[Closed] Could you live on £26,OOO per year. DC content

If that's after tax, I could quite happily live a fine life on that.

Is that £26k take home?

Is that the total amount that a family, maybe with family members that have special needs and care arrangements?

If so no, thats only 2 lots of £13k salaries (assuming that both parents unemployed as opposed to an addition to their salaries).

The problem is the system is abused far too widely making it too expensive.

if it was take home, I get raped every month by those tossers for making 55k

Benefits are tax free so yes, £26K after tax.

that is after tax (there is no tax on benifits).

I earn 26K (before tax) and have a wife (who does not earn) and one child.

Pieface - DLA is not included in the proposed 26k so would be an additional.

So £26k after tax is around £35k gross??

wow, don't even earn £26k before tax!

i could survive on about 5k a year. i could LIVE on £26k a year 😀

Remember the subsidised rents they get too. It all works out to a very good income. If you can't cope, then stop having kids.

that's about my take home after the taxman has finished with me so yes comfortably.

benefits make people sick, reduce the legal working hours, employ the population

float - i doubt you could survive on 5k a year if you include rent.

BTW the 26k also doesnt include child benifit.

Hold on, something's getting skewed here, is it being suggested that benefits are capped at £26000 PER PERSON? Is this a combination of all the benefits available? (i.e. a blind deaf wheelchair bound ex-serviceman with kids etc)?

I'm on £23000 before tax working as a mechanical engineer with 3+ year's experience, never thought anything of it as I can live on it quite comfortably, but now...

BTW the 26k also doesnt include child benifit.

The government proposal is that the £26K does include child benefit. The ding-dong in the Lords currently is about whether that should be the case or not.

£26k that'd be a nice pay rise from the 18k (pre tax & NI) that I have to live on.

I earn far less than £26k ...

the 26k is per family/household - a blind/deft/wheelchair bound person would get Disability Living alowance on top @ approx £400 pcm (an additional 4,800 per year).

The problem is the system is abused far too widely making it too expensive.

No the problem is a lack of social housing which means councils have to place families with private landlords.

This article makes some good points:

[url] http://www.guardian.co.uk/commentisfree/2012/jan/22/housing-benefit-cap-62p-a-day [/url]

I've been trying to find an article I read earlier that showed this will affect less than 1% of benefit claimants, and that 54% of those affected live in Greater London.

The government proposal is that the £26K does include child benefit. The ding-dong in the Lords currently is about whether that should be the case or not.

my bad - the wife was telling me porkeys.

houseing benifit is a small part of the issue - iirc Its been proposed that the housing benifits system will be cut by 33% across the board.

This well peeves me off But I do think not all are getting such luxuries
But is ridiculous to be able to get so much money on benefits

To have £26,000 in your pocket after tax you will need to earn £ 31,720 approx.
Maybe i should claim my Human Rights and get something back for what i put in.

the 26k is per family/household

Right, that makes more sense.

TheArtistFormerlyKnownAsSTR - Member
Remember the subsidised rents they get too. It all works out to a very good income. If you can't cope, then stop having kids.

And if you have kids, then lose your job?

Hold on, something's getting skewed here, is it being suggested that benefits are capped at £26000 PER PERSON?

No, household.

MrNutt - Member
benefits make people sick, reduce the legal working hours, employ the population

CallMeDave's just attacked France over the 35-hour working week...

Have in the past so probably easily could again, I couldn't be so spend free have as many special things as I do and not worry about getting an unexpected bill but I could get by. It seems fair to me that those receiving benefits should fall on the average, enough for people to live on but not too much not to encourage them to look for employment.

the 26k cap is for work related benifits only and DOES NOT include illness related benifits on which there will be no cap nor on widows/ war widows etc..

But it also doesn't take into account the size of the household.

is it being suggested that benefits are capped at £26000 PER PERSON?

