It’s always the same, when the DWP come down on you because you owe them money, for whatever reason, but when the shoe is on the other foot, we have to wait & wait to be paid what’s rightfully ours! Nothing changes does it😊
Letting thousands of strangers off boats 🚤 & into the UK 🇬🇧 doesn’t help with the finances does it, forking out £8 million quid Every day, surely that means less available funds for UC English/British claimant’s?🧐
I wonder if you can still access your journal after your case is closed. I have just had an overpayment demand from tax credits of over £1200 for 2010/11 and luckily I have kept all my letters from 14 years ago. It’s definitely a good idea to screenshot any messages especially as your case is more unusual with the capital interest income. DWP have destroyed most of my records pre 2017. I’ve got to wait 30 weeks on average for a mandatory consideration then I can take it to tribunal to show it was paid back in 2013. I’m so grateful I’ve still got documents from them but most of the phone calls are erased. I enjoy your videos greatly. I’m self employed so they have been interesting to me to watch ❤
The answer to "don't you feel entitled?" is always, no. If you qualify, you are entitled to it. What many people may not also know is that every year around £15 billion of benefit entitlements goes unclaimed that should have been claimed because the state budgets for this knowing there are people who need it.
Im was supposed to hear today what we are getting but still nothing so far.this process takes forever and is really stressful,not on having people hanging on to find anything out
The system is overwhelmed for one reason or other like all our severe problems to do with housing crisis, doctors, road problems in London, wasn't meant to add 1.4 million extra people yearly it's insane
Hi Claudia, I always find your video's about the welfare system really fascinating. I do not claim any benefits of any kind but i find it really interesting. The way you explain things is really simple and to the point. I'v said this many times, you certainly know your stuff. You are very clued up on many things. I totally agree that people who have paid into the system over the years should get help if needed. What a lot of people do is scrounge off the system with no intension of every helping themselves. Thats why hard working people get really pissed off with the system and i dont blame them either. As always its good catching up with you Claudia. Do keep us posted on your next meeting in September with UC. I wonder what they want to see you for???? I have a sneaky feeling you may still get something even though your migration has ended. Great video.
Glad that UC largely went well for you & I do hope you get your refund.Ive read quite a few times that many people who are self employed are finding the system really difficult to manage.I believe that the migration process is carrying on until the end of 2025 though that mainly involves people with disabilities.Thanks for doing these videos, theyre really interesting.
Pensions: super important to have one from a young age. Parents take not, there is no lower age limit to when you can start a pension, the best time to set one up for your child is the day they are born. Even if you pay just £10 month into it, it will grow and compound. The child would have around £5,000 by age 18 at typical rate of gains in a pension fund. Put in £20 a month and the child would have nearly £9,000 at age 18. You get the idea. So many regular income parents don't do this, but rich parents do.
We need to stop thinking about it in terms of a national insurance. The contributions we make are our taxes, not just income tax, but all taxes (VAT, fuel duties, stamp duties, import duties, all of it). Tax is what funds our state welfare, and we are all entitled to raise a claim for welfare assistance if we fall into a situation where were need the extra assistance. Welfare is assistance, people need to remember that. There is no shame is asking for help when you need it. National Insurance is no longer an insurance, it has not been for decades. It's general taxation, and it should be merged into general taxation.
You will still get UC, when you look at your breakdown, you will currently see an amount for the migration, it's this element that will stop not the whole UC.
I’m self employed not having private pension. I would like to pay private pension as well but I don’t know how to do this. I would like to have the same as you have but don’t know from where to start and how is working. When I be enough old to claim pension will I get all the money I putted or it will be reduce , they will take some money from my all savings private pension money??? I’m really stress about it because would like know how this work ad what to expect. Can you please help me with this 🙏thank you 🙂
I went with Aviva who do a SIPP that they manage for you, same with their Stocks and Shares ISA, they do the work because I don't understand it. I couldn't self manage a fund. No idea how to do that!
