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The government's new system of benefit payments kicks in today .....

Instead of 6 separate payments such as income support, child tax credit and housing benefit --claimants will now get one single lump sum, straight into their bank account every month..and if that's you - you'll have to apply for it online

The Government says the scheme - called the Universal Credit system - will stop people getting trapped in the benefits system - and will make people better off if they go out to work.. Not many people are against that idea - .. but HOW it works is causing the sticking point

It means YOU have to manage the money yourself - pay your own bills and make sure you spread that money across the month

and you have to work a computer to claim the credits in the first place

So tell us what you think - is it wrong to ask people to manage their money and apply online -- they'd have to do that if they were working after all.....

Or is it just too much for some people to get their head around?