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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think saving on Universal Credit is extremely difficult?

663 replies

FirmGreyMember · 28/04/2026 20:42

It feels like Universal Credit doesn’t really leave much room for saving once basic living costs are covered. I know in theory people say to put even small amounts aside but in practice it seems very difficult when most of the money goes on essentials.

AIBU to think there’s very little opportunity to build savings on UC?

OP posts:
Thread gallery
5
ForWittyTealOP · 29/04/2026 14:24

GiaGia16 · 29/04/2026 14:13

Why so persistently rude?

I'm not rude. I'm direct. I won't apologise for that to people rude enough to make comments like yours. Mind your own business.

youalright · 29/04/2026 14:24

PenelopePinkerton · 29/04/2026 14:06

I make two levels of contribution. My tax and NI is 14.5k a month. I have no control over how that is spent. I then spend a further 8k a month that I give to four people who don’t work. That has nothing to do with the welfare state and is my choice. I’m not sure why you are being so belligerent when I have not made any disparaging remarks about anyone claiming benefits. I have just stated how much of my income is spent🤷‍♂️

Holy shit how much do you earn thats more then i earn in a year. P.s can I have some money please

PenelopePinkerton · 29/04/2026 14:25

ForWittyTealOP · 29/04/2026 14:22

I'm not interested in how much you say you contribute. I never have been. You complained about how much money you fork out for people who don't work. This is what you said.

"It's very difficult for many of us who work to save these days too, mostly because we’re giving so much of our wages to those that don’t, so I can’t feel too sorry for them 🤷‍♀️."

I have only ever asked you how much you are personally contributing through your income tax (or, in your words, "giving so much of [your] wages" towards those who don't work). And you don't know. Fine. Don't make such sweeping claims then.

Also if you're finding it hard to save on almost £400k p/a, maybe people should feel sorry for you!

Edited

I never said that. That was another poster. Your vitriol is directed at the wrong person.

PenelopePinkerton · 29/04/2026 14:26

youalright · 29/04/2026 14:24

Holy shit how much do you earn thats more then i earn in a year. P.s can I have some money please

Edited

399k

GiaGia16 · 29/04/2026 14:27

ForWittyTealOP · 29/04/2026 14:24

I'm not rude. I'm direct. I won't apologise for that to people rude enough to make comments like yours. Mind your own business.

What a delightful person you sound.

youalright · 29/04/2026 14:27

PenelopePinkerton · 29/04/2026 14:26

399k

Omg what job do you do and are they hiring

SpryTaupeTurtle · 29/04/2026 14:29

GiaGia16 · 29/04/2026 14:27

What a delightful person you sound.

As delightful as the people telling me I'm not unwell and shouldn't be claiming benefits

ForWittyTealOP · 29/04/2026 14:32

PenelopePinkerton · 29/04/2026 14:25

I never said that. That was another poster. Your vitriol is directed at the wrong person.

It's in your quote history.

ForWittyTealOP · 29/04/2026 14:33

GiaGia16 · 29/04/2026 14:27

What a delightful person you sound.

I am delightful, yes. I'm also direct because I'm autistic and not apologetic about that.

PenelopePinkerton · 29/04/2026 14:33

youalright · 29/04/2026 14:27

Omg what job do you do and are they hiring

I’m a director of a healthcare provider. We generally recruit NHS consultants who are becoming burned out from their NHS roles and we offer much better conditions.

PenelopePinkerton · 29/04/2026 14:36

ForWittyTealOP · 29/04/2026 14:32

It's in your quote history.

I think you’ll find it was idstillratherbepaddleboarding that said that. But carry on being hostile….

ForWittyTealOP · 29/04/2026 14:41

PenelopePinkerton · 29/04/2026 14:36

I think you’ll find it was idstillratherbepaddleboarding that said that. But carry on being hostile….

Odd. It's only showing up under your username in the quote history. No sign of the username paddleboarding whatever.

But apologies for any misunderstanding. Why did you continue to answer when it became obvious there was some kind of technical blip? I could have been arguing with someone else all that time.

ilovesooty · 29/04/2026 14:42

GiaGia16 · 29/04/2026 14:27

What a delightful person you sound.

If you think the poster has breached the guidelines you're free to report. Otherwise accept that people are allowed to disagree with you.

