Motherhood, mental illness and beyond

Posts tagged ‘JSA’

5 ways to escape poverty in the UK

I’ve been amazed recently at how little empathy the British public seems to have for the poor in this dreadful economic situation of ours. But following my recent post about the scrounger stereotype I’ve been contacted by a lot of people who were genuinely surprised and horrified at the gap between the rhetoric and the reality. I’ve come to realise that a lot of people are just too fortunate to understand why a problem they see as easily solveable can actually be very complex.

Just get a job

As I wrote in my earlier post, this is often far from easy. Recent figures show that there are at least 4 Jobseekers claimants applying for each unfilled JobCentre vacancy in the UK; in some areas there are more than 20 JSA applicants per vacancy. Then of course there are those who are already working but are applying for other jobs. A few years ago a new supermarket opened in the city where I lived and over 5,000 people applied for 350 jobs.

Childcare costs often prevent parents from working, as does the rarity of work in school-hours only. Some parents are able to work around this by training as childminders and looking after other people’s children as well as their own but this isn’t always appropriate or an option.

Learn to budget

An assumption often seems to be made that the poor fritter their money away, that if they could just learn to budget they’d be fine. This may be true for a few but in my experience those on the breadline are extremely good at budgeting – they have to be. When your basic expenditure is nearly equal to (or sometimes exceeds) your income you learn to be very careful with every penny. Of course living in the edge like this only works until the unexpected happens. Perhaps the car breaks down or maybe it’s the boiler; your child has a growth spurt and needs new clothes or shoes; there’s an essential school trip that hadn’t been mentioned before. This leads me onto the next point…

Don’t borrow money you can’t repay

Unexpected costs tend to lead to borrowing. Perhaps the individual is lucky and can borrow from friends or family but more usually it’s a credit card that covers the gap. Bank loans are highly unlikely and so the payday lenders have cornered the market. They guarantee you a short-term loan no matter what your circumstances are – but the interest rates are extortionate, usually 3,000% or higher. And of course once you’ve borrowed money your monthly expenditure increases until you can pay back the debt. But if you were already stretched to the limit you won’t be able to pay it back.

Don’t have children if you can’t afford them

This one irritates me intensely. Yes, the ‘scrounger’ who deliberately has hordes of children while claiming benefits is a popular stereotype (mostly thanks to portrayals in the press or television programmes like Channel 4’s Skint) but it is very far from the norm. What many people don’t seem to realise is that circumstances can change. People fall ill, are made redundant or have their hours cut. Just because someone is poor now doesn’t mean that it was always thus.

Another point worth making is that even the most effective contraception can fail, even when used correctly. If a baby is conceived unexpectedly the impoverished parents have few options – have an abortion, give the baby into care or keep the baby and struggle on. Having been in this situation I can assure you that it is a dilemma I would not wish on anyone.

Sell the car

Not a bad suggestion if you live in a city with cheap and frequent public transport. But if you live anywhere else it’s unlikely that his solution is as cost effective as you might think. Where I live the bus I would use most often runs once an hour and not at all on Sundays or bank holidays. It also costs £4.20 to travel 2 miles.

I don’t have a clever or pithy conclusion to this post. But in the week that a report by Oxfam and Church Action on Poverty announced that “There is mounting evidence that the inadequacies of the welfare safety net are now directly driving the growth of hunger and reliance on charitable food handouts” it seems to me that a little less ignorance about poverty and a little more empathy towards those suffering it can only be a good thing.

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Scroungers, scum and society’s ignorance

Benefits, welfare, the dole – call it what you will. It’s the financial safety net that attempts to aid and protect the poorest and most vulnerable in our society. It pays for housing for those who can’t afford it, it pays for clothes and food for children when their parents are out of work, pays for appropriate help for the elderly and those with disabilities.

But thanks to years of inflammatory rhetoric from politicians and the media, those in receipt of benefits are demonised, hated, mocked and looked down upon. They’re scroungers, scum, they all have enormous flatscreen televisions, they drink and smoke, they don’t want to work. It’s a familiar stereotype but it’s an inaccurate one. A YouGov poll recently found that two fifths of people asked think benefits are too generous. However it also found that people who know least about benefits are the most hostile towards claimants.

The fact is that a far greater proportion of the welfare budget is spent on people in paid work than is on the able-bodied unemployed. According to the DWP Income Support and Working Tax Credits (both paid to those in work but on low incomes) in the financial year 2011-2012 amounted to £13.8bn. In contrast to this just £4.9bn was paid to those claiming Jobseekers Allowance. The same DWP figures show that welfare costs are divided as follows:

Elderly – 42.3%
Low income – 20.8%
Families – 18.4%
Sick and disabled – 15.5%
Jobseekers – 2.6%
Other – 0.4%

So much for the accusation that the unemployed are a major drain on the welfare budget.

Another popular whinge about those claiming benefits seems to be that it’s working people’s taxes who pay for their flatscreen TV and luxurious lifestyle. Now, putting aside that stereotype it is quite true that tax pays for the welfare system. It also pays for the NHS, road maintenance, the emergency services, the armed forces, schools, the royal family, council responsibilities such as rubbish collections and so on. Any working individual is paying a very small proportion of their tax into the benefits system and it’s very important that they do. Why? Because you never know when you might need that safety net. It’s all very well for working people to complain about the unemployed but the truth is that they are only one redundancy, one accident or illness away from being out of work themselves.

So let’s look at that stereotype now, starting with the inevitable complaint about flatscreen televisions. Firstly I’m not sure whether it’s even possible these days to buy a television that isn’t flatscreen. Secondly, it’s entirely possible that said television was bought in better times, while someone in the family was working. Thirdly, it may have been a gift. Fourthly and most crucially – it really isn’t anyone’s business what a benefits claimant spends their money on (this applies to alcohol and cigarettes as well).

Another common misconception about the unemployed is that they’re lazy, workshy and can’t be bothered to get a job. Well folks, it’s not that easy. Recent figures show that at least 4 people claiming Job Seeker’s Allowance apply for each unfilled JobCentre vacancy in the UK. In some areas of the country there are more than 20 applicants per vacancy. A JSA claimant has to show that they are applying for at least 3 jobs per week or they don’t receive the payment of £71.70. Yes, that’s all JSA is. Even allowing for housing benefit (which many jobseekers won’t be entitled to because they have a mortgage) and child tax credits/child benefit that’s a very small amount to raise a family on. Utility bills, food, clothing for growing children, money for school trips and expenses, maybe broadband to facilitate jobhunting and homework, maybe a car… Very few people claiming benefits are living a life of luxury.

So next time you hear the a politician or other public figure making inflammatory claims about those on benefits, or the next time you read an overly exaggerated story in the media, stop. Pause. Remember the DWP figures, remember the facts – and remember that one day it could be you on the receiving end of that hatred.

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