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AIBU?

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..

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goldfacegreen · 13/01/2014 01:13

SP That's an incredible amount for one machine wash. I'm going to double check my electric meter next time I put the machine on. Blimey.

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SupermansGirl · 13/01/2014 01:13

Once your in work you will find money gets spent easier as you will loose most of your benefits. You then have to think about travel/lunch/clothes for work and the rest.

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VworpVworp · 13/01/2014 01:13

But if you have HB, you have more than £780 p.c.m Confused

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SPsMrLoverManSHABBA · 13/01/2014 01:13

Crazy My house is all electric. It guzzles electric. I'm going to ring them tomorrow and get this meter out

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allthingsfluffy · 13/01/2014 01:13

I too would like to know where the free furniture and appliances are from.

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SPsMrLoverManSHABBA · 13/01/2014 01:14

Gold Seriously, check it. Its BG for you. Robbing shites.

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TheBigJessie · 13/01/2014 01:14

No transport costs? Wot SP said. Do you live in some idyll, next to aldi, the doctor's surgery, your yoga place and local swimming baths, or something?

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CrazyHneedsSleep · 13/01/2014 01:15

If I was you SP I'd get somebody out to check somebody ain't tapping in to your meter like the druggies next door as £4 seems an awful lot for a quick wash
Plus BG are a rip off

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goldfacegreen · 13/01/2014 01:15

Crazy I don't have your experience as a prolific drug user or alcoholic no, but I have lived in a few towns in different parts of the country and they have all had charity furniture recycling projects with free handouts, yes.

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SPsMrLoverManSHABBA · 13/01/2014 01:16

The storage heaters used to take £5 a time off and then only work between 9pm onwards. Pointless. Warm while in bed frozen when awake.

I'm on a mission tomorrow

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DavidHarewoodsFloozy · 13/01/2014 01:17

What with food banks an all, free furniture etc it's about time to scrap benefits.

ODFOD

are you Katie Hopkins?

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goldfacegreen · 13/01/2014 01:17

BigJessie Yes! Grin exactly that!

Vworp No, as already stated, housing benefit doesn't eve go into my bank account, it's paid direct to the landlord. Ibleieve that's the norm nowadays.

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CrazyHneedsSleep · 13/01/2014 01:18

gold well I can think of a few towns/cities that don't give away furniture as that's ridiculous , no charity organization could afford to do that as how would they keep running .

The closest thing we have to that is Refurb where you have to get reffered from your local council and all they have are Sofas older than my Nan for £80 !!

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allthingsfluffy · 13/01/2014 01:19

And this free childcare thing? I assume you are referring to the free 15 hours available to 2 year olds if their parent is getting IS? Yes?

Its hardly free childcare ffs. Its to benefit the child by offering it a place to socialise. As people on benefits are statistically more likely to be isolated from their community, due to lack of money.

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Sparklysilversequins · 13/01/2014 01:20

Your OP is pretty all BS.

Bore off.

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jacks365 · 13/01/2014 01:20

Whats this about free childcare I didn't get that when I had to claim.

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VworpVworp · 13/01/2014 01:20

You may not receive the money, but you certainly get the benefit of HB- how do you think your rent is paid?

YABU- you may be able to manage, but others may not. It all depends greatly on where one lives...

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CrazyHneedsSleep · 13/01/2014 01:21

gold I never said i were a prolific drug user or Alcoholic Hmm
My experience is from volunteering and living next to some not so nice furniture .
I have also lived in quite a few cities/towns and know none of them have done any of what your saying .

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SPsMrLoverManSHABBA · 13/01/2014 01:21

Well lucky you living next to everything you need.

To go to town and back it costs £5. To go to the closest supermarket its £4.20, same for doctors, dentist etc

I can save by buying a day rider for £3.90 though.

I remember when they were £1

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SinisterBuggyMonth · 13/01/2014 01:22

This reply has been deleted

Message withdrawn at poster's request.

goldfacegreen · 13/01/2014 01:22

No, David' god forbid I'm not Katie Hopkins. I'm the stereotype the Katie machine enjoys taunting, which is why I'm prepared to divulge full finances,as I've not seen anyone do this before on threads. There's been allusion to income,but not full disclosure.

I think it is possible to live on £780 month benefits as a lone parent. Amd I have done this in an urban environment, a village and on top of a moor in the middle of nowhere.

I'm curious to learn why other people in my position struggle even more than I do, when my fault is mainly budgeting.

This isn't an MN bunfight by the way.

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VworpVworp · 13/01/2014 01:23

Last time we moved, we gave out washing machine to the furniture/appliance project, but people who are on benefits still have to pay for those items (given freely), a nominal amount given the cost of an appliance, even 2nd hand, but still, they are not free.

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goldfacegreen · 13/01/2014 01:23

sparklysiverseqhons

It's all entirely accurate and honest. There's no BS whatsoever. Tesco are my entire financial statements.

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CrazyHneedsSleep · 13/01/2014 01:24

*not so nice people not furniture Blush

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allthingsfluffy · 13/01/2014 01:24

No, as already stated, housing benefit doesn't eve go into my bank account, it's paid direct to the landlord.

Let's not get bogged down in semantics here. It might not go through your bank account, but it is still money paid on your behalf so that you don't have to find it elsewhere.

Where I live that works out at £440 pcm for 2 bed LHA rate.

That's a lot of money. And you are still struggling. Time to admit that figures on paper mean jack shit to every day life?

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