Inside the UK’s ‘stressful’ cost of living crisis Burnham hopes to tackle

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The 54-year-old, who has four children, started relying on food banks, nonprofit initiatives that collect and provide free emergency food to those in need, after her son and his girlfriend moved out following the birth of their baby in February.

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The stress compounds an already precarious situation.

O’Hara has multiple myeloma, a blood cancer, and has been hospitalised three times since October on life-saving antibiotics after infections forced her to pause chemotherapy.

Her cancer is in remission, but doctors have told her it is likely to return before she can resume treatment. Her husband died of lung cancer last year.

Two of her children are on Universal Credit, the UK’s main working-age welfare monthly payment, including support for housing, children and low income or unemployment.

The UK has been in an acute cost of living crisis since inflation surged from late 2021, driven initially by pandemic disruption and then by the spike in energy prices following Russia’s invasion of Ukraine.

But for households like O’Hara’s, the strain runs deeper, with its roots in more than a decade of austerity, weak wage growth and stagnant productivity, compounded by the economic impact of Brexit.

That longer history is central to Prime Minister Andy Burnham’s political pitch. To tackle the UK’s cost of living crisis, the new premier has set out a 10-year plan built around expanding social and affordable housing, reforming Universal Credit and investing in local economies.

He is currently touring the nation to engage with people’s financial concerns.

Universal Credit is meant to act as a safety net, but for many, including O’Hara, it no longer stretches far enough to cover it.

Research from the Joseph Rowntree Foundation puts scale behind stories like O’Hara’s.

Tims traced the roots directly to policy choices.

He welcomes the removal of the two-child benefit limit in April, estimated to have lifted about half a million children out of poverty, but argues it needs to be paired with a “protected minimum floor” in Universal Credit and higher local housing allowance rates to make private rents affordable again.

Lang cautiously supports Burnham’s approach, but warned against expecting a single set of measures to fix things.

He argued that governments need to track wellbeing alongside growth and employment, so policymakers can see “not just how the economy is performing, but how people are doing”.

Evelyn Henderson-Child, senior researcher at the Centre for Local Economies (CLES), said that even when growth does happen, it does not reliably reach those navigating the crisis.

The answer lies less in growth itself and more in who benefits from it, she believes.

But the debate over growth statistics and structural reform is of little consequence for O’Hara.