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

Let’s see if this helps.
The poster has an income of £1,500 , plus £500 in benefits.
All her bills/expenses are £1800 , which leaves her with £200 spare, presumably no unexpected or expected extra big expenses come in. She saves as much as she can, aka £6000, benefits stop. She’s still on £1,500, her bills are still 1,800. So she’s in a £300 deficit every month , just for basics. She can use her savings, go back under apply for benefits again , wait for them to kick back in, rinse and repeat. Or completely use ALL her saving and then apply, while still being in a £300 deficit.There’s no saving more, when you’re using savings to tide you along.

What’s so hard to understand?

Please stop harassing you?
This is called a discussion, it's how forums work.
You can reply to me if you please and I won't cry harassment 😆😆😆😆

Well, I certainly don't think people should be shamed for what they did or didn't do at school, during their formative years. That's not always an accurate indicator of how they might perform later in life.

I dont gave any savings. Not even a tenner.

I can barely afford everyday expenses, let alone savings.

Should poverty be shamed when it is sat aside wilful ignorance? Poor cause you pissed around at school for example?

Always easy to resort to cliches. Do you think people who work their fingers to the bone cleaning toilets, to pick just one example, get luckier the harder they work?

The fact that you believe that having savings or not is down to 'attitude' is what's shocking.
The number of working people at the moment who are in a negative budget after paying essential bills has sky rocketed in recent years. I don't know if you've noticed but there's this thing called the cost of living crisis.

The balance isn't there, I only have the extra money due to the UC which racks up. It's higher than my wages the UC, I can't just switch to wages when that is only 40% of my monthly income?

Exactly this.

Of course luck plays a part - I've had plenty of failed projects along side the good ones. But as they say the harder I've worked the luckier I've got.

They're on UC and going on holidays? As in it's not someone else paying for them, they are using benefits to go on holidays?

Op maybe you could give 100 people £100 savings from your buffer? You might sleep easier

Good for you. But however hard you've worked to get what you have, it's a guarantee some people will have worked just as hard and still be on the bones of their arses. It's graceless imo not to acknowledge that for most people luck, alongside hard work, does play a part.

No because I’ve worked since I was 18 years old but I’ve spent money on living life not saving for a rainy day.

I think that’s an awful attitude. Im one of the people on this thread who has said Ive never had savings when I could have afforded to save and during times when I couldn’t afford to, but I have never expected, or received, state support. The only ‘benefit’ I can ever remember receiving in my adult life before I retired was getting free prescriptions for five years when I was having cancer treatment and free dental treatment for a year when I had my daughter. We had debts for most of our life, either because we spent the money we had or because we didn’t have enough money to make ends meet and couldn’t have saved if we’d wanted to, but if the level of debt had ever become unmanageable then we always accepted that we would have to move house and downsize and would not have relied on state handouts.

Again but surely throughout life, schooling, education people don't plan to make NNW their entire life. Maybe something happens that throws them a curve ball, maybe they get ill, or their DP leaves or their kids have health issues.

You don’t believe people are on the breadline with no surplus money? How would you put £100 away if you had no spare income after paying for food and shelter?

I don’t understand this attitude. You’d rather keep accepting benefits than save more so you don’t need them.

You’re saying that as if 1. there are millions of high earning jobs out there and 2. The country/society wouldn’t complete collapse without minimum wage workers.

The system is set up the way it is , because of 2.

We all should have savings but not everyone can afford to OR we have some money saved and spend it and are back to square one…

Some of us are eating leftovers so our kids can eat and haven’t had central heating oil in months hope that helps you understand.

Some people can’t afford to save anything.

Some people could but have different priorities.

I assume OP is referring to the second type of people, who maybe have flashier cars and designer clothes, vs the person who spends modestly in order to save.

In the OPs defence I agree that we should talk about that. I spend too much often, and should save more, invest more etc. Societal pressure and social media and so on do sell you a dream of a life to attain for, which maybe promotes YOLO spending in a way that prevents many people from saving. The issues will and are arising from that as the population ages and birth rates fall. But at the same time spending drives the economy….

It’s a complex and interesting discussion. Easy to just shut it down and name call though!

You’ve never been a pauper though, have you?

But isn't it possible to work your way to a better tomorrow, barring health issues?