The UC system sounds crazy , welfare system was supposed to be mainly for temporary relief due to sickness etc not as a lifestyle which many people seem to think , you have used it correctly imo In regards to the contributory benefits such as state pension funded supposedly by NI , makes you wonder how they will find this as the tories cut NI and labour don’t look as if they are going to raise it
That was decades ago when there was jobs for everybody, leave one job one day and get another job the next day. We've lost most of our manufacturing,which created millions of jobs. Millions of jobs are now automated.Millions more jobs are going to be automated in the future. 8 million people on part time work can't get full-time so need in work benefits, adding to that 1.5 million extra people annually who need jobs, not all but most. Even people in full time work get in work benefits
I wondered about this. Because once my claim closes, does that mean I am wiped from the system? Trying to get some clarity but no surprise it's not proving very easy! More updates to come.
Yes you do. I think you're meant to meet certain requirements which i dont but when the dentist asked i just said im on Universal credit and they were fine with that and thats the way its been with my last two checkups whilst being on UC.
I've never had free dental since I turned 18. It doesn't count when you're self employed even if you are on a low income. I still had to may full NHS price when I was with an NHS dentist but I had to go to a private dentist during covid because they were the only dentist open and now I stay because I get a much better service for my extra money.
You seem to have plenty of knowledge and capability to be successful and confusingly you have chosen this path instead. The amount of effort you have put in to claiming state handouts could’ve been far more profitable had you applied your skills to paid work (proper pay) from successful employers, you would’ve also had a much nicer pension, had you focused the same amount of energy in a different direction to the one you’ve chosen and that is so sad because you’ve done the work but you haven’t got the cream. Can I suggest with respect because you are a seemingly nice person, that you get your mindset back into applying every waking minute into paid work until you are living in excess of your expenses. The world is a lovely place and you are missing out on so much by filling your mind with state run schemes which are designed for people much more vulnerable than yourself. You are smart, and your future self will thank you for putting the effort in now before you are frail and weaker than you are now. I wish you all the very best.
The problem, in part, for me is finding a job in someone else's business that I enjoy. As an introvert I spent my PAYE life unhappy in work, and the autonomy of self employment vastly improved my life in many ways. I can't imagine enjoying being back in any office and having a fulfilling life, and even after I became self employed I gave it a go several times, and was always reminded why I left. We all have different experiences. Some, like you, clearly enjoy it and find it a fulfilling way to live their 9-5. I had a different experience. As it stands, I am no longer in state run schemes. I knew it would end in August this year. The reward of my experience was largely so that I could offer some layman advice about the system - and because it was offered to me, not because I had to fight for it. It was never an aspirational way to live and it is now done with.
@@workinprogresssince1974 you are a nice genuine person, I can see that and I certainly get your feelings regarding office life. You couldn’t pay me enough to get into an office. I understand the need to feel fulfilled. However I would say that you can hack your thoughts for the greater good of your overall prospects. What I mean by this is rather than feel negative about being trapped in someone’s business, try to think instead of the standpoint that there are people in south east Asia borrowing vast sums of money to come here and work in these jobs. Why? Because in their countries they earn £5 a day and it costs that much to feed the family! They have no free healthcare, no state benefits, the young fill the cemetery’s as much as the old and survival is a real challenge. Now from that standpoint you would feel mighty blessed to be in a society that offers you these opportunities without the vast expenses of coming here. Our benefit system is a disgrace, we have old people freezing to death whilst younger people opt to live their lives in some way that requires state help. This is so wrong on so many levels. It’s a scam because one day they will be the old people and they will then realise the pain of this dysfunctional system. You are a smart, intelligent and pleasant person. You may be an introvert but you can do it, there is the right job out there for you and if you are that against structured employment then you’ll have to use your entrepreneurial clout to take up the slack but don’t disregard it too soon because for pensions at least, having a PAYE job will far exceed for most any pension the self employed pay in (generally speaking not all). I urge you with all of my sincerity to rewire your mindset because you really do have all it takes to be successful and earn in excess of your expenses. You can take your frugal mindset on this voyage of discovery with you. I love your car camping adventures and your meticulous attention to detail especially with the numbers. The most successful people on the planet are introverted. It’s not a drawback it’s a gift. Best wishes to you. Sent without any malice. It’s very frustrating to watch someone with so much potential not realising she has so much potential. Benefits are a trap that is best avoided if possible.
