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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:
HereIsMee · 13/01/2014 16:07

moomins it's very frustrating though cos you could only get £5 while your neighbour got £100's and they could sit there whining about why you can't manage with your money if you are both lone parents. I'm pleased that DS is getting his maintainance now but it literally all goes to him. He gets £7.50 pocket money and £10 towards travel/phone/equipment/clothes each week. A few years ago I got nothing.

morethanpotatoprints · 13/01/2014 16:14

I'm sure this has been mentioned, I haven't read all 17 pages.

How on earth can somebody say they are managing fine financially when they have an overdraft that needs to be paid off?
That isn't managing, surely.

OP, if you stopped the waxes you could pay off the overdraft then it would be one step forward every month. Eventually you may be able to save some money too.

Also, I don't think you have factored in the cost of internet as you say somebody else pays this for you now.

Many other sps will be paying this themselves.

JakeBullet · 13/01/2014 16:30

I don't have any "beauty" treatments aside from hairdressing. How are you doing this OP?

I admit I am not struggling every month like some but I only have one child.

I was still over £500 a month better off in work. I certainly had far more disposable income thqn I do now.

My exH DOES pay maintenance of £200 a month but it isn't at a set time.....and it can be in dribs and drabs too. One reason this income is disregarded is because it IS so unreliable.

I worked with a lady once whose ex partner refused to give her any maintenance because "you get money from the Government for the kids". What an absolute charmer eh?

MoominsYonisAreScary · 13/01/2014 16:33

Herels, yes I can imagen, its really another crazy way of doing things isnt it. One person gets a couple of quid a week, another might get hundreds.

MoominsYonisAreScary · 13/01/2014 16:45

Mine refused to give maintanance because he is a prick, every time the csa got hold of him he went se. The feq payments I received he wanted to know exactly what it was going on.

CockPissPartridge · 13/01/2014 16:51

As a lone parent of one 7yo, II receive a total of £324 a month in benefits:

Child Tax Credit, Child Benefit.

I receive full local housing allowance for a two bedroom house (the lowest rent in my area, but still with a £186 shortfall which has to come out of my "income").

Discretionary housing payments in my area are only granted to top up existing awards to the current lha levels, so this would be £30/week if I were actually getting this at present (which I'm not).

I have arrears on all of my utilities and am repaying them at the lowest levels possible (lowest if £6/wk for water for example.

I don't have loans or credit cards

no landline

no satellite television (also no normal television)

no car

travel expenses are kept minimal by walking everywhere if possible or not going out

socialising costs - I meet a friendfor coffee once a fortnight

don't smoke

I do pay for internet to make not being able to leave the house easier

I run an old phone on £10 month PAYG

regular swimming - cannot afford to do this despite the recommendation from my physio

yoga - same as above (but with pilates)

wax salon - NO

buy school uniform - yes

and children's clothing as and when required - I buy clothes for birthdays/xmas and hope dd doesn't need anything in between.

morning and after school clubs are free to those on income support - not in our area

school holiday clubs are heavily subsidised - not in out area

as are school meals - we do claim these

dentistry - free for kidsanyway, don't go myself as can't justify bus fares

doctor's prescriptions - do claim these for me, but free for kids

council run leisure centre swimming and gym classes, and many other recreation - fees for these are cheaper than full price but are still out of my price range

constantly overdrawn - have no overdraft

Probably quite unsurprisingly we are facing eviction, and all because I had the sheer audacity to have an accident whilst during a self-funded Masters that means I am ineligible for ESA Hmm

HereIsMee · 13/01/2014 16:51

Jake DS's dad and my family used to say that too. :-0 but I don't think they'd do that now. As they started realising the reality a few years ago when austerity hit and people they new started being hard up or they had temporary employment etc.and that's without kids. My poor brother was so surprised he couldn't get a job at the job centre and shocked how he was treated after redundancy after years of employment paying high taxes. They treated him with suspicion but he managed to work it out and find employment. I think he thought you just turn up and they give you loads of £££s Smile

But I won't complain as DS is an only child so it could have been much worse.

IneedAsockamnesty · 13/01/2014 17:37

jake I hear that all the time.

