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What's the point in working? I'm worse off than I was

lisathomas50lisathomas50 Posts: 4,324 Disability Gamechanger
edited July 12 in Employment and careers
I love my job but I am now worse off working  I have had a letter about council tax I now have to pay 139.00 a month my extra rent is 100.00 a month gas and electric 200.00 a month thats my wages gone 

I can see why people don't work I still get a small amount of universal credit that covers my car insurance and phone and petrol and that goes down when they take the uprise away not surprised people don't want to work 

Dont know wether to carry on working or stop any advice would help 

Replies

  • woodbinewoodbine Community Co-Production Group Posts: 4,454 Disability Gamechanger
    Lisa £200 a month on gas/electric sounds high are you getting the best deal? Its always a difficult one when you get caught in the benefits trap, i.e no better off working.
    I think it's only a decision you can make, 
    "Putting a child into care, isn't caring for a child" (T.Rhattigan)
  • MarkN88MarkN88 Member Posts: 1,272 Pioneering
    £200 a month gas and electricity? That’s huge!
  • janer1967janer1967 Member Posts: 11,160 Disability Gamechanger
    I agree with @woodbine that amount for gas/electric is very high I must be very lucky mine is £62
    Is it that your council tax reduction has been taken away ? 

  • cupcake88cupcake88 Member Posts: 952 Pioneering
    Are you back at work Lisa ? That’s really good what do you do ? We pay bout 80 pounds a month for gas and electric council tax is bout 100 a month I think . 
  • Marie12Marie12 Member Posts: 10 Connected
    Have you used comparisons sites for things like gas and insurance?
     
     To anyone feeling this way a boring note of caution that you could be sanctioned by universal credit  or on Jobseeker’s Allowance claim if you voluntarily give up work without a good reason. (I don’t mean if you are too ill, but something like resigning as not making much money might be an issue.) 
  • lisathomas50lisathomas50 Posts: 4,324 Disability Gamechanger
    I don't have to work but I like working I was left in alot of debt when I lost my full time job due to getting corona virus  I was on nearly 2,000.00 a month dropped down to universal credit couldn't keep up with all my bills went on payment arrangements 

    Sometimes it's not about how much money its about feeling better and my mental health I will have to see if I can cope its just stressful wondering 
  • lisathomas50lisathomas50 Posts: 4,324 Disability Gamechanger
    @cupcake88 hi hope your ok yes I am working in a petrol station two nights a week i love xx
  • lisathomas50lisathomas50 Posts: 4,324 Disability Gamechanger
    @janer1967 yes I have been told because I have part wages and part universal credit and pip I have to pay council tax I find it a bit mad as when I was on full wages and getting alot more money I was only paying 110  I am on less money and have to pay 139.00 
  • janer1967janer1967 Member Posts: 11,160 Disability Gamechanger
    The difference will be the annual increase in cost rather than what you earn 
  • MarkN88MarkN88 Member Posts: 1,272 Pioneering
    I would speak to your energy provider if you are paying back debt and ask to reduce the payments because at the moment you can’t afford to. 

    I wouldn’t give up a job just because you are receiving less money from UC. 

    Jobs have a lot of advantages including keeping you active, developing skills, gaining experience and improving physical and mental health. 

    Would it not be wise to look at all outgoings and see where you can save? Put together a budget? Plus just make sure you are receiving all the help you can be receiving? 
  • Adrian_ScopeAdrian_Scope Testing team Posts: 7,998

    Scope community team

    Hi @lisathomas50.
    When working on Universal Credit, your overall income will be higher but some people do find themselves worse off when looking at the bigger picture (taking into account things such as travel expenses, any loss of free school meals, prescriptions, childcare, dental, and increased Council Tax contributions, etc.). 

    Looking at your specific situation and using the figures you've given in the past (wages of around £676 a month), this would be causing a deduction from your total UC of £241.29 a month. 

