To be shocked when adults have absolutely no savings at all?

Fair point. I think my original posts were too harsh

Teachers, nurses and police get a decent starting pay. Cops start at £31k, teachers and nurses £32k. Perfectly decent starting salaries.

Again if they are receiving UC because they can't make ends meet, how are they affording to go on holiday.

People without children or partners may also need a temporary stop gap and assistance. I appreciate I have no dependents to support but I also have no husband to pay my bills if I lose my job/have period of ill health.

I have had periods of ill health where I haven’t been able to work and it’s disgraceful that there’s so little support.

Less of a reason to. Because you don't have people depending on you. If you don't have dependents, don't have caring responsibilities, aren't disabled, you should be responsible to making ends meet. Welfare should be a temporary stop gap.

Less of a reason to. Because you don't have people depending on you. If you don't have dependents, don't have caring responsibilities, aren't disabled, you should be responsible to making ends meet. Welfare should be a temporary stop gap.

There’s nothing magical about savings. We’ve never really had any until the last couple of years because, despite two solid jobs (100k household income) we were paying for three sets of school fees and three sets of university rents for kids. We were never that worried as we have good DB pensions for the future and great credit ratings and secure jobs. So if we’d had some kind of new boiler type emergency we could have financed it easily. Given COL at the moment it’s pretty difficult for lots of people to save. I have a friend who’s never had a credit card or loans and hence has terrible credit rating. Not really sure what your point is.

I can see a single person needing UC simply because their wage is so low.

Less of a reason to. Because you don't have people depending on you. If you don't have dependents, don't have caring responsibilities, aren't disabled, you should be responsible to making ends meet. Welfare should be a temporary stop gap.

This is the exceptionalism of the American Dream writ large. If I work hard enough I’ll be recognised for my labours. It’s bollocks. It’s a trap. Business owners perpetuate it because it benefits them if the average worker assumes they’ll succeed based on grit and determination. The capitalist system is rigged against them.

Yes I do. Cleaners who work hard catch the focus of their boss. They can then become cleaning supervisors or co-ordinators. Some realise that they are better of reducing their employed hours and taking on private cleaning work. Some people run very successful cleaning business, cleaning other peoples homes. If I had to start from scratch now - I would consider it. Easy to get clients using social media - clients generally provide the equipment and products so hardly any running costs. Get the first few to pay in advance to pay for the insurance then boom - good business.

Cleaning can be well paid and is certainly nothing to be ashamed of.

It is so easy to start a business in the UK - it used to be taught in schools through Young Enterprise, I'm not sure if that is still a thing.

I don't think there are many jobs at all that don't give you some skills that can be built on to another role.

A lot of people have poor money management.

And I say this as somebody who was like this too. I had no savings for all of my 20s and much of my 30s. I told myself I “could not afford to save” which was because I tried to save after I had done all my spending for the month.

Once I finally built a budget I saw my essentials were not my entire salary. Which means I could save but I was not prioritising well. Those who truly cannot afford to save (and by that I mean their low salary is entirely eaten up basic essential costs such as food and shelter) are very low in number).

Same with people who don’t contribute to workplace pensions because they “cannot afford it”.

You know who also claims UC? Teachers, TA’s , nurses, police personnel etc., and most other services that keep the country running. Are they not allowed holidays?

Just to clarify, what’s your point about people without children? That we shouldn’t be entitled to any benefits?

How have I personally attacked you?

I’m going to be honest, I find it quite hard to understand when adults have no savings at all. Not even £100 put away. I’m not talking about people going through a temporary rough patch but just having nothing set aside whatsoever. Personally, I try to keep around £10k as a buffer (I know everyone’s situation is different), but even putting that aside, I would still feel uncomfortable having nothing at all.

AIBU to feel like having at least something put away is important or am I being too harsh?

If I've made personal attacks against you then report them and let MNHQ decide. I've only reported the posts which break the rules. I might write things you disagree with but that is not personal we all have different opinions.

It wasn't verbatim. Your are jusr reporting all my posts because you're not getting your own way

You posted that before verbatim. You know repeating posting the same personal attacks is harassment.

And this is the problem isn't it? Not just in care (where people don't want to pay from their own pockets but also don't want to pay more tax either) but in most jobs that serve society in one way or another, no one wants to pay more for them, in order for those delivering the service to be paid a wage where they could cover their living expenses and then have a savings buffer. Oh quite happy to use the services, and complain bitterly the services aren't good enough, yet don't believe the people delivering them are worth a decent wage.
"Work hard! Sacrifice! Get a better job!" They cry whilst sipping the coffee made by a minimum wage barista, after dropping children at a nursery with minimum wage staff, doing the weekly shop staffed by minimum wage workers and then visiting aunty in the care home - staffed by minimum wage workers.
I'd be more inclined to believe it was genuine to be 'confused' and to judge people who don't have savings if the majority of people weren't benefitting from the work of the very people they're judging and sneering at.
Nothing more than hypocrisy really. Don't like that people need benefits to survive while working? Or don't have savings that match those who consider themselves the great and the good? Get your hand in your pocket and start paying more for the services you use then!