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Christmas now unaffordable

293 replies

purplepentagram · 02/12/2025 18:38

Is there even any point in me bothering with the tree, decs and all that goes with it. When I can’t even afford to do any shopping.
all you see in the news is all about how those on benefits are so better off and living a life a luxury…. Well can someone point me in the right direction cause our life sucks.
things were ok till my husbands health took a turn for the worse.which is also starting to effect our marriage - for that might as well be over an all. He is now under investigation due to neurological tremors and a few other things. I’m also disabled with physical and neurological issues. I get some pip and my husband gets carers.( he’s not applied for pip due to believing all the nastiness that’s currently going round) Our universal credit is 1085 a month after deductions. Our rent is 700 of that. So we’re living off less than 500 a month. By the time Iv paid all the bills there is nothing left. So what’s the point in even carrying on anymore. Things were manageable even after our youngest child dropped off our claim. ( he’s still in college full time and at home) my daughter has left and gone to uni. My eldest 2 have their own life’s. Am I wrong in telling them not to bother coming home this year and asking my son if he can find a friends to go to instead. We’re down to 2 meals a week, minimal heating due to the amount that British Gas is asking for each month. Iv cancelled everything I could from insurance policies to subscriptions, internet ( that’s due to go off any day now) life is miserable and I can’t seem to find anyway out. We can’t afford to move, or even get on the council list. All the local help has stopped applications and I can’t even get a food bank referral. There is nothing left in our town and trying to find work is impossible. Just keep getting refused. So no Christmas for us this year and the kids have all been told not to bother since there is nothing. I just feel that the only way would be if we wasn’t here to be a burden. We don’t have any other family or friends. So that’s not an option either. Rather fed up on life and how the news is portraying things when it’s way far from reality.

OP posts:
Thundertoast · 02/12/2025 21:17

How much do you have for food per month, and what are you and your husband eating currently? You need more meals, we can help you figure out where to get those from your budget and resources.

Kirbert2 · 02/12/2025 21:14

Honestly, I'd be making it priority to chase up the biopsy test if your husband has suspected blood cancer. How on earth is it taking so long? My son had blood cancer last year and waiting a year for a biopsy would've killed him.

I'd be making a lot of noise about it. It's completely unacceptable.

19lottie82 · 02/12/2025 21:14

OP, could your son register with employment agencies for casual work? They’re always looking for people for various roles, and no offence meant but they’re really not fussy (as in your son has no English or maths, or I’m presuming experience), plus as it’s casual shifts you can pick up shifts as and when you want them.

ComfortFoodCafe · 02/12/2025 21:13

Your dp needs to try for pip. You need to collect more evidence for your next review so when it comes you can fight for higher rates. Op you need to eat, you will die if you don’t. Look into olio and free to go app

JacknDiane · 02/12/2025 21:13

Amba1998 · 02/12/2025 20:10

I’m sorry to be blunt but if you really were eating 2 meals a week then your husband would get off his high horse and claim what he’s entitled to!

I agree

GinandTonic24 · 02/12/2025 21:13

purplepentagram · 02/12/2025 21:09

According to our council there is no discounts or help for anyone with council tax any more and it’s going up again.

we are not eligible for the discretionary housing bit - uc awards the full rent amount.

my youngest is now 20 so not entitled to anything for him. He can’t claim uc due to being in college full time, he can’t claim student finance for that’s uni only. he wants to work but everywhere he goes he gets turned down due to his own issues and his college times. - he still hasn’t passed his maths or English

iv had our entitlement checked and there is nothing else we can claim. I have checked every option possible. Only to be told sorry can’t help, no or not accepting new applications.

cab - I keep trying but it’s impossible to actually speak to a person and the local office closed down months ago.

there is nothing left in our town. No shops, totally run down, full of dangerous people all times of the day. We don’t even have a bus station, swimming baths, police station because they closed them all down.

Every Council HAS to have a council tax support scheme. It's the law. If you'd like to message me which area you're in, I can find the details of their scheme and how to apply.

There will also be other support services in your area for help applying for benefits, or national charities who can help by phone.