No, per family I believe. Not an issue if you've 1 or 2 kids, might become one if you have more. [i]Probably[/i] an issue if you lived in London and had a big family. I'd imagine that private rent on say a 3 or 4 bed house would be a lot. Still, combine this plan with a commitment to build loads more social housing and it would make sense.

Average gross [b]household[/b] income in the East Midlands is ~£600, so for this area 26k doesn't really seem like too much of a 'cap'

I think the idea of a universal benefit is flawed when there's such a huge disparity in housing costs across the country

But it also doesn't take into account the size of the household.

hense the house of lords bill.....

Does this benefit need to pay for the complex care needs of say someone with cerebral palsy whose parents want their child to live at homs?

Maybe i should claim my Human Rights and get something back for what i put in.

Or maybe you could consider that you already get a great deal living in the country, and STFU?

Well it's about £20k more than I have earned so far this tax year....and just had a partner pull out of a research contract which was the next 6 months work. My own research keeps me busy but doesnt pay the bills....

RichPenny - Member
Maybe i should claim my Human Rights and get something back for what i put in.
Or maybe you could consider that you already get a great deal living in the country, and STFU?

Just what deal would that be ??? Have worked my nuts off all through my life so far
and had my company for 8 years mostly working through the nights if not 24hrs
to get things out the workshop in time Now employ 4 persons and always
worried of sales etc even though we have a good order book.
Also i live in East London

So WHAT DEAL WOULD THAT BE !!

i am £5k less than that, OH is on £10k less than that and spends 20% on petrol a year, both graduates racking up interest on student loans, can't save for a house and god knows when we will have kids or even get married,

thank god for mtbing, for when I am on the trails, I exist,

Yes easily. I have a large flat in leafy SW London (mortgaged) with super high service charges, have a cleaner, drive an Audi and my base yearly outgoings are about £22k. No children mind you, no fags, booze or drugs.

i am £5k less than that, OH is on £10k less than that and spends 20% on petrol a year, both graduates racking up interest on student loans, can't save for a house and god knows when we will have kids or even get married,

so you have a combined income of 37K - sounds like you could save for a house if you wanted to, just need to change your likestyle a bit.

I earn between 22K and 25k before tax (overtime dependant) and mrs carlos about 8k part time. So we don't earn 26k take home between us.

It winds me up that the system is so flawed that it allows people who don't work to have a better standard of living than I do.

Mrs carlos has recently gone back to work after maternity leave , before she went back we went on the government benefits calculator. If she was made redundant we would be £130 a week better of with the benefits she'd receive.

i am £5k less than that, OH is on £10k less than that and spends 20% on petrol a year, both graduates racking up interest on student loans, can't save for a house and god knows when we will have kids or even get married,

So more than the preposed cap.

Single dad, 2 kids, working full time here. Total income after tax and including benefits is below £24000. We cope, I can't complain as it could be so much worse.

mmb - i salute you sir!!

I heard over the din of my loud carsharer this morning that poverty was defined by children having to share bedrooms.

I shared a bedroom with two siblings until I was about 11 and my folks were middle class. Times have changed.

£26K before tax would be a doddle, you just need to know how to economise.

EDIT: Also project, the capital 'o's in the title are driving me to distraction. You get 8/10 troll score just for that alone. 🙂

Just what deal would that be ???

OK, I will list a few things for you.

A safe, relatively crime free environment.
Fantastic employment opportunities, including the ability to start your own business.
Good education.
Good healthcare.
A welfare state that will look after you reasonably well if required.

That's just 5 things you should be incredibly grateful for. I'm sure you have worked very hard for what you have. You should be proud of yourself, but make no mistake; you've been enabled by those things I've listed and more besides. Don't take them for granted because they might not be here forever....

Thank you, I live in poole by the way so not a cheap area by any means. We have to learn to live within our means, if you can't afford it do without. I can still afford to run a car and pay £850 per year for my daughters coach fees to college (30 miles away).

