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AIBU?

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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:
Sadoldbag · 13/01/2014 21:49

Yes don't for get the uniform grant , free dinner tickets and the discount on. Leisure pass most councils offer people on welfare, also the interest free loans not to mention free vet care you will receive from the RSPCA oh

jacks365 · 13/01/2014 21:50

I sometimes think some people can't understand how someone else lives. I know someone who is constantly pleading poverty but the dc attend private school, wear boden, go on at least 2 foreign holidays a year. Someone else always claims they have no money but when the washing machine broke she just bought a new one without a second thought. She also spends a lot of time abroad. Peoples perceptions of luxuries and essentials are different so you do get people claiming that they can't afford luxury items but then say buy a costa every day.

theywillgrowup · 13/01/2014 21:50

this thread got me thinking,so i googled my local college

for what i want
longish hair,highlighted and cut £50 Shock

it does look very swish though,im sure the very trendy salon down the road charges approx £65

not much differenece and the beauty treatments on the college website arent cheap either

most annoyed Smile

DizzyZebra · 13/01/2014 21:52

Santa I am proud of our benefits system. Too fucking right i am. Its one of the marks of a civilized society. Have you ever been to a country where no one gets any help at all from the government? Because i suggest you rag off to one of them for a bit.

Youd be back within a week.

DizzyZebra · 13/01/2014 21:53

Sadoldbag Since when do the RSPCA do free vet care?

MoominsYonisAreScary · 13/01/2014 21:53

Luckily I still talk to some of the people I work with so get good discounts. Cant remember the last time I had it cut though. Ds1S hair costs 10 quid aandits not even a style he has it as short as he can get it

Sparklysilversequins · 13/01/2014 21:54

It's Blue Cross actually not RSPCA and its not free, you pay for all medicines and make a contribution. They are an amazing charity.

FanFuckingTastic · 13/01/2014 21:55

Uniform grants depend on your area.

I think school dinner should be free (and nutritious) for all kids. Also I think swimming should be free for children, not just under fives. It's nearly five pounds a swim in our local council area, that's just ridiculous I think, of course you couldn't afford that on benefits, but the alternative is a direct debit and that ties you into a contract, which is never a great idea on a low income as things change quite suddenly sometimes.

Whiskwarrior · 13/01/2014 22:00

What interest free loans? The Social Fund is gone - cut by the current bunch of toffee-nosed twats who wouldn't know 'poverty' if they were kicked in the gonads by it.

There are no more loans or grants. When I first claimed and was broke, I asked if there was a loan facility (so I could back it back) and was told 'no, but there are food banks'.

That was it.

Friend of callmeDave are we Sadoldbag (appropriate name, btw)

JakeBullet · 13/01/2014 22:01

PDSA here in my part of the UK, again not free, you have to pay for all medicines but the vet consultation is a contribution.

My DS gets free school meals but being autistic will not have them. I make him a packed lunch but still claim for the FSM so that the school gets the pupil premium.

He doesnt get free uniforms....I believe that is a discretionary payment....not always awarded except in extreme circumstances. Certainly I am not expecting or qpplying for any "free uniform" when DS goes up to secondary school this year. I will pay for it woth contributions from his Dad.

DizzyZebra · 13/01/2014 22:01

Uniform grants? My brothers school changed their uniform. Uniform grant doesnt even cover the blazer. 65 quid a go for a fast growing teenager...

MoominsYonisAreScary · 13/01/2014 22:06

Bloody hell now the animals of those on benefits should be made to suffer too!

JakeBullet · 13/01/2014 22:06

My council dont offer any discounts to sporting sites for people on benefits either. Does anywhere do that anymore?

DizzyZebra · 13/01/2014 22:08

Ahh.Sadoldbag The PDSA are a charity. They are not government run. So thats irrelevant. People donating do so willingly, knowing what their money goes to.

They also will treat any animal in an emergency. I have taken dogs to them for emergency treatment because i couldnt get in contact with a vet. Wasnt my dog, wasnt on any benefits. They gave me treatment to keep the dog comfortable until we could get a vet.