Most self employed people work much more than full time, long into the night, weekends and often unpaid. I am sure this lady has put more than full time hours into her ventures. I am sure many will think why should we pay for that in our taxes but think about it for a moment. If she were to take a low paid full time job instead then the chances are she will need top up benefits of some kind indefinitely, whereas if she had of managed to get her business to grow she may have managed to earn enough to walk away from state benefits completely, or even better begin to employ other people. I think that is the strategy behind the system. If there is a better chance of someone moving completely off of benefits then it's got to be worth a try. Some will succeed, some will fail but those who have never tried and are instead earning min wage in some dead end job are probably going to be just as, if not more dependant on state benefits and for much longer and on that basis I think it makes sense to at least try. A year is not a long time to establish a business from scratch so the rule seems fairly strict and for good reason, this is public money. The fact the government puts a time limit on this way of working is a good thing, it protects the pot and probably in many cases free's people from the benefits trap and those it did not probably didn't take more from the system than they would of in some kind of low paid job. I could be wrong but this seems to be the only way it makes sense to me.
I think you do a great job of explaining things. It might help some people who need it. Great work!
I hope so! Thank you.
It’s always the same, when the DWP come down on you because you owe them money, for whatever reason, but when the shoe is on the other foot, we have to wait & wait to be paid what’s rightfully ours! Nothing changes does it😊
Letting thousands of strangers off boats 🚤 & into the UK 🇬🇧 doesn’t help with the finances does it, forking out £8 million quid Every day, surely that means less available funds for UC English/British claimant’s?🧐
I wonder if you can still access your journal after your case is closed. I have just had an overpayment demand from tax credits of over £1200 for 2010/11 and luckily I have kept all my letters from 14 years ago. It’s definitely a good idea to screenshot any messages especially as your case is more unusual with the capital interest income. DWP have destroyed most of my records pre 2017. I’ve got to wait 30 weeks on average for a mandatory consideration then I can take it to tribunal to show it was paid back in 2013. I’m so grateful I’ve still got documents from them but most of the phone calls are erased.
I enjoy your videos greatly. I’m self employed so they have been interesting to me to watch ❤
Under GDPR rules you can request your data.
The answer to "don't you feel entitled?" is always, no. If you qualify, you are entitled to it. What many people may not also know is that every year around £15 billion of benefit entitlements goes unclaimed that should have been claimed because the state budgets for this knowing there are people who need it.
Thank you.
Im was supposed to hear today what we are getting but still nothing so far.this process takes forever and is really stressful,not on having people hanging on to find anything out
The system is overwhelmed for one reason or other like all our severe problems to do with housing crisis, doctors, road problems in London, wasn't meant to add 1.4 million extra people yearly it's insane
Hi Claudia, I always find your video's about the welfare system really fascinating. I do not claim any benefits of any kind but i find it really interesting. The way you explain things is really simple and to the point. I'v said this many times, you certainly know your stuff. You are very clued up on many things. I totally agree that people who have paid into the system over the years should get help if needed. What a lot of people do is scrounge off the system with no intension of every helping themselves. Thats why hard working people get really pissed off with the system and i dont blame them either. As always its good catching up with you Claudia. Do keep us posted on your next meeting in September with UC. I wonder what they want to see you for???? I have a sneaky feeling you may still get something even though your migration has ended. Great video.
Will be watching your vlogs
Glad that UC largely went well for you & I do hope you get your refund.Ive read quite a few times that many people who are self employed are finding the system really difficult to manage.I believe that the migration process is carrying on until the end of 2025 though that mainly involves people with disabilities.Thanks for doing these videos, theyre really interesting.
