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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
youalright · 21/06/2026 08:52

DontBuyAnotherBook · 21/06/2026 08:47

I saved my furlough pay to fund a successful round of IVF. That is actually true.

Congratulations im so glad it worked for you that is definitely money well spent 🩷💙

Differentforgirls · 21/06/2026 08:53

MrsPapillon · 21/06/2026 07:40

What about people with public sector pensions? Should they be allowed holidays while the taxpayer is forking out a similar amount each month to prop them up?

They are tax payers too.

DontBuyAnotherBook · 21/06/2026 08:54

youalright · 21/06/2026 08:52

Congratulations im so glad it worked for you that is definitely money well spent 🩷💙

Thank you. I thought so too. 😄

MrsPapillon · 21/06/2026 08:56

Differentforgirls · 21/06/2026 08:53

They are tax payers too.

As are working people on UC. In fact, they might even be public sector workers on UC, in which case they’re getting taxpayers money both ends.

They still deserve a holiday.

HighHeelsRedLips · 21/06/2026 08:58

Meanwhile carers can claim a carers allowance of £86.45 a week if they spend at least 35 hours a week caring for someone and earn £204 or less a week after tax and National Insurance.
Enjoy your generous UC benefits MoonBaby1 in addition to your generous full time wage.

Differentforgirls · 21/06/2026 08:59

MrsPapillon · 21/06/2026 08:56

As are working people on UC. In fact, they might even be public sector workers on UC, in which case they’re getting taxpayers money both ends.

They still deserve a holiday.

You’re the one saying they’re “propped up”.

MrsPapillon · 21/06/2026 09:08

Differentforgirls · 21/06/2026 08:59

You’re the one saying they’re “propped up”.

Yes, I was trying to use the language of naysayers to show that many of them are receiving similar amounts of government support in other ways, and still feel justified to have a holiday. It’s double standards. I personally don’t have an issue with anyone working full-time having a week away. I’m quite shocked that other’s think differently.

Differentforgirls · 21/06/2026 09:19

MrsPapillon · 21/06/2026 09:08

Yes, I was trying to use the language of naysayers to show that many of them are receiving similar amounts of government support in other ways, and still feel justified to have a holiday. It’s double standards. I personally don’t have an issue with anyone working full-time having a week away. I’m quite shocked that other’s think differently.

What Government Support?

youalright · 21/06/2026 09:26

MrsPapillon · 21/06/2026 09:08

Yes, I was trying to use the language of naysayers to show that many of them are receiving similar amounts of government support in other ways, and still feel justified to have a holiday. It’s double standards. I personally don’t have an issue with anyone working full-time having a week away. I’m quite shocked that other’s think differently.

A few weeks ago on another benefit bashing thread somebody thought people on uc shouldn't even be allowed to buy a new mattress or a new fridge. These are the sort of people that are on mumsnet so its hardly surprising they get their knickers in a twist about someone staying a few days in a caravan or a tent.

SheldontheWonderSchlong · 21/06/2026 09:32

youalright · 20/06/2026 14:22

Now imagine trying to live on that without your full time job due to having to be a carer or being disabled then see how generous you think it is.

Exactly this.

Livelovebehappy · 21/06/2026 09:33

MrsPapillon · 21/06/2026 08:56

As are working people on UC. In fact, they might even be public sector workers on UC, in which case they’re getting taxpayers money both ends.

They still deserve a holiday.

They might deserve a holiday, but not on benefits, which are meant for necessities, not luxuries. But never fear, once Burnham gets his feet under the table at number 10, I’m sure benefit claimants will be rewarded with a boost in payments. And then maybe two holidays a year could be on the cards.

MrsPapillon · 21/06/2026 09:39

Differentforgirls · 21/06/2026 09:19

What Government Support?

You’re being obtuse. Employer pension contributions of 15-30% will most definitely support people in retirement (versus the average private sector contributions of 6%).

Differentforgirls · 21/06/2026 09:41

MrsPapillon · 21/06/2026 09:39

You’re being obtuse. Employer pension contributions of 15-30% will most definitely support people in retirement (versus the average private sector contributions of 6%).

You realise when you stop working no one is contributing?

Sevenwondersofthewoo · 21/06/2026 10:01

BlueFahrenheit · 21/06/2026 00:47

OP is cash-strapped with a stingy ex-partner.
Perhaps save the money for a 'rainy day'?

