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How can we manage financially as Universal Credit support reduces?

1000 replies

elliejjtiny · 26/05/2026 12:19

We have 5 dc aged between 19 and 11 all with disabilities. Dh was a manager up until youngest was born, then he became unwell and had to take a massive pay cut. I'm a Sahm and get carers allowance. We get UC. Dc1 in his first year at uni, dc2 about to start in September.

We are just about managing at the moment but barely. In September we are going to lose the child element of universal credit for dc2 and I'm worried how we are going to manage. When the dc were younger I thought I would be working by now but I'm only getting 4 hours sleep a night and my 11 year old needs constant supervision when not at school so I don't know how I could fit work in. Dh has to work away about 15 weekends a year (from friday morning until late Sunday night) which leaves me completely exhausted each time. We spend 9 weekends a year picking up/dropping off/visiting dc1 and I imagine spending the same amount of time with dc2. There is no childcare for children my dc age with SN and they have to be picked up and dropped off at school. The dc have appointments about once a week on average and dc4 stays in hospital about 1 night a year when I don't get any sleep at all.

Realistically I can't think of any employer who would employ me with the amount of time off I would need and on so little sleep. At the moment I spend the time dc are at school doing the housework, cooking the dinner and trying to catch up on a bit of sleep.

I'm trying to think of anywhere we could save money but I can't think of anything. Dc1 doesn't cost any less money while he is at uni.

OP posts:
HobGobblynne · Yesterday 14:51

Northermcharn · Yesterday 14:29

Why are you talking about your working hours and tax code?

All information I posted is actual data. I know you and others don't like it, cos its facts innit. But here we are.

Source: DWP Benefit Expenditure and Caseload Tables / HM Treasury · Data year: 2024/25 · All figures are statistical estimates calculated from official annual publications

Eta - Bizzarely you and wittyteal aren't included in the data references!

Edited

The data set you're linking to STILL doesn't reference the number of people fraudulently claiming becuase the DWP simply don't measure fraud in that way.

I'm not disputing the amounts (for the second time). I just take objection to you presenting your interpretation (ie - well if its £8bn that sounds like a lot of people doesn't it) as fact.

GiaGia16 · Yesterday 14:55

ForWittyTealOP · Yesterday 14:37

Well I'm direct. Do you want me to apologise for being autistic?

You are actually rude.

Northermcharn · Yesterday 15:09

ChunkyMonkey36 · Yesterday 14:41

@Northermcharn

Make sure I get paid, a lot of money. On which I'll pay a lot of tax.

That was some nauseating humble bragging you did there. Almost laughably so. Almost.

Oh it wasn't a humble brag babe. It was a fact. Loud and clear.

Northermcharn · Yesterday 15:09

HobGobblynne · Yesterday 14:51

The data set you're linking to STILL doesn't reference the number of people fraudulently claiming becuase the DWP simply don't measure fraud in that way.

I'm not disputing the amounts (for the second time). I just take objection to you presenting your interpretation (ie - well if its £8bn that sounds like a lot of people doesn't it) as fact.

Ok and 2+2= 5, if you like..

Northermcharn · Yesterday 15:10

HobGobblynne · Yesterday 14:49

@Northermcharn this is why i mentioned my working hours and tax code, as you well know.

Didn't make sense. I never mentioned either.

Monty36 · Yesterday 15:11

Diamond7272 · Yesterday 11:04

God, imagine if the husbands employer decided to sell the company properties..

Then these freeloaders would really have their begging bowls out... Without, naturally considering paying for their own children, or it seems themselves.

If he's earning less money than he did 11 yrs ago, how? The minimum wage has doubled in that time, so he's doing half the hours he used to... What's that, 10 a week? 5?

And all these excuses about how hard it is to find a job... Rubbish. There's a job in every care home in the country. There's lots of cleaning. This is, after all, for a woman who's done nothing work related for decades. She's hardly CEO material is she?

Pay for your own kids, stop reproducing! Get a hobby.

Would you kindly not bark at me. I was pointing out something factual. In response to someone else had said she did not have to pay rent on her property. And explaining that she may well have to do so.
Or it may be taxed. I offered no opinion on her situation. And got treated to a barrage.

