Universal Credit

Jemma, 31, has two children and works in the borough. She shares her experiences of being on Universal Credit.

“I used to be on income support, but a change in circumstance meant I was transferred across to Universal Credit in March 2017. I found the application process fairly straightforward, but the big change for me was getting one monthly payment, when I was used to getting my payments weekly.

I knew I needed to start budgeting differently. I checked I was on the best tariffs for energy, broadband and phone. I started topping up my electric key meter every month rather than every week, and I changed all my Direct Debits to come out just after my payment date.

I also make a meal plan each week, write a shopping list, then buy exactly what I need. I now waste a lot less food and a lot less money! Making these changes meant I spent less, and could also work out how much I had left after bills and food to spend on other things.

I’ve found it really helps to check the amount I’m due a couple of days before my payment each month, so I have time to query any issues. I also make a note of any phone conversations I’ve had with DWP, so I have a record of everything.

When I first applied for Universal Credit, getting an advance payment made a huge difference to me and I’d recommend anyone who needs it apply - your work coach will help you. It covered the five-week gap between applying and getting my first payment. I got the money very quickly, and 12 months to pay it back.

Being on Universal Credit is now working well for me. But it’s reassuring to know that there is so much support available locally if I need it.”