Page 4 | Universal credit and spending on luxuries

Paulajane40 · 2025-05-11T17:10:43+00:00

Savings between 6-16k so have deductions , is it ok to use around 2k - 2.5k of savings to buy luxury items for big birthdays and big events eg eldest finishing GCSE. Eg Tiffany , Gucci . All bills are paid and no other major outgoings for those months . I worry as some say your not allowed to spend on big purchases etc doing so will still keep me above 12k so will have deductions still which I’m fine with

spicemaiden · 14/05/2025 07:13

Paulajane40 · 14/05/2025 06:22

It is genuine, I was asking because I am fairly new to uc as already stated .
I do not normally buy big purchases and saved for years and I wanted to treat dd who has had a tough few years with health conditions finishing gcse and 16th birthday .

it was genuine and thank you to all who have responded nicely and gave advice

I did not realise it was a subject to avoid on here .

As said i am buying the items as it’s from my savings account and if they ask I’ll tell them why etc I was told worse that will happen is they will still treat me as if I had that money so deductions would be the same .

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You’ll get a lot of ignorance and pearl clutching and people feeling they have a right to demand how ice claimants live their lives on here because they’re ’tax payers’ and assume benefits claimants are on the take. Ignore them. Most of them are so ignorant on how yhd sustem works and prefer to get their info from shock headlines and benefits street tv

Bromptotoo · 14/05/2025 11:09

Anusername · 13/05/2025 21:57

i had a look at the government guidelines so I understand that you can have some savings. But to buy luxuries using tax payers money doesn’t sound right, does it? Effectively OP gets the payment from tax payers through government in order to keep their savings.

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Benefits pay you what the law says you need to live on. No more.

If a claimant manages to live on that AND have something left over it's none of your damn business how it's spent.

XenoBitch · 14/05/2025 22:07

Bromptotoo · 14/05/2025 11:09

Benefits pay you what the law says you need to live on. No more.

If a claimant manages to live on that AND have something left over it's none of your damn business how it's spent.

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You would hope so... I am on UC and got to Costa every so often. I got told on here that going to Costa means I am on too much, and I should somehow (how, I do not know), pay it back.
It is ok. I have ordered some sack cloth from Amazon, and have a subscription to Huel. I don't need real food anyway or clothing anyway.

TheLimeQuail · 14/05/2025 22:27

XenoBitch · 14/05/2025 22:07

You would hope so... I am on UC and got to Costa every so often. I got told on here that going to Costa means I am on too much, and I should somehow (how, I do not know), pay it back.
It is ok. I have ordered some sack cloth from Amazon, and have a subscription to Huel. I don't need real food anyway or clothing anyway.

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Getting a drink from Costa isn’t comparable to spending £2k of accumulated benefit money on Gucci

XenoBitch · 14/05/2025 22:32

TheLimeQuail · 14/05/2025 22:27

Getting a drink from Costa isn’t comparable to spending £2k of accumulated benefit money on Gucci

Edited

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OP said it is from her savings and not accumulated from UC.

daisychain01 · 16/05/2025 05:07

Paulajane40 · 14/05/2025 06:22

It is genuine, I was asking because I am fairly new to uc as already stated .
I do not normally buy big purchases and saved for years and I wanted to treat dd who has had a tough few years with health conditions finishing gcse and 16th birthday .

it was genuine and thank you to all who have responded nicely and gave advice

I did not realise it was a subject to avoid on here .

As said i am buying the items as it’s from my savings account and if they ask I’ll tell them why etc I was told worse that will happen is they will still treat me as if I had that money so deductions would be the same .

Show quote history

I did not realise it was a subject to avoid on here

Just to be clear @Paulajane40 it isn't a subject to be avoided, but it's clueless talking about designer brands like Gucci and Tiffany in the same post as benefits (and you probably don't really need it spelt out to you). Tin-eared.

stop being obtuse.

Richypoor · 03/01/2026 17:29

DWP will have access to all bank accounts this year. A banking alogarithm will flag large purchases or large deposit. This will notify DWP to investigate on where the money came from and/or what it was being spent on. Expect questions. If they deem it to be a luxury item being spent on, knowing goverment bodies they will automatically class it as deprivation of capital if on UC. If you receive a large income deposit that is not regular and not on UC but working. It will still be flagged and DWP will snoop incase you need to pay them extra tax. Basically, this government is spying and prying into everyone's lives. They even want to control how much pensioners are allowed to withdraw from their accounts in one go. Control peoples money, you control them and eventually control how they vote and what they say. Getting just like China! Meanwhile, all the extra money they squeeze back from the poor and disabled,is being spent on housing illegal immigrants and giving them living expenses with no checks whatsoever. This country is lost.

XenoBitch · 03/01/2026 18:27

Richypoor · 03/01/2026 17:29

DWP will have access to all bank accounts this year. A banking alogarithm will flag large purchases or large deposit. This will notify DWP to investigate on where the money came from and/or what it was being spent on. Expect questions. If they deem it to be a luxury item being spent on, knowing goverment bodies they will automatically class it as deprivation of capital if on UC. If you receive a large income deposit that is not regular and not on UC but working. It will still be flagged and DWP will snoop incase you need to pay them extra tax. Basically, this government is spying and prying into everyone's lives. They even want to control how much pensioners are allowed to withdraw from their accounts in one go. Control peoples money, you control them and eventually control how they vote and what they say. Getting just like China! Meanwhile, all the extra money they squeeze back from the poor and disabled,is being spent on housing illegal immigrants and giving them living expenses with no checks whatsoever. This country is lost.

It is only DoC if you are above the savings thresholds.