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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think saving on Universal Credit is extremely difficult?

663 replies

FirmGreyMember · 28/04/2026 20:42

It feels like Universal Credit doesn’t really leave much room for saving once basic living costs are covered. I know in theory people say to put even small amounts aside but in practice it seems very difficult when most of the money goes on essentials.

AIBU to think there’s very little opportunity to build savings on UC?

OP posts:
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5
ilovesooty · 29/04/2026 13:44

ForWittyTealOP · 29/04/2026 13:42

I think the pp is referring to the TBI's report which suggested that people with "mild depression", ADHD and muscular skeletal conditions should lose eligibility to cash benefits. Basically pretty much what the government tried already and was forced to abandon. Let nobody say Mr Blair is yesterday's man - he's much further away than that!

The cuts to LCWRA are apalling and discriminatory. They'll affect people like my child, born with a genetic disability and not likely to be in a position to sustain themself through full time work. But hey, if you can't work, you must starve, right?

"Are there no workhouses?"

ForWittyTealOP · 29/04/2026 13:43

PenelopePinkerton · 29/04/2026 13:40

I have no idea how my tax has been spent. I am not talking about my tax but the personal money I spend on top of that. The largest component of welfare is the state pension at just over 11% of government s-ending so I guess a chunk of my money goes on that. You were not clear as you have now stated how much of my tax and national insurance went to people who don’t work but the original question was how much goes from my wages which is a different thing entirely.

If you have no idea, best not to claim that you sub benefit claimants really.

ForWittyTealOP · 29/04/2026 13:42

SpryTaupeTurtle · 29/04/2026 13:38

Labour aren't just talking about it. They've already cut the amount new claimants on lwcra get by half

I think the pp is referring to the TBI's report which suggested that people with "mild depression", ADHD and muscular skeletal conditions should lose eligibility to cash benefits. Basically pretty much what the government tried already and was forced to abandon. Let nobody say Mr Blair is yesterday's man - he's much further away than that!

The cuts to LCWRA are apalling and discriminatory. They'll affect people like my child, born with a genetic disability and not likely to be in a position to sustain themself through full time work. But hey, if you can't work, you must starve, right?

SpryTaupeTurtle · 29/04/2026 13:41

Hope none of you have to lose a relative to suicide before you wake up to the fact that some able bodied people are actually really unwell.

SpryTaupeTurtle · 29/04/2026 13:40

Oh yes and "mental health" has to be put in brackets so that everyone knows that people really aren't unwell.

PenelopePinkerton · 29/04/2026 13:40

ForWittyTealOP · 29/04/2026 13:32

I think I've been perfectly clear.

From the income tax and national insurance you say you paid last year, how much money went directly to people who do not work?
Bonus questions:
How can you be sure that your individual contribution went to that particular group rather than, say, all of it going to pay for cabinet members to attend an overseas conference?
Do you differentiate between pensioners, carers, disabled people and those you may well see as just plain indolent?

I have no idea how my tax has been spent. I am not talking about my tax but the personal money I spend on top of that. The largest component of welfare is the state pension at just over 11% of government s-ending so I guess a chunk of my money goes on that. You were not clear as you have now stated how much of my tax and national insurance went to people who don’t work but the original question was how much goes from my wages which is a different thing entirely.

ilovesooty · 29/04/2026 13:39

ForWittyTealOP · 29/04/2026 13:33

Life is much better when you ignore the spiteful!

Agreed, and no one who has experienced severe mental illness needs to justify themselves to the ignorant and the spiteful on here.

SpryTaupeTurtle · 29/04/2026 13:38

Labour aren't just talking about it. They've already cut the amount new claimants on lwcra get by half

ilovesooty · 29/04/2026 13:37

Boomer55 · 29/04/2026 13:32

To be honest, even Labour are talking about some reform with disability payments, with some ‘mental health’ conditions.

It will happen.

Well considering that well over half of DWP expenditure is on pensions and related benefits, I'm sure your desire to see cuts extends to that too.

SpryTaupeTurtle · 29/04/2026 13:35

Tell me how I'm getting free money when I paid taxes for almost thirty years - on you go. I hope you never go through some of the stuff I've been through over the past 9 years

ForWittyTealOP · 29/04/2026 13:35

Boomer55 · 29/04/2026 13:32

To be honest, even Labour are talking about some reform with disability payments, with some ‘mental health’ conditions.

It will happen.

Actually that's the Tony Blair thinktank which (a) has no influence and (b) has based its recommendations on a fundamental misunderstanding of how disability benefit process works. No need to wet yourself with excitement at the scroungers being punished just yet!

SpryTaupeTurtle · 29/04/2026 13:33

Fluffordirt · 29/04/2026 13:21

Does getting free money to stay at home help with a mental health problem though?

Should people just end their lives then because they aren't fit to work and some people are unhappy about them potentially getting disability benefits - because that's what happens to some people who are forced back into work when they can't cope

ForWittyTealOP · 29/04/2026 13:33

ilovesooty · 29/04/2026 13:25

You really have no knowledge of severe mental health conditions, do you?

Life is much better when you ignore the spiteful!

