I spoke to sheltercymru and they said anything used for essential expenses is deducted so it would be tapered for £6000 and stopped at £16000 they did mention there can be issues sometimes cos it’s UC advised I keep records, I cant take the email but can the vital info and list of where money will go and advised get reciepts for that - thats a problem because there’s no bank here, and the hub won’t print anything as not secure connection but I get paper statements (which are recognised legal documents) so I can provide those, except for the cash only landlord but the amount will be below £6000 by then.
They said under £6000 is ignored.