Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

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:
DavidHarewoodsFloozy · 13/01/2014 02:20

Grin I thought Journos would at least get the back story straight.

Even at 2 in the morning on MN, there will be someone who,s lived in that town,village, knows that school etc...

I still don,t get your point. Were you hoping people would come and share their lavish benefit spending?

If you think you have too much.Give it back. Give it to. charity.

YoureBeingASillyBilly · 13/01/2014 02:20

Oops! See now it was a joke Grin

GarlicReturns · 13/01/2014 02:20

I was grateful to get a social fund grant for basic furnishings and my second-hand appliances when I moved in here. There is no longer any social fund. I was also grateful to get a government grant for central heating, as I was on DLA, and bloody lucky I got the application in on time because I've been refused DLA & PIP ever since. I got a discretionary social fund loan when I accrued rent arrears; the loans have also now been stopped. Bus passes have been stopped. I've applied each year for the government-backed heating allowance, but been turned down for no particular reason (it's up to the energy companies to allocate payments.) Even finding out about these things is a full-time job, let alone learning the absolutely correct box-ticking procedures required to get them!

Obviously I'm all up for helpful information sharing, but wittering on about how well looked after you are - when, it seems, you aren't doing all that well, and your information is faulty - tends to give the overall effect of a sideways benefit bashing thread.

Which reminds me, where do I apply for a goat? Wink

Monty27 · 13/01/2014 02:21

I don't understand your reference to my post Confused

Revenger · 13/01/2014 02:21

Not here moomins unless the child has a statement or the parents are having additional difficulties etc. Funding starts at three fit the vast majority of children.

SPsMrLoverManSHABBA · 13/01/2014 02:22

I'm shit at jokes. The 'Tude has woken and is upset about nursery so I am bowing out now. I'm a little.depressed now in all honesty

goldfacegreen · 13/01/2014 02:22

Revenger I'm not entirely sure of the reason for the thread, really. Up late, toothache, full financial disclosure to get some views on similar situations.

That's it.

CoutnyMow I have a 32" telly too. What's the point of tele size? I don't get you.

OP posts:
IneedAsockamnesty · 13/01/2014 02:22

I would rather not disclose the county.

By referrer I mean people that are on a list who they are able to accept referrals from so professionals who are working directly with vulnerable people.(it could either be an entire agency named or a single person from an organisation I have been a named referrer since about 93)
The first couple of years it was just a delivery charge and the electrical test but has not been for ages.

If you got it totally free then it indicates rather more about your personal circumstances than you may wish to be talking about on a public forum.

YoureBeingASillyBilly · 13/01/2014 02:22

Garlic try gumtree for the goat- ive heard some benefit scroungers dont even use theirs and are selling them cheap. On the QT mind Wink

CouthyMow · 13/01/2014 02:22

Maybe you DO find it easy to live on that amount. Not everybody will. If they had credit card debts, phone contracts etc, they wouldn't. And YOU obviously haven't found it that easy, as you seem to have an overdraft. Which you could easily pay off, yet you say you are using it every month. So you ARE living outside your means.

I haven't been in my overdraft for 4 years now. And the only reason I was then was a six month fuck up by TC's (whereby they didn't PAY me for 6 months, at all) that my MP had to sort out. The back pay paid off my overdraft, loans, and money that I had owed out though.

SPsMrLoverManSHABBA · 13/01/2014 02:23

Revenger My mum.got 15 free hours for brother when he turned 2. She works. Probably due to other issues though but it happened

GarlicReturns · 13/01/2014 02:23

Couthy, I can't believe you're not getting DLA/PIP Shock Are you in appeal?

goldfacegreen · 13/01/2014 02:23

Garlic which of my very honest disclosure is 'faulty'?

No Revenger I'm not a journalist.

OP posts:
Revenger · 13/01/2014 02:24

Oh come on op. Sure you know the reason you started this.

Todmorden isn't overrun with goats from what I've seen.

GarlicReturns · 13/01/2014 02:24

Good advice, Billy, thanks! Grin

CouthyMow · 13/01/2014 02:25

The Telly size thing (and the goats) is a bit of an 'in' joke, sorry!

goldfacegreen · 13/01/2014 02:26

sockpixie Not really, I believe I've already declared a backstory. The opening post is very honest. I haven't come across a full benefits financial disclosure before on a thread, so I'm curious to see how it's received and what views it inspires.

OP posts:
Revenger · 13/01/2014 02:27

SP, I was countering the op's assertion that every child at age two qualifies for 15 hours funding by virtue of the fact they're on benefits. Certainly isn't the case here. There are usually other issues going on and they have to be referred. It's not simply about being on benefits.

SPsMrLoverManSHABBA · 13/01/2014 02:28

Why would people disclose it? It has fuck all to do with others and wouldn't change the situation. I'm fact it would end up worse as people would feel like they needed to tell the disclosee what they are doing wrong etc

goldfacegreen · 13/01/2014 02:28

Sorry CouthyMow. I've been on MN for years but tend to avoid AIBU and the other notoriously waspy boards, so some 'in' jokes will have gone over my head, in much the same way bunfights, trollcalling, 'you're a journo' and 'you're Katie Hopkins' do Grin

OP posts:
Revenger · 13/01/2014 02:28

You'd be better off on Money Saving Expert then op. You can provide a full SOA and they will advise you on how to get out of your overdraft.

DavidHarewoodsFloozy · 13/01/2014 02:29

A side ways bashment.Grin ! Love it Garlic

CouthyMow · 13/01/2014 02:29

I would be in appeal, but I've had to wait since October for my tribunal date. Which I still haven't had yet. Couldn't get help with my renewal, as the charity that helped me last time only operates in the North of our town, and I'm now in the South.

CAB couldn't offer me an appointment with a dedicated benefits advisor, and as I can't get to the drop in for 9am, in fact not till 10am, I couldn't physically wait to see someone as I'm too ill now, bed bound 80% of the time (long story...)

So I had no help, and couldn't answer half the questions 'appropriately" because everyone with epilepsy knows how long their seizures last for, or how many absence seizures they have in a day, don't they? Especially when I no longer qualify for ANY support from SS as my conditions are 'variable'

Wish my quality of life was 'variable'. Might have some good days then...

goldfacegreen · 13/01/2014 02:30

SP Yes, I genuinely welcome any advice and/or views on my situation.

OP posts:
jacks365 · 13/01/2014 02:30

I've not noticed many goats in Todmorden either. Todmorden station is the reason I invariably used a sling when dd was younger.

Swipe left for the next trending thread