Rich Penny Don't be a fool

I am Not on Benefits and also you forgotten to include all of my reply
And just what is your point in listing the above has the thread is about
What exactly ?

RichPenny - Member
Maybe i should claim my Human Rights and get something back for what i put in.
Or maybe you could consider that you already get a great deal living in the country, and STFU?

grantway -Member
Just what deal would that be ??? Have worked my nuts off all through my life so far
and had my company for 8 years mostly working through the nights if not 24hrs
to get things out the workshop in time Now employ 4 persons and always
worried of sales etc even though we have a good order book.
Also i live in East London

So WHAT DEAL WOULD THAT BE !!

POSTED 22 MINUTES AGO #

Single dad, 2 kids, working full time here. Total income after tax and including benefits is below £24000. We cope, I can't complain as it could be so much worse.

Fair play.

There are far to many ****ing nuggets who moan about not having enough money and are struggling to make ends meet, when they're earning £40k+

Owning an Audi, skiing holidays abroad, a mountain bike and sky tv etc. are all luxuries not necessities. Sort your lives out.

Yes easily. I have a large flat in leafy SW London (mortgaged) with super high service charges, have a cleaner, drive an Audi and my base yearly outgoings are about £22k. No children mind you, no fags, booze or drugs.

In fact as I understand it the draft documentation proposes a cap of £350/wk for a single person with no children.

No, per family I believe. Not an issue if you've 1 or 2 kids, might become one if you have more. Probably an issue if you lived in London and had a big family. I'd imagine that private rent on say a 3 or 4 bed house would be a lot. Still, combine this plan with a commitment to build loads more social housing and it would make sense.

If I hated work as much as grantway seems to, I'd probably look at changing jobs. Even if I didn't, I'd probably look at moving out of E London.

Does this benefit need to pay for the complex care needs of say someone with cerebral palsy whose parents want their child to live at homs?

Dunno. Council or NHS will usually pay for most of care costs after assessing need. A financial assessment is usually undertaken for adults to contribute to the costs of thier care but it's usually pretty small (although council care charges are increasing). The aim of Disabiltiy Living Allowance is that it will pay for additional care costs because of the disability eg, help with getting around (mobility component) and additonal care costs (care component). But DLA is getting scrapped too and rpelaced with something else.....

For everyone who thinks its only scroungers who get benefits.

A friend lost his job a couple of years ago (married with a no-working wife and 3 small children) and he got far more than £26k; if you included all their benefits and the mortgage interest.

In fact his mortgage interest was probably half that on its own. Fancy living on £1100 pcm to keep five - I don't.

The (national) company he worked for went bust just after the 2008 crash, losing his near six-figure package; it took him 15 months to get another role. He's now back on good money and slowly digging himself out of the financial 'hole'.

We need to separate housing costs from benefit costs, especially as they are probably double in some areas of the country.

our family of three (very soon to be four) lives on less...

you lot need to MTFU

AS said above - this what happens when you sell all the council houses and deny councils the ability to build more.

a homeless family has to be housed by law and not overcrowded. when the going rate for rent is over a thousand a month then there is over £12000 pa.

Whats really sick is this is likely to be an ex council house now in the hands of profiteering private landlords.

Its a direct and foreseen consequence of Tory policies

Its a direct and foreseen consequence of Tory policies

*yawn*

this what happens when you sell all the council houses and deny councils the ability to build more.

Did the previous government deny councils that ability too ?

Housing benefit is now being capped , so high rents dont get paid, and the tennants will have to either renegotiate a new lower rent or move somewhere cheaper, or get a job,to subsidise the rent.

Changes from 1 April 2011
From 1 April 2011 the rates for Local Housing Allowance will be reduced across the country:

Weekly excess
The maximum £15 weekly excess that some customers can get will be removed.

