Universal Credit mum uses Klarna for food shop even though husband earns £50k

A mum-of-five with a £62,000 household income has resorted to using Klarna to afford her food shop - due to the cost-of-living crisis.

Laura said: "I’ve seen the struggles of so many families - I've been to food banks with mums and dads with their kids, waiting and wondering what they will be getting, it’s awful. The way I shop now, if I have £35 to spend for the week, I could get a £105 shop using Klarna and that's £105 worth of food in your cupboards and pay £35 per month back for three months.

She said: “The last shop I did I spent £1,050 and am paying £350 back each month. The same shop used to be £500 pre-covid which just shows how much costs have gone up – but it will last me a month and a half, which is not bad for a family of seven.""I'll get 10 packets of carrots at 65p a bag and prep them and put in the freezer," Laura said. Potatoes I'll get 10 bags and keep them in our cellar.

Laura, originally from Fife but living in Huddersfield, said: "Last year my benefits switched to universal credit - whereas before I was on tax credits and it has given me a cash flow problem. Instead of getting paid once per week I got paid once per month, which made things even more challenging, which is why I've had to start using Klarna.

"My mum was poor back in the eighties and nineties and we had to live off sugar sandwiches and chips and I feel if I go I am taking someone else's slot who might need it more. She mum used to get paid on a Monday and by Thursday she had no money left or food and then my grandma would have to help her out."

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