Page 7 | To think 1200 is a quite a lot in a bank account for someone on benefits

Happiestyearofmylife · 2021-08-30T10:50:31+00:00

Not a benefits bashing thread. Dd is currently unable to work. She gives me £400 a month. She currently has 1200 in her account and feels like she isn’t saving enough. I’m trying to re assure her that when you have limited money that’s quite a bit.

Seesawmummadaw · 30/08/2021 16:14

She’s doing well.

thesunwillout · 30/08/2021 16:17

Are you claiming carers allowance on top of this as you say you only have a part time job?

itsgettingwierd · 30/08/2021 16:20

@RussianSpy101

I have a disabled son and don’t get any benefits. I’ve never heard of being entitled to tax credits just because your child has a disability? My son gets DLA which I put in a savings account for him, for if he is able to living independently in the future. We pay for independent speech therapy for him as the NHS SALT only sees him once a term. I can’t imagine ever taking money from my son, who will probably never be able to work. It isn’t his fault he is disabled and that will limit his choices in life with regards employment and independent living. He is my son and I will continue to provide everything he needs for as long as he needs it.

Are you a LP who is limited to the hours they can work - if they can work at all?

It's lovely to be able to judge others using their child's DLA to raise them when you are in a position to fund private therapy from a wage.

A disproportionate number of families living in poverty in the uk have disabled members.

Babyroobs · 30/08/2021 16:29

@RussianSpy101

I have a disabled son and don’t get any benefits. I’ve never heard of being entitled to tax credits just because your child has a disability? My son gets DLA which I put in a savings account for him, for if he is able to living independently in the future. We pay for independent speech therapy for him as the NHS SALT only sees him once a term. I can’t imagine ever taking money from my son, who will probably never be able to work. It isn’t his fault he is disabled and that will limit his choices in life with regards employment and independent living. He is my son and I will continue to provide everything he needs for as long as he needs it.

Are you aware that building up savings for him will potentially rule him out of claiming any means tested benefits when he is older ? So when he leaves education, if he has more than 16k ( easily built up from DLA if on higher rates) in his name he would not be able to claim means tested benefits like Universal credit ?

RussianSpy101 · 30/08/2021 16:35

I don’t work, I’m a SAHM due to his care needs. He is only 3 so not yet at school and goes to nursery twice a week.

NeverDropYourMooncup · 30/08/2021 16:37

@Happiestyearofmylife

Because our rent is expensive and wouldn’t need that size house. If I didn’t have adults living with me.

Just how much is the full rent, then?

helentomelon · 30/08/2021 16:50

@RussianSpy101

I don’t work, I’m a SAHM due to his care needs. He is only 3 so not yet at school and goes to nursery twice a week.

You'll need money off him when he's out of education and you lose your benefits then. Unless you're working by that point.

Unless you can support both of you on £330 a month

RussianSpy101 · 30/08/2021 16:52

@helentomelon like I said previously, I don’t get a single benefit. Not even entitled to child benefit. I don’t claim carers allowance as I don’t see myself as his carer, I’m his mum. Of course I care for him and I don’t need paying for that.
I never said I was a single mum.
My son will never have to contribute to living in his home, nor will either of my other 2 children.
What is £330 a month?

pinkyredrose · 30/08/2021 16:56

How did you end up in the accommodation you're in, were you both in work when you found the house?

helentomelon · 30/08/2021 16:59

Ah okay so you have a partner who pays for you to have the attitude that you have about not asking your disabled son, or any of your children for keep.

That's lovely. But also totally irrelevant when the OP has said she needs the contribution and many of us do.

You're in a very privileged position to be able to do that. I'll admit I'm envious. I wish I could do that for mine but for people on benefits, once your child leaves education you only receive £330 a month (and are expected to look for work) and so need to ask any adult in the house to contribute.

Booknooks · 30/08/2021 17:56

[quote RussianSpy101]@helentomelon like I said previously, I don’t get a single benefit. Not even entitled to child benefit. I don’t claim carers allowance as I don’t see myself as his carer, I’m his mum. Of course I care for him and I don’t need paying for that.
I never said I was a single mum.
My son will never have to contribute to living in his home, nor will either of my other 2 children.
What is £330 a month?[/quote]
Your comment about carers allowance is grim, and your privilege is showing. I don't know how its out of the realm of some peoples imagination that they require money off of their adult children to pay the bills.

IndiaMay · 30/08/2021 18:07

I paid rent to my parents when I would come home from uni in the holidays because I had a job and student loan and they no longer got child benefit. I also paid rent when I came home after uni and was saving for a deposit (which I did by the age of 25 and live in the south east so clearly paying parents rent did me no harm).

Dont see how people on here thing that adults can live somewhere rent free just because they're ill or related to the home owner. I couldn't afford to have a fully grown adult move in with me tomorrow! Another 2 showers a day, another bedroom light on all evening, another 3 meals a day plus snacks. If the OP cant afford it what do you suppose she does? Gets into debt just so her ill child can have more money on the bank?

