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Contemplating whether to be SAHM? Do Universal credits pay more?

83 replies

CarmineInWonderland · 02/09/2026 21:43

I am contemplating on whether to be SAHM.
There's hear say that it is better off being on benefits than working as wages go to childcare.

It would be a dream but it would mean one less wage and relying on my hubby's income which isn't enough to cover a toddler and a baby.

What are the thoughts of being a SAHM on universal credits after maternity leave?

OP posts:
Mespher · 03/09/2026 06:06

It's probably easier if you rent, if you have a sizeable mortgage, I doubt they would pay that.

ColinOfficeTrolley · 03/09/2026 06:01

I do question how do they actually get their nice cars when us working parents have to work our butt for them, this is when we feel very outraged

Ahh so your post was rage bait. Who is "they"?

CarmineInWonderland · 03/09/2026 04:49

Anewusernametoday · 03/09/2026 03:21

By quitting work and having a nice break as a SAHM, through working hard and paying my taxes, I am effectively paying for you to stay home.

How does that make you feel?

This is why the thought of a "temporary SAHM" is up in the air. Not saying I would be one, there is way too many outgoings to do so, it's a harsh situation that we have to work to earn our keep and for the children.

It's not an ideal situation for those that are claiming but some don't have a choice. I do question how do they actually get their nice cars when us working parents have to work our butt for them, this is when we feel very outraged.

OP posts:
Anewusernametoday · 03/09/2026 03:21

By quitting work and having a nice break as a SAHM, through working hard and paying my taxes, I am effectively paying for you to stay home.

How does that make you feel?

LittleMissFooled · 03/09/2026 03:11

CarmineInWonderland · 02/09/2026 22:57

Thank you. In an ideal world it would be nice to be a SAHM but in reality it doesn't look like it's going to happen...

Those that can work should work. No one should be a SAHM unless they can do so without claiming working people’s money.

We’ve all had to work whilst bringing up children, you just have to suck it up too. Thats life!

patooties · 03/09/2026 02:53

ACynicalDad · 02/09/2026 23:52

Expect benefits to change when there is next a change in government, and rightly so.

Oh I think it’s coming under this one…

Tronti · 03/09/2026 01:33

Also, you'll probably have to pay full council tax between you. That's quite a whack now. Depending on where you live it could take a fair chunk of what you'd get from UC. And you would absolutely be expected to pay it out of your UC. While providing proof that you're looking for work.

Thequeenofwishfulthinking · 03/09/2026 01:04

How old are your children? Even if your family qualify due to a low income , Im sure you will be expected to prepare or look for work for anything up to full time hours depending on your circumstances.
The DWP requires proof of this or you will be sanctioned and have your UC reduced accordingly.
The only way youd be able to avoid looking or preparing for work completely is lf you have a serious long term health condition.and you are not expected to get better.
Be careful what you wish for OP. The system has changed to prevent people from doing exactly what you fancy doing longterm..

HeyThereDelila · 03/09/2026 00:40

Why should we subsidise you to do this?

Dreameth · 03/09/2026 00:06

It might work out financially better on the calculator.

But as people say you need to think about the future too.

It’s actually worse when the kids go to school and you have to drop off/ pick up at silly times and school holidays.

So unless you can be a SAHM for the foreseeable.. by which point you might become unemployable. Then do it yes.

If your husbands wage is not enough to live comfortably then I would try to get into a job with flexibility. Earn your stripes and good will whilst the kids are in nursery childcare (better coverage on hours) even if your breaking even! And then when the kids go to school you will have hopefully earned some goodwill to stay in a role whether part time/ condensed or flexi time. .

TheSmallAssassin · 03/09/2026 00:00

Nobody should just consider childcare costs against current earnings - you also need to think about when you don't need childcare any more but you are stuck earning less than you used to and the impact on your pension. It's very short term thinking.

NolanChanceJustLikeTheWeatherNSoul · 02/09/2026 23:59

cymruyespls · 02/09/2026 22:00

Yes, good idea. Quit your job and then contact the DWP to let them know you’ll be claiming benefits just because you fancy it.

DWP are most accommodating when on a whim you fancy a bit of the old UC .😁

Then grill the living shit out of you about every aspect of your life.
They go after the wrong people.

