Families on low-incomes face constant struggle to get by

By Nuffield Foundation

Going without food and heating has become a routine part of daily life for families on low-incomes, according to the latest findings from the COVID Realities project.

Researchers say families on low-incomes are facing the fallout from the disruptions triggered by COVID-19, climate change, Brexit and now the war in Ukraine as the price of essential goods and services rise sharply.

COVID Realities was launched in April 2020 to document the experiences of parents and carers living on low-incomes during the pandemic.

The project, funded by the Nuffield Foundation, was due to end in December 2021, but was extended to capture the scale of the emerging cost of living crisis on everyday life on a low-income.

The findings from this additional work, which ran from November 2021 to March 2022, involved online diaries, responses to video elicited questions and online discussion groups. Parents and carers themselves developed recommendations of what needs to change, and why. 

Dr Ruth Patrick, who leads the research programme from the University of York’s Social Policy & Social Work said: “As winter 2021 loomed, we knew that the combination of the £20 cut to Universal Credit and the growing cost of living crisis would make daily life only harder still for families struggling on a low-income. 

“Even so, the evidence generated from this research is a damning indictment of the extent and nature of hardship that families on a low-income routinely face. 

“Families have nowhere else left to cut, and there is a pressing need for the UK government to improve the social security system so it supports families and guarantees them a decent level of income.” 

In advance of the Spring Statement, parents and carers on a low-income are calling for urgent reform to social security.  

Key findings

  • “There is nothing left to cut back” – people have reached the limits of their budgeting practices and resourcefulness.
  • ‘Going without’ essentials – without food and heating – has become a routine part of daily life for families on a low-income.
  • Life on a low income is having a negative impact on mental and physical health.
  • There is a need for significant changes to social security to address the problems of inadequate incomes. 

Dr Jim Kaufman, lead author of this report, said: “These findings underscore the need for urgent action to ameliorate the hardships faced by people living on the lowest incomes.

“But they also point to more long-standing problems in the way our social security system and labour market are organised. These problems are no less deserving of our attention, and it is vital that our conversations about how to address them include the voices of people with lived experience.”

While the measures announced so far by the Chancellor are welcome, families on a low-income describe them as short-term, narrowly targeted at energy costs, and failing to address the root causes of the problem.

Families on low-incomes call for radical changes

They are calling for permanent, radical changes that directly address the problem of inadequate incomes, including:

  • Increase the value of benefits in line with the rising cost of living (i.e. more than 7%).
  • Double child benefit.
  • Increase wages by bringing the minimum wage up to the real living wage.
  • Remove VAT from energy bills.
  • Reduce energy costs by reforming energy companies creating a fairer system.
  • Subsidise bills through a windfall tax on energy company profits.
  • Extend the warm homes discount.
  • Provide an emergency one-off payment of £200.

Related project


Explore our projects

A portrait of a teenager wearing casual clothing on an overcast summer day in Whitley Bay, Northeastern England. They are standing and looking concerned as they use their smartphone.
In progress

Welfare | 2026 - 2028

The digital lives of care-experienced children

View project
A simple wall sign outside the British Treasury building at 1 Horse Guards Road, just off Whitehall, London.
In progress

Welfare | 2026 - 2030

IFS Green Budget 2026 – 2029

View project
Young well dressed businesswoman working on a computer at the office

Welfare | 2026 - 2029

Pain-at-Work Toolkit for employees with chronic pain (definitive trial) 

View project

Welfare | 2026 - 2028

Examining gender pension gaps: trajectories over time in the UK

View project
Parents with baby
In progress

Education | 2026 - 2028

Your Baby and You: Developing the home learning environment for babies

View project
Houses along a street in the UK

Welfare | 2026 - 2028

Towards housing affordability: local supply drivers and optimal policy

View project
In progress

Racial Diversity UK | Welfare | 2026 - 2027

Racial equality since devolution: Divergences, outcomes and frontiers

View project
voters entering polling station to vote in election

Welfare | 2025 - 2026

Tax, benefits and public spending in the 2026 devolved elections

View project

Welfare | 2025 - 2026

2026 Scottish Parliament and Senedd election analysis

View project
A shot of a grandfather sitting in a tractor with his young granddaughter, he is at his farm in North East, England. The grandfather and the girl's mother are teaching her about the farm.
In progress

Welfare | 2025 - 2028

Arthritis and farmers in England: Impacts, adaptations and prevention

View project
row of houses
In progress

Welfare | 2025 - 2028

Musculoskeletal conditions in underserved communities

View project

Welfare | 2025 - 2028

Inequalities and the future

View project
A simple wall sign outside the British Treasury building at 1 Horse Guards Road, just off Whitehall, London.
In progress

Welfare | 2026 - 2030

IFS Green Budget 2026 – 2029

View project
A portrait of a teenager wearing casual clothing on an overcast summer day in Whitley Bay, Northeastern England. They are standing and looking concerned as they use their smartphone.
In progress

Welfare | 2026 - 2028

The digital lives of care-experienced children

View project
Young well dressed businesswoman working on a computer at the office

Welfare | 2026 - 2029

Pain-at-Work Toolkit for employees with chronic pain (definitive trial) 

View project
Parents with baby
In progress

Education | 2026 - 2028

Your Baby and You: Developing the home learning environment for babies

View project

Welfare | 2025 - 2026

2026 Scottish Parliament and Senedd election analysis

View project
Houses along a street in the UK

Welfare | 2026 - 2028

Towards housing affordability: local supply drivers and optimal policy

View project

Welfare | 2026 - 2028

Examining gender pension gaps: trajectories over time in the UK

View project
voters entering polling station to vote in election

Welfare | 2025 - 2026

Tax, benefits and public spending in the 2026 devolved elections

View project

Welfare | 2025 - 2028

Actionable insights to tackle UK dietary inequalities

View project
A mid-level street view of an older brick social housing block. To the left is a large green tree.