One of my friends had to go into hospital for 3 days the kids dad (none paying)stayed at her house to look after the kids he wouldn't agree to look after them unless she handed over the weeks TC and CB

DioneTheDiabolist · 13/01/2014 17:43

OP how did you afford the removal costs (transport/new curtains/flooring etc.)?

mumandboys123 · 13/01/2014 17:46

gosh, aren't you lucky, OP, that it's all worked out fine for you? How totally smug of you that you can live on that amount....when I first became a lone parent, I had one day's work a week, 2 small children (one in school 15 miles away). and another child on the way. I had a mortgage of £1.1k a month, associated bills, and a debt of £10k in my name only. I owned a second property with my ex - who had moved into it. He refused to pay anything (and he could afford it) including child maintenance (and still hasn't paid any of that 5 years later). My basic outgoings each month topped £2k...I had about £800 coming in plus an additional £800 in benefits. I wasn't eligible for help with the mortgage because I owned the additional property I had no access to. The court system took months to engage my ex (who only engaged when he was threatened with imprisonment) and in the meantime, the house was repossessed from under me (whilst I had an 11 month old baby) and still me ex solidered on with his head in the sand. I should perhaps have sold the car, except to say when I got my life back on track some two years later, I needed it to get the 25 miles to university to study so that I could get a full-time job - I now work full-time as a teacher. I certainly wouldn't have been able to buy even an old banger at that point as I had nothing left. I lived in an old house which needed constant maintenance - no calling the landlord when things stopped working. More money I had to find.

I certainly didn't get free childcare or free appliances or furniture. In fact, despite eligibility for legal aid in those days, my mum ended up paying my legal bills as I had to wait nearly 3 months for an appointment with the only legal aid solicitor with availability within 10 miles. I paid for school uniforms (although yes, we got free school meals when my eldest came out of his private school my ex had insisted he go to and then didn't bother paying for) and everything else. I still do. Half the clothes I buy end up at my ex's and are never returned. I buy double the school uniform of normal people 'cos it gets left at my ex's and he wont' return it.

Whilst I understand that benefits are generous -and I do believe this - it doesn't make living on benefits easy for everyone. If you are left in the position, I was in, benefits barely touch the surface. More importantly, no one cares and the legal system does nothing at all to protect you. Be grateful you manage. Thousands can't.

Sparklysilversequins · 13/01/2014 17:58

Those who feel "sick" at the amount lone parents get or otherwise horrified, what exactly do you want for the children who through no fault of their own have ended up in a lone parent family? Is scraping about for every last penny and never having anything remotely nice how life should be for them?

It will be over soon enough and OP will be on JSA. Believe me that's no picnic these days, they expect results! And constantly poised ready to sanction and stop benefits for any missed appointment or not meeting goals and criteria.

I'd love to work, it's unlikely I ever will, I am a lone parent and have two dc with significant additional needs. I am studying for a degree with the OU that I will probably never use. Should my children and I be scraping and living in the dull greyness of poverty forever because others deem our benefits too generous?

Oh and fwiw I didn't claim my 15 free hours for either of my dc as neither were able to partake because of their additional needs. So it least some money was clawed back there.

morebeta's post of 09.18, explains it well I think.

AmberLeaf · 13/01/2014 18:00

there is an air of 'im really bad with money but I manage fine' = single parents get too much.

several points from the OP are not right.

re child maintenance; most single parents get none, many get the minimum of £5 a week. so that is a moot point.

AllDirections · 13/01/2014 18:14

If you're not working and you get benefits, you get approximately £60 per week child tax credits per child. A few of posters who listed their benefits don't seem to be getting this. You should probably check that you're getting what you're entitled to.

secretsofsanta · 13/01/2014 18:18

Tbh this just pisses me off. Higher tax rate paying dh, get sweet fa in help and i work weekends to keep us a float. We would be considerably better off if we split.

ssd · 13/01/2014 18:33

split then

secretsofsanta · 13/01/2014 18:35

Yeah ok ssd ignores some internet randkms advice

DizzyZebra · 13/01/2014 18:40

Of course youd be better off on benefits than in with your husbands high wage santa. Makes perfect sense.

secretsofsanta · 13/01/2014 18:48

Id be getting benefits and maintence though?

DizzyZebra · 13/01/2014 18:57

Go do that then...

AllDirections · 13/01/2014 19:03

So you might be better off santa but you and your DH collectively wouldn't be

AmberLeaf · 13/01/2014 19:13

Try it then secretsofsanta.

HereIsMee · 13/01/2014 19:14

santa You could offer your DH to a lone parent who isn't enjoying the bountiful benefits. I'm not really into that sort of thing myself but you could make someone happy whilst persuing your dream. I hope your DH will be up for it.

Good luck.

theywillgrowup · 13/01/2014 19:37

cant read all but dont you think if you can afford waxing,yoga etc YOU should be paying YOUR own blardy rent and council tax top up,NOT get the poor fund to pay it,ffs

IneedAsockamnesty · 13/01/2014 19:54

santa right now in theory you have access to 100% of your DH's salary as a lone parent with 2 or more kids you would have 20%

IneedAsockamnesty · 13/01/2014 19:55

After his pension contributions are taken out