No point working - why not just go on benefits?

Jowo_2

20 year old earns the minimum wage for a 35 hour job so £155 per week after tax, lives in a shared house costing £80 per week (LHA rate of £80 pw), spends £20 a week on travel and has a council tax contribution of £10 per week (assumed CT is £120 split across 3 tenants). They will qualify for tax credits of £33 per week and HB of £15 per week.

Therefore, income is £203 per week from employment and benefits, and they are left with £93 a week after their after basic expenses (travel, CT and rent). On JSA they would receive approx £50 per week.

So the person in employment could either think 'great, I've got almost twice the disposable income as someone on JSA' or 'It's not worth working for the equivalent of £1.40 an hour in a job I don't really enjoy' compared to getting benefits.

Le_Chuck

ukcarper wrote: »

The LHA they would get would depend on the age and sex of their children and where they are. Where I live LHA for 2-bed house is £173 per week and a 3-bed is £213.

To qualify for 3 bed the children would have to be a boy and girl and the oldest would need to be 10.

??? - I was on about the £1,800 per year council tax, which would be band G or H in most areas & the £850 a month rent which would get a lot of house in most areas outside London. For a not so well off couple with 2 kids is unrealistic irrespective of age or gender.

ukcarper

Le_Chuck wrote: »

??? - I was on about the £1,800 per year council tax, which would be band G or H in most areas & the £850 a month rent which would get a lot of house in most areas outside London. For a not so well off couple with 2 kids is unrealistic irrespective of age or gender.

I live about 35 miles from London band E council tax £1850, 2 bed house £800 a month 3 bed £900

diable

SingleSue wrote: »

Wasn't a factor in mine becoming a single parent home....nope, that was completely down to thinking another woman's T1Ts were better than mine!

But I do get your point......

fixed ;o)))))))

diable

grimsalve wrote: »

Can anyone recommend a good website to find someone like that?


BTW, it seems a bit unfair that some of the benefits are dependant on how much savings I have - if I've worked and been sensible enough to put a bit of money aside (from my wages that I've already paid NI, PAYE, etc.) then why does the benefits system expect me to cough up for things out of my savings if I get sacked?

Might as well just go and blow the lot on cheap wine and loose women now (which might solve the problem of not having any kids to claim extra benefits for).

https://www.chavdatingdirect.co.uk

diable

I was made redundant after working for about 29 years in various jobs, I played the system for 11 months and had fun not working and just existing and played the system, milking it, relaxing and having fun, recharging my batteries then I realised I was becomming lazy and wanted more so went out and found a job. m I happier? nope but I have more money for spending on fun things ;o))))

Ilya_Ilyich

grimsalve wrote: »

BTW, it seems a bit unfair that some of the benefits are dependant on how much savings I have - if I've worked and been sensible enough to put a bit of money aside (from my wages that I've already paid NI, PAYE, etc.) then why does the benefits system expect me to cough up for things out of my savings if I get sacked?

Might as well just go and blow the lot on cheap wine and loose women now (which might solve the problem of not having any kids to claim extra benefits for).

I guess the point is that acting like that is taking advantage of the generosity of your fellow man and behaving in such a way purely out of greed would make you a terrible person.

grimsalve

Ilya_Ilyich wrote: »

I guess the point is that acting like that is taking advantage of the generosity of your fellow man and behaving in such a way purely out of greed would make you a terrible person.

"generosity"? :huh:

If so then it seems like there's a lot of people out there who don't really care about being thought of as a "terrible person", why should I?

SingleSue

diable wrote: »

fixed ;o)))))))

That made me giggle like a school girl.....my upper charms are not that unimpressive.

quantic

Random question, is it possible to get Credit Cards and loans while on benefits? I know someone who's parents are on benefits (have not worked a job in 20 years) and they have roughly 35k in CC/loans. I don't understand how they have managed this, surely they wont have to replay it either, if they have no means.