I’m an unemployed mum, 27, in credit card debt

An image collage containing 2 images, Image 1 shows A young woman taking a mirror selfie with the text overlay "What I spent this week as an unemployed mum of 2 with credit card debt.", Image 2 shows True Religion bag and a McDonald's bag with text overlay "Friday: McDonald's - £2.45, Chinese - £23.40"

A 27-YEAR-OLD unemployed mother has shared a typical week of her spending which includes regular trips to McDonald’s. 

Not only this, but stay-at-home mum Maria Joy also treated herself to energy drinks and a Chinese takeaway.

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An unemployed mum has shared an insight into her weekly spending and multiple trips to McDonald’s is just the startCredit: TikTok/@themariajoy
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Not only did Maria Joy splash cash on energy drinks for herself, but she even did multiple trips to Tesco tooCredit: TikTok/@themariajoy

But since showing off her weekly purchases, the content creator, who has two children, named Noah and Tommy, has been slammed and told to “be an adult.”

Posting on social media, the self-proclaimed “shopaholic” gave a breakdown of seven days of purchases and alongside a selfie she wrote: “What I spent this week as an unemployed mum-of-two with credit card debt.”

On Monday, the brunette confirmed that she spent £6.67 at McDonald’s, £5 in a local charity stop and £14.95 in Home Bargains.

Not only this, she also stocked up with a “mini” haul of groceries and spent £33.26 in Tesco and then £22.73 at a Tesco garage.

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On Tuesday, Maria got McDonald’s again, as she confirmed that she spent £1.59 at the fast food chain.

Then on Wednesday, Maria was able to restrain herself and confirmed that she had a no-spend day.

On Thursday, Maria kept her spending fairly low, but stocked up on two Monster energy drinks and crisps from Co-Op which cost £4.49.

As well as this, she also spent £4.29 at McDonald’s.

Following this, on Friday, Maria went all out and got not just one but two takeaways.

As well as spending £2.45 at McDonald’s, Maria then got a Chinese, which cost her £23.40.

Whilst she had a no-spend day on Saturday, on Sunday Maria spent £3.90 at her local Tesco garage.

In total, Maria’s weekly spend toted up to £122.73. 

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.

Reflecting on her week of spending, Maria wrote: “Not sure if that’s a good total or a bad one.” 

And despite buying McDonald’s four days out of seven, Maria later confirmed: “I usually go every day so I did well this week.” 

Social media users fume

Maria’s TikTok clip, which was posted under the username @themariajoy, has clearly left many open-mouthed, as it has quickly racked up 45,800 views. 

Social media users were horrified by her spending and many eagerly raced to the comments to express this. 

One person said: “Well if I was unemployed and in credit card debt, McDonald’s and cans of Monster would be the last things I would be buying.” 

Nobody needs a daily treat especially when drowning in debt and unemployed


TikTok user

To this, Maria clapped back and wrote: “We’re all allowed a treat no matter the situation.” 

Meanwhile, another questioned: “McDonald’s 4 times in one week?!”

In response, Maria asked: “Is that a lot?”

At the same time, a third commented: “I work full time as does my husband and we can’t afford that.” 

Whilst someone else chimed in and slammed: “Time to be an adult now.” 

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As well as this, another user fumed: “Treat mentality is what causes debt. Nobody needs a daily treat especially when drowning in debt and unemployed.” 

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