Working families £18k worse off than benefits claimants after budget

[shoelances]

This is madness. Can the last taxpayer in the UK please close the door behind them.

www.msn.com/en-gb/money/other/households-on-handouts-to-be-18-000-better-off-than-families-on-modest-wages/ar-AA1RqxlQ

I have an extended family member who rents a home whilst their children are under 18. Her boyfriend does not live with them (honest) when he is home and so she claims benefits as a single parent whilst working part time. He owns 3 properties which he rents out. He also has a very good job overseas and comes home for less than 90 days to pay less UK tax and they have lots of nice holidays - car for the teenager etc. They fought hard to have their 3rd child diagnosed with ADHD to maximize their benefits.

They have stated they will buy a property outright when the youngest turns 18 in 7 years time. I am sure they not the only ones playing the system.

Maybe you could use these crayons to draw some paper notes to give to PP so they can magically pay for their home. I am not buying it sorry. It’s unfair. Categorically.

According to that, to get £45k in benefits, you need to be disabled and be raising five disabled children and paying rent of over £15k p/a.

If a disabled adult can manage to care for five disabled children alone, they deserve every penny of that £45k. Plus, imagine how much it would cost the state to care for five disabled children if this mythical woman decided it was too much for her. It would be a fuck tonne more than £45k p/a. Despite being imaginary, she is saving the state a fortune.

Why did they fight hard for a diagnosis to 'maximise' their benefits when it isn't necessary to have a diagnosis for your child to apply for DLA?

Funny how it is always ADHD.

You know who I think we should be most angry with in that example? The LL who is raking in £15k a year of taxpayers' money off the back of a disabled woman and her five disabled children.

Our gdp to debt ratio is exactly 100%. Prior to the 2008 crash it was 40%. It went up to 60% after the crash. Brexit and Tory mismanagement drove it to 80% and then COVID happened. We pay more for our debt than other countries because of a higher perceived risk because of the rapid growth of our debt. We continue to borrow in order to fund essential services. So unless we are paying down debt faster than we are accruing it then the price of credit will continue to rise for us. The 20 billion black hole is the difference between what we have to repay and what our income is. Hope this helps.

I guess that’s the easiest one.

They were the words used by by family member. I don’t know the ins and out of the system having never claimed personally.

The parent of the child or a different family member?

I have claimed personally for DLA for my child and it isn't easy at all.

Went so well when Liz truss did her budget. I must have missed the part where RR crashed the markets (spoiler alert they reacted quite well)

Chicken and egg though. Low wages are propped up by government subsidy. What you subsidise you get more of.

I disagree about it being hard

ex dh managed to get it as doesn’t have a pancreas due to his constant drinking

He takes tablets to digest food and is fine as long as does that and leads a normal life

he could get a job - he’s quite capable of working and was working till he decided to stop and go on uc - but won’t /doesn’t have to now as gets lcwra

i don’t know if they will reassess. I hope they do

which also means he gets his full rent paid for him and only has to give me £27.50 a month cms out of his £800 he gets on top of his rent

he could get a job and think work 16hrs a week and still get lcwra but he doesn’t want to

if he didn’t get lcwra he would have had to find a job /uc make him go for 2w interviews

maybe he got ‘lucky’ and some struggle to get it. He didn’t

I’m sure there are many who deserve it but don’t get it so it irks he did and due to his own fault

Nice to see the right wing media are shitting bricks about the mansion tax, and getting kids out of poverty, how surprising.

Right wing newspapers and commercial media just serve their plutocratic owners who want a small ultra rich cabal of them and their mates and everyone as feudal peasants working to make them richer. The mega rich are laughing at us and are the real enemy and why the cost of living has gone up. They are more powerful than governments.

That's a good point, and I hate the situation that previous governments (Conservative and Labour) have left us in where basically the government is directly funding private landlords and subsidising employers.

Why doesn’t someone who has become redundant not get benefits they in some way reflect the salary that they have left, like they do in most of Europe? because here we chuck most of our money at people who can’t be bothered to ever work instead.

Why are you say Liz Truss did the budget, then saying RR didn't crash the market, surely it should be KS. Is it because LT is a woman. Why did you not say KK, he was chancellor.

Why is it ok for landlords to get taxpayer money and not people with mortgages, why are we paying for people's assets. Probably the best thing to do is to rent a house to someone on lots of benefits and rake it in.

So they are just buying landlords house instead, you obviously think that is ok, to pay for a landlords house

https://www.gov.uk/government/statistics/universal-credit-statistics-29-april-2013-to-12-june-2025/universal-credit-statistics-29-april-2013-to-12-june-2025#:~:text=Figure%205:%20People%20on%20Universal%20Credit%20in,34%25%20of%20all%20people%20on%20Universal%20Credit.

34% of people on UC work

I think we need to be careful about casting landlords as the bad guys here. Housing is expensive. Contrary to popular belief, social housing is subsidised because the cost of capital is rarely accounted for. Basically if you have a mortgage or even if you own the property fully, there will be interest to be paid or you could utilise the money elsewhere and earn interest.

You have three types of landlords.

1. Those that own their properties outright. the average property is worth £270k. If you put £270k in the bank right now earning 4.5% then you could get £12k back for absolutely nothing. You would have no landlord commitments, no safety obligations, no wear and tear or maintenance to fund. There would be no concerns about having vacant periods or tenants trashing the house. In many areas being a landlord would be an objectively bad decision when you could get the same and sometimes more money from doing nothing.

1. Those on interest only mortgages. Literally use the rent payments to service the debts. The tenants aren't buying the landlord's house but covering the costs of ownership. The idea is that the house will eventually go up in value and the landlord will make money on its sale.

1. Landlords with repayment mortgages. Very few landlords in the current environment are going to be able to find a repayment BTL mortgage at any scale.

My family member isn’t doing anything ‘illegal’ - they are just using the current system to their maximum advantage.

This is why the current benefits system needs a major overhaul.

People on MN often say there is no fraud in the system - but there is plenty of people gaming the system, and people really don’t like to accept that.

Boring!

I don’t think it’s short term? The loan is paid when property is sold, it could be decades?

I wish we did
I got made redundant, accepted a new job, they got rid of me and others after 8 weeks claiming they were over staffed
so 2 job losses in 6 months. I’ve worked since I was 13 and could get a work permit
thankfully I managed to get a job fairly quickly but I’m without pay until the first pay day