Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

I want to get off benefits

109 replies

peanutbutterjelly563 · 30/03/2026 12:18

But how?

I work full time. I went to university. I ended up a single parent.

I get a universal credit top up. 2 children still fairly young so still paying childcare.

I am nearly 40.

Since getting universal credit, I feel like a criminal sometimes. I’ve just had to pay £50 for a letter from the GP (which I can’t afford) to prove one of my children live with me because they were doing a compliance check. All of my children have always lived with me, and do see their Dad but I’ve always been the main carer and I have a lives with order from the court. They wouldn’t accept that as it’s over 3 years old. They wouldn’t accept child benefit letter either.

I don’t want to be getting any benefits anymore, but I can’t afford to live without them. I earn about 30k a year. I’ve tried applying for other jobs. Most with my skill set pay the same or less than what I earn now.

Any ideas. AIBU to think this is possible?

OP posts:
peanutbutterjelly563 · 01/04/2026 14:41

OneTealMentor · 01/04/2026 00:00

You earn more than me. I have a child and get no child maintenance. Don't understand how you are entitled to UC when I wasnt

It’s not really the point of the thread but, I’d guess it’s because I have 2 more children than you? And 2 are in childcare? Most of the UC I get is a reimbursement towards childcare costs.

OP posts:
WheretheFishesareFrightening · 01/04/2026 14:09

You shouldn’t feel bad - if you work in a school all of your income is coming from from the government anyway. They’ve obviously set up their budgets in a nonsensical way such that they pay you partly through salary and partly through UC. If there was any logic they would pay you a sufficient salary to live off, and you wouldn’t need to claim UC - which would be a better scenario for everyone (you’d feel better, there would be less waste of money by people having to audit your circumstances, less admin of a claim).

You shouldn’t feel bad that the government is underpaying its employees so much that they can’t afford to live off the salary, and instead need to get a top up off another government department. It really is absurd.

Quine0nline · 01/04/2026 13:50

As evidence to show the children live with you, from the GPS a summary care printout - free would show dcs addresses and "mum brought to clinic for earache on date". Free but up to 21 working days to produce.

RhaenysRocks · 01/04/2026 12:35

For those asking about the link between benefits and maintenance..it was stopped decades ago because maintenance is so unreliable and apparently unenforceable that single parents were left in dire straights when tje NRPs didn't pay it. There are probably a few people in receipt of decent maintenance who maybe dont need benefits as a result but they'll be vanishing few compared to the ones who'd be royally stuffed if the link was reinstated.
In this scenario what's worse is that the ex is paying the 'right' amount according to his reported income. He's just doing what a lot of SE NRPs do and fiddling it.

Girliefriendlikespuppies · 01/04/2026 12:18

Yeah I felt the same, the benefits system is designed to make you feel guilty imo.

My dd is older now so I don’t claim anymore but I did for her sake while she was younger.

CharlotteRumpling · 01/04/2026 11:42

You are exactly the kind of person benefits are for. Your ex is at fault.

Lavender14 · 01/04/2026 11:40

Ponderingwindow · 01/04/2026 00:43

Don’t you dare feel guilty about needing benefits.

does that even cover half of your childcare expenses each month?

the problem is a system that lets men pay a pittance towards their children and leaves women to figure out how to survive.

This. It should be based on how much the child costs really and split between parents in an equitable way. My ex earns more than me by but only pays £400 a month for ds. That doesn't even cover half of the childcare bill so I can go to work never mind providing food heating clothes hobbies electric etc. I know £400 isn't to be sniffed at but it frustrates me that tax payers have to then make up the shortfall to keep us out of poverty because I'm left responsible whereas in other circumstances he'd be paying more if we were married and sharing bills equitably. Obviously I appreciate the stability of uc is the main thing and I know that will come in even if my child maintenance doesn't. There should be sanctions for parents who don't pay.

nocoolnamesleft · 01/04/2026 00:56

Your scumbag deadbeat ex is the criminal. Not you.

Ponderingwindow · 01/04/2026 00:43

peanutbutterjelly563 · 30/03/2026 12:25

He pays £200 a month CMS.

Don’t you dare feel guilty about needing benefits.

does that even cover half of your childcare expenses each month?

the problem is a system that lets men pay a pittance towards their children and leaves women to figure out how to survive.

Lavender14 · 01/04/2026 00:38

OneTealMentor · 01/04/2026 00:00

You earn more than me. I have a child and get no child maintenance. Don't understand how you are entitled to UC when I wasnt

It might be to do with the age of your child? Have you used the entitled to calculator or contacted a citizens advice service to check you're claiming everything you're entitled to? Might be worth checking!

OneTealMentor · 01/04/2026 00:00

You earn more than me. I have a child and get no child maintenance. Don't understand how you are entitled to UC when I wasnt

pastaandpesto · 31/03/2026 23:47

PPs saying the OP could/should get a better paid job are missing the point.

The point is that the OP is working full time yet is dependent on benefits in order to survive. If she wasn't doing that job, then someone would be, and that person would most likely be in the same position.

The economy in this country is completely broken, and I agree with the PP who raised the issue about where housing benefit ends up i.e. in the pockets of landlords.

