To wonder why the UC savings threshold is £6,000?

There it is.. the assumption that anyone on UC has never worked and has no idea about things.

They don’t get it. They’re so used to everything being cheap, free or subsidised they have no idea how expensive it is to be entirely financially responsible for yourself. They act like anyone could end up on benefits. But that isn’t a reason to make them overly generous and not reviewed enough. They never address the figures because they know we’re right but need to keep it going

You are one accident away from needing to claim benefits.

While I commend you on your frugal living and living within your means, is it fair that working people should have to live like this whilst also funding others? The lifestyle you describe should apply to benefit claimants only, not working people.

The goodwill for the welfare state is rapidly vanishing. Reform and Restore both look poised to chop it down like a tree. Work isn’t paying. Working people are pissed all over on threads like these, made out to be petty bourgeois nimbys who should just shut up and pay and feel privileged to do so. I will never cease to be amazed by the breathtaking entitlement and arrogance of claimants on here who have the absolute nerve to look down on the people funding them and make snotty comments.

It shouldn’t be surprising. Whatever is coming next is going to be painful but necessary.

UC do not take junior ISAs into account when looking at savings. There is a debate over regular kid savings accounts which need a parent name on and can be accessed but the belief seems to be these are also not counted. I suggest you go back to UC and ask them to do screamed your kids’ junior ISAs and request back pay for money they have deducted due to these.

Well, I asked 🤷‍♀️

Most people working, who are paying taxes to give dole scroungers UC, live hand-to-mouth, have overdrafts and zero savings.

You can't eat bricks.
It makes no sense to make home owners sell the house they live in before they can claim benefits.
Home owners do not claim the housing element off UC, so generally cost the tax payer less anyway.
I do not rent, and because of that, I do not the claim the £620pm LHA that I would get in UC if I rented.
And the shit thing about that is... the cheapest 1 bed place where I live is over £800pm. UC would not cover it anyway.

No you are not, and I have discussed this loads with you before.. with you under a differnt name. I know who you are, and for the sake of my own heatlth, I will not be engaging with you anymore. I asked you to stop talking to me last time, and I am asking the same again.
go bully someone else.

This is a good faith question @XenoBitch but what do you feel it would take for you to come off benefits? I’m genuinely curious.

I’d like to see parity between those who have assets vs those with savings.

Do you think a family renting with little or zero savings should be paying taxes to cover UC for a family with £1m in assets!? Really!?

For care, that families assets would be accounted for, why not for means tested benefits? A charge put on when sold? If it’s short term the charge be minimal.

How can it be fair homes owned outright, allow cake and eat it too yet renters can’t have savings more than £6k before claw back happens?

If you can only have £0 to claim benefits, then no one will ever be able to claim.

Also, if you do claim UC, you have to wait 5 weeks to get paid.

Loads of people with the cost of living at the moment have zero savings but don't get any benefits! I never realised it was anything above £0!

Bit of a silly sratement. Many peopke are only just above the threshold to get benefits. Not everyone not gettimg benegits is on loads of money a year. Sad but true.....

People can put money into private pensions and its not counted as savings.

People re on UC for all reasons.

You need a plan b they they are like cardboard

The bedpans are made from paper pulp.. you probably wont even notice 😂

£120 a month car insurance are you a teenage boy

Nurses don’t have that power to just make the money appear, the best they can do is drop the bedpan on your foot

People on this site have no idea they live on a different planet. They say they have no money but are paying significant amounts into pensions, cars on finance, have children in 5 different clubs a week, supporting older children through uni, going for regular days out, buying new shoes clothes and handbags regularly, spending £200 at the hairdressers (someone was claiming this was a standard amount last week). There is nothing wrong with this but don't then moan you're poor and that you can't save any money and that people on benefits who can save shouldn't get benefits. The reason I have a small amount of savings is because I do none of the above. I own 2 pairs of shoes total which I've had for years I have 1 handbag which I've had for years (from a market stall £5) my dry cut costs £15 which i have twice a year. I couldn't tell you the last time we had a day out that cost money. We just don't spend much its not needed.

I whispered gently into my cupped hands, and the money magically appeared.

Where did you get the £6500 to buy the car?

I agree with that! Never get the whole keeping up with the Jones'. I'd rather have a good buffet and quietly judge

When I drove, my car was a 2 year old Peugeot. Cost £6500 second hand. Apart from the usual wear and tear, and services etc, the only repair cost was £900 to address some ABS issue. Other than that, it was really reliable.

I used that same car when I was on placement training to be an NHS healthcare professional. I had to pay £10 per day to park. £40pw, and the bursary I got did not even cover that.

I know the cost of second hand cars has shot up now. Even a rusty old banger is about £1500.

DM always leases, as she needs a car for her business.

Have a look through some of the budget threads and see the people who lay out their finances - spending £500 a month on a car, not, servicing, tyres, fuel, insurance and car finance will rarely be under £500

ive totted it up to £500 but as the £350 doesn’t fit, you keep on about it

it could be £120 fuel £120 car insurance £220 lease hire, £40 carpark - it’d still be £500

to sit in a car park for £40 a week doing nothing for 13 hours