Is it worth working on universal credit?

[boymama82]

We receive UC as my partners wage is classed as low. We own our own home outright and receive approximately £400 a month from them. I'm looking to get back into work on Saturdays Sundays and Mondays when my fiancé is off work as we have an 18 month old and a 2 and a half year old. We don't need the money but I want to get back into work, will my UC be reduced siginificantly?

because its based on income earned from working.

You own your home ,other people who have kids work.
You don't need the money.
This is why some benefits claimants get a bad press.

This

How do you know that they bought their house outright? They could have got a mortgage and paid it off.

You wouldn't be able to claim UC if you had enough to buy a house outright but once the house was bought then assuming your savings are below £16000 you could claim.

I think they don’t get the rent allowance.

Agree. Expecting other taxpayers to fund them is ridiculous.

To be fair to OP's family there are lots of other living costs on top of mortgage or rent so those who own their home outright still need money to live. My bills are around £16k a year after housing costs (council tax, utilities, insurances, transport, food etc.). No UC here though but I understand why families with young children get it.

On such low wages, how did you manage to pay for a home outright?

It strikes me as somewhat of a grift having other taxpayers pay for you just because you don't want to work.

I like seeing my tax money pay for people in need like people who are renting and hardly making ends meet. The single mum who left some abusive tosser. The disabled. The elderly.

With the asset of your house you could draw down enough to pay for childcare and some type of training for 2 years and then you'd end up contributing to society, having a well paid career, money in your pension, plus extras for the kids.

But no, sit around and collect tax payer money.

If you need UC to make ends meet, then surely you do need to work to earn more money, as you currently do not have enough to live on without too ups.

If you are able to work you should absolutely maximise your income and reduce reliance on top ups.

Who takes care of our 18 month old? There isn't a job out there that would cover childcare costs. My partner owned a house which he sold, he bought it with inheritance from his father passing away. Loving all the angry comments, we claim uc because partners wage is classed as low, it doesn't matter that we own the house as you can't spend a house! I've worked from being 16 and I'm now 40

Exactly. Is the OP supposed to sell the roof over their head and live off the proceeds til it's all gone? They still need to live!

You specifically asked if it's worth taking a job on the days your partner isn't working, so no childcare concerns. Hence you absolutely should work on those days to maximum your households earned income, regardless of "what they will take away from uc".

https://www.childcarechoices.gov.uk/?utmsource=Search+&utmmmedium=RSA&utmcampaign=CC&gclid=Cj0KCQiAutyfBhCMARIsAMgcRJStnYJHHTlg2Fx81nCB0gLcC4qk6mqf3Ob76c8GOt7iwdKTKSqpPdgaAlyoEALwwwcB

I would personally work and claim what I could alongside it.
Owning the house is irrelevant, just crack on with what you are entitled to.
Good luck hope ot balances out well for you

Ignore the hateful comments. You're saving universal credit as if you didn't own your home they would be helping towards rent and council tax.

They have an asset. Bought and paid for. In theory they could sell and downsize to free up money. Most people don't have their options.

Can I just say I have a 14 month old who goes to a childminder from 07:30-16:30 two days a week and the maximum I have to put to that is £40 a month 85% is paid for me. So where you’ve said there’s no childcare that’ll do that there is. You’ll have to do your research and everything but it sure is doable.

my partner and I live seperately and overall he pays me £160 a month towards our child and also buys her things. I work 1.5 hours per day term time only and it works. Admittedly right now I work below the allowance of £344 so they do not touch my wages with the 55p of every pound but even when I was prior to this job I was always better off working. I get just shy of £2k a month and I pay rent, childcare for a car and bills food and what ever we need out of that.

85% of childcare costs are covered by universal credit.

Not if there are two full time working parents. Their household income would likely be too high to claim.

Sounds like you're scamming the system with a piece of shit partner.

Jesus and we wonder why the country is going to shit!! In work benefits, suppressing wages and allowing people to make lifestyle decisions based on the taxpayers dollar!!

We don't have housing costs we bought outright so are in a good position

Then you shouldn't be claiming UC.

I'm on UC at £334 per month. I have a health condition.

Where's my "Woo yay!"

@GreenFingersWouldBeHandy why shouldn't we claim if we can? My partners father died! U can't spend a house!

It's always worth working. The taper rate means you keep 45p for each net pound you earn