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Surviving on benefits - could you?

I am not advocating living on benefits but for some in some situations it is essential and their only form of income. Right now, I live on £130 per week for a family of three, four on the weekends with my fiance's toddler son and soon to be a brand new baby in three weeks time. We weren't expecting to be in this position - I had a great job at home working full-time hours whenever I fancied (2-3am sometimes to make ends meet), he had a part-time job in a bar while he studied and within a week we both lost our jobs with no redundancy pay when I was 20 weeks pregnant.

I resigned myself to benefits since being a high-risk pregnancy I was advised to take maternity leave early and I have a two year old so working out of the home without a lot of money being spent into childcare wasn't an option and that's if someone would even hire me! We thought we'd be fine with him working part-time because bar jobs are ten a penny in a university city: WRONG. Despite him having worked and held down jobs for seven years with no more than a two month break in between, despite excellent references and experiences in everything from sales, labouring and bar work he was lucky to be called to interview.

So we find ourselves a family willing to work on benefits of £130 a week to pay £10 rent a week, gas, electric, water, our debt, tv licence, food, cleaning supplies, things for our baby and transport. Neither of us own a car since we can't afford to so we rely on paying public transport and walking and we still find it a struggle to make it through the week.

Could you survive on £130 a week with a family to provide for? I'm managing money successfully so far even though it's a struggle but I'd LOVE to be one of those families on benefits who the papers write about as being well off and living well :/. How do you survive on benefits? Do you cut corners with your bills? Do you shop around? Do you live on the bare essentials?

Update:

I forgot to mention my fiance is a student studying to become an electrician so is in college Monday to Friday from 9am to 4pm so can only work in the evenings and on the weekend hence the bar jobs he's been applying for. A lot of night jobs won't take him since we don't own a car. Because of this he doesn't get any benefits whatsoever.

Update 2:

My partner worked for a labouring company from the ages of 18 to 22 in the days and worked as a salesman on the weekends. He had two jobs running side by side for those four years. In the past three he also worked nights in a bar alongside his labouring job. He had to quit labouring when he became a student meaning he was working his bar job on top of being a student. It's not like he was chopping and changing companies constantly - he was supporting our family plus his own family who were struggling to make ends meet and clearing his own debt.

I was working full-time hours and only working those extra hours into the early morning when I had things to do with my daughter at home. Being a stay at home mum with no childcare and working full-time often means taking time out to care for the children in the day and working into the night to make up the hours or else I would have lost my job.

8 Answers

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  • 1 decade ago
    Favorite Answer

    We had to for a while when my partners work closed down, it took him over 6 months to find another job and our savings disappeared really quickly.

    Because his job was quite good money we got a place that the rent was above average. So when he lost his job we really struggled...we had $40 Australian a fortnight after we payed the rent to put on food, bills and fuel.

    We practically lived off noodles and toast. We had cheap meals like spaghetti bog for dinner, and we cooked in bulk so we ate the same thing about 3 nights in a row. It's really hard to eat healthily with much money aswell, so we didn't really feel that great.

    It really played on our relationship. We could barely leave the house because we had no fuel, so we were stuck with each other all day everyday, bored, feeling like crap, and really snappy at each other.

    We also had to borrow heaps of money from my mum to cover bills, which makes you feel pretty low.

    So we survided, you have to, but barely, it has a huge physical and emotion effect. It probably wouldn't have been so bad if our rent wasn't so high though :-/

  • tt
    Lv 4
    1 decade ago

    hi,are you sure you are getting everything you should? because i was on income support for 6 months 2 years ago after being made redundant and i had £123 a week plus 20 a week of child benefit . Are you claiming child tax credit too? you should.

    I never Judge people like you and me.my brother in law just lost his £30 000 a year job and he has not have been able to get one for 8 weeks now,not even a £10000 a year one.

    I think the answer is I can if if i need too,but it is hard as you know it

  • 1 decade ago

    So you get child's tax credits, child benefit and housing benefit.

    My outgoings come way under £130 a week, excluding rent (full housing benefit until my maternity leave is up) and I also have a family of three. I don't think it's too unreasonable.

    We don't smoke or drink which helps A LOT. I know so many families on benefits who smoke and drink and then complain they don't have any change at the end of the week.

  • i'm in a simalar situation to you my partner just got made redundant last week without pay and he had to claim jobseekers allowance and child tax credits his final wage has just run out and were waiting on job seekers to come through we have 2 sons 5 and 7 and due a baby at christmas it will be a few weeks before i can say how we're managing on benifits but i can honestly say we're not 1 of the well of on benifits the papers are talking about i'm just so glad we sorted christmas and the baby's stuff before this happened and hopefully he will get a job soon

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  • Anonymous
    1 decade ago

    University cities may have a lot of bar jobs but they also have a lot of students applying for them.

    I'm not sure why you think seven years of flitting between widely varying jobs would make your fiance an attractive interview candidate. I'd imagine most employers would want someone they think would stay for a while.

    Could we survive on £130 a week? No. Which is why we waited until we had graduated and were in stable careers until we had kids. Having a _second_ kid while this uncertain financially is just completely alien to me, I'm afraid. Having to work until 3 am to "make ends meet" is _desperately_ financially unstable. Didn't this occur to you? You seem to think your situation was stable and normal. What were you planning to do when the baby was born if you _hadn't_ lost your job?

  • 1 decade ago

    It's people like you who deserve the benefits but sadly, they are squandered on the scum of our society who have no intentions of contributing anything at any point in their miserable lives, instead happy to scrounge forever, working on the side if need be to top up their benefit income.

    I feel bad for you, but it won't be forever hun, your fiance will get a decent wage when he qualifies so hang on in there and take pride knowing that you, unlike most, are not happy living on benefits.

    Good luck.

  • liz
    Lv 7
    1 decade ago

    I am a single parent living on £65 a week.

  • 1 decade ago

    I wouldn't have got pregnant.

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