I am a man in an unusual position.

I am at the date this is written  a Housing Benefits Officer, Housing Benefit claimant, landlord and tenant.

At the moment things are going well. Sure I am up to my eyes in debt but I have a job I adore and amazing friends and family. I work from home 3 days a week and spend another day in an office with colleagues who are a joy to be with. Away from work I have a hobby that sees me alongside people who i idolized as a teenager.

However Universal Credit will change that. Not only will my job as a Housing Benefits officer go but due to my owning a flat which I rent out I will not receive any financial aid from the state under Universal Credit rules.

I’m not whinging though. Not many people get up to 4 years to plan for the brown stuff hitting the whirly bird. I hope you enjoy following my journey into financial ruin.


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