To answer uwila's question earlier about a couple on 70k and whether at some stage they must question whether it is worth working.
Yes, we are on less than 70k in London - not Central London, an unfashionable middle of the road suburb of London, less expensive than either London proper or Surrey.
We both have professional jobs. We saved hard, worked hard to get promoted, and only then could we afford to take our first tiny step on the housing "ladder" - a 2 bed flat.
The mortgage is about the same as rent in the area would be, and we have one car, modest camping holidays, shop at Lidl etc etc.
Back to the question - do we get tempted to give it all up and go onto benefits? Yes. I am not blue sky thinking about some hypothetical situation. My friend managed to get a 2 bed flat from the council and is periodically in receipt of all kinds of benefits, including incapacity benefit.
She has had the privelege of looking after her children at home, something we could never afford to do. Their family go on better holidays than us, and seem to have more disposable income. The rent is less than half what we pay, and they do not seem poor.
I don't resent her choices at all - I believe that she has carved out a life for herself in a very difficult era for young families. But what are we doing - are we crazy to hold down stressful jobs for virtually no improvement in living standards?
The systemic problem is that it is too expensive to afford housing and childcare, which forces people into invidious choices. Can anyone argue to me why single parents should be exclusively able to look after their children at home?
They never force anyone into a job that would make them worse off. The tax credits available to single parents are designed with that in mind. In fact as I remember from one of my other friends, they pay 70% of her childcare costs, and she is on well over 30k per annum.