Typical JSA over 24 single budget leaves nothing to find work !

Here is a breakdown of my finances at present and typical budget for those in my circumstances. I need the internet for job searching and entertainment. I do not watch TV so I have left the licence out the equation nor have I added any extras for loans/debt catalogues etc. Toiletries include, Wash Powder,soap,shaving foam,razors,washing up liquid,shampoo,toilet rolls toothpaste,cleaning fluid. 6/7/2018 Weekly Outgoings Bills Gas inc arrears £14.00 Electricity inc arrears £10.00 Water £3.50 Rates £3.50 Budgeting Loan £7.50 Internet […]

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How to feed a family of four jacket potatoes with 1 spud and a little patience

Ok before I let you in on the magic, potatoes were a just an example this can also apply to many other root vegetables and greens …………………… ….drum roll,…….plant it.. wait…. you got 4,6 maybe more. Yes absolutely is that magic or what !!!! It might be glaringly obvious but how many of us actually do this ? If you are a already a gardener and grow your own fruit and vegetables then great you know how much tastier your […]

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Other help with Money

Hardship payments A hardship payment is a reduced amount of benefit payable if you have no other way of covering essentials such as food, heating or medical supplies. You might be able to get one if your benefit has been stopped because you’ve been sanctioned, or you’re being investigated for fraud, or have applied for a benefit and are waiting for a decision. Who can get a hardship payment? You need to be claiming Jobseeker’s Allowance (JSA), Employment and Support […]

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Universal Credit 40% Deduction Cap

Introduction There is a priority order for deductions in Universal Credit. However, it will only be applied if there is insufficient Universal Credit in payment or if the total deductions would otherwise exceed 40% of the benefit unit’s Universal Credit Standard Allowance. Deductions taken before the priority order is applied  The following deductions are taken before the priority order is applied (in order of precedence) 1.  Fraud Penalties. 2.  Conditionality Sanctions. 3.  Short term Advance (Universal Credit Advance (New claim or Change of Circs). 4.  First Month Advance (Universal Credit Advance (Benefit Transfer)). 5.  Budgeting Advance. Only one conditionality sanction or one fraud penalty can be applied to a claimant at any one time. However, both members of a couple can have a sanction / penalty applied. If a conditionality sanction is in place, and a fraud penalty needs to be applied to the claimant’s Universal Credit, the fraud penalty will take precedence. The conditionality sanction will be applied once the fraud penalty has ceased. If a fraud penalty or conditionality sanction is being applied, an Advance cannot be recovered at the same time. The penalty / sanction will take precedence. The Advance will be recovered once the penalty / sanction has ceased. If a penalty/sanction is only applied to part of the assessment period (for example,  2 days of the assessment period and the deduction totals less than 40% of the Universal Credit Standard Allowance) then other deductions can be taken up to the 40% maximum. If a claimant / benefit unit has more than one Advance outstanding, the priority order for Advances must be applied. Deductions priority order  Deductions are taken in the following order of precedence: Last resort deductions No 6- mortgage interest arrears (where the lender is not part of MID scheme) No 7- owner-occupier service charges arrears (where the lender is not part of MID scheme). No 8 – Rent and/or service charges arrears (minimum deduction rate of 10%). No 9- gas arrears (electricity arrears can come above gas arrears, if needed ) No 10- electricity arrears. Enforcing social obligation deductions No 11- Council Tax or Community Charge arrears. No 12- fines or Compensation Orders (minimum deduction rate) No 13- water charges arrears No 14- old scheme Child Maintenance No 15- Flat Rate Maintenance Ensuring recovery of benefit debt deductions No 16- Social Fund loans No 17- Recoverable Hardship Payments  No 18- Housing Benefit and DWP Administrative Penalties. No 19 – Housing Benefit, Tax Credit and DWP Fraud overpayments No 20- Housing Benefit and DWP Civil Penalties No 21- Housing Benefit, Tax Credit and DWP normal overpayments Enforcing social obligation deductions No 22- Integration Loan arrears No 23- Eligible Loan arrears No 24- rent and / or service charges arrears (maximum deduction rate of no less than 10% and no more than 20%) No 25 – fines or Compensation Orders (maximum deduction rate) Universal Credit systems will be able to stop one deduction and implement another during the claim if the new debt is higher up the priority order than the recovery being deducted. ‘Information required which explains how UC claimants with multiple debts have their debts prioritised and deducted in accordance with the overall 40% […]

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Toilet Paper And Other Useful Paper Recycling Tips

OK  as always looking at ways to save some money and help the the planet and health toilet paper is one area we can achieve all with equal positive results. I have not purchased toilet paper for many years and save at least £200 per year on average using old newspapers for various tasks Also recycling old discarded newspapers is one way to wipe the smile off the toilet roll manufacturers face. We have an advantage over those that work. […]

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