    So your overall income now you're working is actually £434.71 higher. Even if we take away the £139 more you're now paying towards Council Tax, your income is still £295.71 higher now you're working than it was before.
    @janer1967 yes I have been told because I have part wages and part universal credit and pip I have to pay council tax I find it a bit mad as when I was on full wages and getting alot more money I was only paying 110  I am on less money and have to pay 139.00 
    There could be a few reasons for this. Obviously it's worth noting that Council Tax charges increase most years. It would also be worth carefully looking at the breakdown of income they've used and double-check they've applied any discounts you're entitled to. 

    I noticed as well that you're paying quite a top-up on your rent. Have you ever looked at applying for a Discretionary Housing Payment? They're not guaranteed, but it could help with covering the shortfall between your Local Housing Allowance and actual rent. You can read more about them on Shelter.
    Senior Community Partner
    Scope
  • cupcake88cupcake88 Member Posts: 952 Pioneering
    That’s so good that you enjoy it I’m longing to be well enough to work again maybe a little cleaning job will suit me . 
  • calcotticalcotti Member Posts: 2,173 Pioneering
    When looking at Council Tax costs it's important to look at the annual amount you will pay rather than the immediate monthly amount. When changes are made part way through the year, partly because of the time it takes to change, the monthly amount can jump depending on the number of months over which the remaining amount has to be apportioned.
    Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
  • Sandy_123Sandy_123 Member Posts: 1,538 Pioneering
    Council tax does charge more if your working, I did part time job and had to pay extra council tax. Was still better off working tho.
  • lisathomas50lisathomas50 Posts: 4,324 Disability Gamechanger
    I was only getting 200 pound more working now its gone on council tax so now I am worse off 
  • monsieurmonsieur Member Posts: 58 Courageous
    There is not any point in working, really... And i mean it, because my last job was in 2015... I am not on benefits... I camp in the woods so i do not have to worry about paying bills... Until some bad people will come there to cut all trees and destroy wildlife or they will decide to build another HS2 somewhere nearby... Lots of people jobs are basically about destroying the planet, like cutting trees down, killing animals etc. Is it better to have job like this or be unemployed??
  • MarkN88MarkN88 Member Posts: 1,272 Pioneering
    I was only getting 200 pound more working now its gone on council tax so now I am worse off 
    Is your council tax split over 10 months? Can you ask to have it paid over 12 instead? Are you getting all the deductions your entitled to? 
  • leeCalleeCal Member Posts: 3,662 Disability Gamechanger
    If I could get the internet I’d camp in the woods too, also tv, heating, hot and cold running water, a decent bed, somewhere warm and dry for my clothes etc etc etc.

    And if we all lived in the woods we’d cut down trees to build decent huts and kill animals to eat because berries ain’t so easy to find all year round. Of course the economy would collapse and we’d need to arm ourselves to defend ourselves from wandering bands of ne’er do wells who think they can just take what we have and not work for it the way we’d have to, ie steal our berries etc.

     Intriguing idea though.
  • tru88letru88le Posts: 141 Member
    Anything is better than the dwp ruling your life
  • Cher_ScopeCher_Scope Posts: 4,011

    Scope community team

    monsieur said:
    There is not any point in working, really... And i mean it, because my last job was in 2015... I am not on benefits... I camp in the woods so i do not have to worry about paying bills... 
    @monsieur Hello there, long time no speak!  How are you?  I hope you are keeping well :)

    Although it sounds like you aren't alarmed by your current housing situation, I'm sorry to hear you have now become homeless.  How are you coping with getting food and drinks, and how is your overall health?  Do you have people who are supporting you?

    To look at securing a home, I'd recommend speaking with the team at Shelter.  They have a free helpline which you can call on 0808 800 4444 between 8am to 8pm weekdays, and 9am to 5pm at the weekend.  They are expertly trained in this area, and will be able to run through your options.  I appreciate you don't have the worry of bills at the moment, but it's important to keep you safe, protected and warm before those colder, winter months approach.  

