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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

What were benefits like in the 90s/2010s?

176 replies

Autumnflakes · 28/06/2024 15:19

I’ve name changed for this.

I came into some inheritance and I feel my mum believes she’s somewhat entitled to it for bringing me up on her own/she has nothing. There’s bit of a split in the family as some see my mum as poor old Susan, always had it hard, would be good for her to have a bit of luck. Where as DH said that she’s just lazy, expecting the world to fall at her feet, and since he’s said that I’ve been thinking…

I grew up in absolute poverty, hot water was only on just before sharing a bath (couple of times a week) or I’d boil the kettle for a wash. Our oven broke and wasn’t replaced for years, even before that, it was seen as a waste to have it on, even on Xmas. There were times I was genuinely hungry, I was definitely malnourished for a lot of those years. Sometimes my mum would have a ‘partner’ for a couple of years at a time and things would be slightly better. I remember 2008/2009 clearly as mum was single and we had nothing. I’d sell things on eBay that I had bought from charity shops so I could buy myself lunch at school. I’d quite often miss school as it was just too cold to get out of bed/being lethargic. I worked 20 hours a week from turning 16 and it all went on essentials for us both. When I went to uni everyone moaned how bad living conditions were but to me I thought it was amazing, at least we’d have the heating on when it was really cold and I had money to do a weekly shop!

My mum always said that she was only entitled to child benefit and Widows pension. That’s why we couldn’t have free school meals and because she had a mortgage we weren’t entitled to housing benefit. All of her benefits went on the mortgage which was around £300pm. She’d often say that we’d be better off in a council house but we were trapped where we was (even now I believe it was the right decision to stay in the house). Apparently she wasn’t entitled to income support and that’s what other support was based on.

Something just seems a bit fishy. Food banks weren’t introduced until the conservative government came into power. Surely mum would have bothered to apply for all the benefits she was entitled to? She has a lot of pride to the outside world, but surely she would have put that to the side to ensure that we weren’t living in that level of poverty. But, her ability to procrastinate from everything/find excuses why she couldn’t work/general laziness is something else.

She’s always hinting for money from us. Sometimes I do feel bad as I do remember that time and I wouldn’t have anyone live like that. She is better off now, she’s mortgage free and receiving her pension. She always talks as if she was a hero for getting us through that time. How hard she’s always had it but made it work. How much she had to sacrifice as a single mum and I should be thankful. Thankful and repay her for her struggles. It was the governments fault for not helping. She would occasionally have a part-time job, but they’d always be a reason why it wasn’t working out.

Looking at a fact sheet of benefits from 2008, the only non-means benefits she was entitled to was CB and WP at a total of £438. Minus the £300 for the mortgage, it sounds about right that we had £138 for the rest of the month she always had enough for cigarettes too.

If my inclination is right, that she didn’t even bother to apply for more benefits/pride stopped her from reaching out for help, I will have zero guilt for not paying for her to go on holiday. I do have little sympathy already because she should have stuck at a job but if she didn’t even bother with filling out some forms for benefits while I starved, I will call her out.

OP posts:
OneFrenchEgg · 28/06/2024 20:17

Single parent at the end of the 90s, I recall literally some weeks having a couple of pounds and desperately trying to buy something in the supermarket.had to rent a one bed flat and sleep with dc in same room. Friend bought me a sofa bed for the kitchen/diner/sitting room which was amazing.

TargetPractice11 · 28/06/2024 20:18

You were neglected. Imagine opting out of shifts while your child goes hungry. My god.

You don't owe her anything.

You've come through a traumatic childhood and should use that money for your own security and enjoyment.

PassingStranger · 28/06/2024 20:19

Interest paid on mortgage
Income Support
Child benefit
Free School.Meals

A single parent was allowed to earn 20.pounds a week, on top.it their benefit and keep it.

You could claim.until your child was 16
You then changed to JSA.

Autumnflakes · 28/06/2024 20:24

Thank you all.

I’m so sorry that so many others went through similar.

It seems that mum has been telling the truth (quite often she tells a different narrative that paints her in a better light). I knew at the time that things weren’t easy, or the odds were against her. She really could have got a job, as she did turn her nose up/found excuses, but as some have said upthread it wasn’t necessarily worth it. I think she was getting tax credits at some point as there was only certain hours she could work/had to work but then ‘couldn’t maintain’ a role suitable. There has been talk that she’s had to pay money back but it’s all very secretive.

I don’t want to go into too much detail as I have a very unique story. But what I will say is that mum knew what the future was when she decided to conceive me. It wasn’t that one minute everything was all good financially, and the next it wasn’t. She always knew she’d be a single parent. As some PP mentioned, she does suffer from her mental health.

