I've lurked on these boards long enough and really some of the comments on here baffle me entirely, so bear with me while I have a bit of a rant.
The majority of the benefits expenditure is paid out in pensions (around £82 Billion when you add in pension credits), the next highest is paid out in housing benefits the majority of which go into landlord pockets. Job seekers allowance is about 9th on the list and personal tax credits aren't even included in the figure (its on the HMRC budget instead about £29 bn a year)
Tax credits acting as a disincentive to work? No what actually happens is subsidises corporate profit. Let me illuminate: One worker on tax credits means that they can be paid a lower rate as the government picks up the deficit in their living costs. The firm pays lower employers NI contributions, and lower wages. If that worker was to go full time they would need a higher rate of pay in order to meet those living costs ( mainly as wages haven't risen at the same rate as rent in decades) the employer would therefore have higher costs and lower profits. Hiring a number of workers on TC to do a job can mean lower costs than one full time worker, hence tax credits subsidise corporate profits (as the corporations are biggest users of tax credits).
Cutting already meagre benefits does not encourage most of the folk on them back to work, it means most end up in even more dire straits. Some people do game the system yes, but more benefits go unclaimed every year than are lost in fraudulent claims, fraud by the way costs about 1.2 billion per year a mere drop in the ocean in comparison to tax avoidance and benefit fraud is far more punitively punished.
A real discussion about benefits means we need to discuss our entire fiscal policy. Should we stop subsidising corporations who under pay staff? Should we stop paying big grants out to firms for infrastructure they will benefit and profit from?
The biggest question for me is should we make business and people who benefit from the society we have pay for what they benefit from. The education, health, legal and judiciary systems, infrastructure the list is nearly endless but yet we don't chase these organisations that benefit most.
The Conservative's are operating a divide and rule system. They want you to look at the benefits the poor get and demand them cut, yet not look at the benefits the wealthy or corporate elites get. They want to cut your services and sell them to big business who will make profits out of infrastructure that was paid for by us the tax payer, and also then have it paid for on a day to day basis by us. They will not improve schools, hospitals, care for the elderly, it will get worse.
If you are anything less than a multi-millonaire they are not acting in your interests. Its misdirection, look at what the poor get, while the elite make off with the loot.
Essentially, if you are anything less than a multi millionaire and you vote tory, you are a moron.