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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think my universal credit feels generous.

1000 replies

MoonBaby1 · 20/06/2026 14:10

I got to my early 40s without ever needing to claim but circumstances find me single and paying the lions share of child related outgoings.

I work full time on£31,000 and have found out this year thanks to applying that I get on average about £800 from UC. It has been an absolute life changer and will hopefully be able to afford a modest uk holiday actually during the summer holidays and pay the school back some debt im in for after school care.

So many benefits bashing threads so I just wanted to present another side that as a cash strapped mum of two who works full time, UC is making a positive difference to our life. I didn't even think id qualify!

OP posts:
Thread gallery
5
BlueFahrenheit · 20/06/2026 19:34

MoonBaby1 · 20/06/2026 14:23

@Error404FucksNotFound I dont think I'm getting too much. I am getting help that possibly will enable a small caravan holiday and help buy my children clothes.

So, we're using the Universal Credit for a caravan holiday?

I guess it's better than buying a battery-powered Dyson Vacuum, which I watched on a documentary about Benefits Britain.

JoyousOpalLemur · 20/06/2026 19:35

SmashThePatriarchy · 20/06/2026 19:05

To be classed as the top 1% you’re looking at an income of around £200,000 a year. A very good wage but not the multi millionaires and billionaires I was referencing. Guess how much Jeff Bezos paid last year?……£0

Forbes estimates that Bezos paid about $2.7 billion in tax last year.

I can never tell if the people who say that billionaires don't pay tax are deliberately saying something ridiculous (not sure why?) or are so economically illiterate that they genuinely don't understand how taxation works.

homebytheseanearme · 20/06/2026 19:35

XenoBitch · 20/06/2026 19:27

I never said that. YOU told another poster that "not everyone pays tax" (which you denied even though it is on this thread, clear as day!). I said everyone pays VAT, which is a tax.
Nothing about any of the rest you are on about. A simple "VAT is a tax, and everyone pays it".
You are reading into it way too much and getting into a rage.

Nope. No rage, and I don’t rely on anyone else but myself. Not everyone pays the same amount of tax but I am proud to have paid my way and bloody delighted that what I pay might have helped other people. But, massive change is coming. The horrific likelihood is that Reform will be the next government. We ALL need to plan for that.

BlueFahrenheit · 20/06/2026 19:37

MoonBaby1 · 20/06/2026 14:46

Just had a quick look at caravan holidays during the holidays.... . So I think I may have more of a camping budget 😆

To those assuming i felt I was swimming in money I didn't mean that. Im just happy I can live albeit very modestly better than I had been in a relationship with a stingy man.

Thst experience for 2 decades. May have lowered my expectations.

And, how much will your ex-partner contribute to your holiday ....?

Being with a stingy man is nonsensical.

Flight291 · 20/06/2026 19:37

loveandletdie · 20/06/2026 14:21

Excuse my ignorance as I’m not from the UK but my understanding that universal credit was to help low income people/families with day to day life but not to fund holidays as they are a luxury

I agree with this. There will be plenty whose taxes pay for that holiday who can’t afford one themself.

JoyousOpalLemur · 20/06/2026 19:39

YourAmplePlumPoster · 20/06/2026 19:10

Andy Burnham says he wants to cut welfare.

He also refused to say what he would cut and has previously said (ie a few weeks ago) the welfare bill should be higher

BlueFahrenheit · 20/06/2026 19:41

Flight291 · 20/06/2026 19:37

I agree with this. There will be plenty whose taxes pay for that holiday who can’t afford one themself.

I echo this.

The OP surely must be trying to rattle a few cages.

farref · 20/06/2026 19:43

JoyousOpalLemur · 20/06/2026 19:35

Forbes estimates that Bezos paid about $2.7 billion in tax last year.

I can never tell if the people who say that billionaires don't pay tax are deliberately saying something ridiculous (not sure why?) or are so economically illiterate that they genuinely don't understand how taxation works.

And the tax their companies generate

PenelopeJoanSterling · 20/06/2026 19:50

Flight291 · 20/06/2026 19:37

I agree with this. There will be plenty whose taxes pay for that holiday who can’t afford one themself.

then they need to demand better pay or wages

PenelopeJoanSterling · 20/06/2026 19:51

farref · 20/06/2026 19:43

And the tax their companies generate

still not enough reason to squeeze the workers wages that help make those profits

kirinm · 20/06/2026 19:55

OP knew exact what she was doing with this post and goady title.

emuloc · 20/06/2026 19:57

PenelopeJoanSterling · 20/06/2026 19:50

then they need to demand better pay or wages

This. How this Country got into this situation that involves working people needing help in such numbers to keep a roof over their heads, and food in their children's stomachs, is a disgrace. People should be outraged, and letting it be known to the Government. Not attacking people verbally who find themselves in this situation. Housing, and utilities have been allowed to rise out of control, and as always the poorer members of Society are paying the price, more, and more. The system is breaking, and all the politicians do is speak a load of words, while the gas, and electricity prices just went up again a few weeks ago.

