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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:
goldfacegreen · 13/01/2014 02:04

Revenger If there's no public transport otop of a moor, you get off your behind and walk. I did it when 8 months pregnant towing a toddler too. Not everyone drives or uses buses.

OP posts:
goldfacegreen · 13/01/2014 02:06

Monty Yes you're right I could work in one of those charity shops. I recently did some volunteering and am looking into charity shopwork.

OP posts:
Revenger · 13/01/2014 02:06

Which moor did you live on? Lots of hills round these parts. I'm just a bit incredulous that you think using library computer facilities is a solution to avoiding the cost of broadband.

CouthyMow · 13/01/2014 02:07

There are 3 year waits for bloody paper rounds here, far more teenagers than rounds - mostly 16yo's get offered the paper rounds. And you have to get the school's written permission before you are allowed to take a paper round. dD was refused as she has SN's and the school wanted her to concentrate on her schoolwork, not paid work. They won't let you even out your name on the waiting lists until you are 13.

Good luck with that one.

And DC's are usually ok with charity shop clothes right up until Y5, when they start getting ostracised and bullied for wearing the 'wrong' thing.

goldfacegreen · 13/01/2014 02:08

SP Yes I see that now. I suppose like me to begin with this help and information just wasnt readily accessible to the public. I suppose you have to be embedded fully in the system to research it or be referred, as I was. It's sad.

OP posts:
IneedAsockamnesty · 13/01/2014 02:08

Because one of the areas you mentioned has only ONE of the furniture schemes that covers the entire county.

And I'm a referrer for them.

DizzyZebra · 13/01/2014 02:09

Well it depends where you live doesn't it. I dont struggle here but i would elsewhere.

We currently claim benefits, where we live now makes working pay. OH should start a new job next week which will see us £60 a week better off. No transport costs as there is a free bus to work within walking distance.

Where we are originally from transport costs alone would have eaten up that £60 and more because the bus service is crap - I used to work a measley 8 miles from my house but it was 3 busses by two different bus companies and out of hours where theyd let you use day tickets would cost me £15 a day sometimes.

We are within walking distance of a town with good shopping, taxis are cheap so we're not having to struggle with getting shopping home once we've done it.

We have cheap internet and phone line, no sky etc because niether of us watch it anyway, wouldnt have it with allthe money in the world tbh.
DS1s nursery is walking distance.

My house is also very cheap energy wise. I havent even turned my gas on at all since i moved here in july. Its just not cold enough, i have no idea why, i think the nieghbours must have their heating on a lot, it gets incredibly hot in the evening in here, despite the back windows not being double glazed etc.

So noi dont struggle but i understand people do.

SPsMrLoverManSHABBA · 13/01/2014 02:09

Sock Fancy putting in a good word for me? Could.do with a microwave Wink

Grin
CouthyMow · 13/01/2014 02:10

Ooooh a whole year...try NINE fucking years, soon to be ten. Then tell me if the £30 a week it's costing you because the LA won't pay because you can't move your DC's to a school with no spaces (adult fares for those over 14 here, so DD is full adult fare, then DS1's bus fares too...) makes it as easy to budget as you are currently finding it.

And no, I can't work, multiple disabilities plus a Carer for DC's with disabilities too. No, I don't get DLA right now.

Does it make you feel superior, polishing your halo?!

Monty27 · 13/01/2014 02:11

Libraries in the moor with free internet facilities? Hmm How wonderful. dreams

IneedAsockamnesty · 13/01/2014 02:12

Small stuff like microwaves are cheaper to get in Argos.

CouthyMow · 13/01/2014 02:13

Not everyone CAN drive or walk...me and two of my DC's have disabilities affecting mobility, and myself and another of my DC's have epilepsy...

jacks365 · 13/01/2014 02:13

SP have a look on eBay at the currys clearance store you can get some fantastic bargains

YoureBeingASillyBilly · 13/01/2014 02:14

Yeah- lets all just drag our toddlers and SPD riddled bodies up and down moors for shits and giggles because OP did it so theres no reason why anyone else cant.

goldfacegreen · 13/01/2014 02:14

sockPixie which area? I mentioned 4. Bear in mind I also said I ha wnt lived in some of them for at least 6 years, things may have changed.

Also, what do you mean by ' a referrer'? My 'referrer' wasn't employed by the council, she worked for a charity and personally organised these things through her personal work contacts. It is all about who you know in that instance I suppose, luckily.

OP posts:
SPsMrLoverManSHABBA · 13/01/2014 02:15

It was a joke Blush

Trying to lift the depressive mood this threads put me in

MoominsYonisAreScary · 13/01/2014 02:15

When I was on income support about 9 years ago I lived in a house with storage heaters, it was the most miserable time of my fucking life. Couldnt afford the bastard things, only had them on in the dcs rooms and the gas fire in the livingroom. I had to cook dinner in my gloves and coat in the Winter it was that cold

CouthyMow · 13/01/2014 02:16

Maybe I should find an adapted property near you, as you still have a local library with seemingly unlimited internet access, free Childcare for those on IS, free breakfast and after school clubs, free furniture, affordable hobbies, free bus travel for children, teenagers who are happy to wear clothes from charity shops...have I forgotten anything?!

Oh yes, my goat...

goldfacegreen · 13/01/2014 02:16

Yes monty. Tod library has free Internet. You must know that, living must up the road..

OP posts:
Revenger · 13/01/2014 02:17

When were the buses ever free in Calderdale? The cost of public transport here is one of the things most complained about.

Leisure facilities are subsidised though. You usually get a whole £1 off a class that would cost £5.

2yr funding does exist for children who meet certain criteria (not just those whose parents are on benefits). However, the council are currently trying to remove subsidy from the LA run childcare settings which will then close. So even that won't exist soon. Never known it to be free for before and after school club but some schools operate a free breakfast club open to all children.

Are you going to tell us the real reason for your thread?

goldfacegreen · 13/01/2014 02:17

CouthyMow I assure you I also have my demons to bear. This is a judgement free thread.

OP posts:
YoureBeingASillyBilly · 13/01/2014 02:18

SP try gumtree for microwave or local buying/selling pages AND i have only discovered this weekend local free stuff pages! There are two local free stuff/giving it away pages where people are giving away cots, dinner sets, paving slabs, tumble driers. Worth a try.

CouthyMow · 13/01/2014 02:18

Shall I send back the flat screen TV that I bought when I was last employed too? It's around 5 years old now...and I don't look like a 'proper' benefit scum because it's not 47", it's only a 32"...

goldfacegreen · 13/01/2014 02:18

Buses aren't free anywhere, of you read upthread someone mistakenly thought I'd written that the apologised for their mistake.

OP posts:
MoominsYonisAreScary · 13/01/2014 02:19

Well you get 15 hours free childcare from 2 years old if you earn less than 16,200.