Katemax82 · 02/09/2026 23:56

Bleppington · 02/09/2026 22:13

Depends what your DH earns.

He may well earn too much for you to get anything at all.

Also, the very high awards you may have heard about are nearly always down to high rent and/or childcare costs being paid. If you're a SAHM then obviously childcare costs won't be paid, and if you've got a mortgage rather than renting you won't get housing element either.

You don't seem to know much about how your cunning plan will actually work tbh.

My very high award comes from having 3 kids, 2 autistic (I actually have 4 kids but ones an adult)

ACynicalDad · 02/09/2026 23:52

Expect benefits to change when there is next a change in government, and rightly so.

Wadsworthy · 02/09/2026 23:46

My thoughts are that you can’t afford to if you need to sponge off other tax payers via universal credit.

CarmineInWonderland · 02/09/2026 23:07

KarenNextDoor · 02/09/2026 23:05

Theres benefits to children to go to nursery/childminders/preschool. Working is always best. Women should have their own money really. You just never know what might happen in the future with your relationship

Thank you. 🙂

OP posts:
KarenNextDoor · 02/09/2026 23:05

Theres benefits to children to go to nursery/childminders/preschool. Working is always best. Women should have their own money really. You just never know what might happen in the future with your relationship

CarmineInWonderland · 02/09/2026 22:59

sodoffbeforemycupofcoff · 02/09/2026 21:55

https://www.turn2us.org.uk/

mess around with it and see what you’d get if you worked/didnt work/worked 16 hours/worked 30 hours etc

Thank you again 😊

OP posts:
CarmineInWonderland · 02/09/2026 22:57

Bleppington · 02/09/2026 22:13

Depends what your DH earns.

He may well earn too much for you to get anything at all.

Also, the very high awards you may have heard about are nearly always down to high rent and/or childcare costs being paid. If you're a SAHM then obviously childcare costs won't be paid, and if you've got a mortgage rather than renting you won't get housing element either.

You don't seem to know much about how your cunning plan will actually work tbh.

Thank you. In an ideal world it would be nice to be a SAHM but in reality it doesn't look like it's going to happen...

OP posts:
CarmineInWonderland · 02/09/2026 22:55

JLou08 · 02/09/2026 22:15

I don't believe this is a genuine post.
In the unlikely event you're brand new to MN and do really believe people on benefits are better off, I will answer. If your DPs earnings are low enough that you would get UC if you quit work then you will be eligible for 30 hours free childcare for them at the very least, you many even be entitled to some UC to top up your wages and pay up to 85% of what childcare costs you have on top of your free hours, so no, it is not true that you will be better off on Universal Credit. It's a myth.

Thank you, it does clarify a bit more. As things stand it is not realistic being a SAHM is out of the question.

OP posts:
JLou08 · 02/09/2026 22:15

I don't believe this is a genuine post.
In the unlikely event you're brand new to MN and do really believe people on benefits are better off, I will answer. If your DPs earnings are low enough that you would get UC if you quit work then you will be eligible for 30 hours free childcare for them at the very least, you many even be entitled to some UC to top up your wages and pay up to 85% of what childcare costs you have on top of your free hours, so no, it is not true that you will be better off on Universal Credit. It's a myth.

Bleppington · 02/09/2026 22:13

Depends what your DH earns.

He may well earn too much for you to get anything at all.

Also, the very high awards you may have heard about are nearly always down to high rent and/or childcare costs being paid. If you're a SAHM then obviously childcare costs won't be paid, and if you've got a mortgage rather than renting you won't get housing element either.

You don't seem to know much about how your cunning plan will actually work tbh.

x2boys · 02/09/2026 22:12

It very much depends on what your husband earns
What you will lose in earnings
How much rent( if you rent ) you pay etc.

NewIdeasToday · 02/09/2026 22:10

As someone who (like many!) went back to work after six months maternity leave and then had to work extremely hard to balance work and family life I’m afraid this post is infuriating.

Maybe it is rage bait as a previous poster said?

Otherwise, how can you possibly expect others to work and pay taxes in order to subsidise your lifestyle?

Shinyandnew1 · 02/09/2026 22:06

What does your husband earn?

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