Please or to access all these features

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:
Thread gallery
5
Fluffordirt · 28/04/2026 22:55

Northermcharn · 28/04/2026 22:49

I cringe for many people on the benefits threads all the time, its so transparent they all think they're entitled to everything. And they don't care where it comes from. 'the rich' I guess.. economically illiterate

This is what winds me up. I work in the area of public spending. There is ZERO leeway in the money we have. We desperately need to stop the national debt increasingly endlessly, and yet we have people on benefits with Netflix. If you have enough to get Netflix then you are receiving more in benefits than you need and the government needs to address this excess spending. Anything they can save will put off the point at which this country drowns in the sea of welfare payments being chucked around. I can’t believe so many posters don’t understand this. How can you be so economically illiterate?

DreamyJade · 28/04/2026 22:51

Northermcharn · 28/04/2026 22:45

Not at all. It's not trolling because you disagree with it.

But your facts are wrong. People on UC are always better off working more hours. Yes, they might get less in UC, but they’ll make far more in wages than they lose in UC.

The rules were changed years ago to make it more beneficial to work.

Northermcharn · 28/04/2026 22:51

ForWittyTealOP · 28/04/2026 22:46

Either you've had a (good) few or you're a bot gone rogue. Try again, see if you can make it make sense second time round.

I don't drink. It costs too much.

Fluffordirt · 28/04/2026 22:51

XenoBitch · 28/04/2026 21:41

Sorry but @youalright does have a point.
There was a thread on here were OP was on £100k+ and said they were so "broke" due to CoL that they would have to cancel Netflix (which I have and is £6pm). People like that are the ones that are tone deaf and out of touch.
If you are on a high salary and have to cut back on Netflix then you are shit with money.

Edited

I thought you were on benefits? How can you afford Netflix on benefits? I

youalright · 28/04/2026 22:49

Pessismistic · 28/04/2026 22:47

That’s the difference then because I’m sure it would be free.

Like I said having an NHS dentist is a massive privilege in this country free or not. Their lile gold dust

Northermcharn · 28/04/2026 22:49

PyongyangKipperbang · 28/04/2026 22:42

Cringing for you!

It really isnt true at all!

I cringe for many people on the benefits threads all the time, its so transparent they all think they're entitled to everything. And they don't care where it comes from. 'the rich' I guess.. economically illiterate

youalright · 28/04/2026 22:48

Northermcharn · 28/04/2026 22:45

Not at all. It's not trolling because you disagree with it.

Its not about agreeing or disagreeing its about you spreading misinformation and when you're told your wrong instead of listening and learning something you won't accept it

DreamyJade · 28/04/2026 22:48

Pessismistic · 28/04/2026 22:29

Yes but people on uc have it better with certain things like prescriptions, if I went for a filling I would automatically be skint and I think if uc claimant and could save money working people would be even more frustrated. I know people on pip who can save and go on holidays etc. I know people on UC who can go abroad I think it depends on how you spend your money many people have top of the range phones nails done etc, takeaways if you are saying you don’t have phone contracts, subscriptions tv go the salon regularly for nails and hair and don’t have pets or holidays you just have enough to eat and heat pay your bills with nothing left over then that’s shit but everyone I know who gets UC are not worse off than me.

PIP is not a means-tested benefit. You can get PIP if you’re disabled, even if you’re not entitled to UC. You could earn £100K a year and still get PIP. You’re effectively saying that disabled people shouldn’t have holidays.

Pessismistic · 28/04/2026 22:47

youalright · 28/04/2026 22:45

I don't think so but I'm not sure we haven't had nhs Dentists round here for years its either private or no dentist

That’s the difference then because I’m sure it would be free.

ForWittyTealOP · 28/04/2026 22:46

Northermcharn · 28/04/2026 22:40

Bless. It;s never going to work when so many people claim benefits. What have Labour done.

Either you've had a (good) few or you're a bot gone rogue. Try again, see if you can make it make sense second time round.

Northermcharn · 28/04/2026 22:46

PyongyangKipperbang · 28/04/2026 22:44

Or just plain stupid, but either way you are right that they are not worth engaging with.

great debate - as expected :)

Northermcharn · 28/04/2026 22:45

youalright · 28/04/2026 22:42

Yep

Not at all. It's not trolling because you disagree with it.

youalright · 28/04/2026 22:45

Pessismistic · 28/04/2026 22:43

If you has a nhs dentist would you still have to pay though?

I don't think so but I'm not sure we haven't had nhs Dentists round here for years its either private or no dentist

PyongyangKipperbang · 28/04/2026 22:44

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Or just plain stupid, but either way you are right that they are not worth engaging with.