Raver84 · 31/03/2026 20:09

You are almost me. I'm single parent to 4. I did a safeguarding role in a school after taking a break from social work. It was shitty money and I couldn't make the numbers work at all with UC top up and child maintenance. I have a mortgage as well.
So I went back to social work was selective about what team I went into. A big part of how you can cope with social work is management. If I were you I'd try a new team. It's working well for me and lifted my salary by fifty per cent
School work was also quite boring for me. I'm glad I left and went back to using my training

REDB99 · 31/03/2026 18:31

Jellycatspyjamas · 30/03/2026 13:46

If you’re in a schools safeguarding role there may be ways to progress. Many MATs have safeguarding staff working at a high level, on good salaries. Your social work qualification will open doors for you too in third sector organisations. Not all social work is high tariff statutory work.

I agree with this, many safeguarding roles pay a lot more. I’ve seen one today advertised in the North East for over 50K. MATs and other organisations advertise these roles and are a route to earning more in the same field.

Nurseybear1 · 31/03/2026 18:28

If you have a social work degree, you could look into CAMHS. They are often looking for qualified social workers and it pays a little bit more. Plus there is opportunity for progression eventually

Nurseybear1 · 31/03/2026 18:27

If you have a social work degree, you could look into CAMHS. They are often looking for qualified social workers and it pays a little bit more. Plus there is opportunity for progression eventually

Moii · 31/03/2026 18:01

You're working full time so don't feel guilty, your not playing the system on 16 hours.

peanutbutterjelly563 · 31/03/2026 17:52

Sorry my OP wasn’t clear- I have 3 children but only 2 I pay childcare costs for.

My ex has had a girlfriend since we split up, I don’t have much to do with her but she seems nice and my kids like her. She doesn’t live with him as she has two kids herself.

And yes tale as old as time, my ex does have a nice lifestyle despite paying £200pm. His house he paid over 800k (we are up north) for, he has 3 nice cars, I don’t know him to go on many holidays he’s quite into van life stuff and goes travelling about Europe in his van here and there.

I just know he won’t pay any more than CMS says and we are civil at the moment so I don’t want to rock the boat after an awful divorce.

LADO does interest me but I don’t feel intelligent enough to get a job like that.

I do have lack of confidence for sure. I was brought up being humiliated and degraded by my parents, my ex husband was also nasty towards me at times.

OP posts:
Ilady · 31/03/2026 16:22

I think you need to chat to your children father and tell him he needs to give you more than £200 a month. £200 a month for 2 kids is horrible. I know he is self employed and of course he is earning nothing. Meanwhile he probably has a nice car, house and is going on holidays.
See if you can get proof of this before talking to him. See what he puts up on social media or if he has a girlfriend see what she put up on social media also. Screen shots are your friend here. Then report him to the tax man saying how can he afford this when he just pays £200 CMS.

Tell him that £200 pm is to little for his 2 kids and it would be a pity if the tax man was made aware of the new car and holidays ect. A good tax audit and big tax bill with interest due won't suit him.

If he has a girlfriend turn up when he is with her and tell him in front of her that £200 a month is not enough to pay for his 2 kid's. I ring his parents and tell them how little he is giving you as well.
Why not go to his business premises and have a good fight in front of the staff about his lack of cash for his kids.

Tell the kids can't afford things and get them to keep ringing him looking for money. Better still ring his business premises looking for him and money. Tell who ever answers the phone there who you are why you ringing.
It about time this deadbeat dad was embarrassed.

You out there working and claiming benefits. You doing the best you can but if he paid more which he should be doing it would make things a bit easier. Also I would try to speak to a careers coach and see if you could avail of any training or what other jobs you could go for in order to earn more.

10namechangeslater · 31/03/2026 14:09

It’s not your job that’s the issue. You are doing fine there. It’s your ex not contributing more to the costs of raising the children. It’s disgusting that fathers still get away with paying the bare minimum. The system is broken and needs to change. You shouldn’t need to claim UC. Their dad should be paying more.

ThisYearIsMyYear · 31/03/2026 13:55

How about working towards a LADO job? I know someone who moved from school safeguarding to this. Salaries are more like £45-50K+ afaik.

Katemax82 · 31/03/2026 13:29

Ilikealltings · 30/03/2026 12:31

It makes me so mad. Why is he only providing £200 measly quid!! The government left having to step in and provide for his children!!

The government don't take CMS into account so he could pay much more and it wouldn't affect UC

youalright · 31/03/2026 13:27

The safety net is there for everyone we all pay for this security including you. Your circumstances changed it happens relationships break down, people lose their job or become disabled that's life and it can happen to anyone of us at anytime. Don't feel guilty for this it won't be forever.

ButtonMoonMrsSpoon · 31/03/2026 13:19

Me too, I’m working a min wage job full time, single parent to one dc, get UC top up and I’m not clever enough to retrain. Ex has lost job so no maintenance for over a year. HA rent luckily but in SE so still skint. Place is a dump, I still have no flooring and holes in every door from previous tenants but it’s “cosmetic” so I have to replace if I want a door without a hole in.
I have had enough, I’ve just started a 5 year plan and a savings account. In 5 years I plan to be living in NE and hopefully at least own a home. Min wage here is the same as min wage there and I’ll have more disposable income even if earning the same.
Of course it will be a wrench leaving family but they understand I need to do this. I want quality of life.