Universal Credit help
Hi I am brand new to claiming benefits and am about to apply for UC . I am single , no rent and have 4 children all born before 2017 some with disabilities and earn above the required amount to be in the light touch group so believe I will be entitled to a large amount of UC . After reading lots of negatives about this I am very nervous and unsure about how this all works in terms of reviews being done, and deprivation of capital along with whats allowed in general and on children’s savings accounts ( I currently have no savings of any kind for me or kids but once I start getting UC I would like to put small amounts monthly away for my children in their own names and save up for the future). I have never been allowed any control over the household finances before so I am trying to work my way around all of this which is very daunting. I am terrified of applying and then doing something wrong it is an awful feeling as I cannot buy food or pay bills without applying now I am on my own so I need to apply this week.
Could anyone help me understand what you are “allowed” to spend your money on monthly after bills? That might sound stupid but it seems so unclear to me. I understand the rules of if you have over 16k in savings you cannot claim, and anything over 6k has reductions but its more around what can money be spent on that’s ok on a monthly basis. I need a car, once I can afford this can I lease a car ? If I pay for things in cash do I need to keep receipts for everything the whole time I am claiming? Will I get into trouble if I get something they think is too expensive e.g. a large family car for 5 people and a dog etc. Can I go on holiday? How much can I spend on food? Can I give my friend a birthday present? Doing anything with 4 children is very expensive going out for a meal or to the cinema are these allowed? I feel its quite overwhelming if I am entitled to claim x amount but then I don’t know what it can be spent on after paying bills obviously but then what bills are deemed reasonable. I have spoken to CAB but they just seem focused on what I can apply for rather than how the money is then used. I am looking into play therapy and animal therapy but apart from those I am unsure.
Any advice would be greatly appreciated I am going through a terrible divorce at the moment and am struggling to cope so please be kind . Thank you for reading my rambling post and apologies is is so long and likely daft .
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