MoominsYonisAreScary · 13/01/2014 22:08

The local gym near us offer a slight discount but its still 40 a month

HereIsMee · 13/01/2014 22:09

I was trying to follow this thread but I see it's gone a bit off topic. So anyway Im off to cut my own hair which I've done for the past 20 years. It's a bit hit and miss and yes it reaches my ass but I gotta watch the pennies. Oh and I also got myself some cheap highlights from Asda so wish me luck.

Anyone local who wants a hair cut for under a fiver can message me. It'll be dodgy because my scissors are rusty and to be honest my hands are not that steady but if it goes wrong I can give you a buzz cut.

And you know... After writing this I realise I'm only partly joking. sits on overgrown hair

MoominsYonisAreScary · 13/01/2014 22:12
Grin
JakeBullet · 13/01/2014 22:13

When I got my cat I was in work and earning £38k (oh how times have changed Grin ). I also took in a stray cat that was abandoned by people who moved and simply left her behind,

When money was less of an issue they went to a vet some miles away who I have good faith in. Now I have no option but to use the PDSA (they are fab btw). Thankfully apart from annual vaccinations (which I have to pay for) we haven't really needed their services I am glad to say.

So free vet care....hmmm....actually no.

JakeBullet · 13/01/2014 22:13

When I got my cat I was in work and earning £38k (oh how times have changed Grin ). I also took in a stray cat that was abandoned by people who moved and simply left her behind,

When money was less of an issue they went to a vet some miles away who I have good faith in. Now I have no option but to use the PDSA (they are fab btw). Thankfully apart from annual vaccinations (which I have to pay for) we haven't really needed their services I am glad to say.

So free vet care....hmmm....actually no.

CalamitouslyWrong · 13/01/2014 22:29

I notice that secret hasn't actually responded to the 'do you own your own house?' question, because clearly the answer is 'yes'. They've probably got a huge mortgage, which is why she's telling us how impoverished she is. It could be enormous rent, but she'd have mentioned that if it were (and moaned about others getting benefit for that).

I earn a little under the HRT threshold, gross. I pay for childcare and pension by salary sacrifice. What actually reaches my account pays the mortgage, bills, the remainder of my childcare expenses (which, are now just after school club for one child), my commuting costs, and food. Other (more interesting) expenses come out of DH's salary. We would have a decent standard of living (with sky tv and such like) on just my salary. We did have a decent standard of living on just my salary when it was £10k lower than it is now. Sure, we didn't have holidays but we ran a car, lived in a nice area, paid for after school club and could afford to eat out and not scrimp and scrape (in the SE).

Before that I lived off £1200 a month. I didn't actually realise that we'd have qualified for HB and FSM. I paid rent of £700pcm and for school dinners and generally had no money. It was hard. Lots of people have to survive on less.

There's a huge difference between having so little money that you panic about whether you'll be able to pay your bills and feeling hard done by because your husband's c. £45k salary (or more) doesn't give you the lifestyle you think it should.

CalamitouslyWrong · 13/01/2014 22:35

Note that the reason that so one on £45k+ might feel that there's little left after mortgage (possibly and commuting costs) would be that house prices/rent in the SE is just ludicrous. It's nothing to do with the 'generosity' of benefits.

The government would prefer that people just get angry at those on benefits rather than insisting that they do something about the house price issue.

theywillgrowup · 13/01/2014 22:39

well im on benefit and own my house outright

should i be made to sell because im on benefit (i can imagine the bashers would be happy to see me sell and live in a tent)

now thats one to froth over for some,but i really am passed caring ive heard the outrage before

CalamitouslyWrong · 13/01/2014 22:43

They could, of course, see it as a saving to the state since you don't need any help with housing costs. But they wouldn't.

jacks365 · 13/01/2014 22:45

It's not just the house prices. Wages are way too low, someone working full time should not require top up benefits to survive. Instead of tax payers being annoyed about money going into the pockets of those in need they should get angry that basically tax payers are subsidising the company directors etc.

theywillgrowup · 13/01/2014 22:46

yes thats what i said,mine could get £1,000 a month

funny its a few males that have made a comment about it