£16k savings reductions

princessdon

You have to realise that in part that your wording in the OP made people assume that you would at some point have £16K and still be in reciept of beneifts, going from a debt situation.

If you had said - I was wondering how the £16K limit works out of curiosity in case I win the lottery or get an inheritance when Aunt Vera dies - the answers would have been a lot less judegemental.

ever

That's a mistake on my part with the wording then, I suppose. But even after explaining that my debt was only £300 and that even if I wanted to my post history shows that I couldn't possibly have or get £16k in savings, there were still judgemental posts that served no purpose whatsoever. Hopefully now that I've more than explained several times and the question has been answered, the non-constructive commentary will cease.

princessdon

I know - and people shouldn't *have* to explain all their personal details

but .. people are human.

There *may* be people answering on here who work 60 hours a week plus, never get time to spend with their families as they are working just to pay bills and keeping their head barely above water who can't manage to save even £1,000 no matter how much they cut back.

Then someone *appears* to imply that they can save £16K whilst not working and on benefits, it's like a red rag to a bull.

I hope your degree goes well and that pretty soon you are off benefits and get a decent well paid job in the future.

ever

I certainly see your point and will be more careful with wording should any future hypothetical questions come to me!

Thank you for the well wishes-- so far so good on the degree. It's hit and miss finding jobs in my area that would find it relevant (I look on the directgov job site a lot out of curiosity for my future!), but when the time comes I look forward to joining the working world once again, relevant field or not!

plum2002

princessdon wrote: »

I know - and people shouldn't *have* to explain all their personal details

but .. people are human.

There *may* be people answering on here who work 60 hours a week plus, never get time to spend with their families as they are working just to pay bills and keeping their head barely above water who can't manage to save even £1,000 no matter how much they cut back.

Then someone *appears* to imply that they can save £16K whilst not working and on benefits, it's like a red rag to a bull.

I hope your degree goes well and that pretty soon you are off benefits and get a decent well paid job in the future.

Lets be completely honest though, there are a few on here that believe that those on benefits are wealthy, a post like the OP's to normal people read as though they were dreaming of a better life in the future, but to those others it was manna from heaven to 'prove' their point. Sad.

princessdon

plum2002 wrote: »

Lets be completely honest though, there are a few on here that believe that those on benefits are wealthy, a post like the OP's to normal people read as though they were dreaming of a better life in the future, but to those others it was manna from heaven to 'prove' their point. Sad.

Well I read OP's post as saving on benefits until they posted it was after graduating etc.

It was a logical assumption by many and given that benefits are too high (for some) with maintenance not counted, it was also a perfectly conceivable situation that could be a reality.

As I said - people are human.

plum2002

princessdon wrote: »

Well I read OP's post as saving on benefits until they posted it was after graduating etc.

It was a logical assumption by many and given that benefits are too high (for some) with maintenance not counted, it was also a perfectly conceivable situation that could be a reality.

As I said - people are human.

I just don't understand what gets people so uptight, half of the 'stories' on here are trolls anyway, do they just like raising their blood pressure or what?

mikey_bach

ever wrote: »

I'm only actually on income support for another year, then I'll be looking for work (at that point I will also have finished my bachelor's degree). Hence why I called the entire post hypothetical and a grand delusion ...

And as far as my debts, it's £300 on a credit card from an emergency this summer. It's not as if I have payday loans out the yin yang for thousands of pounds.

Are you not entitled to a student loan or grant for this degree ????
Do they know that you are a student?
Income Support would take the loan in as income after a small disregard for travel and books, then there is a further ten pounds a week disregard as well.
But usually a loan will nil the claim

princessdon

mikey_bach wrote: »

Are you not entitled to a student loan or grant for this degree ????
Do they know that you are a student?
Income Support would take the loan in as income after a small disregard for travel and books, then there is a further ten pounds a week disregard as well.
But usually a loan will nil the claim

It's OU I think so no loans etc.

ever

Yes, you're right, it's the OU and part-time, no loans. I've met with my Jobcentre advisor twice and he knows all about my courses and all that sort of thing.