To wonder why the UC savings threshold is £6,000?

[GiddyLurker]

Why is the Universal Credit savings threshold set at £6,000? What’s the reasoning behind that number?

It feels quite specific and I just wondered whether there’s a particular logic or policy decision behind it?

Well, I asked 🤷‍♀️

UC do not take junior ISAs into account when looking at savings. There is a debate over regular kid savings accounts which need a parent name on and can be accessed but the belief seems to be these are also not counted. I suggest you go back to UC and ask them to do screamed your kids’ junior ISAs and request back pay for money they have deducted due to these.

While I commend you on your frugal living and living within your means, is it fair that working people should have to live like this whilst also funding others? The lifestyle you describe should apply to benefit claimants only, not working people.

The goodwill for the welfare state is rapidly vanishing. Reform and Restore both look poised to chop it down like a tree. Work isn’t paying. Working people are pissed all over on threads like these, made out to be petty bourgeois nimbys who should just shut up and pay and feel privileged to do so. I will never cease to be amazed by the breathtaking entitlement and arrogance of claimants on here who have the absolute nerve to look down on the people funding them and make snotty comments.

It shouldn’t be surprising. Whatever is coming next is going to be painful but necessary.

You are one accident away from needing to claim benefits.

They don’t get it. They’re so used to everything being cheap, free or subsidised they have no idea how expensive it is to be entirely financially responsible for yourself. They act like anyone could end up on benefits. But that isn’t a reason to make them overly generous and not reviewed enough. They never address the figures because they know we’re right but need to keep it going

There it is.. the assumption that anyone on UC has never worked and has no idea about things.

Do you just pretend not to be aware that "working people" and "benefit claimants" are not mutually exclusive despite being informed of this numerous times? Curious how someone holds down a job with such a low level of intelligence and reading comprehension tbh.

An assumption reasonably made given anyone who has been out of work for 5+ years will have no idea about current expenses and cost of living.

The majority of people claiming UC do not work.

I know about current expenses and the cost of living because I have to pay them all too.
People on UC are not living in some bubble where they are immune to everything.

In particular I’m thinking rent/mortgage payments

But you talk about the 2 groups as if nobody on UC works. But that's because it fits your narrative.

Also, I am fully aware of how much things cost. My mortgage, bills and other outgoings are neither free nor subsided in any way.

https://news.sky.com/story/universal-credit-claimants-soar-by-over-a-million-in-a-year-new-figures-show-13468726

If someone loses their job or becomes too ill to work, is it true that they won't get any help with their mortgage? So having some sort of savings would be the only way to prevent them losing their home?
This is a genuine question, I don't know because I don't have a mortgage and as a student I certainly have no savings left!

There is only one scheme available to help with mortgages on UC which is a loan towards the interest portion of the mortgage. It has to be paid back with interest added too. And there is certain criteria that has to be met. Most people don't use it.

You can claim help with the interest payments on a mortgage on UC, but you need to have been claiming UC for 3 months before.. and it is a loan.
Sadly, people can and do lose homes when they go on UC.

I'm not going to bother opening that link because it will prove nothing except your own ignorance.

Please do tell me how not being employed means someone would have no idea how much things like a mortgage, utilities, food, petrol, clothing, insurances etc etc etc are? They still cost the exact same as they do for those who work 😂

How convenient. Anything to avoid the actual figures eh!

UC claims jumped up because of the migration from legacy benefits.
Where is the headline about ESA claims dropping to zero?

I don't need to read some silly link to know that I, and most others, are fully aware of how much things cost because we pay them.

You’re just being childish because you’re confronted with facts that you know as well as I do, are damning.

Oh right so nothing actually relevant then 😂

And nothing to prove that people on UC who don't work are unaware of how much things cost either.

Funny that.

Yep, there is no two tier pricing for people on UC and those who work (which can overlap anyway).

I'm not being childish at all.

Your link proves nothing.

It also doesn't show that people on UC who don't work are unaware of how much things cost. I'm still waiting for the proof of that.

do the claimants here pay market rate rent or a mortgage? I would be interested to know but will leave it as an open question as they won’t respond or will say I’m ’being Mean’