LadyKenya · 02/12/2025 21:13

I am wondering where the OP lives, where there seems to be no support, that she is able to access, and an MP who she has contacted, who has not helped either. There must be some help, somewhere.

Twittwoooodoyou · 02/12/2025 21:12

Have you applied for the universal credit work capability assessment? You can be awarded around £450 (I do not remember the exact amount).

Is your husband receiving the £200 carers element of universal credit?

It could be worth using a comparison site to check if you are on the cheapest gas & electric tariff.

Have a look if you have a food cycle in your area. Near me they provide cooked meals in various locations each week.

Newsenmum · 02/12/2025 21:12

You can chat with citizens advice online

Newsenmum · 02/12/2025 21:11

Have you gone to citizens advice? It sounds
really concering op.

With the Christmas thing - op life is hard. For some people putting the tree up gives them that bit of joy. For others it makes it worse. Do what works for you.

purplepentagram · 02/12/2025 21:09

GinandTonic24 · 02/12/2025 20:47

If your universal credit housing element is less than your rent you can apply for a discretionary housing payment.

Apply for the LCWRA element of Universal Credit.

If your youngest is 18 or 19 you can still get Universal Credit Child Element and Child Benefit for him.

Your husband can apply for PIP without a diagnosis.

If you think your PIP award is wrong, submit a mandatory reconsideration.

You said you don't get any council tax discount, do you get Council Tax Support? If not, apply for that. You can also apply for s13a discretionary relief which means they can reduce your liability to £0.

CAB can help with an emergency food parcel, potentially gas/electric vouchers. If they can't, they'll know of organisations in your area who can. A lot of utility providers have social tariffs.

I really do sympathise and can't imagine how difficult having so many health challenges is, but there is potentially hundreds of pounds of unclaimed benefits you're entitled to. You have to help yourself as well.

According to our council there is no discounts or help for anyone with council tax any more and it’s going up again.

we are not eligible for the discretionary housing bit - uc awards the full rent amount.

my youngest is now 20 so not entitled to anything for him. He can’t claim uc due to being in college full time, he can’t claim student finance for that’s uni only. he wants to work but everywhere he goes he gets turned down due to his own issues and his college times. - he still hasn’t passed his maths or English

iv had our entitlement checked and there is nothing else we can claim. I have checked every option possible. Only to be told sorry can’t help, no or not accepting new applications.

cab - I keep trying but it’s impossible to actually speak to a person and the local office closed down months ago.

there is nothing left in our town. No shops, totally run down, full of dangerous people all times of the day. We don’t even have a bus station, swimming baths, police station because they closed them all down.

OP posts:
19lottie82 · 02/12/2025 21:08

Kirbert2 · 02/12/2025 21:07

Carers allowance is deducted from UC.

An ok, my mistake. Apologies.

19lottie82 · 02/12/2025 21:07

2dogsandabudgie · 02/12/2025 21:04

OP - Are you claiming child benefit for your child who's at college? It stops once they reach 16 but then if they go to 6th form or college you have to let them know and they will continue paying it. Have you done this?

The OP said the youngest is too old for them to claim child benefit for him, and he can’t work and contribute.
they didn’t go into details which is fair enough but at the end of day, it sounds like he has to work and contribute or claim benefits. They can’t afford to subsidise another adult in these circumstances. If he really cannot work, then the college should have support services where they should be able to offer him advice and support.

Kirbert2 · 02/12/2025 21:07

19lottie82 · 02/12/2025 21:01

Hi OP - Something doesn’t sound right with the amount of benefits you’re getting. My boyfriend can’t work as he is being treated for Cancer and has associated health conditions. He gets lower level Adult Disability Payment (Scottish equivalent of PIP I think?) and a few other things. In total including his housing payment he gets around £1300 a month plus his council tax paid, so surely you must be entitled to around that plus £360 a month carers allowance? So £1660 a month ish?

Can you speak to a local benefits advisor to make sure you’re getting everything that you’re entitled to? As someone pointed out, it’s hard to get hard of the citizens advice over the phone but maybe they offer drop in sessions, or there’s another local benefits advisor.

