The Untouchables


Akin to the UK Welfare State

Once again I find myself reading about, discussing and considering the ‘state’ of the UK welfare state.

There are certain ‘untouchables’ in most societies and the welfare state is one of them. However, regardless of its status the case still remains; people are discontent with the current UK welfare state.

People are increasingly becoming aware of the failings within the flawed system, and are on the receiving end of some hideously bad experiences. It is not the people that need to be coerced to change their views, but the system itself that needs to change to reflect the new world it inhabits.

The failure of the welfare system impacts on all people. This system failure, and its continued seepage of taxpayers money has been dragging on for too many years. It has become a bane to the country.

Yet, no Government has had the courage to address the root of the inequities in the system, from fear of upsetting the populace. Consequently the issues have become entrenched and vast to the point of nearly becoming impossible to solve! Plus, the system itself is so comprehensive and far from being ‘policed’ thoroughly enough; for example, it is impossible to unmask all the people who claim a benefit fraudulently or who aren’t receiving what they should! The reasons for this; the system has become a monster, biting the hand of its master, out of control almost! No one has the reins any-more.

Therefore, it is clear that the welfare system itself, its policies and procedures that make it what it is, are to blame. It needs instant reform!

It is now too far removed from its purpose. Welfare is meant to be a system in place for those most in need, but it isn’t; it is supposed to be a stop gap provision, but it isn’t; it’s supposed to prevent people falling into poverty, but it doesn’t.

So, change the system, and stop plastering over the cracks once and for all; before the whole house collapses!

To read more take a look at:
https://thesavvysenorita.wordpress.com/2012/11/05/struggling-to-make-ends-meet-poverty-in-the-21st-century/

https://thesavvysenorita.wordpress.com/2012/10/04/benefits-food-vouchers-the-new-universal-credit-errr-card/

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Copy Right Notice:
© Bex Houghagen and The Savvy Senorita, 2012. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Bex Houghagen and The Savvy Senorita with appropriate and specific direction to the original content.

Struggling To Make Ends Meet – Poverty in the 21st Century.


Ed Miliband (Leader of the Opposition Party), Boris Johnson (Mayor of London) and many others are now calling for, and indeed advocating the introduction of a living wage in the UK. What is this initiative? Well, it’s an hourly rate for working people, which is re-set each year to reflect the increases in costs of living. The rate of this living wage is based around what an employee requires to provide their family with the mere essentials of life.

The recommendations for these living wage rates are; £8.55 an hour in London and £7.45 an hour for the rest of the UK. Yet, these figures have already come under criticism for falling short of the real requirements of what workers need to survive.

Yet people are expected to now survive on a minimum wage. In comparison to the current minimum wage for those who are aged 21 and above, which is now a paltry £6.19 an hour; the figures above already prove a shortfall for the workforce. Most employers will only pay the minimum wage, regardless of the job, the duties and qualifications required. Cheap labour, exploitation and damn near slavery are what the UK work force is used to. With unemployment on the increase the employer ethos of ‘take it of leave it’ is never more powerful. People will put up with terrible wages and unfair working conditions or face unemployment. It isn’t exactly job satisfaction that keeps people working, inasmuch as sheer necessity. Workers in the UK are already being short changed of the basic requirements that are needed for them to actually live, so then how are they currently surviving without a living wage?

Well, when people don’t earn a living wage they have to work two jobs rather than one, get credit cards and loans merely to eat, and actually to travel to work! People are forced to live in poverty whilst actually working full time, their children aren’t eating properly, they can’t afford to heat their own homes and so and so on. What century is this anyway? Seems awfully analogous to something Dickensian.

Things have changed, relatively perhaps; but the premise remains the same.

So isn’t the living wage an answer to all those issues? Well, it is a fairer and more equitable option, where employees may actually feel they have value. Surely working people deserve to earn enough to live and participate in society, otherwise they might as well be outcasts. What are they working for exactly; and it isn’t just to pay taxes and pay bills (those days are, or I thought they were, over)! This isn’t a time of the landed gentry and farming peasants! People want to live a life! At the moment most people aren’t, so if the current minimum wage isn’t doing society justice then what are the issues with changing it?

