Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

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:
LBFseBrom · 27/11/2025 08:03

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.

You obviously read the letter very thoroughly before realising it was not addressed to you.

Migrants are no different to anyone else, if they are living and working here they contribute and are therefore as entitled as the next person to any extras available while they need them.

They must have been on low salaries to be claiming 'in work' benefits.

Labraradabrador · 27/11/2025 08:03

NotSayingImBatman · 27/11/2025 07:51

£2800 take home is a £45k job, with a 5% pension deduction. Thea presumably has a fairly decent job, by the metrics of anywhere but MN. Imagine working hard to become a progressed social worker, an experienced teacher or a Band 7 nurse just to live crammed in a one bedroom flat with three children.

Imagine being on £100k and living the same while everyone tells you actually you are wealthy and so must be living beyond your means

Cucy · 27/11/2025 08:03

Crazybigtoe · 27/11/2025 07:54

It really isn't BS. Sadly.

Doesn't feel right does it?

The woman, 3 children living in London, is eligible for and receives into her household £6142 UC plus CB plus income.

To have £6142 in your pay packet after tax and NI, you would need a salary of £113k.

Edited

Where are you getting these figures from?

My friend is a single parent in London with 3 kids and her maximum allowance is about £2500 and then obviously as she earns this reduces.

RainbowBagels · 27/11/2025 08:04

Namechange822 · 27/11/2025 05:49

I am a single parent, two kids, comfortably off and don’t claim benefits.

Stories like this really wind me up. The mum in this scenario is there, working, supporting her kids. She’s earning £2800 a month, which pretty much covers her half of the costs of raising her kids, whilst also doing the lions share of parenting.

According to the figures they’ve published, the state are covering the other half. Why is the criticism levelled at the parent who stayed? And not the one who left? Why isn’t the dad supporting his own children?

This situation is so common, and maintenance is so poorly and irregularly paid, that it isn’t even counted for universal credit income. If the country wants to spend less on universal credit then the focus needs to be on criminalising the fathers who left and stop supporting their kids, and not on criticising the mothers who stayed.

I agree. No mention of the father. We should be prosecuting men who don't pay maintenance and coming down hard on them. Automatic salary sacrifice, removal of benefits, imprisonment, whatever.

EvangelicalAboutButteredToast · 27/11/2025 08:04

Christmascarrotjumper · 27/11/2025 07:52

Nobody made her have 3 kids in an expensive one bedroom flat. Most educated people are more sensible than that.

Exactly. Why are the tiny violin brigade so quick to start playing a tune when it’s benefit claimants. Bizarre.

StatisticallyChallenged · 27/11/2025 08:05

As many others have said it makes no sense withdrawing childcare at £100k income, whilst topping someone else up to a higher equivalent income to cover childcare. That's utterly insane. The 100k childcare cliff edge is stupid anyway but I've seen so many on here telling parents in this position that they're wealthy, they don't need the taxpayer to fund them, they can pay for their own children, and using pensions to drop under 100k makes them all kind of nasty bastards. Yet you can - evidenced by various calculators - end up with more income if you earn less.

That's a stupid distortion in the system which creates disincentives to earning more - which would ultimately benefit the taxpayer.

Bushmillsbabe · 27/11/2025 08:05

RedTagAlan · 27/11/2025 01:24

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

Very easily. DH and my post tax income is around 5.5k per month. Our joint salary is about 100k per year.
I don't mind the full time working top up claims so much, as long as it's both parebts working, not an absent Dad passing responsibility for funding his children to others. It's the first family who are unemployed , 4 children and 1 on the way which is really frustrating. We wanted a 3rd but decided we couldn't afford nursery fees for 2 at a time.

Bringemout · 27/11/2025 08:06

RainbowBagels · 27/11/2025 08:04

I agree. No mention of the father. We should be prosecuting men who don't pay maintenance and coming down hard on them. Automatic salary sacrifice, removal of benefits, imprisonment, whatever.

I think we should use the US system, you can have your driving license removed, your passport removed, prison etc etc if you don’t cough up for your own kids.

Crikeyalmighty · 27/11/2025 08:07

I suspect by the way that Thea in the article probably had a perfectly suitable home and partner at some point and it went wrong and hence the 1 bed flat with 3 kids - we read lots of posts on mumsnet about people need to LTB, get out etc and when they do then this kind of situation does happen, and will happen more and more particularly in south east with people in rented , no equity etc -

RainbowBagels · 27/11/2025 08:07

Bushmillsbabe · 27/11/2025 08:05

Very easily. DH and my post tax income is around 5.5k per month. Our joint salary is about 100k per year.
I don't mind the full time working top up claims so much, as long as it's both parebts working, not an absent Dad passing responsibility for funding his children to others. It's the first family who are unemployed , 4 children and 1 on the way which is really frustrating. We wanted a 3rd but decided we couldn't afford nursery fees for 2 at a time.

They have a gofund me page too! The Mirror is a Labour paper. Surely they must be trolling putting those two feckless idiots down as an example of how great this policy is?

StatisticallyChallenged · 27/11/2025 08:07

Cucy · 27/11/2025 08:03

Where are you getting these figures from?

My friend is a single parent in London with 3 kids and her maximum allowance is about £2500 and then obviously as she earns this reduces.

Use the turn2us or entitledto calculator and put in the circumstances described. It'll vary by postcode as the housing element is location specific but I was able to match it - close enough to validate anyway - very easily.

