policy of direct payments requires "close monitoring" so as to make sure Universal Credit does not further discourage landlords from renting to people on benefits. Disincentive to save The Institute for Fiscal Studies has argued that Universal Credit is a disincentive for people to save money, as when liquid savings exceed £6,000 the Universal Credit award is reduced until savings fall below £6,000. Impact on the self-employed The Resolution Foundation has warned that Universal Credit will have a detrimental effect on self-employed people, because the level of Universal Credit awarded does not fully take account of any dramatic changes in their income from month to month. According to the Child Poverty Action Group, Universal Credit may the low-paid self-employed and anyone who makes a tax loss (spends more on tax-deductible expenses than they receive in taxable income) in a given tax year. Impact on disabled people Citizens Advice research argued that 450,000 disabled people and their families would be worse off under universal credit. The Work and Pensions Select Committee found Universal Credit's system of sanctions to be "pointlessly cruel", and asked for Universal Credit to be put on hold till it is clear that very vulnerable disabled claimants are protected from serious income loss. Single disabled people in employment were found to be £300 per month worse off when moved on to Universal Credit. Claimants risk being isolated, destitute and in some cases forced to rely on dependent children for care, according to the committee. Impact on passported benefits The Daily Mirror reported an example of a claimant who was moved over to Universal Credit from a "legacy benefit" and whose passported benefits, such as free school meals, were withdrawn in error. Domestic abuse Universal Credit payments go to one person in each household, so abuse victims and their children are often left dependent according to a Work and Pensions Committee report and abusers can exert financial control. It is feared this can facilitate abuse and enable bullying. Financial abuse is also facilitated, one abuse survivor said to the committee that "[the abusive partner] will wake up one morning with £1,500 in his account and piss off with it, leaving us with nothing for weeks." Committee chair, Frank Field said, "This is not the 1950s. Men and women work independently, pay taxes as individuals, and should each have an independent income. Not only does UC's single household payment bear