Well, the UK Government are the issues. They aren’t sold on implementing a living wage, but crazily enough they are happy to provide benefits to subsidise low income families (those surviving off the minimum wage). In fact the amount of benefits being paid to those in work is on the increase! That means that society is already helping out low-paid employers, which to be honest really makes no sense. Doesn’t that outlay of benefits alone indicate that the wages are too low in comparison to the ever increasing cost of living and taxes? Why not then just solve the root of the issue instead of applying a sticking plaster that clearly doesn’t work; as people are still in poverty!

Yet, it isn’t merely about the cost of these benefits to the taxpayer; it’s about the cost of changing people’s work ethic. Actually demonstrating that is does pay to work. That people aren’t just working to pay the bills, and keep their heads just above the water line. That life isn’t all hard slog and little else; I mean isn’t that what the mill workers in 19th century thought about their lives? When will this working poverty and servitude ever change for the working people of the UK? It is a perpetual and entrenched vicious circle! What does society or the economy get out of such a system, nothing!

I thought we’d left the cotton mills behind?

For those who argue the UK couldn’t afford a living wage, that is somewhat naïve and morally wrong. What makes more sense; extra household debt (ethereal money that doesn’t really exist in the economy, and that no-one can afford to pay back), and money being given in benefits from taxes, or, money given in real wages whereby it can be properly invested into the economy?

I can see why this push for change is being blocked though; ordinary working folk could actually gain something rather than merely get less. I know; it’s a shocker and such an outrageous idea! How dare the ordinary people want more than merely working their hearts out for nothing other than paying their bills! What is the 21st century coming to?! Any new initiative meant to embetter a workers life comes up against opposition; the national minimum wage itself wasn’t looked upon favourably, neither were trade unions, equal pay, employee rights or the abolition of child labour, oh, and slavery.

How can a country prosper if their people don’t? Simple question, yet no one is willing to answer it!

Check out: http://www.livingwage.org.uk/

Copy Right Notice:
© Bex Houghagen and The Savvy Senorita, 2012. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Bex Houghagen and The Savvy Senorita with appropriate and specific direction to the original content.

Benefits = food vouchers; the new Universal Credit, errr, card?


A poll commissioned by one of the many ‘think tanks’ has come up with a surprising response; people would be in favour of benefit claimants receiving vouchers, or indeed a ‘debit card’ solely to purchase ‘agreed’ items, such as food.

Needless to say these findings have provoked disgust from anti-poverty campaigners, who have been questioning the so called findings as the response of those ignorant to the full facts, and influenced by propaganda surrounding benefit claimants from the UK media.

Alison Garnham, director of the Child Poverty Action Group, was the findings harshest critic, stating that we could discount what 59% of the research group agreed upon, vouchers for societies ‘slouchers’.

“In the United States in the 1960s, welfare rights campaigners argued for food stamps for certain groups on the basis that some of them were alcohol abusers, but it’s not an argument that ever took traction in the UK because people would find that offensive. I think we have a very different culture. I just don’t think it would be acceptable in the same way,” Alison Garnham, Demos fringe meeting at the Labour Party conference.

In the United States, ‘food stamps’ are in the form of pre-payment card (debit card of sorts), that is then used by the claimant to purchase food and other essentials, which do not include the ‘luxuries’ of life such as alcohol and tobacco.

Well maybe Alison Garnham should think again, as the findings of this research demonstrates that people don’t think changing the current benefit/ social security system would be ‘offensive’. Many do in fact feel that this benefit ‘charity’ should end;

77% said yes to monitoring people with a substance or gambling addiction, and 69% for those with a criminal or anti-social history.
68% agreed the government should stop all recipients from spending their benefits on gambling.
54% agreed with the government should prevent people spending their benefits on unhealthy items such as cigarettes or alcohol.
46% opposed benefits being spent on branded goods such as Nike trainers.
38% backed a ban on buying junk food and 35% on holidays.

(Poll was carried out by Populus Data Solutions, based on a survey of 2,052 adults)

With Universal credit making an appearance very soon, six work related benefits will be lumped together, making this an ideal candidate for such controlled measures, and a pre-payment style card.

