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Original poster

Universal Credit

12 replies

MissB19 · 27/02/2020 11:28

Good morning Mummies,

I am after some advice. I am currently on very low income and receiving UC.

As such I am wanting to find a job/work.

I am trying to figure out which is the best way to do so. Truthfully to get as much help as possible.

I am a single mum. Living in my own mortgaged property.

I have been told my friends that I should work 16 hours a week and not earn over £600 gross per week.

I am a little confused as not used to UC etc.

If anyone could advise that would be amazing.

Thank you xx

OP posts:

MyDcAreMarvel · 27/02/2020 11:35

I don’t understand what you want help with? Can you be more specific.

DuchessOfBeddington · 27/02/2020 11:41

I think she wants help to know how many hours to do to maximise her income/benefits.

DuchessOfBeddington · 27/02/2020 11:42

I think for people to advise you they may need to know the age/s of your DC first!!

Original poster

MissB19 · 27/02/2020 11:50

My baby is 10 months old. I only have one child.

I live alone. I get no CM from her father.

Yeah sorry that is what I am wondering. To get the maximum benefits.

Sorry X

OP posts:

Mariagatzs12 · 27/02/2020 11:53

If you own (which you do) you'll never get as much help as someone who rents. So for example, one income of 21k with rent and two kids (me not working) bring in £900. Same scenario, but with a mortgage, we get £300.

TitaniaQoF · 27/02/2020 12:03

Ignore the 16 hours etc advice from your friends. Doesn’t work like that on UC. You are best off working as many hours as you can xx

Original poster

MissB19 · 27/02/2020 12:15

Thank you.

It’s all abit confusing.

Do you know if I would get help towards childcare costs? Xx

OP posts:

Mariagatzs12 · 27/02/2020 12:24

Yes, you get up to 85% of £650. So £500 and change.

Original poster

MissB19 · 27/02/2020 12:33

@Mariagatzs12 thank you xx

OP posts:

Original poster

MissB19 · 27/02/2020 12:34

@TitaniaQoF I thought that but then I got told uc take £1 off you everything extra I make x

OP posts:

Mariagatzs12 · 27/02/2020 12:37

The "they take a pound" is a fallacy. You still keep your salary intact. The UC becomes a top up. As you are in mortgaged property you'll always be better off working.

OddBoots · 27/02/2020 12:39

You're best popping your details into a benefit calculator and tweaking the numbers around to see how changes make a difference. The main thing with UC though is that it is intended to work so that the more you work the more you get, there is a taper but it isn't 100%, you will be better off if you earn more.

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