She has explained before her husband had a breakdown. So has a reduced pay as is probably doing a job with less responsibilities. He works.

Northermcharn · Yesterday 15:19

Viviennemary · Yesterday 14:46

I agree with some of your points. I won't be voting Labour since they ducked out of benefits reform. Not sure about Conservatives. I like Kemi but the Tories seem to have had their day.

But whom else is there left to vote for?

ChunkyMonkey36 · Yesterday 15:22

Northermcharn · Yesterday 15:09

Oh it wasn't a humble brag babe. It was a fact. Loud and clear.

Sorry, a loud and clear brag.

I’m a high earner too, but are perhaps 2 differences between us.

  1. I don’t mind my “lots” of tax going towards supporting people who need it.
  2. Just typing the words “I get paid lots and pay lots of tax” would give me the ick.

I may have it, but there’s more to life than money, and I certainly don’t see it as something to so outwardly pat myself on the back for.

Tacky, babe.

flapjackfairy · Yesterday 15:22

willingtolearn · 26/05/2026 21:15

It's not that they aren't allowed to shag.

It's more that when you are absolutely on your knees with tiredness, totally touched out from endless caring it's not usually a priority.

wow so parents of disabled kids are now expected not to have sex? Maybe sex helps them.to de stress at the end of a difficult day .Who knows? And frankly who cares. Their sex life is no ones business but their own.
But yes how dare they ? They shouldn't expect any sort of normal.life at all.
This thread is bonkers and v offensive on so many levels

Kirbert2 · Yesterday 15:23

converseandjeans · Yesterday 14:50

@PoeticLicense6 I think a lot of us stopped at 1 or 2 children as that was all we could afford. That’s definitely the case for us. I was back at work when first baby was 4 months as DH was newly trained in his career & earning very little. We couldn’t afford a third maternity leave or childminder fees (we got no free hours in those days). So I think it can be difficult to be empathetic when someone chooses to have more than 1 or 2 children knowing they will never be able to support them fully. I would have loved to stay home with mine when they were babies, but would not expect other working people to finance that.

What's the alternative though? Even with 1 or 2 disabled children it can still be impossible to work. I have 1 disabled child and can't work, being a carer to your disabled child isn't the same as being a SAHM.

flapjackfairy · Yesterday 15:25

Northermcharn · Yesterday 15:19

But whom else is there left to vote for?

well give it time and we will no.doubt have a Trump equivalent you.can vote for. Then we can properly start punishing disabled people ! Perhaps detention centres could be established and ICE style agents used to.terify them and ensure that disabled families are having no.fun ( or sex ) at all.

MrsCompayson · Yesterday 15:33

ChunkyMonkey36 · Yesterday 14:41

@Northermcharn

Make sure I get paid, a lot of money. On which I'll pay a lot of tax.

That was some nauseating humble bragging you did there. Almost laughably so. Almost.

I have got abit of a humble brag for Northerncharm,

Benefit fraud as in outright fraud costs higher tax payers (that is people who earn over £50000 up to £125000 are you one of those lucky ones Northerncharm?) about £890 per year. £17 a week..imagine the life you could be living with that extra £890, yachts, holidays, designer brands, whatever you feel you are missing out on now.

Yeah of course £890 is not nothing but it just doesn't seem to make sense to me that you say millions of fraudulent claims when what you really mean is anyone claiming anything you don't think they should be entitled to.

So its the tax system you should be annoyed with not families with disabled children.

Northermcharn · Yesterday 15:34

ChunkyMonkey36 · Yesterday 15:22

Sorry, a loud and clear brag.

I’m a high earner too, but are perhaps 2 differences between us.

  1. I don’t mind my “lots” of tax going towards supporting people who need it.
  2. Just typing the words “I get paid lots and pay lots of tax” would give me the ick.

I may have it, but there’s more to life than money, and I certainly don’t see it as something to so outwardly pat myself on the back for.

Tacky, babe.

You don't understand. I wasn't bragging. You may see it as such, through your warped lens (I'm sorry about that). But there we are. Each to their own.