Welfare | 2025 - 2026

Navigating social housing tenancies: Language and cultural barriers

View project
A heavily pregnant mother working at home on her laptop while talking to her kids as they stand near her.

Welfare | 2025 - 2028

Effective hybrid work: Childcare, work-life balance and well-being

View project

Welfare | 2025 - 2028

Inequalities and the future

View project
A simple wall sign outside the British Treasury building at 1 Horse Guards Road, just off Whitehall, London.
In progress

Welfare | 2026 - 2030

IFS Green Budget 2026 – 2029

View project
A portrait of a teenager wearing casual clothing on an overcast summer day in Whitley Bay, Northeastern England. They are standing and looking concerned as they use their smartphone.
In progress

Welfare | 2026 - 2028

The digital lives of care-experienced children

View project
Parents with baby
In progress

Education | 2026 - 2028

Your Baby and You: Developing the home learning environment for babies

View project
In progress

Racial Diversity UK | Welfare | 2026 - 2027

Racial equality since devolution: Divergences, outcomes and frontiers

View project
In progress

Racial Diversity UK | Welfare | 2025 - 2028

Decline to renewal: Race, deindustrialisation and working lives

View project
In progress

Racial Diversity UK | Welfare | 2025 - 2028

Better mixing: Supporting Scotland’s diverse future

View project
In progress

Racial Diversity UK | Welfare | 2025 - 2028

Voices for equity: Moving from evidence to action

View project
Two mothers cuddle their daughter on the sofa with their dog: Welfare access, assets and debts of LGBT+ people in the UK
In progress

Welfare | 2025 - 2027

Understanding fertility intentions in 21st century Britain

View project
In progress

Welfare | 2025 - 2027

Musculoskeletal conditions, employment retention and job quality

View project
lady looking out of the bus window
In progress

Welfare | 2025 - 2028

Economic inactivity, arthritis & depression: who, why & how to respond

View project
row of houses
In progress

Welfare | 2025 - 2028

Musculoskeletal conditions in underserved communities

View project
A shot of a grandfather sitting in a tractor with his young granddaughter, he is at his farm in North East, England. The grandfather and the girl's mother are teaching her about the farm.
In progress

Welfare | 2025 - 2028

Arthritis and farmers in England: Impacts, adaptations and prevention

View project
Black woman typing on laptop in living room
Reported

Welfare | 2024 - 2025

Enhancing, localising and democratising tax-benefit policy analysis

View project
A middle-aged man sat at home is looking at this phone while sorting pension paperwork.
Reported

Welfare | 2023 - 2025

Collective defined contribution pensions with investment choice

View project
Two little boys and a little girl, all wearing primary school uniform, work together to solve a puzzle in their classroom.
Reported

Education | 2023 - 2025

What has ‘Free School Meals’ measured and what are the implications?

View project
Elderly man drinking tea at home with professional carer
Reported

Welfare | 2023 - 2024

Evidencing the outsourcing of social care provision in England

View project
Older woman using a tablet to make a video call
Reported

Welfare | 2023 - 2025

Remote osteoarthritis peer-mentorship for socioeconomically underserved people

View project
Older man working from home on a video call
Reported

Welfare | 2022 - 2024

The impact of pension auto-enrolment and COVID-19 on saving behaviours

View project
A man working as a delivery driver sits in the driver's seat, checking his list on a tablet
Reported

Welfare | 2022 - 2023

Redesigning labour market policies for the future of work

View project
A group of women walk in a park with their children in pushchairs
Reported

Welfare | 2022 - 2024

Nature-based integration: connecting communities with/in nature

View project
Reported

Education | Welfare | 2022 - 2024

Understanding school attendance, education and labour market outcomes

View project
Two women talk outside a cafe
Reported

Welfare | 2022 - 2023

Housing 21: exploring a more inclusive model of cohousing

View project
A child with headphones sitting on her own using a laptop
Reported

Education | 2022 - 2023

The longer-term impact of COVID-19 on pupil attainment and well-being

View project
A woman helping a little girl get ready for school
Reported

Justice | Welfare | 2022 - 2024

Race, religion and representation among care-experienced children

View project
Search projects

We improve people’s lives by funding research that informs social policy, primarily in Education, Welfare and Justice. We also fund student programmes that give young people skills and confidence in science and research.

We offer our grant-holders the freedom to frame questions and enable new thinking. Our research must stand up to rigorous academic scrutiny, but we understand that to be successful in effecting change, it also needs to be relevant to people’s experience.

Profile