lovecorrie - if you hadn't bought your own home (that's the key there) and were in a private rent then you would also be getting help with rent. You may still (depending on his income) get some council tax benefit, your tax credits will increase, you will still get child benefit.
The cost of living has increased far quicker than salaries. in 2000 the price of a loaf of bread was 52p..........minimum wage was £3.70, today minimum wage £5.93 - average price for a loaf of bread is around £1.30 - you do the maths.
10yrs ago exH was bringing home under £1k a month. We had one child, (still in nappies). The only benefit we got was child benefit. Living in the south of England (1 hour north of London - prime commuting land at the time). On that salary we ran a car, ate good quality food, had a holiday, and lived very comfortably. Now - well that just under £1k a month would only just cover the rent, basic bills and food (I've actually just found the exact house we rented on right move
!). Nothing extra at all, no leeway, no holiday, no car.
Fact is wags have not increased with the cost of basic living.
and - going back to SAF and I's discussion about housing benefit, we are of course assuming there that the person is eligible for benefit in the first place. Many peple aren't allowed to claim benefits. My exSIL and her DH bought there first house in the UK while still on work visas, they didn't have leave to remain, they were not allowed to claim any benefits if the shit hit the fan. Thankfully for them it didn't, but if it had done after they'd bought their first house they would have been left with no means of escape unless they could sell their house (for a profit).
Of course it's also easy to say that they find out information easily on where to get help if they do qualify, but how do they do that? 7 million households in the UK have no internet access, I rarely watch TV these days, but when I did I don't ever recall (apart from tax credits) seeing any information on how to go a about getting help.
And UK literacy are quite shocking really - these are old figures - but relevant all the same I think (and perhaps shows it's not all Labour's fault
)
"In 2001, the former Department for Education and Skills launched the Skills for Life strategy with the aim of helping 2.25 million adults by 2010. Two years later, it established by survey that 75% of the working-age adult population had numeracy skills below the level of a good pass at GCSE and 56% had similar literacy skills."
Now - I have good literacy skills (I know they don't show in my writing/typing
) and have been "in the system" for too long a while now, and even I find some of the information about benefits baffling. You need confidence (and self esteem) to be able to push for information, and that and literacy skills to be able o navigate the system and fill in the forms.
You need hope, confidence, aspirations, good access to services and, sometimes, just a stroke of luck, to get you out of poverty.