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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:
DownstairsMixUp · 13/01/2014 21:06

Are you stalking SP secret? Are you sure you work? Or is your job following around SP's posts? Hmm

VampyreofTimeandMemory · 13/01/2014 21:06

I sort of hope anyone who thinks 'benefits scum' should never treat themselves find themselves in the position of being poor one day. We're on NMW and my idea of a luxury is probably very different to that of someone on a decent income. Also wonder how many of those benefits bashers claimed child benefit which was until recently available to every family with kids...

Revenger · 13/01/2014 21:08

secret I'm about to blow your tiny little mind. I work AND claim benefits. How's that then? Where do I fit into your hierarchy of scum?

FudgefaceMcZ · 13/01/2014 21:09

There are not free appliances available to people on benefits ffs. When I was on income support with young baby, my mother had to lend me money to buy a washing machine because the second hand one I had repaired over and over finally died, there was no help from anywhere or anyone else. Also lucky for you not to have transport costs for you or children, lots of people have to pay for their children's school transport and uniforms (there is no help for this any more, I am not sure if there ever was), transport for themselves to shops which are not tiny corner shops selling overpriced bread and ready meals only, and not everywhere has free clubs or subsidised kids activities, or free internet paid by someone else, so again it's pure luck you have that and it prevents your children being excluded or you going without food to make sure they aren't. You sound like an utter dick.

VampyreofTimeandMemory · 13/01/2014 21:09

As do I revenger and I will never take kindly to anyone who tells me I should never spend any of my hard-earned cash (and seriously, I've been working my arse off) on 'luxuries' now and again. In fact I'm getting my carpet cleaned next week. so fucking there.

Revenger · 13/01/2014 21:18

Was it secret who said you get all your childcare paid? Ha ha ha ha ha ha. You get 70% at most. When DD was in nursery my childcare was over £300 a week and that was cheap it being a council run nursery. And even then, HB was taking that money into account as income (although it's been pointed out they shouldn't have done this).

Don't worry secret. There's a 50% chance you'll end up divorced and then you can live the high life on benefits like we are.

TapirsCaperWithReindeers · 13/01/2014 21:20

Secrets is genuine?

Uh huh, pull the other one, it's got santas bells stuck to it.

JakeBullet · 13/01/2014 21:21

SecretSanta You DO know that the jobcentre can INSIST on someone having their haircut to make themselves presentable to employers dont you Confused ?

So if someone is a jobseeker.....they need to have that luxury of a haircut. Of course you dont need to go to Toni and Guy or (random overpriced salon). It is quite possible to get a mobile hairdressing service to cut hair. It might be "a luxury" but it doesnt have to be expensive.

We are lucky in this country to have this safety net, a bit less judging of others and a bit more " gosh I am lucky to earn enough not to need it" would not go amiss.

MeepMeepVrooooom · 13/01/2014 21:23

Me too Revenger

I wonder how she'll do this... She's a right little ray of sunshine isn't she?!

DownstairsMixUp · 13/01/2014 21:25

I defintely do not get all my childcare paid. Confused I use over the 15 hours because I am only allowed to use them up between 9 - 3 and I work after 3 twice a week so still have to pay that plus half term club. And the childcare element is 70% max as revenger says.

Whiskwarrior · 13/01/2014 21:26

I pay £5 for a haircut, but that is only because I live in a fairly cheap area now and there's this fantastic walk-in place that does basic haircuts for that price.

Where I lived before there was nowhere cheap. And my hair grows very quickly, is thick and quite bushy. I have to get it cut quite regularly or it just looks a state - and how would that look to prospective employers?

And you do want me to get a job, don't you?

VampyreofTimeandMemory · 13/01/2014 21:29

£5? talk about pushing the boat out, just use a kitchen knife!

JakeBullet · 13/01/2014 21:30

Originally child tax credits were not deemed "benefits", that is a recent invention,

Many people on lower wages claim them....and are now deemed to be "on benefits" when in fact what IS happening is the Government subsidising big businesses to pay shit wages. The cost of living is so high now that low paid workers HAVE to claim just to survive.