Limits on payments
A limit will be introduced so that Local Housing Allowance does not exceed:

•£250 a week for a one bedroom property (including shared accommodation)
•£290 a week for a two bedroom property
•£340 a week for a three bedroom property
•£400 a week for a four bedroom property
The maximum rate of Housing Benefit will be limited to the rate for a four bedroom property.

Guys - this was predicted when it was introduced many years ago. its a tory policy and this is what we all knew would happen - or those of us with our eyes open.

So obvious

And just what is your point in listing the above has the thread is about
What exactly ?

This is your initial quote:

Maybe i should claim my Human Rights and get something back for what i put in.

What I'm pointing out is that actually you do get something back for what you put in. And it's more than something, it's an enormous number of things of great value. No, you may not get back out [i]in financial terms[/i] what you put in because some people need more than you do. Maybe that isn't fair, but that wasn't your point, was it?

a homeless family has to be housed by law and not overcrowded. when the going rate for rent is over a thousand a month then there is over £12000 pa.

then you suggest moving to an area where the housing cost is less, as stated previously.

Project - so what happens to those in London? - there simply is not enough accommodation cheap enough to house them all.

do they have to move from London?

Monkeyboy - so yo want to force people to move from where they have lived all their lives?

the result of this will turn satellite towns into benefit ghettos.

the answer is to build more affordable housing especially family housing

Yes, yes I could. In fact I think I could scrape by on half that if pushed (2 people and a mortgage). I'm sure it will be hard for some people but I don't think it should be easy.

[img] [/img]

http://www.guardian.co.uk/society/2011/dec/06/housing-benefit-caps-force-families-out?INTCMP=SRCH

http://www.guardian.co.uk/society/2010/oct/28/housing-benefit-cap-plan-backfire?INTCMP=SRCH

http://www.guardian.co.uk/society/2010/oct/28/housing-benefit-cap-flight-suburbs?INTCMP=SRCH

of course there is nothing to mean that you have to live in London if your whole family is out of work is there?

Well apart from the fact that your other family might live there. And your friends. And your kids friends. And their schools. Nothing at all 🙄

Well apart from the fact that your other family might live there

Maybe they can help with the rent?

Our household income after tax probably isn't quite 26k.....we seem to do just fine on it, and are even on the way to getting onto the property ladder at some point this year.

I have a job that I love, and would much rather go out and earn my cash than sit at home all day and get benefits.

Torminalis
I heard over the din of my loud carsharer this morning that poverty was defined by children having to share bedrooms.

Whoever said that was talking total BS.

poly - Member
Still, combine this plan with a commitment to build loads more social housing and it would make sense.
of course there is nothing to mean that you have to live in London if your whole family is out of work is there? I'm not suggesting people should be forced to move, but I can't really abide the "it costs so much more to live in london" argument when there is nothing forcing you to stay, you'd be better off moving somewhere cheaper.

Be a good idea to build the houses first...

On the moving front:

TandemJeremy - Member
the result of this will turn satellite towns into benefit ghettos.

I'm sometimes ashamed to admit I have two sisters (with partners, & kids), who have spent their lives on benefits. They enjoy basically the same lifestyle as the rest of us. They can afford to run cars, take foreign holidays, buy decent clothes etc, eat out regularly. From the outside you would notice little difference between them & those of us that choose to work.

I also have a brother-in-law who is on DLA. This affords him a brand new house, albeit it a small one, but its on an estate where I'd need probably £250k+ to buy a 3 bed to house my family. Now this house comes fully funded, no Council Tax, all repairs/maintainance covered. He runs a brand new car, designer clothes, lunch/dinner out several times a week with like minded people. He doesnt like it when I point out that the benefits system is affording him the lifestyle of a single chap on probabaly a £30-£35k salary.

Now I'm as limp wristed and liberal as the next man, but...

Why should someone on benefits get their rent paid in the lovely rural village in Oxfordshire that most can't afford to buy in?

Why should the kids of a hardworking family have to share a bedroom because their parents can't afford to move but those on benefits get upgraded automatically?