EasternStandard · 27/11/2025 08:08

EvangelicalAboutButteredToast · 27/11/2025 08:04

Exactly. Why are the tiny violin brigade so quick to start playing a tune when it’s benefit claimants. Bizarre.

It’s not surprising on here.

NotSayingImBatman · 27/11/2025 08:08

Labraradabrador · 27/11/2025 08:03

Imagine being on £100k and living the same while everyone tells you actually you are wealthy and so must be living beyond your means

And the person on £100k will immediately have £2600 more in disposable income when their children finish nursery and go to school. Thea gets a temporary uplift that allows her to work but she won’t see any long term benefit from this.

TeenagersAngst · 27/11/2025 08:10

Cucy · 27/11/2025 08:03

Where are you getting these figures from?

My friend is a single parent in London with 3 kids and her maximum allowance is about £2500 and then obviously as she earns this reduces.

It’s in the mirror article linked above. Have you read it?

InlandTaipan · 27/11/2025 08:11

LeadBubbles · 27/11/2025 08:02

But all the research shows that changes in the 2 child cap, child benefits and etc. do NOT have an impact on how many children people have. It just means more or less kids in poverty. And let's not forget, we're all only a few pay slips away from poverty. The day you lose your job, your partner passes away, you come into ill health, etc.etc. and you're screwed.

Well the truth is you're a lot less screwed if you only have one or two kids rather than more. I do agree with lifting the 2 child cap though, for the reasons you state.

monkeysox · 27/11/2025 08:11

hattie43 · 27/11/2025 06:55

I don’t begrudge her because she’s hardly living the life of Riley bringing up kids whilst living in a flat . I would however like to see more done to make dads pay more . Why do they get off so lightly in many cases .

Even if she gets maintenance it isn't taken into account.

Wowsersbrowsers · 27/11/2025 08:12

Wow, those are some interesting examples. I've been in the situation of paying for 3 children, 2 in childcare, and a home whilst my husband was temporarily unemployed so we couldn't give up the nursery place. I think I was earning about 80 or £90k and we had to use our savings to top up over £500 a month so we could pay bills and eat. We would have been a lot better off and less stressed on benefits. Thankfully we got through that period but it was really hard.

I'm glad single parents and their children are being supported because that's the right thing to do. I've think I'm also probably more right wing now for having that experience myself.

TiredCatLady · 27/11/2025 08:12

Crikeyalmighty · 27/11/2025 08:07

I suspect by the way that Thea in the article probably had a perfectly suitable home and partner at some point and it went wrong and hence the 1 bed flat with 3 kids - we read lots of posts on mumsnet about people need to LTB, get out etc and when they do then this kind of situation does happen, and will happen more and more particularly in south east with people in rented , no equity etc -

She’s been in the media for a number of years. Always a single mother but with an increasing number of DC. Ostensibly always in a 1 bed flat.

banananas1999 · 27/11/2025 08:12

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.

Thats not right, you dont get even half of that with 5+ kids and anything over uc cap earned on salary gets deducted.

cannotmakedecisions · 27/11/2025 08:12

Crikeyalmighty · 27/11/2025 08:07

I suspect by the way that Thea in the article probably had a perfectly suitable home and partner at some point and it went wrong and hence the 1 bed flat with 3 kids - we read lots of posts on mumsnet about people need to LTB, get out etc and when they do then this kind of situation does happen, and will happen more and more particularly in south east with people in rented , no equity etc -

I think you’re probably right.
To all those basing her on here, what shoukd she do?

Crazybigtoe · 27/11/2025 08:13

Cucy · 27/11/2025 08:00

You don’t think people earning £30k a year work their butts off??

I think you don’t live in the real world.

Less than 5% of people make over £100k a year and the majority of those people are men (usually single or have wives to do everything for them or come from wealthy backgrounds).

The average salary is £33k.

Just because someone is not in the top 5% of earners doesn’t mean they don’t work their butts off.

This woman works full time and raises 3 kids alone (I don’t believe she receives as much as OP says) but she is not the one you should be looking down your nose at.

I found it hard to believe it too. But chuck in the figures into 'entitled to' and it is absolutely possible.

One of the reasons some roles are paid more than others is level of responsibility. Not always granted. But I imagine it would be easier to find more jobs paying £45k that are 'easy' versus £100k jobs that are 'easy'.

AllTheChaos · 27/11/2025 08:13

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).

All the parents I know personally earn far too much to receive Child Benefit let alone any other benefits.

Christmascarrotjumper · 27/11/2025 08:14

Crikeyalmighty · 27/11/2025 08:07

I suspect by the way that Thea in the article probably had a perfectly suitable home and partner at some point and it went wrong and hence the 1 bed flat with 3 kids - we read lots of posts on mumsnet about people need to LTB, get out etc and when they do then this kind of situation does happen, and will happen more and more particularly in south east with people in rented , no equity etc -

This isn't her first foray into the media. Pretty sure there's been no unfortunate change in circumstances. Just Google her name.

Peridoteage · 27/11/2025 08:14

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

You don't get taxed on most benefits. To achieve 6k per month after tax, a working person not receiving UC would likely need to earn over £100k before tax.

BurntBroccoli · 27/11/2025 08:14

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!

Similar figures here.

Swipe left for the next trending thread