Universal Credit vs The Cost of Living 

the deserving people get robbed while others do very well out of the corrupted system.people need to remember that every persons life can be shattered in seconds.

If this helps and I hope it does, the lady in the video should be eligible for PIP. That should give her about an extra £625 a month, if full PIP is awarded. This does not come off universal credit as it is a separate benefit. I used to be a Community debt and benefits adviser. Please message me if you need any help hon. All the very best.💕

UK has the lowest welfare in Europe. UC is only 13% of the national average wage. Many European Countries are 30% some are as high as 45%. We also have the poorest pensioners. What most people ignore or don't know is that 40% of UC claimants are in work - Tories always gloss over that as it shows how poorly paid people are.

sailing in that same boat here with carers sadly my wife passed away xmas eve do enjoy and make the most the days you have left together

Carers allowance should Not be taken off universal credit. It’s no different to PIP son my eyes which isn’t included. Would cost the gov a fortune to send carers in to her. So it shouldn’t be included

I would stop paying your tv licence x

So cruel. This lady and her husband are doing their best. That is their home. There is nowhere to rent. Does the evil rich bastards that run your beautiful country care if a disabled person is turned out in the streets? No. As long as they still have their luxury lifestyle they could not care less. Time for a full scale revolution.

You can reduce your outogings by doing these 3 things (1)Get rid of the tv licence - by not watching live tv and iplayer. (2)Tell water company you are struggling to pay and they can reduce your bill they have funds fpr this you can contarct them or you can use Citizens Advise to help you do this. (3) If youre on universal credit for more than 12 months they give you the interest on your mortgage every month.

They will look at what you are paying towards a mortgage as a kind of savings you are accruing because your home is an asset . It's ridiculous as you still have to have somewhere to live and rent is often more than mortgage payments in the UK. I was saying to my husband on Saturday, having a savings pot and insurances is so important because one may be ok at present but who knows what is around the corner? Not sure why one would bother with a TV license these days, when one can get netflix for 6.99(half the cost per month and cancellable anytime).

Blessings for them and all struggling

Because i also buy a house, i have paid off the mortgage on age 45, in case i might get sick.

First time I have been not breaking even and been going on minus. If I didn't have bit of savings, I would be homeless thanks to UC. I have to pay for private medicines that NHS won't cover. still have to pay rent big chunk going out of UC payment like 80gbp out of 150 gbp I get every two weeks. So half of it is going on council house rent and 70 or 80gbp is left to live on for 2 weeks. Can't imagine what people do if you are renting privately, UC will drive you into serious debt. I got a new job, but it's a terrible fit and driving my mental illness worse to the point I got no energy to cook and eat, also I can't concentrate at all to do the job when having emotional swings. But what can I do

The real people are bottom of the list, when will we learn???

Thanks for all your comments on our film 👍We are glad it has provided a lively debate during these very difficult times for many people. Fiona would like to respond to some of your comments herself: 'Thank you to so many of you for your kind comments and caring. Just to clarify some of the points - our TV license is £13 a month and not big issue for us.. I have been on PIP for some years now (full story here: shorturl.at/dxKM5). We have paid off chunks of our mortgage hence why it is relatively low. Attendance allowance is for people of pension age, PIP for under pension age. I will not be selling up and living in a tent! If you understood Parkinson's at all you would know this is not an option! I paid tax for thirty years and I never wanted to be on benefits. It's not a choice. My choice would be to be back at work. I had friends, felt part of society and I loved my job. Thank you. Fiona'.

YOU WILL OWN NOTHING AND BE HAPPY.....

He is so wrong about renters, rent is astronomical, I wish my rent was 350 it's double that and no it does not get paid

Not even considering the load of us paying bedroom tax too

there is insurance for this type of thing, it's called income protection, don't rely on the state

I would like to see a full list of benefits, council tax relief? Free prescriptions? Free dental treatment? PIP? Travel allowance? Also, if couples are married did they skip the in sickness and health vow or replace it with only with carer's allowance?

I think the question should be why do they still have a mortgage if they can no longer afford it? I know for a fact if I was faced with this and I could be £350 pounds better off a month, I would get rid of mine.

Could you or are you claiming attendance allowance, just a thought it's not means tested. Also my aunt had parkinsons and she was excempt from paying council tax.

I find living on uc with my young son bloody hard sometimes I don't think I can cope with it bloody sending bank statements ID I don't know how 2 do it uc they said we could stop Ur money

NOT A CLUE,I WORK PART TIME AND GET A TOP UP NOT MUCH,HAVE TO PAY RENT COUNCIL TAX WATER ELECTRIC GAS TV FOOD....

Should go to the Citizens Advice Bureau. The government says you need a minimum of £73 per person to live a week (seperate to housing). You should not be having that much deducted from the UC. Its good you have your own house and mortgage though - sure you have to pay it from the UC - I have to pay my mortgage of £100 from my UC of £325 (but its better then getting a loan to pay your mortgage, that is just super stressful, if I did that I would never get well, the anxiety and ocd of it all would drive me insane) but you are in a better position then lots of renters who face insecurity, evictions, 50 people fighting over one rental flat, and rents that the housing benefit wont cover. Also do either of you have any old occupational pensions you have long since forgotten about.......like if one of you worked at the NHS or a bank or something and paid into it, even for a few years. They say that there are tens of thousands of peopel in the UK who have small occupational pensions they forgot about. Even if it pays £1000 a year. If you are in a wheel chair you should be able to get PIP. If you need someone to prepare your food for you, help you in and out of the bath, you should be getting PIP.

Sell the house lovely and then teht abd get the rent paid for?? xx I'm so sorry about this the GOVERMENT IS CRUEL XX

I’m definitely no better off renting and in a similar position

Disgusting system

Other countries have no benefits system at all. Out of work there with no one to support you and you're on the street begging. Always the rich. Always the poor. Never change.

A mortgage is an asset that has value. You're welcome.

It's a knockout.

I have Parkinson's too.

i think it's wrong to throw money at people just for them to stay at home and not work, if they can't work for illness, injury then should be supported but able bodied, compos mentis people should be working.

1, DO NOT SELL YOUR HOUSE, you are disabled, there is a housing shortage and things are going to get worse. 2, Contact DWP and put a claim in for PIP you should be claiming ESA and PIP not Universal Credit. 3, Stop paying your TV license. 4. Have a look for charities supporting Parkinsons Disease that can give you further advise and help with living aids such as stairlifts, grab rails, shower seats, walking aids etc. I'm in the same position as you. I gave up a £35k job to care for my daughter when she suddenly became sick. I've used all my life savings and get £69 a week carers allowance to live on. I have 5 years left on my mortgage. I will not give in. This country is a joke.

This is awful. I just wish that everyone in the UK who defrauds the benefits and tax systems would understand that they are directly stealing from people like this who need as much help as they can get. Obviously, many of the thieves who feign illness, use a relatives mobility car, disabled parking badges, claim to have been abused in order to submit applications for cash compensation, etc just don't care, but if we didn't have to pay out billions to fraudsters then people like this would be able to receive more.

The state sucks!!

Don't forget people. Michelle Mone stole millions of GBP to fund her yacht. The Tories promised unfunded tax cuts to the 1% causing a mortgage crisis, forcing BoE to print more money, when money is printed in this way, only those poor suffer because the cost of everything goes up, while the rich don't notice much because they have multiple incomes from investments.