Tm going to say this again she never said her ex was stingy you made that up for your agenda to bash her cos she’s getting a top up from UC

LuckyHazelFox · 21/06/2026 10:15

Bryonyberries · 21/06/2026 07:56

As a single parent on a low wage, tax credits and UC have been a life line for my family after the children’s dad left us. He didn’t pay regular maintenance and it’s wrong better systems aren’t in place for getting the absent parent to pay.

UC is set to end next August when my youngest leaves education and after that I will be trying to run the house on just my single wage (under 26k) and probably still supporting my youngest for a while since they don’t magically have full time work the day they leave college.

This is why nursery workers are leaving the profession in droves - the wages in this industry are too low to live on. For many of my colleagues with partners theirs is just a top up wage to their higher earning partner.

These neglectful dads really need clamping down on. If they aren't paying, maintenance should be debited from their salaries. They do this with some debts or they used to.

Edit - autocorrect

BlueFahrenheit · 21/06/2026 10:18

Sevenwondersofthewoo · 21/06/2026 10:01

Tm going to say this again she never said her ex was stingy you made that up for your agenda to bash her cos she’s getting a top up from UC

OP said,

'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'.

BlueFahrenheit · 21/06/2026 10:19

LuckyHazelFox · 21/06/2026 10:15

These neglectful dads really need clamping down on. If they aren't paying, maintenance should be debited from their salaries. They do this with some debts or they used to.

Edit - autocorrect

Edited

Absolutely.

Payments should be mandatory and deducted monthly.

LuckyHazelFox · 21/06/2026 10:22

BlueFahrenheit · 21/06/2026 10:19

Absolutely.

Payments should be mandatory and deducted monthly.

Yep and if they are on benefits, they need stripping right down until they get jobs. Bloody sickening that we are paying for other men's kids. I don't take that out on all single parents either. There are lots of women doing their best to survive alone, as well as those who equally take the piss.

Sevenwondersofthewoo · 21/06/2026 10:25

BlueFahrenheit · 21/06/2026 10:18

OP said,

'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'.

Ok I missed that bit apologies, but you are still bashing her cos she’s getting that top up and wants to go on a caravan holiday

BlueFahrenheit · 21/06/2026 10:28

youalright · 21/06/2026 07:28

You are so out of touch

You do understand that some individuals spend over 50% of their salary, right?

60K isn't 600K.

BlueFahrenheit · 21/06/2026 10:30

Sevenwondersofthewoo · 21/06/2026 10:25

Ok I missed that bit apologies, but you are still bashing her cos she’s getting that top up and wants to go on a caravan holiday

I'm not bashing her.

I'm merely stating the fact that if she were really cash-strapped, spending a few hundred on a caravan holiday would be out of the question.

BlueFahrenheit · 21/06/2026 10:34

LuckyHazelFox · 21/06/2026 10:22

Yep and if they are on benefits, they need stripping right down until they get jobs. Bloody sickening that we are paying for other men's kids. I don't take that out on all single parents either. There are lots of women doing their best to survive alone, as well as those who equally take the piss.

I echo this.

The large proportion of these men makes me heave.

I remember reading an article a few years ago about a man who had so many children, he had their names tattooed on his body.

The thought of entering a relationship with someone like this makes my blood boil.

earshadow · 21/06/2026 10:34

It depends on where you live. I work and get UC but my rent is 1600 a month so the contribution to my housing is not nearly enough. So I am always broke and can’t afford holidays.

LuckyHazelFox · 21/06/2026 10:38

BlueFahrenheit · 21/06/2026 10:30

I'm not bashing her.

I'm merely stating the fact that if she were really cash-strapped, spending a few hundred on a caravan holiday would be out of the question.

This thread is tone deaf tbh. I am not really sure of its purpose. Great, so the OP gets a free amount equivalent to a state pension and salaries. We know it goes on, we don't need to be reminded.

Sevenwondersofthewoo · 21/06/2026 10:52

BlueFahrenheit · 21/06/2026 10:30

I'm not bashing her.

I'm merely stating the fact that if she were really cash-strapped, spending a few hundred on a caravan holiday would be out of the question.

Oh but you are bashing her.

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