DumplingsAndStew · 30/08/2021 18:21

@RussianSpy101

I don’t claim carers allowance as I don’t see myself as his carer, I’m his mum. Of course I care for him and I don’t need paying for that.

Well good for you I do claim Carers Allowance, and that doesn't make me any less of a mum than you.

RussianSpy101 · 30/08/2021 18:22

@DumplingsAndStew am i missing something? Where did I say it did?

helentomelon · 30/08/2021 18:33

It was heavily implied and I think you should know how comments like that feel to people who know their the disabled child's mum and don't want paying for it, but who have no choice.

You may not have meant it to come across like that but I'm sure you'd like to be made aware and don't want to upset people in future.

Crikeyalmighty · 30/08/2021 18:51

Unless you know the full score it’s wrong to say what OP is taking is disgusting. If anyone on here has private rented and needed to claim at any point— in many parts of the country HOusing benefit ‘allowed’ is nowhere near the actual cost- only works if you are lucky enough to have social housing or live in a cheapish part of the country and even then it doesn’t always cover it. Also depends what daughter receives- if she is getting say £900 a month then I think to be able to keep over 50% after all food, bills and rent is acceptable if the family aren’t comfortably off and keeping a slightly larger place to be able to accommodate the daughter.

itsgettingwierd · 30/08/2021 18:51

@RussianSpy101

I don’t work, I’m a SAHM due to his care needs. He is only 3 so not yet at school and goes to nursery twice a week.

So how are you funding the private therapy, paying the housing costs and bills?

Because either it's because you have a DP/DH who works and earns enough or you get benefits or you have family money that allows this.

But if you are living off benefits be aware once he hits 18 they stop. You've had 18 years out of work and not been able to build up a decent career. So if your a LP it causes problems.

takingmytimeonmyride · 30/08/2021 18:55

I'm a single parents on benefits. If I didn't use my 19 yo sons PIP and my Carers Allowance to pay the bills we'd be homeless.

I can't work because I can't leave my son alone, he can't make his own way to college on his own or go out on his own et. And there is no "childcare" for a disabled adult.

If I didn't use those things he'd be in the care of the local social services, along with my other children while I lived on the streets.

Round here £400pcm won't even get you a room in a shared house.

RussianSpy101 · 30/08/2021 18:56

@itsgettingwierd DH owns a large company, I have 3 family properties in my sole name which being in monthly rental income.

I stated many times previously, I do not claim any benefits.

RussianSpy101 · 30/08/2021 18:57

*bring

Ponoka7 · 30/08/2021 19:24

@RussianSpy101, you are speaking from a very privileged position. Most people have to work for a living. If they can't work because they are providing care to another adult, then they might have to take a contribution from that adult.

The OP is providing round the clock care, as well as a stable home. People who have MH issues are very vulnerable in the community. I've known people to have to stay in residential care because suitable, safe housing couldn't be found. Their homes were used as drug dens etc. Vulnerable women who live alone are at greater risk of being in an abusive relationship, or a victim of exploitation/rape etc. 'Care' doesn't just mean the practical stuff.
People still fall through the gaps on discharge. The OP is preventing that. She is providing continuity and is able to liaise with services and provide her DD with an advocate. £400 a month is a good deal. If you price all the bills, rent top up and furniture on credit. Without the care factor, it's a lot less.
I could imagine feeling like some on her do, when my DD was under 18. But caring and managing an adult is very different.
OP, I think that this is probably something else for your DD to get obsessive over. £1200 is a good amount. My DD, on PIP and working PT saves around £1000-£1500 a year.

RobinPenguins · 30/08/2021 19:29

The money she is given isnt to pay rent though. She would get that AND housing beenfit if she moved out

But she’d have to pay electric, gas, water, council tax, food, household goods, internet etc.

TravellingPancake · 30/08/2021 19:32

@RussianSpy101 you say you don’t even get child benefit, so if you’re a SAHM then your partner must earn at least 50k.

How dare you judge OP?!

HadEnoughofOtherThreads · 30/08/2021 19:45

@RussianSpy101
Don’t tell people your business; most people are jealous haters who clearly resent you having more money than them.

Tiana4 · 30/08/2021 19:45

@Hont1986

If she's on benefits then £400/m is probably over half her income (assuming she's getting UC and has been found not fit for work).

I know MN is generally pro adult kids paying rent but I think that's appalling.

It's not. I imagine that includes food and bills, of which is likely to be in excess of £300/ month. She's an adult and OP can't afford nor need the bigger house if her adult Dd wasn't living with her

If it is over half her benefits then good! That's about right as far more than 50% of my income ones on housing food and bills- in fact almost all of it does! So it's a good deal for OPs DD. Renting a room in a house share with no food and few bills included would be far more expensive to the DD.