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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:
ladyamy · 31/03/2026 12:35

Ilikealltings · 30/03/2026 20:05

Yes that's true. Why is that? Why don't the government take that in to consideration?

CMS isn't counted as income.

DrCoconut · 31/03/2026 00:51

Enrichetta · 31/03/2026 00:26

You trained as a social worker but couldn’t cope with the work. You work in a school and think you might like teaching but fear that you couldn’t cope. There is a pattern here - low self confidence. What are you afraid of? What needs to happen for you to recognise your potential? There are lots of books about boosting self confidence, or ‘faking it till you make it’. You are bringing up three children on your own, which is no mean feat - so why do you think you are less capable than others?

The universal credit system was designed to make people feel like garbage. And all the rhetoric about scroungers, shirkers, hard working tax payers being ripped off etc. It erodes your self esteem over time. The old system was far more conducive to building a life and a future for working people who just needed a bit of help while their kids were small, it should never have been combined with unemployment benefits. I've got to say this thread has surprised me, usually the OP would have got a lecture about how she deserves to live on gruel and how anyone can do 60 hours a week down a mine and still have time for community work if they just put their mind to it by now.

Enrichetta · 31/03/2026 00:26

You trained as a social worker but couldn’t cope with the work. You work in a school and think you might like teaching but fear that you couldn’t cope. There is a pattern here - low self confidence. What are you afraid of? What needs to happen for you to recognise your potential? There are lots of books about boosting self confidence, or ‘faking it till you make it’. You are bringing up three children on your own, which is no mean feat - so why do you think you are less capable than others?

Lavender14 · 31/03/2026 00:16

Ah op, I could have written this word for word but only with one child. Part of me was devastated when I became a lone parent because I really wanted more kids but then there's part of me that knows it would be even harder to make ends meet with more. So I think you're doing amazing in a really tough situation.

I do feel a bit embarrassed sometimes about being a lone mum on benefits even though I also have multiple degrees, a 'good' career and work full time. The issue really is the sector we work in doesn't pay people a wage that reflects the level of specialism and training that goes into it, nor the emotional cost of the work. There's also the constant issue in the community sector of unstable funding where you never really get to feel secure. It's no reflection on you or I, in my previous role i was one step below ceo level and only earning about 5k more than you. In any other sector I'd be on so much more, especially considering the level of responsibility.

I ended up leaving a job I loved to move to another community based role which pays more but isn't fully utilising the specialist training i have and while I enjoy it, it's not my passion either. But it puts food on our table.

I met with a careers advisor after becoming a lone parent for advice. One thing that might be worth looking at for you is how your work could translate to universities. They often pay better, have decent hours and can be flexible with more stability. That was my plan before I had to move too far away from our local universities for it to be feasible. You probably have a really good cv for student support roles.

Either way, I agree sometimes the uc system feels hostile and while I totally agree the public purse needs to be protected, there's ways to go about it without making things harder for people than they need to be. Being out £50 for example when you're already on a tight budget is ridiculous and that needs to be looked at.

MyNeedyLilacBird · 30/03/2026 23:35

It's not your fault in anyway op. Your doing a very valuable job and should be paid more but due to wage stagnation in this country most of us are screwed. Fiscal drag is the pitts and the continued freezing of tax thresholds is absolutely horrid!!

Don't feel ashamed!!

Drippingfeed · 30/03/2026 23:19

Ilikealltings · 30/03/2026 12:32

How much benefits are you in reciept of?

MYOB. You know you just want to moan about your taxes and we all know it too.

peanutbutterjelly563 · 30/03/2026 22:40

TheHouse · 30/03/2026 22:35

Oh my! I’ve just gone on to UC top up (I’m a secondary school TA with 3 children) now I’ll have these audits in the background. I just thought because I was working it would tick away nicely in the background but obviously not. How annoying!

I completely understand that they are doing a job and they have to check for fraud etc. but it does make you feel horrible, ashamed. I’ve had to hand over my bank statements in the past too for checks. I think they can get them now without asking. I did it but I did say - you get my bank statements every month anyway when I put in my childcare costs claim?

OP posts:
peanutbutterjelly563 · 30/03/2026 22:36

I do enjoy my job for the most part and I do think I’m quite good at it. I’ve done lots of additional training, anything I can get my hands on over the years. Any jobs I apply for that are more “senior” though, I never get. Around my way they don’t pay a whole lot more, 40k max. Not sure what else to look for. I feel like I am getting too old to retrain. It also seems beyond my reach with the kids. I’ve no ideas of what to do either which is why I came on here Grin

I guess if there was a magic answer all us single mums would be doing it!

OP posts:
TheHouse · 30/03/2026 22:35

Oh my! I’ve just gone on to UC top up (I’m a secondary school TA with 3 children) now I’ll have these audits in the background. I just thought because I was working it would tick away nicely in the background but obviously not. How annoying!

peanutbutterjelly563 · 30/03/2026 22:34

10namechangeslater · 30/03/2026 22:24

Why is he only paying £200 a month??? Have you gone to CMS? Doesn’t seem anywhere near enough.