Locutus2000 · 29/04/2026 14:42

SpryTaupeTurtle · 29/04/2026 13:38

Labour aren't just talking about it. They've already cut the amount new claimants on lwcra get by half

They have also pushed basically everyone from ESA to UC (hence the huge rise in claims) meaning the Severe Disability Premium if on DLA/PiP no longer applies. Someone claiming tomorrow gets around £400 less in total than an existing claimant who transferred over and is covered by Transitional Protection.

With the LCWRA cuts it's worth remembering those who meet the 'Severe Conditions Criteria' will still get the full rate, this seems primarily aimed at the rise in MH issues in younger people post-covid.

ForWittyTealOP · 29/04/2026 14:47

ForWittyTealOP · 29/04/2026 14:41

Odd. It's only showing up under your username in the quote history. No sign of the username paddleboarding whatever.

But apologies for any misunderstanding. Why did you continue to answer when it became obvious there was some kind of technical blip? I could have been arguing with someone else all that time.

Actually scratch that. You answered the question I asked the other poster as if I had been asking it of you! I didn't notice you'd done that. No wonder! 🤣

ForWittyTealOP · 29/04/2026 14:48

Locutus2000 · 29/04/2026 14:42

They have also pushed basically everyone from ESA to UC (hence the huge rise in claims) meaning the Severe Disability Premium if on DLA/PiP no longer applies. Someone claiming tomorrow gets around £400 less in total than an existing claimant who transferred over and is covered by Transitional Protection.

With the LCWRA cuts it's worth remembering those who meet the 'Severe Conditions Criteria' will still get the full rate, this seems primarily aimed at the rise in MH issues in younger people post-covid.

Edited

That's helpful, thank you Do you know what the conditions are?

GiaGia16 · 29/04/2026 14:49

ilovesooty · 29/04/2026 14:42

If you think the poster has breached the guidelines you're free to report. Otherwise accept that people are allowed to disagree with you.

Disagree with me about what? I have made no other comments.

Locutus2000 · 29/04/2026 14:51

ForWittyTealOP · 29/04/2026 14:48

That's helpful, thank you Do you know what the conditions are?

This seems to cover it but it's very vague.

https://data.parliament.uk/DepositedPapers/Files/DEP2022-0860/137._Severe_Conditions_V3.0.pdf

ilovesooty · 29/04/2026 15:19

GiaGia16 · 29/04/2026 14:49

Disagree with me about what? I have made no other comments.

Other posters might post things you don't like. Why the snide comment about "how delightful" someone sounds?

GiaGia16 · 29/04/2026 15:21

ilovesooty · 29/04/2026 15:19

Other posters might post things you don't like. Why the snide comment about "how delightful" someone sounds?

Because she was rude to another poster. FFS.

ilovesooty · 29/04/2026 15:23

GiaGia16 · 29/04/2026 15:21

Because she was rude to another poster. FFS.

As I said, if you feel something breaches the guidelines you're free to report. Any need for the "FFS"?

GiaGia16 · 29/04/2026 15:26

ilovesooty · 29/04/2026 15:23

As I said, if you feel something breaches the guidelines you're free to report. Any need for the "FFS"?

Yes, thank you so much, I am indeed free to report as you have now informed me twice. Good bye.

ForWittyTealOP · 29/04/2026 15:27

GiaGia16 · 29/04/2026 15:21

Because she was rude to another poster. FFS.

I wasn't rude to you so no need for you to involve yourself in making value judgements.

youalright · 29/04/2026 15:34

PenelopePinkerton · 29/04/2026 14:33

I’m a director of a healthcare provider. We generally recruit NHS consultants who are becoming burned out from their NHS roles and we offer much better conditions.

I think i live on a different planet i didn't think anyone apart from footballers and celebrities where earning that sort of money. I think its lovely that you help others out to. Id love to be able to help others like that.

PenelopePinkerton · 29/04/2026 15:41

youalright · 29/04/2026 15:34

I think i live on a different planet i didn't think anyone apart from footballers and celebrities where earning that sort of money. I think its lovely that you help others out to. Id love to be able to help others like that.

Some footballers earn my yearly salary in a week. There are quite a few of my old school friends earning 7 figures in finance and corporate legal work too so I’m pretty much middling in my social circle.

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