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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:
GarlicReturns · 13/01/2014 02:30

We have disclosed before, goldface. Mine's boring, anyway - £71 a week ESA (appeal rate) plus HB which is £50 a month short of my rent, and CTC which is about £200 short a year. I get £10 taken off my benefit for the social loan, so have £61 a week to live on. If it weren't for other bits of income here & there, I'd be totally fucked. As it is, I'm only very nearly fucked. Have no life whatsoever, am dependent on the interwebs for social interaction!

CouthyMow · 13/01/2014 02:31

If I've not had an appeal date by March, I'm just going to cancel it and reapply, as it gets around the 6-month thing.

It will be PIP now even if I win an appeal, so it makes no difference either way. It's CRAP.

IneedAsockamnesty · 13/01/2014 02:31

So why link the help you have received to benefits when lots of it is because of your back story

CouthyMow · 13/01/2014 02:32

My advice? Don't become disabled. Best advice I can give!

Revenger · 13/01/2014 02:32

My view is that you're not being totally honest about why you've started this thread, you hoped it would descend into a benefits bashing bun fight, and you're not being totally transparent with your SOA. You're welcome Smile.

MoominsYonisAreScary · 13/01/2014 02:33

So why are the government funding it for some areas and not others?

IneedAwittierNickname · 13/01/2014 02:33

I fully disclosed my income about a year ago, twas when I was at college and therefore not entitled to claim jsa. IIRC most of the replies I had were shocked at how little I had to live on.

GarlicReturns · 13/01/2014 02:33

couthy, have PMed

jacks365 · 13/01/2014 02:34

The government provides the council with funding its up to the council how the spend it.

Revenger · 13/01/2014 02:34

moomins, perhaps it's a LA decision?

SPsMrLoverManSHABBA · 13/01/2014 02:36

Revengee I agree. It's like she expected people to question why it was so much and then others state they are rolling in it.

That's not the case. It depressing and not the life I wanted at all. I had it all planned out an then it all went to cock and this is where I am now. A single mum, on benefits searching for a job when I know I'm not hire-able so expect the declines when I apply for any job. Jeez even the charity shop didn't want me for voluntary work.

But that's ok as somewhere someone as no transport to pay, a library next door with Internet, shops next to that and loads of free shite

Revenger · 13/01/2014 02:38

Oh, and a bit more advice - make sure you never, ever get an overpayment of benefit. Of course you're relying on them to get it right first time. Also, never ever break anything that is expensive to replace and that you need to live. Make sure that the cost of living does not increase at all. And never ever get into debt, not even an overdraft... Oh, you have.

Monty27 · 13/01/2014 02:38

Indeed Ineed !

GarlicReturns · 13/01/2014 02:39

I know, SP, it's heartwarming to think that someone, somewhere, isn't having to struggle so much!

SPsMrLoverManSHABBA · 13/01/2014 02:41

it all went to cock Jesus, I am my mother

GarlicReturns · 13/01/2014 02:42

Hah, I stored that one up for future use! Thanks, SP!

goldfacegreen · 13/01/2014 02:44

Revenger

No, that's your opinion amd you are of course entitled to it. I'm a timeserved Mumsnetter - this isn't the right topic nor the right time of night or be posting a bunfight if that was my intent.

As I stated in the OP, there's some myth busting about lone parent benefits income.

Off to bed now anyway. Will check in again tomorrow.

OP posts:
Revenger · 13/01/2014 02:44

I'm on my phone SP so can't PM but I will message you I tomorrow. Might know of something that could help.

I'm seriously suspicious of the op's motives. Nobody chooses to be on benefits because it's fucking hard no matter what kind of spin lies you put on it.

Don't let it make you feel bad. Most benefits claimants are working anyway. I'm sure op will still be claiming HB when she starts her paper round. And if nothing else, you might have been able to cut your bills. I once lived in a really old stone house that had no gas. That was the most miserable existence. I left after 6 months because I couldn't bare it any longer and still left with a shed load of utilities arrears which I paid back slowly. No fun at all.

SPsMrLoverManSHABBA · 13/01/2014 02:46

Thank you revenger

It started off as her saying she gets paid shit loads so why do people struggle, the myth busting was her trying to prove benefits pay too much. That soon changed

goldfacegreen · 13/01/2014 02:46

Hmm. Revenger you still think I'm a journalist? Bizarre. I haven't chosen to be on benefits, it was a necessity at the time due to my circumstances.

OP posts:
goldfacegreen · 13/01/2014 02:47

SP yes, for my circumstances, they pay too much. My circumstances are fairly average I would say.

OP posts:
Revenger · 13/01/2014 02:51

I don't think you're a journalist. It wasn't me who said that.

I do however think you're full of it. And I know that because I live in the benefit claimants' utopia that you claim is Calderdale except nobody I know gets any of the free things you've mentioned.

I'm really glad for you that you have over £200 spare a month whilst on benefits. But you're being incredibly short sighted if you can't see why this thread is damaging when MN has more than its fair share of benefit bashing trolls.

IneedAsockamnesty · 13/01/2014 02:52

The furniture schemes are not funded by the gov, they are charities.

And it's not myth busting when you say you got these things because of benefits because you didn't.

You got them because of the social issue involved in the back story

GarlicReturns · 13/01/2014 02:53

My circumstances are fairly average I would say

You are joking? Average lone parents on benefits live in well-insulated homes with low bills, have little need for transport or communications due to highly convenient locations, get free household goods, still have an overdraft facility and have escaped destitution by sanction, thus enjoying enough spares for a bit of beauty maintenance?

I'm sorry you had to flee DV, and pleased you're doing so much better now, but REALLY!!! I'd give quite a bit for your circumstances, and so would millions of other people! You are not average, madam, you're privileged within your stratum.

jacks365 · 13/01/2014 02:53

Goldface we suspect your motives because you believe lone parents get things that they don't. It's like you've heard the rumours but not experienced it. Then a back story of dv got mentioned but then that means that some of your benefits are due to the dv and not because you are a lone parent. To tell you what it can be really like it took me about 2 months to sort out is when my relationship fell apart and for those 2 months I survived on only my cb so about £150 a month. That's the reality for most lone parents and it takes forever to recover from that.

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