UNIVERSAL Credit replaces six benefits with a single monthly payment.
And while working families can claim back up to 85 per cent of their childcare costs, they must find the money to pay for childcare upfront - we’ve heard of families waiting up to 6 months for the money. “I had no savings as my waitress job before and it paid enough for me to have a little bit of pocket money which I would spend on clothes for the kids or maybe some extra meat on the food shop.
She said: "It's infuriating that I can't go back to work due to childcare being so expensive as I'd love to have a job to make our lives easier."The mum-of-two, with her son Alfie, shops at Asda and Lidl to make her money stretch"I can't go back to work until my baby is two because universal credit expect you to pay two months of child care fees upfront and then it will be reimbursed.
“We are lucky to eat meat twice a week, I usually just buy one pack of chicken which has two breasts in and then dice it so there is enough for all of us.After the bills are paid, the family are left with £12.50 to last the week to buy foodEveryday, the family eat frozen vegetables and pasta because it's all they can afford“As a treat for the kids I buy a 30p cake mix that just needs one egg and some milk adding to it.
She even pawned her Huawei 7 mobile phone worth £50 for £40 to pay the bills, but ended up paying double to get it back.
Source: Loan Digest (loandigest.net)
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