What has made this time round on UC much easier is the extra £86pcm added to UC by the Government in April. I also came from a better situation to UC than I did the first time round so I didnt need to use the Short Term Benefit Advance. Both of these things (extra £20pw, and no loan repayment) makes living on UC much much easier. I think it will become very difficult when/if the Government retract the extra they added to UC next year. I think they will because they said it was just for a year and its the biggest increase in a benefit I have ever seen in my 20+ years of doing this job. It wont last.
And that I feel will bring about problems with my budgeting.