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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:
GiaGia16 · 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.

Happy not to, you just carry on with your raging to nobody. And stop using autism as an excuse.

AguNwaanyi · Yesterday 16:10

ForWittyTealOP · Yesterday 14:45

Please do not police or try to shame me. You are not obliged to respond to or interact with me. Stop harassing me now. You can have your final word, then you can completely ignore me and I'll do likewise.

They are on here spreading ableist talking points in a manner that would make the third reich proud, but it's being direct that is rude and crossing the line for them.

bafta16 · Yesterday 16:16

flapjackfairy · Yesterday 15:22

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

Shag away. But don't have a very large family when you already have 2 or 3 children with additional needs. Don't sit there and expect to be financed by others.
Radical thought....We are not all entitled to everything we want.

ForWittyTealOP · Yesterday 16:17

gamerchick · Yesterday 16:08

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

Oh and another one! Lining up to disapprove.

ForWittyTealOP · Yesterday 16:18

AguNwaanyi · Yesterday 16:10

They are on here spreading ableist talking points in a manner that would make the third reich proud, but it's being direct that is rude and crossing the line for them.

Yes it's incongruous isn't it?

bafta16 · Yesterday 16:19

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

bafta16 · Yesterday 16:20

sorry for typos.

ForWittyTealOP · Yesterday 16:23

bafta16 · Yesterday 16:20

sorry for typos.

Not sure that's the thing you should be sorry for tbh.

TheLandlordsAreFrowning · Yesterday 16:23

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

At least the Victorians were upfront about their ableism.

StartingFreshFor2026 · Yesterday 16:26

This thread is getting seriously weird now.

bafta16 · Yesterday 16:30

ForWittyTealOP · Yesterday 16:23

Not sure that's the thing you should be sorry for tbh.

I'm happy to discuss?

ForWittyTealOP · Yesterday 16:32

bafta16 · Yesterday 16:30

I'm happy to discuss?

Your post was deleted.

bafta16 · Yesterday 16:35

re reading the OP, it must be a very tough situation. I'm sure most people can relate to a sense that they expected one scenario and ended up with another.

bafta16 · Yesterday 16:36

ForWittyTealOP · Yesterday 16:32

Your post was deleted.

OK. I do thing the safety net should be just that. A way for people to get back on their feet when times are tough.

ForWittyTealOP · Yesterday 16:40

bafta16 · Yesterday 16:36

OK. I do thing the safety net should be just that. A way for people to get back on their feet when times are tough.

That's not what you said though is it? Be honest.

bafta16 · Yesterday 17:46

ForWittyTealOP · Yesterday 16:40

That's not what you said though is it? Be honest.

I talked about the pendulum swinging too far. Obviously I can't repeat it as it willl be deleted.

I don't understand why a family would add to an already tricky situation with more children.

Kirbert2 · Yesterday 17:53

Autumngirl5 · Yesterday 16:08

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.

Forcing both parents of disabled children to work would cost more than allowing one to be a carer.

ForWittyTealOP · Yesterday 17:55

bafta16 · Yesterday 17:46

I talked about the pendulum swinging too far. Obviously I can't repeat it as it willl be deleted.

I don't understand why a family would add to an already tricky situation with more children.

You can't repeat it because it was deleted for a reason. It was nasty stuff to be saying. Why would I want to debate that with you? What is to debate?

caringcarer · Yesterday 18:10

HobGobblynne · 26/05/2026 14:10

Perhaps they can't come home by train, we don't know the nature of their disability but if it's physical, trains aren't always accessible and certainly not when travelling alone.

No student needs to go home 9 times in an academic year of 7-8 months.

Northermcharn · Yesterday 18:12

caringcarer · Yesterday 18:10

No student needs to go home 9 times in an academic year of 7-8 months.

And if they do - they really shouldn't be at a uni so away from home. It's another poor choice.

bafta16 · Yesterday 18:18

ForWittyTealOP · Yesterday 17:55

You can't repeat it because it was deleted for a reason. It was nasty stuff to be saying. Why would I want to debate that with you? What is to debate?

It has swung,nobody should be excluded. But sensible choices have to be made.
It wasn't nasty.

bafta16 · Yesterday 18:19

Northermcharn · Yesterday 18:12

And if they do - they really shouldn't be at a uni so away from home. It's another poor choice.

Thats absolutely ridiculous. How is this being funded?

Northermcharn · Yesterday 18:25

bafta16 · Yesterday 18:19

Thats absolutely ridiculous. How is this being funded?

By the tax payer ofc

eta - and it's not really about the op is it - its about the failures of the tax / benefits / education system she represents

ChunkyMonkey36 · Yesterday 18:27

Theres a lot of talk on this thread about choices that have already been made, and children that are already here.

Anyone with any actual constructive advice apart from “make a time machine, go back in time, have less kids”?

Because that’s really just useless, aimless bashing.

Northermcharn · Yesterday 18:28

Student loans..
The Government (Taxpayers): The government funds the initial loans. Furthermore, under systems like the UK's, any outstanding loan balance that remains unpaid after 40 years is legally written off. The remaining balance is ultimately absorbed by taxpayers

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