To think saving on Universal Credit is extremely difficult?

[FirmGreyMember]

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?

I mean that if you close a current claim receiving the old rates to go back to work, then you become too unwell to work again you will get considerably less as you start from scratch as a new claimant.

I wish my disability was temporary unfortunately thats not how it works. What free extras i pay full council tax, mortgage, opticians and dentist. Have you not read the thread this has been explained multiple times

How fucking dare you. How dare you. My mum has helped me so many times in my life. How dare you
My mum was left with nothing when her and my dad split up. She got two quid a week until I was 16. And you are telling me that my 77 year old mum on a pension should have paid my disability benefits when I had a triple leg fracture and ptsd. That's it. Reported

Having family like that is a privilege that not everyone has.

I am not on here to be attacked
By anyone. My mum had melanoma 9 years ago and she's lucky to be alive but she's not done enough for me. Right you are you twat

Good for you…
surely you realise that not everyone has a family that can offer financial support?

But surely you wouldn't close your current claim as if you're disabled your disabled whether you work or not or do you more mean after illness like cancer. Then absolutely people should be protected while trying to get back into work

Some people just don't realise their privelage

Please don't take shit random people say on an anonymous message board seriously or personally. Many are here just to provoke and upset, it's better to not bite, or just laugh at them.

This thread is pretty mild by previous standards.

My mum is 77 years old
I had to go to tribunal to get money for my triple leg fracture. My dad is a cunt who paid my mum 2 quid a week until I was 16 and fuck all else. How dare you suggest my mum hasn't ever helped me. How dare you. How dare you.

It was my family that really pushed me to claim benefits as I had zero income. Could not pay bills and could not eat. My mum would bring me some food, but she could not pay my bills.
I was brought up to see claiming benefits as something to be ashamed of, and that line of thinking did not help me when I actually needed some support.

Again, they are winding you up to generate exactly this response. Might not even be a real person, all this hate is orchestrated.

I'm out of here.

You are obviously having a tough time, many of us both understand, and care. It's often best to step away but look after yourself.

Take care lovely x

It's a bad idea to advocate for an informal or family based or residual welfare system. What people don't take into account is what happens to them if there's an underclass of destitute people without means of support. And that would happen because not everyone has family that will or can help out. Society would be significantly less stable and more dangerous for everyone, and employers more exploitative.

If we had a welfare state that was proactive, preventative and universal, our society would be healthier and more equitable. There are examples of that kind of regime, particularly in the Nordic countries and while they're not perfect, they tend to have better outcomes across various measures than less robust welfare states.

I appreciate that there are various bots and trolls on threads like this. It's interesting to take what they say and think about how we can do better. We don't want to leave welfare policy to those whose philosophy in life is I'm all right Jack!

What people don't take into account is what happens to them if there's an underclass of destitute people without means of support. And that would happen because not everyone has family that will or can help out. Society would be significantly less stable and more dangerous for everyone, and employers more exploitative.

Absolutely. The idea that if you take away benefits from those generationally dependent on them they will just go and get a job is asinine.

The entitlement is just beyond belief, some of the people funding the UC for others can barely afford to pay their mortgage/rent or keep their business afloat let alone save any money. The fact that someone even posted this question shows just how much trouble this country is in.

Yawn.

Well learn to budget better are you not embarrassed that a person on a 1/3 of your income can save and you can't

If someone on UC can budget well and save money, then there is no reason why someone that is not on UC can not do the same.
Most of the time, not having anything to save is due to poor money management or spending beyond your means.

Don't bite. It's what they want.

It's not looking like it's getting easier for disabled folk, I'm saving every fucking penny in case of a Reform government. It's 6k in your bank, just hoard cash and gold once you hit the limit or get a rich relative to look after it for you.

I may or may not be joking.

Is it really? Nothing to do with highest tax burden since world war 2? Well maybe these excellent budgeters wouldn’t mind standing on their own two feet and let us poor budgeters keep a bit more of the money we earn?
This selfish entitlement is sinking the country, it’s just unbelievable.

Those "selfish" people you speak of are the sick/disabled, single parents, carers, and people between jobs.... also the carers who look after your elderly relatives, the cleaners in your local hospital, the person bringing you your Amazon delivery etc
You are one accident away from having to go on the Gov website and applying for UC.