26000 cap what it would mean to me

[TheHumancatapult]

ok some of you ahve complained about the £26000 Benfits capped and then slammed into hunty cat for having to much money left

so to balance it out this how £26000 would be broke down for myself as single parent with 4dc

.£26000 straight away 13200 would have gone to the LL .

so thats £12800

left .Discount Cb as peoplle up to £40000 can earn so tale away £3534 approc

so im now down to 9256 .Tale away council tax Benfit thats me down to £7886 .

thats then down to £151 a week
they will then tale of teh free school dinners have 3dc that entitled ( only 1 has but they will do the sums based on what they are entitled to ) so £6 a day times 5 is £30

£121 left take of £15 for water £20 for gas and £20 for electric bearing in mind most wil be on card/key meters taht charge more

would leave me £56 a week for food and clothes and any extras

Now relook at the figures again that im in h/a at £126 a week my hb is £6652

so think the problem lies when your forced into private rented a large amount of your money is swallowed up by Hb .And remember not all LL will takke Hb so often you pay a preimum for sometime substandard accomidation as they are aware that people can not move

And lets also remember those that are working in low income of £18000 Pa will also recieve top ups too of CB , WTC and CTC

£140 isn;t just for food eitehr is it?

it's for transport, possibly council taxas council being given option of not awarding CTC any more once Universal Credit comes in; it's for school trips, and coats, and playschool... and....

personally won't affected by cap as we are both a working family and exempt due to disability if we ever did need it; but disagree with way it has been handled. Housing is SO much the root of problems, and forvcing people into cheaper housing doesn't mean sending them off to the land of milk and honey but packing people into areas where there are less jobs, bigger drains on serveces etc- why do you think those areas became low cost in the first place?

if your area is low cost, can it handle an influx (a bit one- Government earmarked 200000 B&B palces isn SE at one point becuase of these rules) and still mainatin school palces, GP availability, Social Services systems, housing for locals?

My own city (well where I live now) is identified as one particualr struggling area and so I assuem we will have an influx; we already have a council waiting list over 30K and I am led to believe there is one house up for rent at HB level, and the LL has stated no claimants anyway.

It's just not as simple as the Government will let on- people in affluenta reas will win as there will be mroes chool palces, services etc for the,m but oterh areas will become ghettos for anyone there, regardless of why they are on benefits or even whether they are.

And I am not sure it will save either; homeless accom costs more than HB; poverty has well known long term effects in costs, such as through long term employment, education and health expensiture. People being forced to move away from people they care for (no exemption for carers) will push costs to state, and those facing redundancy will be amde to move away from their existing childcare networks, making secuting new work all that much more difficult.

£26K for a minority of claimants!!! Those with load of kids and living in London. It's the HB that makes it so high.

you really think someone can roll up to the job centre and get paid that straight off.

It takes months of claim forms and jumping thru hoops, uncertainty and getting into debt to pay your rent in the meantime. and hope that you can get enough together to pay your rent. Or, like us , you get evicted and into even more debt as you have to borrow money for the deposit for a new place. FFS.

Don't judge. You are not disabled. You are 'not yet disabled'. You are not employed, you are 'not yet unemployed'. Be grateful for what you have. Bad things can happen to anyone. Yes, even you.

Oh and the 26k figure is misleading- a family on £26K in the south east can claim tax credits and possibly even HB so that will NOT be their entire take home.

And very few people outside the SE get £26k anyway; where I live a private rented will cost £6144 in HB a year and therefore total income will be far less; someone in south wast getting over the £26k will not see it- the extra will go to a landlord, not them. Quite possibly a ;andlord ranting on websites about people on benefits getting more than them whilst pocketing a nice fat lump sum in HB each year...

Wherever it goes though it is not claimant spendable income. And comes with all the usual crap we in private rented housing endure in terms of lack of security

And before someon yells 'well I am a workering family in private..' yes me too. I can have empathy without being directly affected.

'You are not disabled. You are 'not yet disabled'. You are not employed, you are 'not yet unemployed'. Be grateful for what you have. Bad things can happen to anyone. Yes, even you.'

So true

And if you are lucky enough to avoid all that you become certainly elderly, and elderly people will be affected by a scaramble for low cost housing and carers being moved to cheaper areas as well.

And yes can confirm ragged that as with PIP amendments Government have stated they plan to use ancient rules allowing them to overturn decisions on anything related to economy and tehrfore just ignore everything HoL has said on CB, PIP availability to long term disabled etc.

