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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:
AnneLovesGilbert · 30/03/2026 19:59

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!!

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

XenoBitch · 30/03/2026 19:58

Don't be ashamed. You work full time, and due to wage stagnation and the rising cost of living, a full time wage is not enough to live on. Neither are your fault.

MrsFaustus · 30/03/2026 19:56

Frankly if you couldn’t cope with social work I doubt teaching is for you. The workload after school is awful and behaviour and expectations from parents and SLT are sending huge numbers out of teaching The money isn’t that great until you’ve been teaching quite a while.

5128gap · 30/03/2026 19:55

I think you need to change your outlook tbh. You work hard and are raising your children. It's not your fault that wages have not kept pace with housing costs and an honest weeks work is no longer enough to meet your needs. And you shouldn't be embarrassed or made to feel lesser because of that.
The checks the DWP do are necessary to reduce fraud. Complying with them doesn't imply you're guilty of anything.
By all means seek to earn more. But in the meantime, don't feel bad about yourself. You're a self respecting grafter doing the best you can. Take what help you're entitled to. The day will come when your children are grown, your circumstances improve and you'll pay back in, as will your children.

Cryingatthegym · 30/03/2026 19:49

No answers OP but solidarity as I feel the same. Working full time in a managerial position but still receiving UC top ups due to high rent and childcare costs. My claim is being reviewed at the moment too and it's anxiety inducing because without it we'd be screwed.

Ex contributes as little as possible despite the kids living with me full time and is determined to make sure I get as little as possible in the divorce too.

SevenYellowHammers · 30/03/2026 19:47

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.

You might find better paid work but you’d then need childcare for school holidays. Contact to popular belief, working in schools isn’t cushy with good holidays, the low salary is because of the long holiday. Lots of people in schools are on UC. You are effectively an unpaid childminder as well as doing your job. I definitely don’t think your dc’s father is paying enough but would that knock out the if if he paid more?

peanutbutterjelly563 · 30/03/2026 19:39

I asked school but I was only given a short time to get this letter or risk sanctioning, school didn’t provide it before they broke up 🤦‍♀️

I’m lucky that I do have my own house and a mortgage (got enough for a deposit when I got divorced), but it means no help in terms of housing benefit.

I know what everyone is saying with I’m working and I’m entitled- but even with UC things are so tight, I budget extremely hard, buy most of our things from charity shops, yellow sticker food, I do everything I can possibly do believe me and we still live month to month.

I’ll try not to beat myself up but ideally I would love to have a better paying job and not rely on benefits and live hand to mouth, but maybe that’s just the way things are at the moment for a lot of people?

The children’s dad won’t contribute more, it’s through CMS and that’s all he will pay, he will occasionally get coats and school shoes and pays for our daughter’s football.

OP posts:
Hadenough32 · 30/03/2026 19:29

How would a go know if your child lives with you full time. Ridiculous. Better off asking for ab email from the school or nursery.

LakieLady · 30/03/2026 19:26

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.

I think high rents and the lack of social housing is more to blame. I know several people who would be able to manage if they were in LA accommodation at a reasonable rent, but living in an area where it's hard to find a 2-bed property to rent privately means that they can't afford to live without a UC top up.

In my part of the SE, you'd be hard pressed to find a 2-bed property for less than £1,200 a month, while my MIL lives in a 2-bed council house that's £125 a week. A lot of working people wouldn't be eligible for a UC top-up if they were paying that sort of rent.

I'd love to know what proportion of the "benefits bill" goes to private landlords.

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.

MeganM3 · 30/03/2026 18:40

Annoying administrational hoop to jump through. Unfair you’re £50 down. But you don’t need to turn your life upside down right now. With young kids and keeping a house and full time job going, you’re doing well. You’re entitled to that UC top up and don’t feel badly about it. Anyone’s situation can change at any time.

Keep going as you are for now. And explore a new career route if and when it works for you and your family. You’re already working very hard.

Monstermissy36 · 30/03/2026 18:32

Have a look on your local county council website for vacancies, lots of jobs around education, safeguarding, ehcps, etc… you’ll have loads of transferable skills within children’s services and it’s not all at the front line of children’s social work…

ILoveDaffodills · 30/03/2026 17:09

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.

It's also (for good teachers) quite long hours/work at home. Not ideal as a single parent with young kids & only really works at all if you are in the same area, with the same holiday dates, as you own kids.

How much more do you need to earn to drop the benefits?

have you asked their Dad to contribute mire? Pay for certain things?

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.

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).

OriginalUsername2 · 30/03/2026 13:11

TheBeaTgoeson1 · 30/03/2026 13:05

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

It’s not help. Language matters.

Tact matters.

cestlavielife · 30/03/2026 13:11

You are working. So you are not totally reliant. Develop a side hustle business so when kids leave home you can cover your costs?

TMFF · 30/03/2026 13:07

TheBeaTgoeson1 · 30/03/2026 13:05

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

It’s not help. Language matters.

Oh turn it in, the OP knew exactly what I meant 🙄

TheBeaTgoeson1 · 30/03/2026 13:05

TMFF · 30/03/2026 12:23

Does their dad help with the childcare costs?

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

It’s not help. Language matters.

PicaK · 30/03/2026 13:04

You're entitled to the benefits - that's why they are there. To support you while the kids are small. The time you waste feeling bad is time you take away from your kids - so stop it.
Life changes. They won't always be small and then you'll be earning and paying more tax.

OriginalUsername2 · 30/03/2026 13:03

That’s awful that they made you £50 worse off. A child benefit letter should have been enough imo. Or a child maintenance letter.

I’ve heard in the last few years some people have to take photos of themselves putting the keys in their front doors to prove where they live. I can understand why you want to get out of it. Don’t feel guilty though.

peanutbutterjelly563 · 30/03/2026 12:48

Overthebow · 30/03/2026 12:30

If you already work in school what about training to become a teacher? Teachers start on £33k so you wouldn’t have to take a pay cut, and salaries go up to £45k even on the main pay scale with opportunities to go higher with the upper pay scales. There are on the job training options for it too.

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.

OP posts:
peanutbutterjelly563 · 30/03/2026 12:46

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!!

Tell me about it. He’s self employed so I’m lucky to even get that.

OP posts:
RunSlowTalkFast · 30/03/2026 12:39

I feel similar. Also earn about £30k but my issue is I don't have the confidence to cope with a better paid job. I'd like to think I'm an intelligent woman but I'm also just a bit pathetic. I hate not being able to better myself and my financial position.

aCatCalledFawkes · 30/03/2026 12:32

Don't feel guilty, it took me a long time to get out of the benefits system and even now I'm being made redundant again so may be at risk of needing them again if I can't find a job in a tight market or need to take a paycut. People really underestimate how hard it is when you have small children to come out of the system and just how much money you don't have.
I'm looking a starting up my own side hustle to bring in extra money.