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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:
DizzyZebra · 15/01/2014 21:22

Triptrap Sorry, You know for a fact that "they" are all affording it easily? You have details of their incomings and outgoings? Behind every recent daily fail benefit bashing article ive read recently is a mountain of debt - payday loans, credit cards, things on finance.

Maybe while they have young kids theyre "doing well" on benefits. Ive already listed my financial position on benefits. Like i said while i have a todler and an 8 week old i have spare money at the end of the week which im using to make sensible purchases now in case we are stuck on them much longer.

Wouldnt be enough for a teen whos wanting to go out with their friends, has their own taste in clothes, wants their own gadgets and activities.

Revenger · 15/01/2014 21:30

I have a tv (not a flat screen - I bought it whilst working), a laptop (a gift from my dad about 4 years ago), a smartphone (a birthday gift from my mum last year), my DS has a laptop and an xbox (both gifts from my parents). But I'm in a whole heap of debt because I've never had the money outright to buy furniture or even clothes for my children. I always convinced myself I would pay it back when my situation improved. It has only ever gotten more difficult and then it becomes a cycle. I'm in the process of tackling my debt issues now which is why I'm still sleeping on the floor instead of putting a bed on credit. On the face of it though, I've got quite a few gadgets in my house to say I receive benefits.

TripTrapTripTrapOverTheBridge · 15/01/2014 21:41

Who said affording it easily?

TripTrapTripTrapOverTheBridge · 15/01/2014 21:44

It's not a case of 'easily' often it's on credit,so while affordable in their sense it's not ' easily affordable' in the normal sense.These families often then 'struggle' with the essentials in life.

takingthathometomomma · 15/01/2014 21:47

Circumstances are different for everyone. Well done for managing your money so well, but no one knows what anyone else's financial situations may be like.

SPsMrLoverManSHABBA · 15/01/2014 22:45

Thank you both for the good luck! I bloody need it!

I will refuse to move til they accept me. Grin

GarlicReturns · 15/01/2014 23:30

Good luck!

Misspixietrix · 16/01/2014 01:54

I don't even though where to start with this one. OP the DHF is a very limited amount set aside by the Government to help with genuine cases where the Claimants simply would not be able to meet the Shortfall. (For example a disabled person who can't move from an adapted home but has to pay the extra bedroom charge.) From your OP you can quite comfortably do so from the surplus money you have. So How the devil did you qualify? Hmm. I'm with sock on this one. You really should double check your DHF as the initiative is claimants are meant to reapply every 3 months. The 12 months one I suspect you are on about is the Council Tax Grant. HTH. I could go on but I'm not going to bite with this one. SP Good luck for your interview tomorrow.

Misspixietrix · 16/01/2014 01:54

Know. Not though. Bloody autocorrect!

teenmum3 · 16/01/2014 06:28

I think if someone is on benefits they should be paid in vouchers for food, electric/gas and the rest in money vouchers which should be accepted as cash everywhere.
It would help the honest people budget and stop the less honest, like the OP DH sponging off the Tax payer.

JakeBullet · 16/01/2014 07:07

I am on benefits teenmum, and thank you but NO I dont want to be paid in food vouchers etc.

I worked full time for 30 years and I am easily able to budget and shop around with money. I dont see why I should have the indignity of food vouchers which woukd identify me immediately as a benefit claimant.

Same with gas/electric, I pay my bills on time and shop around for the best deals.

AliceinWinterWonderland · 16/01/2014 07:19

Vouchers would be humiliating - talk about identifying those on benefits! Might as well hand them an "I'm a scrounger that can't budget" sign and force them to wear it. Hmm

And news flash! It WON'T stop anyone who is dishonest, as they will simply SELL the voucher and then use the cash anyway. In the meantime, the honest get humiliated by having to use vouchers.

There's also the concern that some places will not accept vouchers - which puts an additional onus on the recipient to have to FIND a place that will accept it - possibly meaning a bus trip, which they may not be able to afford. And it won't allow them to shop around for the cheapest rates for electric/gas and then... WHY the FUCK should the "rest" be "in money vouchers which should be accepted as cash everywhere" ??? Shock Seriously - you think that literally EVERY TIME they purchase anything, they should have to use a voucher?!?!?

Wow. Nothing like stigmatising people, right? And don't say "if they don't like it, they can get a job" because it's just not that simple. FFS I went into the Job Centre to find out information about various types of training for a job that I could maybe do around school runs and caring for my child with disabilities and even the advisor there said she couldn't figure out how I could fit employment into my already overpacked schedule of school runs, appointments, and caring duties.

