To be in this job and feel poor?

Well whatever life choices and sacrifices either made the fact remains that the OP has a decent salary, is a homeowner and is far from being 'so poor she can only afford beans on toast for dinner'.

I suspect that if she posted full details of her incoming and outgoings there would be evidence of spending that can be trimmed or expensive choices eg a car that cost more than necessary to meet the basic need of essential transport.

I get that increases in mortgage costs will have been a big shock but we've been here before and people had to take second or even third jobs just to pay their mortgage let alone pay for anything else.

And car finance was an impossibility. If you needed a car and had no money you paid a few hundred quid for a heap of junk and hope that it lasted at least a year or two.

Which it often didn't because then, a 10 YO car was a pile of rust fit only for the scrapyard whereas now they look and rin like new.

I'm 37 and take home around 55k. My mortgage is simular to yours and I am also supporting my son at uni. I have paid my student loans now thankfully but I am undertaking another MSc to hem further my career so that will start again once I finished. It feels tight I agree, but not impossible. I find meal planning has really helped reduce my spend on food enormously and I'm pretty tough about putting the heating so I will only put it on if absolutely needed. A dehumidifier has been a god send to help dry clothes!

My children are the next generation down to you and may never be able to afford to buy (at least without a lodger).
I would strongly suggest you do the boring thing and keep a record of what you spend over a fortnight or a month. And see if there are areas you can economise on.

Did you live the same life as OP and make the same choices and sacrifices? No? Oh! Explain what the point of your comment is then please

Take home day 3.4 k
Mortgage leaves you with over 2 k

You should be able to manage fairly well on that ?

And what's wrong with beans o toast or other cheap dinners? We did egg and chips tonight

The usual - write down everything you spend your money on and work form there what is really not essential - there are lots of things previous generations did without whilst buying their homes , no reason for you to be different

yours sounds expensive, ours is £250 a month for an old 4 bed house, we have a young baby so put the heating on more than we would. It was £200 a month before.

A 2 bed for a single person is a HUGE extravagance.

But yeah I get that you feel hard done by. Our whole generation is feeling it.

We are much worse off than our boomer parents.

Write an angry letter to your MP/newspaper!

Or you have very expensive energy.

We are on the standard price cap tariff, use heating (gas central heating) for at least 4 hours a day in winter and don't stint on hot showers.

Mine is £150 a month for a 2 bed and there’s only 2 of us who are both out all day.

We also don’t have heating apart from a log burner which uses wood.

I think you just have very cheap energy.

Your energy bill is enormous, really really enormous for a two bed place.

Honestly, sounds like there are ways that you can cut costs but probably need yo actively do it.

Could you take a couple of days off and go through all your bills, direct debits etc and then move them onto different providers wtc

OP can I ask what profession you're in?

You'll get people saying YABU but for a single person, with a decent sized mortgage, this isn't actually that much at all.

You need to look at that energy bill. Ours is £75 a month for a 2 bed place.

What profession???? Please put us out of our misery!

If someone is receiving benefits of 30k, has dependants (which is the only way they'll get anywhere near as much as this) and is managing, surely the OP shouldn't be struggling on double this alone though?

Yup! Tax free to boot!

Yep! And usually by someone who conveniently forgets that they receive the equivalent of £30k a year in benefits.

Totally understand where you are coming from. But you'll get roasted on here. Anyone earning over £30k is seen as rolling in it.

Also is there any side hustles you can do? Cleaning homes, pet sitting, bars? Don't be to proud, you need the money, it is what it is and you will get out of this situation.

You have mortgage and good credit (I'm assuming) a lot in a worse position, I earn less than that a lot of people do. Give yourself props. Nothing wrong with breakfast for dinner either

We have a joint income of 68k to feed 3 kids, 2 adults and a mortgage on a 4 bed house!! I consider us lucky.

I think you’ve done amazing to be on such a high salary at 35 and own your own home.

I am a couple of years younger than you and on less than half, with a child and in rented accommodation.

You should feel very proud of what you have achieved.

Your biggest issue is your high mortgage.

You either need a find a way to get this down (like changing mortgage companies or moving but I don’t know anything about these things) or find more money (like getting a lodger).

It’s absolutely shocking that someone on such a high wage, who has worked hard to get there can be struggling so much and it’s really unfair that the CoL has risen so much but wages have stayed the same.

I get it, on paper I should be okay in reality I'm sat here looking at next months shopping wondering where I can cut costs. I don't have dinner two days a week (I don't get home from work until quite late so don't feel like cooking and I get fed at my parents one evening).

It's things like mortgage going up, council tax going up, car insurance going up, rent going up (I live in shared ownership), mobile phone going up, all within months of each other. It's much harder taking on all this as a single person.

I can't take a lodger as I work from home 4 days a week, so don't have the spare room as my spare room is my office.

I have 3 kids but one is older and lives up north, but he still comes to visit too!!