Page 9 | To think saving on Universal Credit is extremely difficult?

FirmGreyMember · 2026-04-28T19:42:46+00:00

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?

ilovesooty · 29/04/2026 14:42

GiaGia16 · 29/04/2026 14:27

What a delightful person you sound.

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If you think the poster has breached the guidelines you're free to report. Otherwise accept that people are allowed to disagree with you.

ForWittyTealOP · 29/04/2026 14:41

PenelopePinkerton · 29/04/2026 14:36

I think you’ll find it was idstillratherbepaddleboarding that said that. But carry on being hostile….

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Odd. It's only showing up under your username in the quote history. No sign of the username paddleboarding whatever.

But apologies for any misunderstanding. Why did you continue to answer when it became obvious there was some kind of technical blip? I could have been arguing with someone else all that time.

PenelopePinkerton · 29/04/2026 14:36

ForWittyTealOP · 29/04/2026 14:32

It's in your quote history.

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I think you’ll find it was idstillratherbepaddleboarding that said that. But carry on being hostile….

PenelopePinkerton · 29/04/2026 14:33

youalright · 29/04/2026 14:27

Omg what job do you do and are they hiring

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I’m a director of a healthcare provider. We generally recruit NHS consultants who are becoming burned out from their NHS roles and we offer much better conditions.

ForWittyTealOP · 29/04/2026 14:33

GiaGia16 · 29/04/2026 14:27

What a delightful person you sound.

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I am delightful, yes. I'm also direct because I'm autistic and not apologetic about that.

ForWittyTealOP · 29/04/2026 14:32

PenelopePinkerton · 29/04/2026 14:25

I never said that. That was another poster. Your vitriol is directed at the wrong person.

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It's in your quote history.

SpryTaupeTurtle · 29/04/2026 14:29

GiaGia16 · 29/04/2026 14:27

What a delightful person you sound.

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As delightful as the people telling me I'm not unwell and shouldn't be claiming benefits

youalright · 29/04/2026 14:27

PenelopePinkerton · 29/04/2026 14:26

399k

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Omg what job do you do and are they hiring

GiaGia16 · 29/04/2026 14:27

ForWittyTealOP · 29/04/2026 14:24

I'm not rude. I'm direct. I won't apologise for that to people rude enough to make comments like yours. Mind your own business.

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What a delightful person you sound.

PenelopePinkerton · 29/04/2026 14:26

youalright · 29/04/2026 14:24

Holy shit how much do you earn thats more then i earn in a year. P.s can I have some money please

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399k

PenelopePinkerton · 29/04/2026 14:25

ForWittyTealOP · 29/04/2026 14:22

I'm not interested in how much you say you contribute. I never have been. You complained about how much money you fork out for people who don't work. This is what you said.

"It's very difficult for many of us who work to save these days too, mostly because we’re giving so much of our wages to those that don’t, so I can’t feel too sorry for them 🤷‍♀️."

I have only ever asked you how much you are personally contributing through your income tax (or, in your words, "giving so much of [your] wages" towards those who don't work). And you don't know. Fine. Don't make such sweeping claims then.

Also if you're finding it hard to save on almost £400k p/a, maybe people should feel sorry for you!

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I never said that. That was another poster. Your vitriol is directed at the wrong person.

youalright · 29/04/2026 14:24

PenelopePinkerton · 29/04/2026 14:06

I make two levels of contribution. My tax and NI is 14.5k a month. I have no control over how that is spent. I then spend a further 8k a month that I give to four people who don’t work. That has nothing to do with the welfare state and is my choice. I’m not sure why you are being so belligerent when I have not made any disparaging remarks about anyone claiming benefits. I have just stated how much of my income is spent🤷‍♂️

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Holy shit how much do you earn thats more then i earn in a year. P.s can I have some money please

ForWittyTealOP · 29/04/2026 14:24

GiaGia16 · 29/04/2026 14:13

Why so persistently rude?

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I'm not rude. I'm direct. I won't apologise for that to people rude enough to make comments like yours. Mind your own business.

ForWittyTealOP · 29/04/2026 14:22

PenelopePinkerton · 29/04/2026 14:06

I make two levels of contribution. My tax and NI is 14.5k a month. I have no control over how that is spent. I then spend a further 8k a month that I give to four people who don’t work. That has nothing to do with the welfare state and is my choice. I’m not sure why you are being so belligerent when I have not made any disparaging remarks about anyone claiming benefits. I have just stated how much of my income is spent🤷‍♂️

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I'm not interested in how much you say you contribute. I never have been. You complained about how much money you fork out for people who don't work. This is what you said.

