I'm so fed up ATM. Me and dh work, me part time, as young dc, we live in a very cheap area if the country (and I suppose our wages reflect that), jointly we bring home under 26 thousand pa). We get 40 a month tax credits, which doesn't seem much, and I've just got a letter to say they've over paid us by 200 in the last year. HOW? Forty quid a month, and that's overpaid? How do people survive? Paying that back will take us into overdraft ans furture payments will now be around twenty quid less? Are we the scroungers everyone talks about? Am I the lazy feclkless parent that won't get a full time .job and sponges off the state? I can't go full time, my employer has no hours to give. Dh can't get a better paid job- there are none. With energy bills going up and food costing the earth how do people live. I seriously worry that people with even a little bit less than me will be pushed over the edge, old people, disabled people, how can people afford to survive now? Aibu to think that it won't be long (or already happening) before people are made homeless, just because the cost I'd living is so far apart from what we earn?