I quit my job, signed up to Universal Credit and had my third baby – taxpayers call me ‘selfish' but I don't care

The Sun

07-07-2025

A MOTHER has revealed that she quit her job, signed up to Universal Credit and had another baby.
But Xai, a mum-of-three who lives in London, has since been met with a barrage of abuse, as nasty trolls accuse her of being an "embarrassment."
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However, Xai has confidently clapped back to the keyboard warriors and shared that she wants to be 'present' and 'raise' her little darlings herself.
It comes after the content creator took to social media and uploaded a video of her alongside her youngest child.
Xai confirmed that recently, people have said to her: 'You look happier.'
Setting the record straight on the change in her mood, Xai acknowledged: 'Thanks I quit my job, signed up for Universal Credit and had another baby.'
But as Xai laughed for the short video, she also wrote: 'Gonna really annoy the (income) taxpayer with this one.'
While Xai didn't confirm how much income she receives through Universal Credit, the standard amount for those who are single and under 25 is £316.98 a month, while it's £400.14 for parents who are single and 25 or over.
Meanwhile, for those living with a partner and both are under £25, the standard amount is £497.55, while it's £628.10 a month for those living with a partner and one or both are over 25.
Claimants will also get the child element added to their standard amount if they are responsible for a child who normally lives with them.
There are extra amounts for a second child if they were born before 6 April 2017.
Claimants usually only get an additional payment for three or more children if they were born before 6 April 2017.
I lost 'everything' when UC stopped my £4.3k-month payment... now I've been sacked from my new job
The additional child payment is £339 a month for those with an eldest child born before 6 April 2017.
It is £292.81 a month if a parents' oldest child was born before 6 April 2017 and for a second child and each eligible child after that, it is £292.91 a month.
Big divide
Xai's TikTok clip, which was posted under the username @ xainlo_3, has clearly left many open-mouthed, as it has quickly racked up 117,900 views.
Not only this, but it's also amassed 4,214 likes, 214 comments and 115 saves.
But social media users were left totally divided by Xai's clip - whilst some understood her motivations, others called her "selfish."
One person said: 'You're an embarrassment.
'Bringing children into the world so they can suffer with you isn't a flex.'
To this, Xai clapped back and confirmed: 'No one [is] suffering round here.'
Another added: 'And my taxes are paying for it… cheers.'
Eager to share her story, Xai wrote back and shared: 'No sir I've been an income taxpayer since I got my degree and we all still pay council tax VAT etc so your tax is not paying for a single penny of my life.
'I'm just getting back what's mine.'
A third commented: 'Oh my I'm not excited to turn 18 and pay these selfish ones wages.'
Not only this, but someone else wrote: 'Looool I don't mind mums getting my taxes just think it's sad you guys would wanna give your kids the bare minimum cause UC living is barely surviving.'
How much Universal Credit can you get?
TRYING to work out how much Universal Credit you can get can be overwhelming.
There are so many different elements that can affect your claim and it makes the whole process even more complicated.
There are several free calculators that you can use to help you get an estimate, such as Gov.UK, Citizen's Advice, MoneySavingExpert, StepChange and Turn2Us.
You will need:
Details of all your income, such as existing benefits, tax credits, earnings from employment and your pensions,
Details of your partner's income if you're married, in a civil partnership or living with someone as a couple. You will be assessed as a couple
Information on any savings you have,
How much you pay in council tax per year, and whether you get any discounts, reductions or exemptions,
Details of your rent or mortgage payments,
Employment and income information about anyone else living with you, such as grown-up children,
Details about your carer's allowance if you receive it.
You'll need to make sure that the information provided is as accurate as possible to get the truest estimate.
To this, the mum-of-three responded: 'I agree it's not enough to survive, but it's temporary while my kids are little.
"I want to be present and raise them myself. We'll worry about the money before and after.'
But at the same time, others were impressed by Xai, as one mother stressed: 'I wanna be like you.'
A second agreed and beamed: 'As a working mum! I get it! Enjoy your time.'
babies and herself first.'