Meet the Other Phone. Protection built in.

Meet the Other Phone.
Protection built in.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

See all MNHQ comments on this thread

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:
SolidGoldBrass · 14/01/2014 09:43

The real problem, as others have said, is that wages are too low. Wages are being deliberately held down. Hence the artificially stirred-up benefit bashing - the ultimate aim of the current Government is to have a pool of workers who are so desperate they will take anything that's offered in the way of a job, and accept not just appallingly low wages but give up any workplace rights and shut up about any health and safety shortcuts their employers take.

The thing is, this is economically disastrous for nearly everyone. Forcing people to work for next to nothing in (for instance) poundshops is all very well but... if no one has the money to buy the cheap goods in the poundshop, then the poundshop will eventually go under. Because the company directors and the wealthy aristocrats don't shop in the poundshop. Whereas an increase in low wages puts more money into the economy. If people in unskilled/entry level jobs have enough money for treats then everyone is better off, because the butcher and baker and candlestick maker and all that sell more goods, make more money, can treat themselves more, so the florist and the wine merchant and the jeweller make more money, etc etc.

And what's so horrifying about the idea of someone who cannot take on employment because of either his/her own health or because s/he is looking after another family member who cannot be left, having enough money to enjoy life? People who care for family members at home are saving the state money.

if a small number of individuals are claiming a bit more than they should, really, SO FUCKING WHAT? It's nothing to the amount of money being stolen from the communal pot by tax-dodging corporations and hand-in-the-till MPs.

SPsMrLoverManSHABBA · 14/01/2014 09:44

Ling I applied before and they didn't want me so I have applied again somewhere else. I will keep going til someone gives in Grin

LinghamStyle · 14/01/2014 09:46

Well I

LinghamStyle · 14/01/2014 09:46

Oops

Sparklysilversequins · 14/01/2014 09:49

Great post SGB

LinghamStyle · 14/01/2014 09:53

Well I may know a man, who knows a woman, who knows a man ... who may be able to offer you Voluntary work. I honestly have no idea what the waiting list is like though. However when I worked there the Volunteers got excellent inductions, on the job training and were also included in staff training (both in house and external) A couple of Volunteers have since been employed in paid positions within the organisation.

It depends on exactly what you'd like to do though. It's not for everybody. And I don't want to completely out myself, so shall I PM you?

SPsMrLoverManSHABBA · 14/01/2014 09:55

Yes PM me please. Thank you

happytalk13 · 14/01/2014 10:00

SGB says it brilliantly.

ssd · 14/01/2014 10:36

yes well done SGB great post, now I'd like secretsofsanta to respond. (as if)

SPsMrLoverManSHABBA · 14/01/2014 10:45

I finally rang British Gas today and I am not happy at all.

jacks365 · 14/01/2014 10:52

You ok SP ? Anything we can help with?

goldfacegreen · 14/01/2014 10:57

SP Did you ask for the Fuel Direct team? Their number is gold dust and you have to persist.

OP posts:
SPsMrLoverManSHABBA · 14/01/2014 12:28

I have been repaying dents left from 2009! I moved in this house in 2011!

i have to prove I didn't move in til 2011 and debt will be cleared and can get meter pulled out but takes 14 days for this form to come!

No mention of if I will get money back I've been paying either.

IneedAsockamnesty · 14/01/2014 12:29

You can ask the dwp directly about fuel direct,and as its them rather than the fuel supplier who makes the decision it's often easier to go straight to them

jacks365 · 14/01/2014 12:51

SP what should happen is the old debt should be credited to your account leaving you with a credit balance once that is done you can request a refund of the credit on your account. It's an annoyingly slow process but if you get any messing around by bg make a complaint to ofgem and ask your mp to intercede on your behalf.

JakeBullet · 14/01/2014 12:56

Well based on this thread I am applying for the Warm Home Discount for the first time ever.....it's my biggest worry is the heating! I try my best to pay £100 a month in winter just because I fear a big bill. Last year I ended up in credit but prices have gone up since then.

IneedAsockamnesty · 14/01/2014 13:00

It may also be useful to do a price comparison as well as some of the smaller companies who don't offer the warm homes discount may be cheaper than the bigger ones even factoring in the discount

IneedAsockamnesty · 14/01/2014 13:03

And just in case anyone reading this starts feeling sick at the thought that there may be a discount.

It's not funded by tax it's from the energy companies profits they are only obliged to offer it to pensioners but some of them choose to offer it to a broader group of customers

TripTrapTripTrapOverTheBridge · 14/01/2014 13:12

Why the check would an unworking parent need to send their kids to breakfast and afterschool club/childcare?!?!?

JakeBullet · 14/01/2014 13:13

I am not expecting to get it tbh......I do qualify as DS is autistic.....and sometimes up half the night. It is nice to be able to put the heating on if it's a 2am wandering lol.

TripTrapTripTrapOverTheBridge · 14/01/2014 13:21

goldface how do you figure mobile broadband is cheaper?

I have mifi as a back up,if needed.It's 2.99 for up to 24 hours (500mb),£10 cor 1gb or £15 for 3gb.3gb will last a week,if lucky,if used as only means of broadband and using forums etc

IneedAsockamnesty · 14/01/2014 13:47

Jake whose your supplier?

RoseRedder · 14/01/2014 15:20

Re fuel direct I pay £12 a week for gas/electricity combined.

If they say no to begin with please keep going as it is help that some are entitled to www.gov.uk/bills-benefits

My understanding is you have had to have missed a bill and be debt with the fuel provider to qualify. This info came from the supplier so I'm not sure how accurate it is

AliceinWinterWonderland · 14/01/2014 15:26

TripTrap I send my DS1 to breakfast club every morning and afterschool club one day a week, and I don't work. But the breakfast club is because it's the only way I can get get both children to school on time, as they go to two different schools. And the afterschool club is simply because it's offered, it's an art club, and DS1 enjoys it - I pay for all of it, so it's not a huge deal.

AliceinWinterWonderland · 14/01/2014 15:29

And I pay childcare to pick up DS2 afterschool as they both (other than the 1 day DS1 has afterschool club) get out at the same time - again, at different schools.

Swipe left for the next trending thread