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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 · 22/06/2026 09:31

XenoBitch · 22/06/2026 09:27

It will never happen.

And it is frightening that you think disabled people should live their life in such a limited way.

I'm unaware of your situation and why you claim UC; however, it's abundantly clear you support the misappropriation of money for those who receive an essential living allowance funded by hardworking people who pay taxes.

It's no surprise the country is desperate to have Reform running the government. Maybe the proposed mandatory reassessments are needed after all.

farref · 22/06/2026 09:33

Morally why does anyone have the inherent right to live of someone else? That's what it is.

You're legally entitled to and living off the hard work and the labours of another, whether they agree to it or not.

XenoBitch · 22/06/2026 09:35

BlueFahrenheit · 22/06/2026 09:31

I'm unaware of your situation and why you claim UC; however, it's abundantly clear you support the misappropriation of money for those who receive an essential living allowance funded by hardworking people who pay taxes.

It's no surprise the country is desperate to have Reform running the government. Maybe the proposed mandatory reassessments are needed after all.

Again, there are no rules about what UC can and can not be spent on.

Stop making out there are.

XenoBitch · 22/06/2026 09:36

farref · 22/06/2026 09:33

Morally why does anyone have the inherent right to live of someone else? That's what it is.

You're legally entitled to and living off the hard work and the labours of another, whether they agree to it or not.

both you and @BlueFahrenheit could face disability at any time

I bet your tune will change then.

BlueFahrenheit · 22/06/2026 09:37

XenoBitch · 22/06/2026 09:35

Again, there are no rules about what UC can and can not be spent on.

Stop making out there are.

As I said, there should be.

Perhaps Reform is the way forward if they're going to put an end to this tomfoolery.

BlueFahrenheit · 22/06/2026 09:38

XenoBitch · 22/06/2026 09:36

both you and @BlueFahrenheit could face disability at any time

I bet your tune will change then.

I have two disabled friends. They work.

XenoBitch · 22/06/2026 09:46

BlueFahrenheit · 22/06/2026 09:38

I have two disabled friends. They work.

And?
This is not about people who work... you are saying that people wo do not work should have only the bare minimum to live.

XenoBitch · 22/06/2026 09:47

BlueFahrenheit · 22/06/2026 09:37

As I said, there should be.

Perhaps Reform is the way forward if they're going to put an end to this tomfoolery.

Sorry, but cutting back on things and saving up for treats is not "tomfoolery".
It is good budgeting.

farref · 22/06/2026 09:47

BlueFahrenheit · 22/06/2026 09:38

I have two disabled friends. They work.

She makes a good point. It obviously all depends on the level and state of the disability. Someone battling cancer will obviously be out of work and struggling. People with a degenerative disorder can't work, someone with MND can't work at all.

XenoBitch · 22/06/2026 09:51

farref · 22/06/2026 09:47

She makes a good point. It obviously all depends on the level and state of the disability. Someone battling cancer will obviously be out of work and struggling. People with a degenerative disorder can't work, someone with MND can't work at all.

And according to both of you, they should be paid in vouchers, not able to have treats or even the ability to save a little for a emergencies.

EvieBB · 22/06/2026 09:58

Notmycircusnotmyotter · 20/06/2026 14:36

No wonder the country is bankrupt

Far more money is lost from multinational corporations dodging taxes....I think you are demonizing the wrong group. I'd rather see op (a full time working mother).be able to treat her kids to a 1 week UK caravan holiday than see shareholders sailing around in their luxury yachts🙄

EvieBB · 22/06/2026 10:03

XenoBitch · 22/06/2026 09:36

both you and @BlueFahrenheit could face disability at any time

I bet your tune will change then.

Exactly!

EvieBB · 22/06/2026 10:05

StMarie4me · 22/06/2026 08:55

So you think that because OPhas become a single mother working full time in an averagely paid job with 2 children, they should only be able to just survive, and never have a break?
Have you heard yourself?

Exactly!!

BlueFahrenheit · 22/06/2026 10:07

The OP chose to have two kids earning a lower-scale salary.

Her choice.

EvieBB · 22/06/2026 10:07

BlueFahrenheit · 22/06/2026 09:37

As I said, there should be.

Perhaps Reform is the way forward if they're going to put an end to this tomfoolery.