A family on £35K the equivalent to benefits of £26K won't be getting much tax credits.I think it was around £40.

Are they planning to stop CTC to those earning over 25K? Im sure I read that

A month.

Obviously those over(whatever the cut off is) won't be getting anything.

Depends MrsH- in some places total benefit take for a family of 2 can be as much as £250 PW on that income. Which IMO just indicates how much of a root issue the housing part is. I;d prefer a cap that did not count HB to be honest, so you would know how much a family got in actual money as opposed to their landlord getting- we already have regional HB caps, they exist despite everyone thinking otherwise. It's £512 PCM for a 3 bed in my city.

It's also why I would like to maintain the CB payment; even if there is not extra HB / CTC equivalents payable per child, that few quid each week will make a difference in terms of food and clothing. yet ahrdly going to fund a heroin addiction.

KAL they have not announced the actual UC cut offs yet. They are very complex anyway and to fulfill criteria to get anything at all everyone of working age in a family will be allocated individual criteria including working hours etc that they must first fulfill. Work 16 hours and have a child over 5? you would actually find yourself with no claim or on part time workfare.

Why the hell do people who get given HB seem to think that it should somehow be disregarded as a benefit as the cash goes to the LL and not them. I would never suggets that my salary was 12000 a year less than it is simply because I immediately pay that money over to my landlord! Madness

Okay I earn £32.5k so take home £26k.

Like most people on this money I have to work full time to earn it.

Therefore my costs are as follows:

£11,490 Rent (Not all people who earn are on the housing ladder)
£1,140 Travel (for kids to and from school)
£1,680 Diesel to get to work
£2,160 Gas & Electricity
£2,000 Council Tax
£475 Lunch (£2.50 per day for kids at school)
£2,850 Before and after school club at £5 per hour
£1,300 childcare during school holidays at £20 per day
£300 water
£1,200 car park charges at work (contract requirement that have car at work)

£25,045 Total before food.

£955 per annum left in my pocket for me to buy food, school uniforms, and anything else that I may deem a luxury. (See my other thread re trying to buy my ds a pair of glasses!)

And that's the problem

Easy.

Move to cheaper housing.

Get a job.

That's what most of us do.

Has it occurred to you that those of us who do work hard don't particularly appreciating bailing out those with lifestyles that we have worked hard to avoid.

You missed your WTC and CB from that list sanity

boobbysmum

ok one I had my 4dc when was married and both working oh and divoice followed birth dc number 4 so my cosy life went boom ih and do the maths it is not £142 its £86 a week to feed and clothe 5 of us .That is what people are facing .Just wanted to show that people are not living it up on benefits and that infact it cna be hard work and shows how hard it is i your trapped in private rented

oh and if you ha dbothred to read any more of my post you can see that infact i delibratley took disabilty out of it

and admitted that right now I am infact protected because fortunatley mine and ds3 disablitys are obvious so get DLA .

But when PIP comes in chances are that the rules abiut DLA will not apply to the cap and under PiP I will no longer be disabled so will lose my extra help even though i will not lose my disabilty

CB was left off the op's post so I left it out of mine to keep it even.

And I'm not entitled to WTC, or CTC only benefit I get is CB.

cottonmouth you ever tried finding a LL that takes Hb and at the LHA where your not topping it up

cottinmouth

i had a decent lifestyle to point we was quite comfy ,tyvm but shit happens

No, because both DH and I work.

Try it!

sometimes##i left it of a even adding it was pointless CB will be inclided in the cap so tahts still only 26000

cottonmouth i did work and so did my then hubby

oh and guess you not read what i Said about discounting the fact I am registered disabled so tic that where the sun dont shine

But you think im lazy and yes i admit i left the rest out 4 kids one with sn marriage collapses so find myself sp carer of ds3 , and then find myself disabled payalised from teh waist down .

still think im lazy but under pip that is what will happen as i use a wheelchair im not going to be classed as disabled any more so no extemption from the cap

but still will have the expense without protection ( but thats another arguement ) but it does show how easy it is to go from a comortable lifestyle to having to rely on benefit

that can happen to anyone ,trust me this did not feature in my life plans

both DH and I work as well. Doesn't stop me recognising that some people can't work, due to their own disabilities or their children(s)'s, or that education wise or adaptation wise a move to another area can be a v bad idea indeed.