Universal Credit

Discussion in 'Bulletin Board' started by portsmouth tyke, Dec 3, 2018.

  1. Burgundy Red

    Burgundy Red Well-Known Member

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    The two are not mutually exclusive.
     
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  2. Jimmy cricket

    Jimmy cricket Well-Known Member

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  3. Jimmy cricket

    Jimmy cricket Well-Known Member

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  4. shenk1

    shenk1 Well-Known Member

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    Unfortunately Jimmy, the posters that really need to read these stories have already cast their prejudged opinions, ignored the real situations people are in, pulled the ladder up and gone on their merry way.

    I hope they remember that luck can be a very fickle thing.
     
  5. DEE

    DEETEE Well-Known Member

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    It all depends on what you define poverty as...

    Like ive said the definitions are that blurred and embellished these days its very hard to tell genuine cases from those dragged into the mire by charity X's figures...
     
  6. DEE

    DEETEE Well-Known Member

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    It all depends on what you define poverty as...

    Like ive said the definitions are that blurred and embellished these days its very hard to tell genuine cases from those dragged into the mire by charity X's figures...
     
  7. shenk1

    shenk1 Well-Known Member

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    We live in a rich country where the word shouldn't exist.

    People who live in areas where a roof over your head costs a fortune means that although they may have more money than someone,say, from Barnsley where that similar roof is a fraction of the price, they will have much less disposable income to spend on luxuries like food, warmth and clothing.
     
  8. DEE

    DEETEE Well-Known Member

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    A nesscescity is a roof over your head. Being able to heat and light it. Food on the table. Clothes on your back.

    Anything barring the odd exception is a luxury.

    Ive worked in the debt industry for the best part of a decade.

    Both sides of the fence.

    Although there are a few genuine cases where a family is in actual poverty and needs help the overwhelming majority seem to have little understanding over the value of money...

    Its frightening.
     
  9. shenk1

    shenk1 Well-Known Member

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    I'm 51...my dad never had a bank account until made redundant. I was "taught" to save up for things....if you haven't the money, don't buy it. The debts we've had (mortgage, car) have been paid off early, (never had a credit card) that's why we can afford luxuries like holidays now.

    Different era now with credit to easy to come by and no inbuilt urgency to clear debts....yes it should be taught in schools.

    Unfortunately though to some people after paying for the roof those necessities become luxuries.
     
  10. Jimmy cricket

    Jimmy cricket Well-Known Member

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    You have an example I think if you warning 27k. If you lived in London with a family of 3 as sole earners pay average rate for a 3 bed house of a grand a month you would absolutely be in poverty.

    It’s not a few isolated cases. You do not know better than the JRF.
     
  11. Marlon

    Marlon Well-Known Member

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  12. Dra

    Drama Queen Member

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    £27,000 is for a family comprising two parents and two kids, or a single parent with one kid. I can easily imagine that you're single, but I'm guessing you don't fit into either of the above categories.
     
  13. Sco

    Scoff Well-Known Member

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    Many young people go to university, where they *have* to borrow the money to pay for the course (students loans). So we are starting our kids out seeing that debt is a good thing...

    The average salary in the UK is around £28k. It was £27,600 in 2015.
     
  14. shenk1

    shenk1 Well-Known Member

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    I wouldn't have gone due to that (and being thick :D ) regardless of how much or how long you have to pay it back.
     
  15. David_Upper_East

    David_Upper_East Active Member

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    Benefits are for people in need, not in greed.. Unfortunately there is a small minority of people who will try to abuse the system and claim fraudulently, or who have no inclination to want to work, or spend the money on alcohol, tobacco, consumer luxuries etc etc. We are judged as a society, by how we treat the weakest members of it. There has to be a safety net to protect the most vulnerable - and we need to do as much as possible to help people to help themselves. The low paid have the fewest choices in life, poor access to banking and are preyed on by loan sharks, buy to let landlords and other people who feed from them, as well as low educational and health standards. It's a vicious cycle.
     
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  16. Marlon

    Marlon Well-Known Member

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    Also the powers that be would rather use resources to curtail benefits for the needy rather than stop the loopholes for the Tax evaders/avoiders who cost the country hundred times more than is saved withholding benefits .
    There are laws already in place for benefit cheats but yet the govt would rather use time and money denying benefits as if everyone’s cheating yet do underneathing deals or ignore the billions list in dodging ,
     
  17. Jimmy cricket

    Jimmy cricket Well-Known Member

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