ForWittyTealOP · Yesterday 15:35

GiaGia16 · Yesterday 14:55

You are actually rude.

And?

Northermcharn · Yesterday 15:35

flapjackfairy · Yesterday 15:25

well give it time and we will no.doubt have a Trump equivalent you.can vote for. Then we can properly start punishing disabled people ! Perhaps detention centres could be established and ICE style agents used to.terify them and ensure that disabled families are having no.fun ( or sex ) at all.

I didn't ask you.

Northermcharn · Yesterday 15:37

MrsCompayson · Yesterday 15:33

I have got abit of a humble brag for Northerncharm,

Benefit fraud as in outright fraud costs higher tax payers (that is people who earn over £50000 up to £125000 are you one of those lucky ones Northerncharm?) about £890 per year. £17 a week..imagine the life you could be living with that extra £890, yachts, holidays, designer brands, whatever you feel you are missing out on now.

Yeah of course £890 is not nothing but it just doesn't seem to make sense to me that you say millions of fraudulent claims when what you really mean is anyone claiming anything you don't think they should be entitled to.

So its the tax system you should be annoyed with not families with disabled children.

You are absolutely correct - it is the tax system that's wrong. Yes.

GiaGia16 · Yesterday 15:40

Northermcharn · Yesterday 15:35

I didn't ask you.

deleted as responded to wrong poster

Northermcharn · Yesterday 15:41

GiaGia16 · Yesterday 15:40

deleted as responded to wrong poster

Edited

Where have I been aggressive?

GiaGia16 · Yesterday 15:41

ForWittyTealOP · Yesterday 15:35

And?

And nothing.

GiaGia16 · Yesterday 15:44

Northermcharn · Yesterday 15:41

Where have I been aggressive?

Sorry not you I was trying to respond to someone else. Too hot!

ForWittyTealOP · Yesterday 15:48

GiaGia16 · Yesterday 15:41

And nothing.

Bit of a pointless comment then.

GiaGia16 · Yesterday 15:55

ForWittyTealOP · Yesterday 15:48

Bit of a pointless comment then.

Not really. Calling out rudeness might make you think more about the tone you’re using in future. I’m not the only person to have commented on it.

ForWittyTealOP · Yesterday 16:03

GiaGia16 · Yesterday 15:55

Not really. Calling out rudeness might make you think more about the tone you’re using in future. I’m not the only person to have commented on it.

Edited

Sorry internet stranger, I won't pretend not to be autistic to make you feel more comfortable. Again, there's zero obligation to engage with me. I'd prefer not to be engaging with you since you have nothing of interest to add. So, like the other one, get your last bit of bile up and then never respond to me again.

gamerchick · Yesterday 16:08

ForWittyTealOP · Yesterday 16:03

Sorry internet stranger, I won't pretend not to be autistic to make you feel more comfortable. Again, there's zero obligation to engage with me. I'd prefer not to be engaging with you since you have nothing of interest to add. So, like the other one, get your last bit of bile up and then never respond to me again.

Being rude to people is nothing to do with being autistic.

Autumngirl5 · Yesterday 16:08

Northermcharn · Yesterday 07:58

I wrote this post yesterday:

Northermcharn · Yesterday 15:05
'I'm so fed up of paying taxes which then pay for other people to e.g. have more children (and not pay tax). Absolutely sick of it. As are millions of others.

Taxes are supposed to help pay for a safety net in benefits, old age, illness etc. This makes sense. We all agree about this (I think).

Benefits are not meant to be there as an assumed way of life.'

This morning I see it has 25+ reactions in agreement. A small sample but a telling one.

The politicians need to wake up - this is why they are practically giving the likes of Reform (whom I don't support, I'll be a Conservative voter in 2029, for the first time. Kemi is excellent) a key to Downing Street.

Very well said. We can’t afford to keep giving people money who could be working.
I have a relative who is 23 and has never had a job … he sits around playing computer games and going to the beach! He has no health issues at all. His girlfriend, a young single mum, doesn’t work either.
Taxes should be used to help support the elderly and those who are genuinely too sick to work.

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