Two years ago I had a good salary and STILL got CB plus £45 a month in child tax credit (the minimum).

I bet people berating those who have to claim "benefits" did the same until the Govt made the changes.

MoominsYonisAreScary · 13/01/2014 21:32

I dont know anyone that charges less than £15 for a haircut and I used to be a hairdresser, unless you use a college and i bet they are getting on for that price now. And I worked at T&G for a while, think it was about a tenner when I was a junior

Life must have done areal number on you for you to begrudge someone a couple of quid a month for the treat of a haircut

VampyreofTimeandMemory · 13/01/2014 21:33

i would say a haircut is more a necessity than a luxury tbh.

SPsMrLoverManSHABBA · 13/01/2014 21:34

I saw in a hairdressers window it was £18 for shampoo and cut of £25 for shampoo, cut and blow dry.

Do people really walk out with wet hair?

Whiskwarrior · 13/01/2014 21:34

It's because she can't afford a haircut (apparently).

I imagine she looks like Captain Caveman by now, with hair down to her toes.

JakeBullet · 13/01/2014 21:34

Looked at some Govt stats today.....do you know that just 2.5% of benefits are jobseeker related?

Found that interesting as the Tory press had me thinking it was MUCH higher.

The rest goes on pensions, tax credits (you know. ...the ones which keep people IN work) and disability (for which you do not have to be out of work).

An awful lot of benefits are paid to low wage earners.....doing their bit and working hard.

JakeBullet · 13/01/2014 21:36

I refuse to believe that anyone cannot afford a haircut ever. A mobile hairdressing service charges me £8 every 8 weeks.

VampyreofTimeandMemory · 13/01/2014 21:36

An awful lot of benefits are paid to low wage earners.....doing their bit and working hard.

Exactly, not to mention paying tax.

Whiskwarrior · 13/01/2014 21:37

I've had a wet-cut. I didn't know they literally meant leave it wet! It was a freezing day too.

It's ok though, I was working then. I was allowed.

Do you know what? I even bought my son new school shoes and two new pairs of trousers on Friday. What a feckless bitch, eh? Throwing tax payers money down the drain like that. I should have just made trousers out of potato sacks and shoes from shoe boxes (old ones from a rubbish bin, obviously).

VampyreofTimeandMemory · 13/01/2014 21:38

bahahahah

DownstairsMixUp · 13/01/2014 21:38

Jake people won't read that, they'll prefer to go on the Daily Fail and froth at photos of a family of 8 claiming £100000000 in benefits or something every year and assume that's every person that claims benefits. People don't understand the tax credits system, some people are so ignorant they have never even heard of them. I wouldn't be able to survive without them as my wages are very low.

SPsMrLoverManSHABBA · 13/01/2014 21:38

Jake I have had my hair cut in 2 years as its like £15/20 which I just don't have. I have not seen mobile ones that cheap. Even a friends bf who is a hairdresser charges full price Sad

FanFuckingTastic · 13/01/2014 21:39

As a disabled person, I get £140 every fortnight on ESA and £80 a month DLA.

I have no home so no housing benefit, and I lost everything I had due to a stupid decision that led to me getting into an abusive relationship.

I do get a free bus pass and prescriptions, but that goes nowhere to covering the expenses of being disabled. I go without physical therapy as I can't afford it, although I am trying to persuade my new GP to give me an activity referral to allow me to swim so I can try to do something about my fitness levels.

I couldn't work for a company as my sickness records are awful, I get kidney infections roughly every two months for a few weeks at a time, and then have chronic fatigue to deal with afterwards. My mental health is at an all time low, suicide is not an option as I have protective factors, but I think I am fairly close to going to hospital unless I can keep treading water long enough to get a new home, sort out my finances, get the care in the community I need and generally find a way to get by.

Not everyone on benefits is swimming in dosh.

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