Northermcharn · 28/04/2026 22:44

PyongyangKipperbang · 28/04/2026 22:38

Wrong.

A person who works over 16 hours very much can get UC, it is simply tapered off depending on income. There are a hell of a lot of full time workers on NMW who get UC because their income is so low.

Try checking a benefit eligibility checker such Entitledto and you will see that.

Listen I agree that big corporations should pay workers higher wages, and pay more tax, there's no doubt about that. But instead of enforcing change, Labour are just splurging the benefits bill. And people on benefits will never think they're 'not entitled' to said benefits. So here we are the sad tax payer funding the bill, for now. Unsustainable of course.

Pessismistic · 28/04/2026 22:43

youalright · 28/04/2026 22:42

I pay for dentist as can't get an NHS one like a lot of people. I pay opticians like a lot of people on uc. I don't pay for prescriptions but I wouldn't anyway as I have a medical exemption

If you has a nhs dentist would you still have to pay though?

youalright · 28/04/2026 22:42

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Yep

Sensiblesal · 28/04/2026 22:42

youalright · 28/04/2026 22:23

Not harsh realistic people need to stop wanting everything now and actually save for things. This is the reason people have no money cars on finance, mortgages they can't afford, expensive mobile phone contracts so they can get the newest iPhone. Days out, eating out being the norm rather then a treat once or twice a year, kids in multiple clubs. According to someone on here the other day she pays £200 to get her hair done and according to her thats a normal average amount.

I think if you are having a cut, colour and blowdry that £200 is probably not far off the mark nowadays. I go to the cheap Poundshop version of the hairdressers cos I’m not paying that kind of money even if I can now afford it without worrying to much, though I suppose if I was paying that out I probably would worry a bit more

I don’t disagree with what you say overall but the person wasn’t talking about luxuries which all of them are but having a buffer for emergencies.

people on benefits really don’t have the luxury of saving for holidays/brand new iphones etc never mind wanting them now. So they end up buying things on expensive predatory finance & so further sucked in the trap

youalright · 28/04/2026 22:42

Pessismistic · 28/04/2026 22:40

I do have a pre payment certificate because my medication would cost me 120 a month my point is on uc you don’t all have to pay for these things people I know get free prescriptions free eye test free dental so yes uc do have something more than a working person who does full time.

I pay for dentist as can't get an NHS one like a lot of people. I pay opticians like a lot of people on uc. I don't pay for prescriptions but I wouldn't anyway as I have a medical exemption

bigfacthunter · 28/04/2026 22:42

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

PyongyangKipperbang · 28/04/2026 22:42

Northermcharn · 28/04/2026 22:39

It is 100% true, you can deny it all you like. You'd probably claim that PIP is immune to fraud or something equally ridiculous. Go ahead if it makes you feel better to tell yourself that. Human nature I guess.

Cringing for you!

It really isnt true at all!

PyongyangKipperbang · 28/04/2026 22:41

Apologies if this has already been posted.

Sam Vimes’s ‘Boots’ Theory of Socio-economic Unfairness, propounded in Men at Arms:

The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money.
Take boots, for example. He earned thirty-eight dollars a month plus allowances. A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. Those were the kind of boots Vimes always bought, and wore until the soles were so thin that he could tell where he was in Ankh-Morpork on a foggy night by the feel of the cobbles.
But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that’d still be keeping his feet dry in ten years’ time, while the poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet.

youalright · 28/04/2026 22:40

Northermcharn · 28/04/2026 22:39

It is 100% true, you can deny it all you like. You'd probably claim that PIP is immune to fraud or something equally ridiculous. Go ahead if it makes you feel better to tell yourself that. Human nature I guess.

I work over 16 hours and get uc

Northermcharn · 28/04/2026 22:40

ForWittyTealOP · 28/04/2026 22:38

Sad when people can't update their knowledge and still think they're in a position to tell the rest of us a thing or two! Mind, the same poster had no idea that the DWP and HMRC are separate entities. Tragic really.

Bless. It;s never going to work when so many people claim benefits. What have Labour done.

Pessismistic · 28/04/2026 22:40

youalright · 28/04/2026 22:32

Ummm most people on uc pay for the dentist. As for prescriptions get a pre payment thats what I did before getting a medical exemption

I do have a pre payment certificate because my medication would cost me 120 a month my point is on uc you don’t all have to pay for these things people I know get free prescriptions free eye test free dental so yes uc do have something more than a working person who does full time.