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To believe £780 month lone parent benefits income is adequate to live on.

786 replies

goldfacegreen · 13/01/2014 00:48

There's some myth busting required at last I think.

As a lone parent of two under 6, I receive a total of £780 a month in benefits:

Income Support, Child Tax Credit, Child Benefit, CSA (£5 a week).

I receive full housing benefit for a two bedroom house (£75 shortfall which has to come out of my income support, currently being paid via Housing Discretion Award) which doesnt go into mybank account, it gets paid direct to landlord, and £16 a month council tax shortfall also has to be paid out of income.

I'm on meters and gas and electric are around £20 a week each, some of which pays off accrued debt. Water is deducted directly from my income support via an 'attachment of earnings' type court order.

I don't have loans or credit cards, no landline, no satellite tele, no car, no travel expenses, no socialising costs, don't smoke, my Internet is paid for by someone else although I should have organised a bill swap ages ago Blush and I run an old phone on £10 month contract. My other costs are regular swimming, yoga, wax salon, and I buy school uniform and children's clothing as and when required.

Childcare such as nursery (pre-school), morning and after school clubs are free to those on income support, school holiday clubs are heavily subsidised, as are school meals, dentistry, doctor's prescriptions, council run leisure centre swimming and gym classes, and many other recreation facilities.

My budgeting skills are atrocious but having recently done some sums, I actually have around £250 a month 'spare' from all benefits income. Although for the past year or two I've been constantly overdrawn by around £500 so whenever income is credited, I'm always 'one step forwards, two steps back' amd because of this will never get back in the black again.

So, with better budgeting (I don't buy a regular weekly food shop for instance, instead spend a fortune every few days buying dinners and sundries at the overpriced local Tesco Metro) I just don't understand how so many lone parents claim they can't afford to live on these same benefits.
Even if you have debts, there are features in place to reduce your debt payments to just £1 a week or even write them off altogether as a last resort.

Also, the father of my children earns thousands but fraudulently claims benefits, so he is only required to pay the minimum £2.50 a week per child direct from his benefits. Many lone mothers receive full child support which isn't deducted from their other benefits income, so can be receiving up to £800 a month on top of their benefits depending on what the chikdren's father earns. I have noticed that rarely will lone parents on benefits state this fact or include it in their income along with their complaint.

Yes, it is a struggle trying to support myself and two young children on £780 a month (but mostly because I can't get over this overdraft debt shackle) but on paper, budgeting well, it is entirely doable, and if you are frugal, you could even save a little too.

Why does the Daily Mail stereotype exist that single mothers are rolling in handouts, given the above figures? Just under £195 a week is an adequate income for one adult and two young children, surely..

OP posts:
goldfacegreen · 13/01/2014 03:10

GarlicReturns

Well actually, yes. I am saying virtually that. Why do you find it weird? The assistance is available and out there, it's a case of searching for it or being referred.

OP posts:
Revenger · 13/01/2014 03:10

I have read the full thread. I know you haven't lived here for 6 years. I was still living here 6 years ago too so my point is still relevant.

Anyway, I have work to get up for in about 4 hours so I must go to sleep.

Enjoy your riches op and good luck with the job search.

SPsMrLoverManSHABBA · 13/01/2014 03:11

gold you do realise its 2014 now right? That was 7 years ago when I was 16 Shock

goldfacegreen · 13/01/2014 03:11

Thanks Revenger I hope you get a good nights sleep. Sorry to have kept you up . The jobsearch is going as well as can be expected so far, again Thankyou Flowers

OP posts:
IneedAsockamnesty · 13/01/2014 03:12

Someone is allowed to receive gifts,what they are not allowed to not declare is regular payments towards day to day living expenses.

So I could give you £500 and say here's a gift go spend it, or pay for something that would be considered a luxury as a one off gift but not a essential expense that was being paid for on a on going basis.

Tv packages/ aa membership that sort of thing are often done as gifts for skint people its not unusual and it's not against the rules (that's if the rules haven't changed since I last checked) wifi may be questionable

DizzyZebra · 13/01/2014 03:12

There is a massive difference in local services from county to county. Where i live the surestart services are really good. I am told that in other areas they have been cut back to providing a 6 week parenting class for new mums, many have been shut.

Ours runs a clinic, a creche, a home help scheme, various activities to take DCs to.

I dont know about furniture funding etc, but here there are a couple of big charity warehouses, open to anyone to buy from. I bought my leather sofa and recliner, brand new condition from them for £60, £5 delivery. It cost 2 grand new - I know because they gave me the DFS receipt the original buyer left with it.

They have a lot of decent furniture, prams, bed frames, dining tables etc very cheap. They also sell books for about 10p each.

Transport varies as i said. Here it is all one company mostly and mostly very regular services, Other places have terrible systems with multiple companies, seemingly random ticket pricing and usage allowances (You couldnt use a day ticket where i used to live before 9:30 for example, youd have to pay an additional fee to use it during certain hours at tea time too).

Also things like shopping. If you live in a town where the only options are supermarkets its harder to shop around for bargains.

goldfacegreen · 13/01/2014 03:13

SP Currently on a nice mix of Nurofen and for my toothache, it could be 2214 right now for all I know Grin

Night all.

OP posts:
GarlicReturns · 13/01/2014 03:13

No. It isn't available any more. Why don't you get that?

I had my social fund grant in 2007. It bought my household stuff. There are NO social fund grants any more. No social fund loans, even, I had one of the last ones.