In fact, so far not even Prime Minister David Cameron has denied that he is not completely averse to exercising more control over how claimants spend their money.

Leaving out the fact that Universal Credit is just a one size fits all benefit, which benefits no-one, not even the working UK populace. How would such a pre-paid card (debit card) exercise such control, and prevent people from just living their normal lives? Well, online gabbling would be blocked by such cards. Such transactions wouldn’t be permitted, therefore they wouldn’t gain authorisation; like a debit card refused for lack of funds in the bank.

OK, but how can a mere debit card encourage people to make more healthy choices, surely this is a tougher question to answer? Does anyone have the right to control or outlaw what people choose to eat, drink or even smoke? Even the Police department responsible for stamping out illegal substances can’t boast that feat! People will do anything to get what they want; they do for drugs! So will this ‘ban’ increase the illegal selling and distribution of alcohol and tobacco? Will people commit even more crime to get such items one way or another?

I know the inspiration for this debit card system has originated with parents and families in mind. People on benefits are seen to choose those above luxuries over actually feeding their children. On a tight budget even one pack of cigarettes is surely unnecessary though; if it means more food on the plate, electric in the meter or clothes on your back, which would you choose? There are people out there who do blow all their money on nothing, regardless of their children or their house hold responsibilities; but how can we intervene completely, maybe stop paying them altogether? Don’t such issues also affect those who work too?

I agree that any benefit isn’t a charity hand out, it is there for hard times; even charities stipulate where their money can go to, and how it can be utilised, but again how can you differentiate between the people in receipt of a benefit? There are claimants who have never worked, and not because they cannot, but because they don’t want to; then again there are those who have worked, and want to work, and also those who are indeed too ill to work. I know I wouldn’t want to have anyone treat me like a brain dead moron just because I was claiming a benefit; I would not appreciate being told where to and what to buy. Plus, it is also the stigma attached to using such a ‘card’, its letting everyone know; ‘Hey, I’m on benefits’, setting people up for ridicule. It is a too general answer to a problem, as not everyone on a benefit is a scrounger. So where do you draw the battle lines and makes the distinctions?

I know there are people on benefits who go away on holidays, buy iPhone’s, drive nice cars, have great big televisions, and have nights out wearing the best clothes; I have seen that happen quite frequently, but it is not the genuinely needy people who do this. Those that con the system are also usually working and claiming (fraud), gaining illegal earnings from something or just don’t care about what happens when the money has run out. Not everyone claiming walks the straight and narrow, just like everyone who works doesn’t! Yet, I still want to control my money whether I work or have benefit; I think that would be my right as an intelligent and educated person who has worked and contributed into the system!!! I am not a feckless individual, even if there are those out there who are! Why should decent people bear the brunt, as they are the people who will suffer; who won’t break the law to get more money, and they will struggle to survive.

I do feel the poverty situation is being ignored here too, as people on benefits aren’t the only ones in poverty. I know people who work, and are so overwhelmed by just paying their way because the cost of living is ever spiraling out of control. They can’t afford to eat, go on holidays, and buy expensive food and all the rest. Yet, I do know benefit claimants who can have those luxuries! So again how can we iron out all these contradictions from an entrenched and ineffective system, without the innocent and genuine suffering? How do we help everyone who needs help?

In addition, one of the most striking findings of the Demos ‘think tank’ survey was that 18-24-year-olds were one of the most likely age groups to call for government controls on how benefits are spent. Yet, these are the majority of people out of work in the UK. Plus only 2052 people were asked in the survey, not a gargantuan amount. How was the sample of participants chosen, where were they from; location and family background? Would be interesting to know.

Nothing in the UK social security/ benefit system is clear cut, therefore why should any of the decisions regarding its future be? Are those in power the right people to make the judgements? Surely those who live a real life need to have their say, before they are faced living their lives under some rule they then cannot change or influence.

Shameless; the true life of a benefit ‘scrounger’?

Copy Right Notice:
© Bex Houghagen and The Savvy Senorita, 2012. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Bex Houghagen and The Savvy Senorita with appropriate and specific direction to the original content.