Pensions: super important to have one from a young age. Parents take not, there is no lower age limit to when you can start a pension, the best time to set one up for your child is the day they are born. Even if you pay just £10 month into it, it will grow and compound. The child would have around £5,000 by age 18 at typical rate of gains in a pension fund. Put in £20 a month and the child would have nearly £9,000 at age 18. You get the idea.
So many regular income parents don't do this, but rich parents do.
We need to stop thinking about it in terms of a national insurance. The contributions we make are our taxes, not just income tax, but all taxes (VAT, fuel duties, stamp duties, import duties, all of it). Tax is what funds our state welfare, and we are all entitled to raise a claim for welfare assistance if we fall into a situation where were need the extra assistance.
Welfare is assistance, people need to remember that. There is no shame is asking for help when you need it.
National Insurance is no longer an insurance, it has not been for decades. It's general taxation, and it should be merged into general taxation.
You will still get UC, when you look at your breakdown, you will currently see an amount for the migration, it's this element that will stop not the whole UC.
Not true. I am not eligible for UC as it is because of capital. The migration year was a lucky year for me.
I’m self employed not having private pension. I would like to pay private pension as well but I don’t know how to do this. I would like to have the same as you have but don’t know from where to start and how is working. When I be enough old to claim pension will I get all the money I putted or it will be reduce , they will take some money from my all savings private pension money??? I’m really stress about it because would like know how this work ad what to expect. Can you please help me with this 🙏thank you 🙂
I went with Aviva who do a SIPP that they manage for you, same with their Stocks and Shares ISA, they do the work because I don't understand it. I couldn't self manage a fund. No idea how to do that!
@@workinprogresssince1974it’s really helpful. Thank you 🙂
Hi 😊 Can I ask why you are not longer entitled for uk?
Because my savings are above the threshold.
@@workinprogresssince1974 thank you for answer
The UC system sounds crazy , welfare system was supposed to be mainly for temporary relief due to sickness etc not as a lifestyle which many people seem to think , you have used it correctly imo
In regards to the contributory benefits such as state pension funded supposedly by NI , makes you wonder how they will find this as the tories cut NI and labour don’t look as if they are going to raise it
That was decades ago when there was jobs for everybody, leave one job one day and get another job the next day.
We've lost most of our manufacturing,which created millions of jobs.
Millions of jobs are now automated.Millions more jobs are going to be automated in the future.
8 million people on part time work can't get full-time so need in work benefits, adding to that 1.5 million extra people annually who need jobs, not all but most.
Even people in full time work get in work benefits
@@moosky7344 I see , taxpayers now subsidising businesses for low wages the. In some cases , fair point about automating
I miss those days. It's so complicated to get a job now. I have given up. @@moosky7344
They get it from treasury bills
Maybe they won't close your claim until you've got the interest refund
I wondered about this. Because once my claim closes, does that mean I am wiped from the system? Trying to get some clarity but no surprise it's not proving very easy! More updates to come.
Universal Credit needs to be scrapped
Do you still get free dental care on your UC , as that is worth having ..
Yes you do. I think you're meant to meet certain requirements which i dont but when the dentist asked i just said im on Universal credit and they were fine with that and thats the way its been with my last two checkups whilst being on UC.
I've never had free dental since I turned 18. It doesn't count when you're self employed even if you are on a low income. I still had to may full NHS price when I was with an NHS dentist but I had to go to a private dentist during covid because they were the only dentist open and now I stay because I get a much better service for my extra money.
You seem to have plenty of knowledge and capability to be successful and confusingly you have chosen this path instead.
The amount of effort you have put in to claiming state handouts could’ve been far more profitable had you applied your skills to paid work (proper pay) from successful employers, you would’ve also had a much nicer pension, had you focused the same amount of energy in a different direction to the one you’ve chosen and that is so sad because you’ve done the work but you haven’t got the cream.
Can I suggest with respect because you are a seemingly nice person, that you get your mindset back into applying every waking minute into paid work until you are living in excess of your expenses.