BlueFahrenheit · 20/06/2026 20:01

PenelopeJoanSterling · 20/06/2026 19:50

then they need to demand better pay or wages

How does one demand better wages in this dire economy?

PenelopeJoanSterling · 20/06/2026 20:02

BlueFahrenheit · 20/06/2026 20:01

How does one demand better wages in this dire economy?

thats the point the economic system needs altering, capitalism based on how it was from the industrial era does not function for modern society. why should people be paid very little wages

LuckyHazelFox · 20/06/2026 20:07

PenelopeJoanSterling · 20/06/2026 14:32

the companies should pay better wages

Or the fathers should start paying for their kids instead of the taxpayer.

ClaredeBear · 20/06/2026 20:07

I’m very pleased the extra has helped and you’re able to take a holiday. It’s what you’re entitled to, at the end of the day.

PenelopeJoanSterling · 20/06/2026 20:08

LuckyHazelFox · 20/06/2026 20:07

Or the fathers should start paying for their kids instead of the taxpayer.

how about both ?

homebytheseanearme · 20/06/2026 20:09

PenelopeJoanSterling · 20/06/2026 20:02

thats the point the economic system needs altering, capitalism based on how it was from the industrial era does not function for modern society. why should people be paid very little wages

Are they though? Genuine question. As I said upthread, less than 40% of UC claimants are in any kind of work. Of those that DO work, less than 11% work 30 hours or more. Are those statistic really reflective of a population working as hard as they can, and being paid unfairly?

LuckyHazelFox · 20/06/2026 20:10

31K is a decent salary. Has @MoonBaby1 said what the father is contributing?

youalright · 20/06/2026 20:11

Flight291 · 20/06/2026 19:37

I agree with this. There will be plenty whose taxes pay for that holiday who can’t afford one themself.

What you have said makes no sense. If someone poorer then you can afford something then why can't you?

LuckyHazelFox · 20/06/2026 20:12

ClaredeBear · 20/06/2026 20:07

I’m very pleased the extra has helped and you’re able to take a holiday. It’s what you’re entitled to, at the end of the day.

Meanwhile, what entitlements is the father getting? Why should the taxpayer keep funding in the cases of absent fathers?

PenelopeJoanSterling · 20/06/2026 20:12

homebytheseanearme · 20/06/2026 20:09

Are they though? Genuine question. As I said upthread, less than 40% of UC claimants are in any kind of work. Of those that DO work, less than 11% work 30 hours or more. Are those statistic really reflective of a population working as hard as they can, and being paid unfairly?

at some point theres only so much £ people have to spend,
there are only so many companies that need to exist for society to run
then theres globalisation
so you either need a smaller population because the business cannot run without profits
or you somehow advance from capitalism or what ever system we have

XenoBitch · 20/06/2026 20:14

youalright · 20/06/2026 20:11

What you have said makes no sense. If someone poorer then you can afford something then why can't you?

I am reminded of the poster who was on £100k (might have been £150k) who was cancelling Netflix because they could not afford it anymore.

Ultimately, it is down to priorities. Someone on a very low income/UC could afford a modest holiday because they have cut back on other things.
From what I see on here, it seems people on low income/UC are better at budgeting and living within their means than some of the higher earners.

ThunderThunderThunderThunderCats · 20/06/2026 20:14

Frequency · 20/06/2026 18:12

The point I was badly making is that the north (the north east especially) has large pockets of extreme deprivation, if OP, or anyone else living in one of those areas managed to bring home £30k p/a obviously they would feel well off, but an average family living outside of those areas would struggle on that income.

And yes, there are some massive employers in the north and the NE. Nissan springs to mind in the NE, but there is also a lack of public transport, meaning people cannot always get to the places where there are opportunities unless they can afford to run a car.

To get to Nissan from where I live is a 2-hour (assuming the buses come on time or at all) trek involving a train and 2 buses. It is just not practical for someone who doesn't drive, particularly as the first bus would get you there after the typical day shift starting time.

Maybe you should have stated a specific part of the NE in your first post? The north is massive and has many big cities, pretty much all of which have a ton of good public transport.

LuckyHazelFox · 20/06/2026 20:15

XenoBitch · 20/06/2026 20:14

I am reminded of the poster who was on £100k (might have been £150k) who was cancelling Netflix because they could not afford it anymore.

Ultimately, it is down to priorities. Someone on a very low income/UC could afford a modest holiday because they have cut back on other things.
From what I see on here, it seems people on low income/UC are better at budgeting and living within their means than some of the higher earners.

The high earners are paying more tax!

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