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?

Oh get real, we have the highest tax burden since world war 2 and it’s to pay for benefits.

50 hours? That is shit and no one should be working that much. That is your choice.

Ditto. Never claimed benefits in my life. I've only had a couple of years out of the workplace due to severe mental illness but I was married then and not eligible for benefits. I was sufficiently fortunate to get rid of a job and marriage that made me ill and get into the workplace again but I might not have been able to. The comments about the ill and disabled make me sick.

I don't think so, my robot friend. I own my house outright.

My first job was a paper round. What insurance was I meant to be getting for that? 😂

Most of the expenditure on benefits is on pensions.

Pensions. That is the biggest benefit bill.

Snap!

Ha ha, I rest my case.

keep a roof over your head

Do you think people unable to work should be on the streets then?

Too much work can make people ill. It will catch up with you at some point.

I earnt £3.50 a week, plus 75p for knowing all the rounds and being available to cover them.
But yeah, I should have been getting some sort of insurance in case I was ill.

So @GoldebWeasel do you think those unable to work should be on the street then?

It would have been terribly shameful to have to claim that £3.50 a week in benefits!

Fuck's sake people, stop falling for obvious trolls/bots/whatfuckingever.

She would probably be the first to complain when she trips over them when leaving Waitrose. Would probably sue them if she hurt herself.

I'm not on UC but I know loads of net tax payers - they have comfortable if not lavish lifestyles and are very well rewarded for their hard work. It's only right that the people who can pay on account of their good fortune and health support those who can't due in most cases to disability, caring responsibilities or temporary unemployment. There is nothing selfish about living on welfare or having it subsidise you if you are unable to work or to work enough hours to cover your needs. The average person in the UK goes on 4 holidays a year with many in the above average category going on 5, 6 7 or even 8 holidays a year. We are not a poor country that cannot afford to support those who haven't been so lucky. The average UK citizen has wealth of over £250,000.

Did you pay privately when you gave birth to your children are they going to a private school or am I paying for them

Ah well... many years later I would still be living it up on my insurance pay out of £3.50pw. Actually, it would be less as you don't get your full previous wage anyway.

Do less than 50 hours a week then. You’ll pay less in tax and NI (or ‘charity’ as you called it earlier). Then you will be contributing less to the welfare state and to all those claimants. Win-win.

In 20 years you bought no house, accrued no savings? You had 2 decades to get some security sorted for your kids knowing 50% of marriages end. I'm sorry, but you made some poor choices and you are exactly the sort of case I was referring to.

Because some people's conditions are congenital. Check your privelage

Radio silence from @GoldebWeasel i see. Not surprised.

Being disabled isn't a lifestyle choice either so i can't save up for if my boiler or car breaks because I'm disabled

You’re still paying for the existence of her children. She’ll be claiming child benefit, they’ll go to an NHS hospital when they need to be seen at A&E, NHS staff will treat her children’s injuries, etc etc.