ForWittyTealOP · 29/04/2026 13:32

PenelopePinkerton · 29/04/2026 13:23

Well, it’s not very clear what you are asking as I think I have answered it. But be be more specific…..I pay four people 2k a month each so 8k each month paid from my wages direct to them. They are people who are not working but will be making a significant contribution to society in the future.

I think I've been perfectly clear.

From the income tax and national insurance you say you paid last year, how much money went directly to people who do not work?
Bonus questions:
How can you be sure that your individual contribution went to that particular group rather than, say, all of it going to pay for cabinet members to attend an overseas conference?
Do you differentiate between pensioners, carers, disabled people and those you may well see as just plain indolent?

Boomer55 · 29/04/2026 13:32

Fluffordirt · 29/04/2026 11:06

Isn’t it obvious? Benefits are going to be slashed soon as they are totally unsustainable. We could either cut 20% of all benefits OR cut certain conditions from getting them. If it’s the former, you will suffer due to less ‘deserving’ illnesses being included in the ‘too ill to work’ category.

Severe mental health issues need prompt treatment so the person gets better and back into the economy and living a fulfilling life, not signing the sick person off for life!

To be honest, even Labour are talking about some reform with disability payments, with some ‘mental health’ conditions.

It will happen.

bikiniwaxlyrical · 29/04/2026 13:31

SpryTaupeTurtle · 29/04/2026 13:12

When I was on UC and working. I took every spare hour I could get but it wasn't enough to get me off Uc. I remember being in wetherspoon years ago and a manager was conducting a job interview and told the applicant they would get a guaranteed 8 hours a week. Zero hours contract. It's tough out there for a lot of people

Thanks for replying. I don’t have any knowledge of zero hour contracts so that’s interesting to find out.

SpryTaupeTurtle · 29/04/2026 13:31

Boomer55 · 29/04/2026 13:28

This.

No not this. It's not free money. I worked from the age of 23 to 51. There are people who get Pip and lwrca who work. The money helps them stay in work. I completely refuse to allow people to shout about "free money" when I paid taxes for decades and there are people with mental health issues who are on disability benefits who work

SpryTaupeTurtle · 29/04/2026 13:29

Fluffordirt · 29/04/2026 13:21

Does getting free money to stay at home help with a mental health problem though?

I paid tax for thirty years. You are aware that many people on Pip or lcwra work don't you

Boomer55 · 29/04/2026 13:28

Northermcharn · 29/04/2026 10:31

Income should be taxed for all. You say 'profoundly disabled' - I think 'profoundly disabled' people deserve all the help they can get. Unfortunately such people are being negatively impacted by people claiming benefits for being 'disabled' where 'disabled' might mean eg. anxiety or say they cant work as they cant leave the house. Sorry - that is not the same. People are afraid to say it but it's true.

This.

ilovesooty · 29/04/2026 13:25

Fluffordirt · 29/04/2026 13:21

Does getting free money to stay at home help with a mental health problem though?

You really have no knowledge of severe mental health conditions, do you?

PenelopePinkerton · 29/04/2026 13:23

ForWittyTealOP · 29/04/2026 13:19

No, you really must make an effort to understand what I'm asking you. Try again.

Well, it’s not very clear what you are asking as I think I have answered it. But be be more specific…..I pay four people 2k a month each so 8k each month paid from my wages direct to them. They are people who are not working but will be making a significant contribution to society in the future.

Fluffordirt · 29/04/2026 13:21

ForWittyTealOP · 29/04/2026 12:43

I'm so sorry about your uncle and your other experiences. I've experienced similar earlier in my career.
I hope that people who argue that mental health isn't quite real or as debilitating as physical illness speak from a place of literal ignorance, that they haven't seen the ways in which severe and enduring mental illness destroys the lives of people and their loved ones. It would be unbearably cold blooded otherwise.

Does getting free money to stay at home help with a mental health problem though?

ForWittyTealOP · 29/04/2026 13:19

PenelopePinkerton · 29/04/2026 13:11

Ah ok. Then around 100k personally donated to others.

No, you really must make an effort to understand what I'm asking you. Try again.

ForWittyTealOP · 29/04/2026 13:17

youalright · 29/04/2026 12:50

It was thankyou 23.6 to 25% of total government expenditure goes on social protection which is pension and benefits what I was talking about when I said 6% was from income tax what an individual pays out of their tax but a pp has said thats for disability benefit so I might have got that wrong I remember reading it a while back. It doesn't take much to confuse me. I just pay my tax and ni and don't put a lot of thought into where is goes as i have always been in the over 50% of people who are a net recipient so I know I've taken out more then I've put in my own birth and the medical treatment i needed in the first year probably cost more then I've ever paid in

Edited

I think some people have a tendency to exaggerate their contribution! (Also their salary - paying 180k income tax /NI would give someone a salary of almost 400k in which case what are they doing hanging around MN all day? 🤣)

I enjoy your posts btw.

DrCoconut · 29/04/2026 13:15

Throwmoneyatit · 29/04/2026 11:02

Only IF you have earned less than approx £600 in the last 6 months.

So working people on u.c are NOT able to get these as they earn more than that.

You can't just phone and get shit loads of money given to you!

Didn't you know there's a hotline we can ring whenever we fancy a new phone or car? And they throw in an extra £100 if you're brown or a single mum. I know because Steve down the pub said his mate's cousin's dog read it in the express.