Why should having more and more kids entitle you to more and more money?

Why does the benefits system as it stands make me feel like a ****ing Tory?

Surrounded By Zulus - Member
Does this benefit need to pay for the complex care needs of say someone with cerebral palsy whose parents want their child to live at homs?

I think they were planning to keep incapacity and sickness benefits available to top up. It was basic job seekers that was capped. They are making some significant changes to incapacity though as you will start to be assessed as to what you can do rather than what you can't.

This and the NHS are things that all parties should agree on and sign up to a plan to implement. Instead what will happen is you'll get a Tory slant on it now and then a labour slant when they get voted back in in a term or two and it'll be changed and money wasted. I'd vote for the guy with the leadership and management skills to pull that off!

IDS wants to make some massive changes, my GF was part of a consultants team advising on what the IT infrastructure changes would need to be so she was fairly clued up on it.

Monkeyboy - so you want to force people to move from where they have lived all their lives?

simply Yes - its free houseing, there should not be a choice.

If i were made redundnet and got a job that pays less well than my current employment then i would have to move to reduce costs. Or if i were to have another kid and required a three bed house, i'd also have to move.

Houseing benifit is exactly that, a benifit.

because thats the propaganda you are being fed.

the reality is really very different.

takisawa - what a load of bollocks

you wally

TeeJ - you answering me?

It really isn't you know. I know people in all the scenarios I describe. It's great for them... but it doesn't seem that fair.

Shelter’s chief executive Campbell Robb said: [b]'The Secretary of State said that, according to Shelter, a family where children share a bedroom would be defined as homeless. This is simply not true.[/b]

'Shelter uses the same definition of homelessness as the Government, as set out in the Housing Act 1996, passed by the last Conservative Government.

'We are disappointed that these comments are creating unnecessary confusion and deflecting from the real issues we should be focusing on today, namely the significant impacts these proposals will have on the [b]lives of those in the 67,000 affected households.[/b]

'According to the Government’s original impact assessment published last February, [b]the expected effects of this policy include households falling into rent arrears, resulting in some households having to move and others presenting as homeless to their local authority.'[/b]

The 1996 Housing Act defines homelessness to include not just rough sleeping, but a broader range of circumstances that include reasons why people are unable to occupy their current home, such as because of a threat of domestic violence.

This wider definition is essential in order to capture the true scale of the problem and to tackle it effectively. Only the most severe overcrowding, such as people sleeping in kitchens, could be potentially considered by local authorities as homeless under the statutory definition. This would not include two children sharing a room.

£26000 for sitting on your arse is a fortune.
I have friends and family with 3 or 4 kids each. All work and all get some modest form of state assistance.

Both however have total family incomes of much less than 25 or 26k after tax.

Hard working folk often have to move house due to financial situations and pllan for what might happen.
Move somewhere cheaper the rest of us would, and cheaper does not mean ghetto.

The Government needs to stop trying to force grannies out of their homes and building some houses. How many houses could have been built for the cost of the Olympics?

takisawa - If that really is their lifestyle then they are on the fiddle bigtime.

You guys need to look at what benefit levels really are - how much you actually get to spend per week. its not much at all.

Put some numbers in here
https://www.dwpe-services.direct.gov.uk/portal/page/portal/ba/lp

I was TSY adn I stand by it.

A life on benefits means little money unless you fiddle bigtime. It also takes a lot of choices away from you.

Put some numbers in the benefits calculator and see

Project - so what happens to those in London? - there simply is not enough accommodation cheap enough to house them all.

do they have to move from London?

Those who pay their own way would have to leave...

I learnt something interesting today about homelessness. The definition is quite strange. I haven't found a quotable source but there is a good chance I spent the first 16 years of my life effectively homeless because of the number of people in the house. It's not just sleeping rough or in very real threat of losing your house. Simply having too many people can be included. There were 6 of us in a 3 bedroom house.

Jonba see my quote from Shelter above.