"It's very difficult for many of us who work to save these days too, mostly because we’re giving so much of our wages to those that don’t, so I can’t feel too sorry for them 🤷‍♀️."

I have only ever asked you how much you are personally contributing through your income tax (or, in your words, "giving so much of [your] wages" towards those who don't work). And you don't know. Fine. Don't make such sweeping claims then.

Also if you're finding it hard to save on almost £400k p/a, maybe people should feel sorry for you!

GiaGia16 · 29/04/2026 14:13

ForWittyTealOP · 29/04/2026 13:59

Will it? I mean you make various claims. I've backed up my point with verifiable statistics. Which one of us should "give it a rest"? Me or the person who claims to spend "so much money" on people who "don't work" as though the welfare state wasn't contributory and collective at all.

TL:DR? Stop moaning and assuming your own superiority.

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Why so persistently rude?

SpryTaupeTurtle · 29/04/2026 14:07

It's helped me because it was a break from the constant pressure of having to find work when I wasn't well enough to hold a job down

PenelopePinkerton · 29/04/2026 14:06

ForWittyTealOP · 29/04/2026 13:59

Will it? I mean you make various claims. I've backed up my point with verifiable statistics. Which one of us should "give it a rest"? Me or the person who claims to spend "so much money" on people who "don't work" as though the welfare state wasn't contributory and collective at all.

TL:DR? Stop moaning and assuming your own superiority.

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I make two levels of contribution. My tax and NI is 14.5k a month. I have no control over how that is spent. I then spend a further 8k a month that I give to four people who don’t work. That has nothing to do with the welfare state and is my choice. I’m not sure why you are being so belligerent when I have not made any disparaging remarks about anyone claiming benefits. I have just stated how much of my income is spent🤷‍♂️

DreamyJade · 29/04/2026 14:05

Fluffordirt · 29/04/2026 13:21

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

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It beats having someone in the workplace who could be in the throes of mania, or catatonic, or in a psychotic episode.

SpryTaupeTurtle · 29/04/2026 14:05

No one and I mean no e should be shamed for claiming benefits. Disability or otherwise. The biggest part of my benefit that I get is because of a triple leg fracture. I slipped going downstairs in my flat. I broke three bones and I pretty much snapped my ankle in two. I'm still in pain two years on

I was told that if I didn't have an operation I would suffer from arthritis in later life. I have a ten inch plate on one side of my leg and two screws on my ankle

But apparently I'm a scrounger and doubly so as I have mental health issues too

ShanghaiDiva · 29/04/2026 14:03

PenelopePinkerton · 29/04/2026 13:50

Oh give it a rest. A significant proportion of my tax will be spent on welfare. Simple. The exact breakdown is unknown.oh and the people I support individually have no need to claim benefits.

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I file a self assessment every year and receive an email re how your tax was spent. Details are probably available on government gateway.

ForWittyTealOP · 29/04/2026 13:59

PenelopePinkerton · 29/04/2026 13:50

Oh give it a rest. A significant proportion of my tax will be spent on welfare. Simple. The exact breakdown is unknown.oh and the people I support individually have no need to claim benefits.

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Will it? I mean you make various claims. I've backed up my point with verifiable statistics. Which one of us should "give it a rest"? Me or the person who claims to spend "so much money" on people who "don't work" as though the welfare state wasn't contributory and collective at all.

TL:DR? Stop moaning and assuming your own superiority.

SpryTaupeTurtle · 29/04/2026 13:59

PenelopePinkerton · 29/04/2026 13:50

Oh give it a rest. A significant proportion of my tax will be spent on welfare. Simple. The exact breakdown is unknown.oh and the people I support individually have no need to claim benefits.

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And? It's the same for anyone who works full time

Monty36 · 29/04/2026 13:57

I doubt when it was created that the intention was that people would be able to save as such.
The creation of the minimum wage alongside tax credits ensured that employers keep wages for modest work to a set level. Topped up by a subsidy from the taxpayer.
This means it is incredibly hard to move to a different job equally modest, as the pay is the bloody same.
Years ago, before NMW and tax credits there were times when employers had to put their hand in their pocket and cough up and pay more. So not everywhere paid the same. And people could move around and get better paid jobs.

You do get living wage jobs of course but the inability to move upwards is an issue.

PenelopePinkerton · 29/04/2026 13:50

ForWittyTealOP · 29/04/2026 13:43

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

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Oh give it a rest. A significant proportion of my tax will be spent on welfare. Simple. The exact breakdown is unknown.oh and the people I support individually have no need to claim benefits.

SpryTaupeTurtle · 29/04/2026 13:47

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?

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Yes reform have said that people with mild depression will lose benefits. Odd that I was told by the dwp that I was fully fit to work when I was suicidal