JakeBullet · 16/01/2014 07:36

I also care for a child with autism (which is why I am currently not working). Food vouchers do nothing but stigmatise people.

And yes I would sell them immediately for cash ....no way would I put myself through the indignity of using them in shops, Why should I, I worked and contributed for 30 years.....when things get easier with my DS I will work again ane continue to contribute. By the time I finally retire I will have put in over 40 years of work.

For a few short years while I sort things out for DS I am claiming benefits. I cannot and will not feel guilty for doing that. More than anything though I don't want the whole world to know that this is what I am having to do.

jacks365 · 16/01/2014 08:28

So benefits should be paid in vouchers should they? Which benefits? All of them? So would that include pensions? Working tax credits? Child tax credits? Esa? Carers allowance? They are all benefits do you believe all those people deserve stigmatising?

Apart from anything else everyone's situation is different, some people have energy on prepayment meters some don't how does paying vouchers deal with that? What about if someone shopped on line because they couldn't get to a supermarket? How does that one work. Different people have different commitments, bills and credit entered into prior to going on benefits but vouchers would stop them being able to pay those debts.

Wallison · 16/01/2014 09:20

I don't see how a voucher system could be flexible enough to work. When you're on a low income or on benefits, you need to be able to buy things from charity shops, ebay, car boot sales etc and pick up bits and bobs as you go along. A voucher scheme would make that impossible.

JakeBullet · 16/01/2014 09:23

I buy lots of stuff from charity.,,.not least furniture. My sofa, bed, cooker and DS's bed are all secondhand.

DolomitesDonkey · 16/01/2014 09:45

Vouchers would be humiliating? Are you shitting me? Don't you use coupons in supermarkets or discount codes when shopping?

jacks365 · 16/01/2014 10:00

Vouchers would be humiliating for those using them because it's not about being a savvy shopper which using discount vouchers or codes is but saying we as a nation can't trust you to spend your money wisely so we will dictate what it goes on.

JakeBullet · 16/01/2014 10:12

Dolomites, do you have any clue what you are talking about?

There is a world of difference between a "money off" coupon and a food voucher which identifies the user immediately as a benefit claimant.

I am a benefit claimant. I don't want the whole world knowing that I have to claim benefits. It is crap enough having to claim them in the current "all benefit claimants are workshy scroungers" climate without having to produce a voucher which announces to all and sundry within the vicinity that I am having to do so.

I would sell them instantly for cash so that I could shop anonymously.

And due to my caring responsibilities I do some shopping online....how does a voucher work there?

JakeBullet · 16/01/2014 10:14

God some people are THICK!

I wish a plague of bad luck upon anyone who sneeringly thinks all benefit claimants "should get vouchers for food etc".

May they fall far from their ivory towers and end up in the situation of those they clearly despise. Maybe then they will understand....until then they need to stop making stupid comments.Hmm

DownstairsMixUp · 16/01/2014 10:15

Oh my god some people really disgust me. You want people on benefits to have to get special vouchers?! SERIOUSLY. There are like mini fucking hitlers about it's unreal.

IneedAsockamnesty · 16/01/2014 10:27

Now now people,it's very very bad manners to gang up on the less fortunate, even if its just basic decency and thought that is lacking.

DownstairsMixUp · 16/01/2014 10:32

I tell you what, all you people that have the view that benefit claimaints are lazy work shy scroungers and should have vouchers to declare to the world what they are Hmm I think YOU lot should never be allowed to use the benefit system, yknow, since we are all such scumbags? I expect you to all have plenty of money set aside incase anything happens. Wouldn't want you to be one of us scumbags eh.

YoucancallmeQueenBee · 16/01/2014 10:32

Reading this as a single mum of two (one of whom is autistic), it grates slightly.

I work full time, pay my own rent, pay my own bills blah, blah, blah. I don't take home much more than the OP after you factor in the rent she gets paid.

I scrape around for the pennies too. Nearly everything we have is 2nd hand, bought off ebay, from charity shops or outlet stores. I budget ferociously & know every penny that is spent & every one that is saved.

I've not really thought about it before, but the sense of entitlement some have on this thread does make me feel a bit huffy, and come over all "daily mail".

AliceinWinterWonderland · 16/01/2014 10:38

Sense of entitlement in what way? I don't think that it's unreasonable to argue that vouchers are not the way to go. It severely limits where a person can spend money - which means they are locked into certain shops and stores, not allowing them to budget better and make their money go further. Charity shops, second hand purchases like car boot sales, ebay - those are huge sources of bargain buys for many on a limited budget. But hey, I'll bet Bright House would take vouchers. Hmm