It’s through CMS. He’s self employed, runs his own business so he keeps his “salary” and “dividends” very low.

OP posts:
peanutbutterjelly563 · 30/03/2026 22:32

MountainofWashing · 30/03/2026 20:06

I don't have any sensible practical help but I just wanted to say OP you sound great. You are parenting two children as a single parent, working full time doing a challenging job involving keeping children safe. It's terrible that wages aren't high enough for you to keep your family and that you are treated in this way.

3 children 😬

OP posts:
ForFairOchreOtter · 30/03/2026 22:26

My friend had this and they couldn't accept she did not have a passport or driving licence Passport and driving lessons were a luxury she could not stretch to

10namechangeslater · 30/03/2026 22:24

Why is he only paying £200 a month??? Have you gone to CMS? Doesn’t seem anywhere near enough.

dizzydizzydizzy · 30/03/2026 22:10

sunshine244 · 30/03/2026 13:12

This is the side of benefits that people don't appreciate. I'm also stuck on UC top ups (in my case due to having disabled children so working part time) and it's horrible.

I've just recently had my second audit. They can do this at any time randomly and go through 3 months of all accounts in fine detail. Then you get an interview to ask questions about transactions. I appreciate it's needed to stop fraudulent claims but its embarrassing feeling you need to explain spending. I also had to send photo of my face, my passport and me holding my passport.

I've had two audits in two years which were both standard ones (I e. Not due to suspected fraud).

I seem to have to give them 4 months of bank statements and other documents every month of 2. No idea why. I’m pretty sure nobody has reoported me and I have not done anything wrong.

The Job Centre staff are horrid.

In January, they put in one of their regular requests. The upload links were set up so I could not uplaod
all the files they asked for. I messaged them multiple times asking for new links so I could give them
what they wanted. More than a month later, they messaged me complaining I had not given them everything. They had (oh so generously) decided to extend my deadline and I had 3 days to provide them with the files, otherwise I’d be in trouble. I pointed out I had been asking for help for over a month….. no apology.

Evaka · 30/03/2026 22:05

TheBeaTgoeson1 · 30/03/2026 13:05

The words you are looking for are ‘pay his share’

It’s not help. Language matters.

Lol

CurlyhairedAssassin · 30/03/2026 22:01

Comedycook · 30/03/2026 18:44

You're working full time... therefore imo you're not the problem. The problem is the shitty wages in this country which means working full time doesn't bring in enough money to support a family.

This is the only correct answer.

SevenYellowHammers · 30/03/2026 21:56

peanutbutterjelly563 · 30/03/2026 12:48

I’ve thought about this but I can’t explain why, I just don’t feel like I would cope with it very well. Also don’t feel intelligent enough to teach any subject. Maybe Primary I could consider. I’m not putting up barriers but working in a school makes me feel I wouldn’t be a good teacher.

Done 25 years of it and recently retired. Wouldn’t wish teaching full time on my worst enemy.

Choconuts · 30/03/2026 21:54

Comedycook · 30/03/2026 18:44

You're working full time... therefore imo you're not the problem. The problem is the shitty wages in this country which means working full time doesn't bring in enough money to support a family.

This 100%. I’ll add that you’re doing an important job with lots of responsibility which your salary clearly doesn’t reflect.

ffsnewusername · 30/03/2026 21:53

I completely understand what you’re saying.im also on UC and they make me feel like a criminal sometimes

Ilovelurchers · 30/03/2026 21:17

Firstly, please don't feel guilty? You are doing all you can from the sounds of it.

If you enjoy your career and are good at it, I would focus on that, grab hold of any additional training you can get (even if it's after hours on line stuff you voluntarily do, if that's commensurate with hour childcare responsibilities).

Our school has just appointed a non-teacher to be our overall DSL, I think that's happening more and more. She's excellent and very experienced and will be great at the role. You could keep your eye out for promoted posts like that. (I am assuming you are not a DSL at the moment from your wage - or if you are, perhaps at a small school?).

And you should be proud of the work you do, it's such an incredibly important job, and not one many people can do!

Cerezo · 30/03/2026 20:10

peanutbutterjelly563 · 30/03/2026 12:25

I studied social work but I couldn’t cope with the work, I now do safeguarding in schools. I don’t know what other careers I could do with my skills which pay more.

Some safeguarding experts in nhs are band 7, so high £40ks. Excel in the SG role and leave schools for other employers maybe?

Matchalattecoco · 30/03/2026 20:10

peanutbutterjelly563 · 30/03/2026 12:25

He pays £200 a month CMS.

That’s unacceptable!! My ex pays £136 a week for our one child.

MountainofWashing · 30/03/2026 20:06

I don't have any sensible practical help but I just wanted to say OP you sound great. You are parenting two children as a single parent, working full time doing a challenging job involving keeping children safe. It's terrible that wages aren't high enough for you to keep your family and that you are treated in this way.

Ilikealltings · 30/03/2026 20:05

AnneLovesGilbert · 30/03/2026 19:59

He could be paying £5k a month and it wouldn’t impact on the benefits OP is entitled to.

Yes that's true. Why is that? Why don't the government take that in to consideration?

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