Is it Right to Claim Benefits?

There are many people that claim benefits from the government for all sorts of things. It might for their children or themselves for various reasons. There are some people that claim lots of benefits and have no problem with it and others that prefer not to claim anything at all. You may wonder whether it is the right thing for you to do.

Do not Make Fake Claims

Some people do make fake claims. It might be that they pretend they has a disability that they do not, claim they are unemployed when they are working or hide that they have savings so that they can get benefits. This is against the law and if caught, anyone doing this would be in a lot of trouble. It is also not moral to take money which you are not entitled to and it means that you could be taking money from someone that deserves it a lot more than you.

If you are Entitled why not Take it?

You may therefore feel that even if you are entitled to have benefits that you should leave the money for those that really deserve it. This is a very noble though to have but you should consider whether you will be able to manage without the money. Make sure that you have properly calculated whether you can afford to go without that help. Think about the income that you do have and the money that you need to pay out and calculate whether you will always have enough to cover it. You should also consider whether you might have higher costs at times which might mean that you need that extra money more. It could be worth taking the money and saving what you are not using and then keeping it by for times when you do need the money more. If you are in the situation where you have lots of savings and feel you have enough money, then you could either choose to spend it locally and boost your local economy or perhaps donate it to a charity that you care about.

If the money is for your children – perhaps child tax credits or child benefit then you could always save it up for them. The money should go towards buying things for them, but if you feel they already have enough from the money that you earn, then perhaps save the money for them. You could give it to them as pocket money to spend on what they wish, put it into a bank account for them or you could keep it in an account in your name and then gift it to them when they are older. You could perhaps give it to them towards a deposit for a house, to help towards the costs of university or towards buying a car. They are certainly likely to be grateful for the donation.

It is also worth thinking about the fact that the reason you are being given the money is because it is felt that your need it. Consider why it is felt that you need it and whether there are things that you should be spending it on. Perhaps you should be spending a bit more on yourself, your home, your family or whatever. Of course, some people do need more money than others, because they have higher bills to pay, bad credit payday loans to repay etc, but we all need certain things and perhaps the extra money might help us to pay for those.  If you do not have things like this, perhaps due to lifestyle choices that you have made, then there may be other things you can buy with it.

Do not Judge Others

Even if you choose not to take the money then it is good to make sure that you do not judge those that do. Unless they are making false claims, which is of course against the law and wring, they may just need it more than you do. People have all sorts of complex reasons for needing financial help and even if it is just that they are not managing their money well, we should not be using that as a way to judge them. It is not easy to be in control of everything in our lives, none of us are perfect and we should be kind to each other. As long as they are only claiming what they are allowed to claim, then they are doing nothing illegal and so there is no reason to feel jealous or annoyed with them for any reason.