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Low-income families are faced with ongoing challenges in budgeting and balancing the regular costs of living with meeting the need for more occasional and one-off items. But it is not just expenditure that is ‘lumpy’ in this way. Income can also come into households at different times and in different amounts. Research with families looking in depth at money management highlights something of a paradox in the juggling of low income.

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As the school year starts again, parents will be sending their wee ones off to school or nursery and will perhaps be thinking about moving into work themselves. For lots of people this will also involve turning to universal credit for help to pay with childcare costs. A new report from CPAG in Scotland’s Early Warning System suggests for some parents and childcare providers claiming universal credit childcare costs may be not be entirely straightforward.