Should benefits be based on disposable income ?

[dogsandbudgey]

do you think this would be a fairer idea? I’ve no idea how it would work but I think in a way there’s something interesting about the idea of it.
Ie after basic bills are paid / mortgage, rent etc

Well for a start I currently live in a £500k house. We could have got a much bigger mortgage than we actually took out. So if I got an £800k house and used my benefits to pay the difference in the mortgage so that I could end up with an asset worth £800k instead of one worth £500k, do you think that would be reasonable? My bills would go up too in my massive new house - would my benefits cover that too?

What about if instead of nursery I chose to get a much more expensive nanny or just a more expensive nursery.

A scheme like this would be way too expensive to administer. It would make more sense to give everyone a basic income that could fund a minimum lifestyle. I believe they have trialled such schemes in Scandinavia. Massively expensive though obviously!

I hope universal basic income is never introduced here!

It is already isn't it ? At least the cut off point is a measly £16k of savings.

Universal credit doesn’t pay mortgages.

They did a trial here. Bunch of people from all over the country got an amount (think it was 2,500 a month) for 2 years. It should have ended now. No idea of the outcome.

YABVU.
Disposable income (if not spent) can be saved, and savings are good. The gov even has a savings scheme (Help to Save) for working people on UC.
If someone is not allowed to have anything after bills, then how on earth will they be able to buy things that are not regular such as clothing, or replace household items?

So people would just spend more money and get more money as a result. Sounds good. Count me in! 😆