I’m glad for this thread as I was thinking about confronting mum the next time she tells the tale of how she went without to raise me. As I previously thought, mentioning that I was hungry for a lot of that time won’t do anyone any good.

I’m usually at peace with it. I didn’t know much else, I’m resilient because of it, got a good work ethic and I’m happy with just having the basics, anymore is a bonus not an expectation for happiness.

OP posts:
sixnearlyseven · 28/06/2024 20:33

I remember when we first got tax credits, in about April 2003.There was a poster at my daughter's nursery, we didn't think we would be entitled. It was 38 pounds a week and really helped, we only had my student loans, my husband's PhD stripend and CB coming in. Maybe your mum looked into it but the widows pension was deducted making her ineligible?Have no idea if that was the case but it is now with UC.
When my daughter was first born I got 400 pounds a month income support and CB, 2001. I also had the rent covered on my council flat.

DrCoconut · 28/06/2024 20:53

I remember the 00's as a good time overall. I was a single mum, working part time and getting tax credits. I wasn't well off at all but we managed. I seem to remember you couldn't be forced to work until your youngest child was 16 but you were better off if you did. My own childhood in the 80s and early 90s was a different story. My mum was part of a campaign to allow widowed mums to claim free school dinners and clothing vouchers so clearly this was not something that happened. She got child benefit and widowed mothers benefit (that might not be its official name). I also remember hearing people talk about supplementary benefit? We didn't go without basics but money was very very tight and things most kids take for granted like sweets or ice creams were very much treats for special occasions. Clothes were hand me downs from friends.

autienotnaughty · 28/06/2024 21:00

My eldest was born in 2000 and we got tax credits but I think they were pretty new. We were lower earners probably around 10k each. I think we got around £600 a month tax credits, child benefits was £60 ish and 90% child care paid.

Luddite26 · 28/06/2024 21:55

Family credit started in 1988 as a low wage supplement for working families. Then the scheme expanded under New Labour. I remember very low wages until the NMW came in .

Did you have a dad OP ?why no child support?
I never got any child support of my ex despite the CSA saying he should pay £5 a week. I only quite recently received a letter saying they weren't going to pursue it and they were writing off! Great I waited 25 years to be told that.
Then other stories the CSA squeezed what they could out of those they could.

IDontHateRainbows · 28/06/2024 22:02

Dunno about benefits but there was no min wage, when I left school mid 90s I worked for less than £3 an hour. First job was £2.50/ hour. Not so bad for me as a stop gap before uni but older people were on the same, no age difference in pay rates.

So working may well not have been worth it with child care / travel etc factored in.

Anonymouseposter · 28/06/2024 22:58

Luddite26 · 28/06/2024 21:55

Family credit started in 1988 as a low wage supplement for working families. Then the scheme expanded under New Labour. I remember very low wages until the NMW came in .

Did you have a dad OP ?why no child support?
I never got any child support of my ex despite the CSA saying he should pay £5 a week. I only quite recently received a letter saying they weren't going to pursue it and they were writing off! Great I waited 25 years to be told that.
Then other stories the CSA squeezed what they could out of those they could.

Her mother was a widow, hence had the widowed mother's allowance rathr than income support, which may also have affected entitlement to free school meals etc. It does sound as if things were very difficult, although that doesn't mean that OP owes her financial support now,

JaceLancs · 28/06/2024 23:31

I was a single parent in the 90s and 00s and it was definitely worse before tax credits especially if you had a mortgage
Every penny you got in maintenance was taken off your benefits
I couldn’t work as was struggling with disabilities and long term health conditions
I made sure DC didn’t miss out but I got to near anorexic levels living on cup a soups and tea with no milk

converseandjeans · 28/06/2024 23:34

It sounds like she may have something like ADHD or anxiety which has made it difficult to juggle & deal with life.

I don't know where your inheritance has come from but I think maybe it would be a kind thing to do if you treated her a little?

I feel sorry for those of you who grew up in poverty. We weren't rich but had food & hot water & a pretty decent standard of living compared to what is being described here.

Luddite26 · 28/06/2024 23:45

Anonymouseposter · 28/06/2024 22:58

Her mother was a widow, hence had the widowed mother's allowance rathr than income support, which may also have affected entitlement to free school meals etc. It does sound as if things were very difficult, although that doesn't mean that OP owes her financial support now,

Yes I have RTFT.
I also asked was her mum a widow because OPs dad died ? OP hasn't said whether her dad died or why her mum was a young widow? Why didn't the mortgage get paid off? Was it suicide or a cancer? Why did the mum get plunged into poverty.
I feel OP was neglected and doesn't owe her mum but a bit more context as to OP's father's whereabouts would help. As he also left his DD to be brought up in poverty or did he. That's all I'm saying where's the father in this. Did he die making DM a widow or is he the person who has left op an inheritance if so why wasn't he contributing to her childhood. I was a child who grew up in poverty while my father drove around in Porsches and didn't pay a penny of support.
Benefits in the 90s and 00s very much featured the CSA. it crippled some fathers and left others alone.

