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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

That a single parent having her salary topped up to over £6k shows how unaffordable family life now is

381 replies

Tryingtryingandtrying · 26/11/2025 23:37

I was reading about a woman, take home pay if £2800 and topped up by UC to over 6k. This must be £100k or thereabouts equivalent before tax. How can this be fair when earning that much actually loses you child benefit and free childcare? As she has 3 kids she will now be even more better off, not sure what the answer is though.

OP posts:
Whiskeyandkittens · 26/11/2025 23:41

Where were you reading about this? Doesn't sound plausible to me.

ScholesPanda · 26/11/2025 23:43

Where did you read this?

Yesimmoaningaboutbenefits · 26/11/2025 23:46

Of course that happened 🙄

PleaseDontFingerMyPouffe · 26/11/2025 23:51

This all sounds so plausible when I, an adult with no children, receive £200 more than my rent out of which I must cover transport, groceries, household supplies, insurance, minimal phone bill (for an ancient phone), dentist appointments and other necessities.

elliejjtiny · 26/11/2025 23:56

I don't know the exact figures but if this is true, this lady must either have multiple severely disabled children, and when i say multiple I am talking at least 10. Or most of that money is going on rent. Or a mix of both.

thewintergarden · 27/11/2025 00:06

Are you able to link?

GeorgeEdwardsMum · 27/11/2025 00:11

Absolute bullshit, unless she has multiple disabled DC. Care to provide proof? My 3DC are all adult (raised without the benefit system), so no, this doesn't apply to me, before anyone thinks I'm biased.
MN has been absolutely vile to some of the most vulnerable in society in the last twenty four hours, and anyone with a funtioning brain cell knows what that tells you...

Mummysof · 27/11/2025 00:13

Tryingtryingandtrying · 26/11/2025 23:37

I was reading about a woman, take home pay if £2800 and topped up by UC to over 6k. This must be £100k or thereabouts equivalent before tax. How can this be fair when earning that much actually loses you child benefit and free childcare? As she has 3 kids she will now be even more better off, not sure what the answer is though.

She’d loose £1,313 from her benefits for her take home pay.

but it doesn’t sound plausible she would have to have disability on their for several children etc. or her local housing allowance and rent are high so they pay that. It sounds bizzare to me

ghostiewhisp · 27/11/2025 00:17

For anyone who doesn’t want to click

In a good month when UC gives full entitlement, Thea has a total of £6,142.00, from £2,800 in take-home pay and £3,342 in universal credit plus child benefit. Her monthly expenses such as childcare, rent, council tax, energy and food etc are usually around £6000.

DumpedByText · 27/11/2025 00:19

This can't be true, I take home £1793 a month. I used to get around £50 in UC as a single parent for one child and child benefit.

She's now 18 and just gone to uni, so I can't claim anymore.

There is no way one person would be getting that much!

StatisticallyChallenged · 27/11/2025 00:22

A few minutes on entitledto and I was able to replicate that - three kids, two in childcare, private rent, in Scotland (extra child payment here)

No disabilities input - which would change calcs.

Catsandcwtches · 27/11/2025 00:40

As a single mum I doubt she would be able to pay her rent and childcare on her wage alone in north London if it wasn’t topped up.

bridgetreilly · 27/11/2025 01:00

Hopefully that first couple can now afford some condoms.

Ghht · 27/11/2025 01:09

I was a single mum of 1 child earning approx £1450 per month (after deductions) working 40hrs a week for the emergency services. I received £40 a month in UC!! This was 2 years ago!!

CuriousClaimant · 27/11/2025 01:17

The parents having lots of kids, who are out of work and in poverty have bad mental health and their kids will be effected by being raised like that.
I used to get angry at posts like this but now I see it that these kids might have a bit of a chance of a better future if their mothers in a better financial situation?
I don’t like that I will be paying income taxes to pay for parents to not take responsibility for themselves and it does make me angry seeing them pay for stuff working people can barely afford but I can also see it more objectively too.

ThePolarEspresso · 27/11/2025 01:19

Years ago a tax credit letter (when we had a Tory government) for a neighbour came through my door and I didn't look at who it was addressed to. When I read it my jaw hit the floor, I didn't know that migrants could claim in work benefits at the time and how much they got.

I don't understand how Labour could claim what they did in the manifesto about working people and the Budget be OK.

Booboobagins · 27/11/2025 01:23

I read that too @Tryingtryingandtrying

The newspaper spoke to a few people about the budget and the single mum shared how much she gets as a top up. It is unbelievable when minimum wage is still less than£13 an hour...
www.mirror.co.uk/news/politics/skint-pregnant-mum-four-budget-36309267

RedTagAlan · 27/11/2025 01:24

How do you get 100k before tax from 6k/month?

Stillpoor · 27/11/2025 01:33

I dont care how many kids anyone has i dont have to look after them.
And with this have more kids get more money says more about the parents.

The change will stick around for a while then it will change again and leave a lot in povety, when the cuts come again and relise the mouths they have to feed will be to late.

Is there any parents out there that can say i pay for my child or children without any benefits help.
(Not even child benefit because thats still a benefit).

Monty27 · 27/11/2025 01:35

Tryingtryingandtrying · 26/11/2025 23:37

I was reading about a woman, take home pay if £2800 and topped up by UC to over 6k. This must be £100k or thereabouts equivalent before tax. How can this be fair when earning that much actually loses you child benefit and free childcare? As she has 3 kids she will now be even more better off, not sure what the answer is though.

I don't know your source @Tryingtryingandtrying but the maths are questionable. Or am I being naive.

Crazybigtoe · 27/11/2025 01:55

As someone said up thread it is possible to come up with these numbers.

Take home of £6142 per month is the equivalent of a salary of £113k before tax per year.

CharlieRight · 27/11/2025 02:13

Stillpoor · 27/11/2025 01:33

I dont care how many kids anyone has i dont have to look after them.
And with this have more kids get more money says more about the parents.

The change will stick around for a while then it will change again and leave a lot in povety, when the cuts come again and relise the mouths they have to feed will be to late.

Is there any parents out there that can say i pay for my child or children without any benefits help.
(Not even child benefit because thats still a benefit).

Me. I get nothing, not a bean.

Crazybigtoe · 27/11/2025 02:17

It's only fairly recently that I realised how much you can actually get on UC with multiple children.

You can play around with the calculator to work out how to optimise your take home.

What is the incentive to work?

Falraven · 27/11/2025 02:51

This reply has been deleted

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