    I'm going to email you now, just to see if we can help more, so please give that a read when you have time.  Take care.  
    Online Community Co-ordinator

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  • monsieurmonsieur Member Posts: 58 Courageous
    @Cher_Scope Hiya, yeah i am okay. I live in wonderful area, there are lot of beautiful landscapes and forests so it is very safe around here for me, also in town there are charities that give free meals and drinks everyday, breakfasts and dinners so i am pretty good here, i also stay a lot in my mates houses, it depends really i don't sleep in one place, i have got variety... I am also very concerned about my own well being, i care about my diet, hygiene and health, i exercise a lot so i am doing fine, maybe it will be necessary to find somekind of accommodation during late autumn/early winter, but for now summer is very good :)
  • Cher_ScopeCher_Scope Posts: 4,011

    Scope community team

    edited July 13
    Hello @monsieur

    Thank you for getting back to me :)  I'm glad to hear you have the support of local charities and friends.  If ever your circumstances change and you're in a position where you feel less safe and like your wellbeing is being negatively affected, please consider contacting Shelter via the contact details left above.  You also have our online community and email address and we'd all be happy to help in whichever way we can.  

    Take care and stay safe.
    Online Community Co-ordinator

    Want to tell us about your experience on the online community?  Talk to our chatbot and let us know.
  • monsieurmonsieur Member Posts: 58 Courageous
    @Cher_Scope Okay, thank you for your time :D
  • mikehughescqmikehughescq Member Posts: 6,591 Disability Gamechanger
    leeCal said:
    If I could get the internet I’d camp in the woods too, also tv, heating, hot and cold running water, a decent bed, somewhere warm and dry for my clothes etc etc etc.

    And if we all lived in the woods we’d cut down trees to build decent huts and kill animals to eat because berries ain’t so easy to find all year round. Of course the economy would collapse and we’d need to arm ourselves to defend ourselves from wandering bands of ne’er do wells who think they can just take what we have and not work for it the way we’d have to, ie steal our berries etc.

     Intriguing idea though.
    A great description of post Brexit Britain to be fair.
  • Cher_ScopeCher_Scope Posts: 4,011

    Scope community team

    Ha Mike  :D  Made me laugh there!

    @monsieur How are things going with you?  I'm just checking in to see if you still feel safe and happy with your current situation.  Please let us know if there's anything we might be able to help with.  I imagine this hot weather is both lovely to be outside in, while a bit tiring and too much at times?
    Online Community Co-ordinator

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  • monsieurmonsieur Member Posts: 58 Courageous
    Ha Mike  :D  Made me laugh there!

    @monsieur How are things going with you?  I'm just checking in to see if you still feel safe and happy with your current situation.  Please let us know if there's anything we might be able to help with.  I imagine this hot weather is both lovely to be outside in, while a bit tiring and too much at times?
    Hey
    Oh yeah, i am okay :). I have had great weekend, i went for bikecycle ride twice with my mate to Coventry, so i have done about 60 miles within two days. I agree it is hot, but it's not too bad actually. I am waiting for a colder weather though... 

  • Ross_ScopeRoss_Scope Posts: 4,114

    Scope community team

    Glad to hear you are doing well @monsieur

    Sounds like the weekend was very productive, that's a very long bike ride :) 


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  • monsieurmonsieur Member Posts: 58 Courageous
    edited July 20
    Yeah, well... Usually my mates offer me to stay at theirs, but i usually say no i am coming back camping, because i generally like to be on my own... Sharing house with others can be painful, especially when roommates smoke a lot or they do not clean after themselves... Or when toilet's taken and u have to wait... sometimes i want to be alone without anyone around me, houses are expensive i cannot afford to live alone in a flat or house... When i went to Poland 2 years ago, my nan gave me keys to refurbished flat and i lived there myself for nearly 9 months, so i quite got used to it at the time... But it is not perfect cuz usually there are roads and bloody loud cars everywhere, staying outdoors offer me much more quietness, peace and i can also relax while listening to birds singing, instead of being in some house with dusty carpets where i hear cars driving all the time from early morning till late evening... I also feel it is a kind of wrong to come to foreign country and ask people for help because i can't manage... No... i am doing okay, i can take care of myself. And my friends help me too. Few months ago one charity told me that p3 probably would be able to offer me room in hotel, but that would be responsibilities, having to come back at 10:30pm everyday... No thanks!! I really like nature and staying outdoors is healthier than in the house. Sorry for my broken english. Have a nice day :)
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