Families should be able to ‘opt in’ to an online budgeting tool under the new Universal Credit, which allows them to determine the direction and frequency of benefit payments, according to a think tank. The Social Market Foundation (SMF) report ‘Sink or Swim’ warns Universal Credit is at risk of “backfiring” and shows that the changes - including monthly payments and housing benefit paid to claimants in the social rented sector from next October - will leave many ...