Carers allowance is deducted from UC.

ShieldMaiden8 · 02/12/2025 21:04

If your child is still in full time education you can claim for them until they are 19, UC and child benefit. Talk to someone.

2dogsandabudgie · 02/12/2025 21:04

OP - Are you claiming child benefit for your child who's at college? It stops once they reach 16 but then if they go to 6th form or college you have to let them know and they will continue paying it. Have you done this?

19lottie82 · 02/12/2025 21:01

Hi OP - Something doesn’t sound right with the amount of benefits you’re getting. My boyfriend can’t work as he is being treated for Cancer and has associated health conditions. He gets lower level Adult Disability Payment (Scottish equivalent of PIP I think?) and a few other things. In total including his housing payment he gets around £1300 a month plus his council tax paid, so surely you must be entitled to around that plus £360 a month carers allowance? So £1660 a month ish?

Can you speak to a local benefits advisor to make sure you’re getting everything that you’re entitled to? As someone pointed out, it’s hard to get hard of the citizens advice over the phone but maybe they offer drop in sessions, or there’s another local benefits advisor.

Pumpkinsonastring · 02/12/2025 20:59

(I've never known a charity not give because of religious differences, are you sure?)

It's unclear in OPs posts but I honestly took that as a pride statement. I suspect the issue is they won't ask for help from xyz place because it's a religious organisation with beliefs they don't approve of. The OP themselves could be religious for all we know. Lots of religious people can be quite closed off to the notion of any other religion and could see it as an affront to God (or whatever they call Him) to ask/accept help from another religion's people.

winterbluess · 02/12/2025 20:58

ObtuseMoose · 02/12/2025 19:06

I find it hard to believe you're only eating twice a week.

Don't believe it for a second either

Franklyannoyed · 02/12/2025 20:57

Ok you need to speak to a doctor, if you only consume one meal twice a week you must be chronically underweight and it will lead to death. Make an appt ans speak to your gp. Ask for referrals to a food bank. There is lots of apps where food is given away but you can’t starve to death.

Moonlightfrog · 02/12/2025 20:56

My IC leaves me with £300 for the month, I have 2 adult dc both with disabilities (one severe). It is really hard. Your dh needs to claim PIP, try and brush the stigma aside, you need it to survive.

A lot of my Christmas gifts have been bought on vinted this year, I have found some great things (some new).

Ncforthiscms · 02/12/2025 20:55

Please go to citizens advice or a similar charity.
You both need to be claiming pip, carers allowance fir each other, and LCWRA. It's a lot of paperwork but it will greatly help. Your husband write about his health needs and send the evidence later when he has it.

JoyfulOwl · 02/12/2025 20:54

You should get lcwra. Send in fit notes from your doctor until you get an assessment. It's tough but you really need to do it.

witchespocus · 02/12/2025 20:52

Pumpkinsonastring · 02/12/2025 20:31

Regarding food vouchers most are administered by the Trussel Trust they are impartial and judgement free so a difference of beliefs won’t come into it.

But they do only issue a limited amount. I'm not sure if a lot of posters who recommend food banks realise they're designed for a limited period of help or occasional use. You can't keep getting food bank vouchers on an ongoing basis just because you can't afford to live. They're not designed to subsidise people in an ongoing way like this. I'm thinking the OP has maxed out everyone's generosity on this score in her area and that's why she can't get a voucher from anywhere.

You are correct in that they have a general limit but often after a conversation and discussion around the individuals circumstances they can fulfill further requests for vouchers on a discretionary basis. The OP can easily evidence their financial difficulty via their UC journal and rent statement.

purplepentagram · 02/12/2025 20:52

ItsDarkNow · 02/12/2025 20:38

How are you surviving if you only eat twice a week? Is that literally what you do?

Yes that’s what I do, some times I don’t bother at all. It doesn’t bother me. I have a lot of issues around food. If I am not reminded, asked or prompt then most of the time it wouldn’t even dawn on me. My husband was the one that always dealt with cooking, meal times and things. But he is now struggling. I’m not safe in a kitchen.

OP posts: