TwinsandTrifle but when you were on maximum benefits you had your full rent and council tax paid and presumably no debts from before you needed to claim. When I was on maximum benefits I still had to pay £250 pm rent and £80 council tax.
I had full rent yes. And my council tax was about £150 for the whole year, so essentially a tenner a month.
I can't understand how you had council tax of £80 a month. You were on no income and yet that was calculated as your monthly contribution? Sorry, that's incorrect. Which I say as I'm a qualified accountant, and frequently help people with benefits etc. Were you working? When I say I was on maximum benefits, I mean zero income. Sorry there may have been a little confusion between us there. If you were working, your benefits wouldn't cover (virtually) all of your council tax. I wouldn't call that circumstance, maximum benefits. For your council tax to have been £80p/m you had income of some kind.
I honestly can't remember what I got. It was tax credits. But it was over £200 a week. Plus my child benefit. And my two biggest bills were rent and council tax, and they were both eliminated. Let's say it was £225, tax credits and child benefit. That would average at £975 a month. Which sounds about right, I'm pretty sure it was just under £1k p/m from memory.
After gas, elec, water (capped because I was on benefits) car tax and insc, sky and food/groceries, I still had £300/400. £50 on DC needing shoes/clothes that month perhaps. I think I paid about £60 off a credit card too We lived pretty well. And from an accounting background means I know how to budget ...but I didn't. I didn't need too. This is why I get baffled at people who continually say they can't afford anything. Of course, a one off like the boiler blowing up, might cause problems for a few months. But it's those who say "I can't afford this, or that" all the time....and I think, yes you can, I know people's entitlements, I've even lived it myself, you just can't afford it as well as whatever you're spending it all on.
I just did a calc for me and 3DC if we were to bolt from DH and claim as of today. I'd get fsm, double milk/veg vouchers. £213p/m child benefit. Rent paid. £8.39 council tax p/m to pay. Then £1168 UC. So after rent and ctax, I've got £1,373 a month. After all bills and food, leaves me over £500. I think £500 after all bills and food, is quite a lot per month. And I can certainly afford to go camping. I can't understand where this £500 goes, every single month, for people to say they haven't got £10. It's quite the difference.
If I was working, they'd reduce part of my UC to account for this but I'd be better off every time. So the example I use above, is worst case scenario.