So you'd be happy to see disabled people in the streets? Suicide rates rocketing?
Can't abide hideous reformers

Bunny65 · 22/06/2026 10:12

Numbchill · 22/06/2026 09:24

Vouchers? They could get paid food & utilities vouchers? I don’t think this is the answer but if that’s the only way of ensuring the money is spend on what it’s meant to be spent on then that’s where we end up.

with vouchers you end up with a black market and the vouchers will be a ripoff gravy train for the company administering them. And you wouldn’t necessarily be able to spend them where you like and in the most efficient way.

BlueFahrenheit · 22/06/2026 10:12

EvieBB · 22/06/2026 10:07

So you'd be happy to see disabled people in the streets? Suicide rates rocketing?
Can't abide hideous reformers

They won't be homeless if they are actually 'entitled'.

BlueFahrenheit · 22/06/2026 10:14

Bunny65 · 22/06/2026 10:12

with vouchers you end up with a black market and the vouchers will be a ripoff gravy train for the company administering them. And you wouldn’t necessarily be able to spend them where you like and in the most efficient way.

Easy workaround.

Proof of identification on inspection. No identification, no sale.

XenoBitch · 22/06/2026 10:17

BlueFahrenheit · 22/06/2026 10:07

The OP chose to have two kids earning a lower-scale salary.

Her choice.

No, her relationship broke down. Previous to that they had a household income off £60k and were not claiming anything.

Stop trying to demonise her.

BlueFahrenheit · 22/06/2026 10:19

XenoBitch · 22/06/2026 10:17

No, her relationship broke down. Previous to that they had a household income off £60k and were not claiming anything.

Stop trying to demonise her.

I alluded to the fact that a combined salary of 60K to raise two children in this climate is difficult.

It's called being responsible.

XenoBitch · 22/06/2026 10:22

BlueFahrenheit · 22/06/2026 10:19

I alluded to the fact that a combined salary of 60K to raise two children in this climate is difficult.

It's called being responsible.

Is it? Plenty of people manage on way less and no benefits.
It depends on what your other outgoings are. Some people budget well and/or have low costs.

XenoBitch · 22/06/2026 10:25

BlueFahrenheit · 22/06/2026 10:14

Easy workaround.

Proof of identification on inspection. No identification, no sale.

It wont happen though. No party is bringing in vouchers.
People on benefits are allowed autonomy over their finances.

Bunny65 · 22/06/2026 10:27

BlueFahrenheit · 22/06/2026 10:14

Easy workaround.

Proof of identification on inspection. No identification, no sale.

It’s not easy, that’s why the system isn’t used. Not everywhere would accept them as it would cost them admin so for example you could not use them in the most economical way.

EvieBB · 22/06/2026 10:27

BlueFahrenheit · 22/06/2026 10:07

The OP chose to have two kids earning a lower-scale salary.

Her choice.

Having children is a basic human right.!!
If the birth rate falls drastically because people aren't allowed to give birth unless they're earning top salaries who's going to be working to fund your pension in the future?
OP is a nurse! A perfectly honorable and acceptable career choice. A calling even. It's not her fault the government can't pay that role the salary it deserves.
What if you've applied for those high salary jobs but haven't made the cut?
What if you're introverted and shy and are unable to climb the career ladder and as a result you end up on a lower scale income long term despite your best efforts?
Are you seriously saying that all those people should actually be barred from being allowed to bring children in to this world?

Have you heard yourself??

BlueFahrenheit · 22/06/2026 10:30

EvieBB · 22/06/2026 10:27

Having children is a basic human right.!!
If the birth rate falls drastically because people aren't allowed to give birth unless they're earning top salaries who's going to be working to fund your pension in the future?
OP is a nurse! A perfectly honorable and acceptable career choice. A calling even. It's not her fault the government can't pay that role the salary it deserves.
What if you've applied for those high salary jobs but haven't made the cut?
What if you're introverted and shy and are unable to climb the career ladder and as a result you end up on a lower scale income long term despite your best efforts?
Are you seriously saying that all those people should actually be barred from being allowed to bring children in to this world?

Have you heard yourself??

A job the OP chooses to have.
A salary she chose to have children on.
A stingy partner she chose to have kids with.

Well, I guess critical thinking isn't common these days.

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