To struggle on this salary?

Hi OP, just wanted to come on here and say the same as the other, "hang in there".

Once nursery and car is paid you'll feel a lot better, then interest rates MIGHT come down and your student load be paid off.

You're doing great, you're providing for your child, holding down a good job, driving a nice car, paying towards a home which you'll own forever some day - you're doing great - keep going!

It does it buys 2.5 lots of luxury bedding from m&s

My post was in response to the OP saying, “i checked if I was entitled to anything but you have to earn loads less.” Which isn’t correct. Even if you remove UC from the calculation, she is still entitled to CB. OP also doesn’t say how many DC she has. If you add a second child into the equation, UC would work out better than tax free childcare.

Yes if you want to spend £500 on bedding £1k isn't a lot

But that's your want - if you can't live happily within your more than reasonable means then it's your wants that is the problem

Yes employer by expecting OP to work for free and them falling for it.

As a jogger on finance would cost more than my XC90 per month.

We have another car but I did not include that in my calculations.

Please point out where I have moaned, I will wait.

I have said that people believe 1k is a lot to live on for food, petrol, daily expenses it’s not nowadays.

You keep on about the car I drive, and not think of the bigger picture.

PS a Jogger costs £70 to fill up but would cost more in MPG for the travelling I do, as diesel works out cheaper over long distances.

But she wouldn’t be able to use tax-free childcare if she claimed UC, and with such a small amount of UC she would be worse off by losing TFC.

That’s not to say your post isn’t helpful; I’m sure it could prompt others to check their entitlement. It’s just not the right thing for this OP.

Check your entitlement again. Are you paying into a pension scheme - if so then keep going. It is going to get easier when those nursery fees drop.

You start your post with “OP I totally understand”, then go on to say that you’ve spent £500 on bedding. Do you really understand?

Or a Zafira, can get a decent one for less than £3000 in most parts of the UK, 7 seater.

Food, petrol, insurance, clothes, hair, days out for OP child, and you know something for OP to do for herself.

I have been jumped on for what we spent in a day, it was not a boast but just to show, how much things cost now.

Oh sorry, my mistake. So you only have one car, which is why it needs to have 6 or more seats. I did not realise you don't have a second car, as clearly it would be very easy to move 6 people in two fiestas.

So if you only have one car, and that one vehicle needs to have 6 or more seats, then what's wrong with the Jogger? Costs a fraction of an XC90, which means you wouldn't have to moan about your finances on mumsnet.

£119 for ONE bedding set?! I know it's not the point of the thread, and we're not struggling by any means, but I can't believe they charge that for a fairly average bedding set and it actually sells!

If £3100 is after tax, NI and pension contributions but before student loans, you should relook at UC and child benefit, Assuming you are over 25 but your first child was born after April 2017 the calculation for UC would look like:

Standard allowance £393.45
First child £287.92
Childcare element £680 (85% of £800)
Total = £1,361.37

Earnings minus work allowance
£3100 - £673 = £2,427

Earnings deduction
£2,427 x 0.55 = £1,334.85

Total allowed - earnings deductions = total UC for month
£1,361.37 - £1,334.85 = £26.52

Well good, petrol etc is going to take up a large amount of that

It’s not a wind up, I am showing that £1000 does not go far and certainly not on luxurious items.

People need to stop thinking £1000 is a lot of money now, with the cost of living and inflation it does not go far.

Where have I moaned, we have a large car as we have 4 kids…let me know how I can get 6 people in a fiesta…

Options, get a cheaper car, are you nit entitled to any childcare free hours or help? Drop to part time, spend more time with your child, pay less on childcare and let uc top of the rest otherwise you are working to break even and not being with your child as much but then I know it could affect your career going part time for the future and I also know my uc comment won't go down well here

🤣
Where have I said that it caused financial difficulties, I have said that we can afford it.

My point is things cost more in a cost of living crisis and people saying that the OP has 1k after essential bills is a lot depending on where they live, it’s not much.

The bedding I purchased was not made from unicorn mane just mid range bedding.

@TheSpoonyNavyReader My car is an Xc90 and for fuel was £112 and then ad blu came to the £150.

You drive a massive car that you don't need, and then you moan about financial difficulties on mumsnet?

Here we go, I am sorry that our bedding all started to wear at the same time.

My point is that,what some perceive as a lot of money does not go far now days.

I expect she is if she's entitled she's not thick

What? Then you don't buy the bedding you like if it causes you financial difficulties!

Are you utilising tax free childcare for the nursery fees?

I wish it was a wind up.

As I said we are lucky enough not to scrimp, those saying that the OP should not have a car on finance or buy a new jumper because they have 1k a month left over.

My car is an Xc90 and for fuel was £112 and then ad blu came to the £150.

Here is the bedding we purchased, plus fitted sheets. Yes we could have spent less but that is what we liked.