The world is a lovely place and you are missing out on so much by filling your mind with state run schemes which are designed for people much more vulnerable than yourself.
You are smart, and your future self will thank you for putting the effort in now before you are frail and weaker than you are now.
I wish you all the very best.
The problem, in part, for me is finding a job in someone else's business that I enjoy. As an introvert I spent my PAYE life unhappy in work, and the autonomy of self employment vastly improved my life in many ways. I can't imagine enjoying being back in any office and having a fulfilling life, and even after I became self employed I gave it a go several times, and was always reminded why I left. We all have different experiences. Some, like you, clearly enjoy it and find it a fulfilling way to live their 9-5. I had a different experience. As it stands, I am no longer in state run schemes. I knew it would end in August this year. The reward of my experience was largely so that I could offer some layman advice about the system - and because it was offered to me, not because I had to fight for it. It was never an aspirational way to live and it is now done with.
@@workinprogresssince1974 you are a nice genuine person, I can see that and I certainly get your feelings regarding office life. You couldn’t pay me enough to get into an office. I understand the need to feel fulfilled. However I would say that you can hack your thoughts for the greater good of your overall prospects. What I mean by this is rather than feel negative about being trapped in someone’s business, try to think instead of the standpoint that there are people in south east Asia borrowing vast sums of money to come here and work in these jobs. Why? Because in their countries they earn £5 a day and it costs that much to feed the family! They have no free healthcare, no state benefits, the young fill the cemetery’s as much as the old and survival is a real challenge. Now from that standpoint you would feel mighty blessed to be in a society that offers you these opportunities without the vast expenses of coming here. Our benefit system is a disgrace, we have old people freezing to death whilst younger people opt to live their lives in some way that requires state help. This is so wrong on so many levels. It’s a scam because one day they will be the old people and they will then realise the pain of this dysfunctional system.
You are a smart, intelligent and pleasant person. You may be an introvert but you can do it, there is the right job out there for you and if you are that against structured employment then you’ll have to use your entrepreneurial clout to take up the slack but don’t disregard it too soon because for pensions at least, having a PAYE job will far exceed for most any pension the self employed pay in (generally speaking not all).
I urge you with all of my sincerity to rewire your mindset because you really do have all it takes to be successful and earn in excess of your expenses.
You can take your frugal mindset on this voyage of discovery with you. I love your car camping adventures and your meticulous attention to detail especially with the numbers.
The most successful people on the planet are introverted. It’s not a drawback it’s a gift.
Best wishes to you. Sent without any malice. It’s very frustrating to watch someone with so much potential not realising she has so much potential.
Benefits are a trap that is best avoided if possible.
Why are you claiming UC? I don't want to offend you, but you should be working full time unless you have a disabilty that is not apparent.
If you watch my other videos in this series everything will be explained....
Most self employed people work much more than full time, long into the night, weekends and often unpaid. I am sure this lady has put more than full time hours into her ventures.
I am sure many will think why should we pay for that in our taxes but think about it for a moment. If she were to take a low paid full time job instead then the chances are she will need top up benefits of some kind indefinitely, whereas if she had of managed to get her business to grow she may have managed to earn enough to walk away from state benefits completely, or even better begin to employ other people.
I think that is the strategy behind the system. If there is a better chance of someone moving completely off of benefits then it's got to be worth a try. Some will succeed, some will fail but those who have never tried and are instead earning min wage in some dead end job are probably going to be just as, if not more dependant on state benefits and for much longer and on that basis I think it makes sense to at least try. A year is not a long time to establish a business from scratch so the rule seems fairly strict and for good reason, this is public money.
The fact the government puts a time limit on this way of working is a good thing, it protects the pot and probably in many cases free's people from the benefits trap and those it did not probably didn't take more from the system than they would of in some kind of low paid job.
I could be wrong but this seems to be the only way it makes sense to me.
they should scrap maternity leave benefit. Parents should stump up this.