Mums on housing benefit / universal credit
How do you ever get out of the cycle? If you work and slowly save over years to maybe one day break the cycle and purchase your own property but then as soon as you hit £6k in saving your benefits decrease then stop completely at £16k. You’ll never be able to own anything if you’re having to pay a privately rented accomodation by yourself with no help but if you recieve help you’ll have to recieve it forever cause you’ll never be able to save to buy? So confused
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It’s crazy isn’t it! Work hard, saving as much as humanly possible, paying taxes too and you’re penalised for it. No advice but I understand your frustration!
Does it count as savings if you put them in a help to buy ISA or in gov bonds?
Any money in your name is considered savings
Basically they’ll make sure you never get out the cycle then complain everyone’s on benefits so strange
It’s really hard especially if you are private renting as it’s so expensive you likely need the extra support from UC. I bought a shared ownership house so that is an option as you don’t need as large deposit and you still get help with your rent if you are low income. Maybe look into this?
I would have but I’m not currently working so although I have a large deposit I can’t do much without work (I have a small baby)
You literally cannot save on uc because the second you have even £1 in a savings account they start cutting what they give you and then you can’t afford your bills. I feel so stuck
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Feeling lonely
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Mums on housing benefit / universal credit
How do you ever get out of the cycle? If you work and slowly save over years to maybe one day break the cycle and purchase your own property but then as soon as you hit £6k in saving your benefits decrease then stop completely at £16k. You’ll never be able to own anything if you’re having to pay a privately rented accomodation by yourself with no help but if you recieve help you’ll have to recieve it forever cause you’ll never be able to save to buy? So confused
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