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....eh? O_o
It's hard to get such benefit systems right, it seems they want you to eat up savings first. Which is fine, but then how do you think people will be able to buy a house/afford uni for their kids? Perhaps ear marked savings are the way forward, but those also need audited maybe...auditing costs £££
She can't put it into a savings type that won't count? No idea if such types exist (ISA?) but yeah savings means you get nothing.
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Closest to a savings type that won't count is something like Stamps or art.
Physical, and hard to track. I suspect that Stamps might be much better than gold, as they're much much harder to value.
Nothing that's easily valuable is ignored (eg shares are easy, gold would be relatively easy, but harder to trace).
GF is self-employed, earns below the threshold for dental care, but as she's been saving for a house, has too much cash so has to pay. As soon as that cash is gone, problem solved?! #wtafigo