This, above all else, makes me think you're not real. Nobody who's dependent on the benefits system can be so blithely unaware of its erosions. Or does all your free internet & library use come with an automatic block on current affairs?

SPsMrLoverManSHABBA · 13/01/2014 03:14

dizzy are you in Yorkshire? If you use the bus before half 9 in the morning a day rider is £4.90!

IneedAwittierNickname · 13/01/2014 03:14

A couple of years ago, my ex was paying my internet bill. I had to tell income support, but the only thing it affected was my maintenance payments which were reduced by the amount that the bill was.

I still had to tell is though.

goldfacegreen · 13/01/2014 03:14

Garlic, read e whole thread. I didn't mention social fund grants or loans. I mentioned charity furniture projects...

I'll reply back tomorrow. Need to sleep.

OP posts:
YoureBeingASillyBilly · 13/01/2014 03:15

The assistance is not there across the board. Wherever you are is obviously a very well off council in comparison to most- not to mention you getting bills paid by others and having no travel costs. Not all councils offer the same and not everyone is entitled to all help nor access it.

MoominsYonisAreScary · 13/01/2014 03:15

I dont think its too much, im not surprised people struggle. I remember the fridgefreezer and washer packing up within a couple of months of each other and that tipped me over the edge.

SPsMrLoverManSHABBA · 13/01/2014 03:16

Moomins then you wait around for the next thing to go as it comes in 3's. I know the feeling

jacks365 · 13/01/2014 03:18

Todmorden isn't too bad for shopping due to a pretty good market, fantastic little butchers, lidl and free vegetables and herbs growing all over the place but the shopping is very limited when you need things like children's clothes or shoes.

DizzyZebra · 13/01/2014 03:19

And Taxis - Even they vary. The taxi drivers here starting fare is £1.30 daytime rate. Where i used to live its about 3 quid starting.

Energy - A terraced house is usually going to be cheaper to heat because you benefit from neighbours heating too. My house as i said earlier i think is ridiculously warm.

Activities - I can take the kids to a museum etc for the cost of train fair (4.80) and maybe a bag of chips while we are there. I dont even know where there is a museum where i'm originally from, not an interesting one for kids.
I am also in the fortunate position of having friends near by with horses so a day out visiting them at the yard is always enjoyable (Obviously i dont have my own horses anymore!) for the kids - If the menage is empty theres a giant sandpit right there!

There are a good few local parks. Also seem to get a good ammount of fairs around here where i used to live we got one big one once a year and it was mental, packed and expensive.

MoominsYonisAreScary · 13/01/2014 03:19

Yep sp, I think it was ds1s bed Grin

DizzyZebra · 13/01/2014 03:20

SP Nope. Im in the NW. The place i was talkign about with the shit busfair is in the east midlands where i'm from originally.

Jacks i saw derren browns thing in todmorden, i REALLY want to live there.

IneedAsockamnesty · 13/01/2014 03:20

Well actually, yes. I am saying virtually that. Why do you find it weird? The assistance is available and out there, it's a case of searching for it or being referred

You forgot to mention that before your referred you have to have A.had the crap beaten out of you or B.your children being returned from care or C.be a care leaver yourself or D. Recently released from prison or E.rehoused after homelessness.

These things are not available to claimants without these reasons.

Danann · 13/01/2014 03:23

SP you might want to look at your electricity supplier, I've used £3.60 electricity today and I've done 2 loads of washing.

jacks365 · 13/01/2014 03:23

I don't live in Todmorden itself but it's my nearest town for shopping etc. It is a beautiful place and I love to just walk down the canal to Hebden Bridge.

Danann · 13/01/2014 03:24

Hmm OP were you just after a little round of applause? coz if you have a spare £250 a month maybe you should work on clearing your overdraft a little before commenting on other people's spending.

fwiw, We have £3 less than you do a month after rent and council tax and manage to feed me, DH, 2 kids and a large dog without going into our overdraft, we are not entitled to help with school meals, pay our own internet and the DC both go to 2 clubs/activities a week each.

However the reason we can do this is DH and I rarely spend anything on ourselves (certainly no yoga or wax salon) we're lucky enough to have no debts at all, be completely up to date with our bills, live practically next door to Aldis which saves a fortune on food, the DC will eat absolutely anything I cook so I can buy whatever happens to be on offer and school and work are easy walking distance, as are a wealth of leisure activities, if I had to get a bus to do the shopping/take the kids to school or if DH needed transport to work or we lived in a rural area where we needed a car to get anywhere then we'd struggle too.

Point is just because I can cope doesn't mean I expect everyone to be able to because most people have expenses/bills/debts that I don't.

Oblomov · 13/01/2014 04:07

You get £780 on benefits?
I feel sick. I can't believe you are given that much. It's so wrong.

DizzyZebra · 13/01/2014 04:11

Oblomov really.. You feel sick? Bit dramatic don't you think?

DolomitesDonkey · 13/01/2014 06:16

OP - I believe you and I agree with you. There are plenty of ways to make life easier but I think sometimes people can't see the woods for the trees.

My sister is fully employed, never been on benefits - but she picked up her 2 sofas from a "second hand warehouse" in Swansea for 80 quid and they were almost new.

I think it's quite funny that Shanks' Pony is found to be unbelievable around these parts. Grin

Also, OP said she did "arts & crafts" things with her child/ren - why do people assume these are organised classes? Wither a pritt-stick, some fur-cones and a tube of glitter?

Good for you OP, you seem to be living a decent enough life and seem based in reality - I should imagine the yoga does wonders for your mental health! Ommmmmm!