EsmeSusanOgg · 28/06/2024 23:50

Tax Credits. Or income support if she was short of National Insurance contributions (though child benefit gives you NICs).

https://www.gov.uk/child-tax-credit

Child Tax Credit

Child Tax Credits if you're responsible for one child or more - how much you get, eligibility, claim tax credits

https://www.gov.uk/child-tax-credit

FTPM1980 · 28/06/2024 23:53

Living standards were a lot different.
We had an immersion heater in the 90s and only got a combi boiler for instant hot water around 2000....so it was common in the 90s at least to have 1 bath a week and the hot water only to go on for that.
I worked at the job centre in 97 just as labour came in...and it wasn't easy to get a job at that point. The Internet, and applying for anything online didn't exist until early 2000s really...plus you needed an expensivecomputer. No one had Internet on their phone early on. So if you thought you were entitled to benefits you had to go to jobcentre plus and go through all your finances etc.
There was very much a culture of people and families that knew how to get everything out of the system and had been on benefits for years and generations, vs people that would never claim anything because they didn't think it was for them. When labour came in a gradually reformed the system to boost low incomes it became more acceptable to be a lowish earner.

Thelnebriati · 29/06/2024 00:18

Even if it was hard back then (and it was) your Mum has a pension now and is mortgage free.
You didn't ask to be born, you don't have to pay her back for anything, so enjoy your inheritance.

dalemena · 29/06/2024 00:31

I became a single mum in 1999 and I was on income support, child benefit, housing benefit and council tax benefit. I wasn't well off but I could afford to pay my bills and buy food and clothes. I transferred to tax credits after a while (but just for the amount paid for my child in income support) but as I didn't work, I only got child tax credits and not working tax credits, and the amount was the same. I could afford to go on holidays although that was partly because it was easy to get credit in the early 00s and I used credit cards to supplement my living costs (often on 0% deals).

I would have been allowed to stay on income support without an obligation to look for work until my dc was 16, but they gradually reduced that age so that when he was 10 I would have been required to look for work. But then he was awarded DLA and I was awarded Carer's Allowance, so that meant I never needed to look for work.

I'm impressed that pp can quote the exact amounts they were paid - I definitely couldn't be sure of that for the benefits I got. I remember that my rent for my 2 bed council house was £45pw, and it was covered in full by housing benefit.

IWouldRatherBeOnHoliday · 29/06/2024 02:11

I'm really sorry you had such a tough time as a child.

I think it's worth reflecting, though, that regardless of the what's and whys of the situation- no child ever needs to be 'thankfully 'repay' their parents for their upbringing (good or bad). Your parents chose to have you and that meant being responsible for you until you reached adulthood, come what may. The responsibility was on them only, not on you.

HurrahWuff · 29/06/2024 08:31

I was a single parent in the late 90s. I lived in social housing and that was paid for with housing benefit. I also received council tax benefit so didn't pay that.
I received £78 a week income support & monthly child benefit. Also free school meals. HTH!

HurrahWuff · 29/06/2024 08:36

Actually, I'm not sure if it was £78 a fortnight as I seem to recall getting £37 a week at one stage.
*Ignore my replies, I'm perimenopausal and can't even remember what I did yesterday.
Sorry for disrupting!

ll09sm · 29/06/2024 08:46

OP, your mum is an entitled lazy slob who thinks the world owes her a living. Unfortunately this country has become a case study of dependency culture, which is why we have millions of people of not working but claiming benefits instead. She probably did claim everything but for entitled lazy slobs, no amount of other people’s money is ever enough.

Daffodildilys · 29/06/2024 10:44

Just wrap up a packet of cigarettes for her - it’s all she deserves. Honestly smoking cigarettes when your child is malnourished and hungry- some mother she is.
Your dinner money literally went up in smoke.

ChirpyBee · 29/06/2024 11:08

This reply has been deleted

This message has been withdrawn at the poster's request

What's the relevance of this? Back in my day I'd have been lucky for a potato...

I get it, you had it hard. Has absolutely no relevance to OPs situation and not sure why you felt as self important to bring it up?

BurntBroccoli · 29/06/2024 13:02

You could still claim tax credits with a mortgage.

There were 3 elements:
Nursery and childminder fees paid 70%
Working tax credit - you needed to work more than 16 hours a week
Child tax credit.

If you had maintenance from ex this was disregarded.

Also free prescriptions, opticians and dentists. Educational courses too.
Council tax 25% discount as a single person

BurntBroccoli · 29/06/2024 13:03

Oh and child benefit as well