Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Living alone is tough financially

368 replies

Addictedtofizzydrinks34 · 08/03/2025 21:43

If you have a mortgage or rent a home alone..maybe different if you're mortgage-free or perhaps only renting a room or something.
You have to make sure you can afford everything each month. If anything breaks/needs repairing, you foot 100% of the bill. All renovations are paid for solely by you.
You have to make sure you have money aside for various things.
Living alone has many advantages, but financially it's tough and I'm not sure I can do it for much longer. It's stressful unless you have a lot of savings I think.

OP posts:
JimStirlingsPenisTransplant · 08/03/2025 23:43

Quoted wrong poster. That was meant for the bitchy cunt.

JimStirlingsPenisTransplant · 08/03/2025 23:41

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Poppyseeds79 · 08/03/2025 23:41

SugarandSpiceandAllThingsNaice · 08/03/2025 23:36

I wouldn’t be asking for government help to do that, no.

Neither am I? I'm just tootling along paying my taxes the same as the next person.

DaniMontyRae · 08/03/2025 23:40

SugarandSpiceandAllThingsNaice · 08/03/2025 23:21

I’ve been a lot more polite than that. That is sinking to a new level of nastiness to call me the b word.

They didn't call you the b word. To bitch is another way of saying to whine, to complain to moan etc. That poster was saying instead of being grateful you whine/moan.

Keepitrealnomists · 08/03/2025 23:39

Of course it's harder on your own, I lived alone and supported myself from the age of 18 - 25, bought a house with ex then lived alone from 28 -30. In my early 20s I was working 60hrs overtime a month just to pay for everything. It was hard. This isn't a new thing, it's always been hard..

BassesAreBest · 08/03/2025 23:39

The counter argument is "I wish I had the luxury of only providing for me, but we have four people to provide for on that one same salary"

But then the counter-counter argument is that “You chose to have children and your partner to stay at home, otherwise you could have had the “luxury” of only providing for yourself”

And then we go round in circles.

Everyone’s life is hard at times. Can’t everyone have a bit of a moan about things?

SugarandSpiceandAllThingsNaice · 08/03/2025 23:39

Basically you say "only I am providing for me, its not fair!". The counter argument is "I wish I had the luxury of only providing for me, but we have four people to provide for on that one same salary"

Funny how when I say it, I get vilified and called a bitch and a cunt, and told to fuck off and shut up. Got to love how warm and welcoming my adopted country is, it just makes 25 years of paying taxes and getting British citizenship all worth it.

Tillybud81 · 08/03/2025 23:38

Well this thread has escalated 😳

But on the actual point, yes I think it's bloody tough. My mortgage is high cos I'm old(ish) could only afford a one bed flat cos where I live is expensive (can't move elsewhere as that would mean another country) so no spare room to rent out. Food is a pain and I've actually gone mostly vegetarian cos it's just easier to buy veg in single size portions, and tend to batch cook a lot.

I'm not a high earner, I'm in my 40s so I'm not house sharing, my siblings are very much older and very much married so no buying with them. My only option was to stay with my elderly widowed mother (who incidentally also finds it harder to live alone, I'll suggest she gets a lodger)

I've made a choice and I'm not crying about it, I don't need any tiny violins 🙄, but living alone is tough financially! End of

SugarandSpiceandAllThingsNaice · 08/03/2025 23:36

Poppyseeds79 · 08/03/2025 23:34

Right, so you'll not be wanting to keep a home available in case one or both of your children need to return? Or wanting to keep anything you've spent hard earned money on? You'll just be dumping it all and saving a few hundred a month in a flat share. And then doing what when that ends?... Oh, presumably replacing it all and starting again? I wish I had money to burn like that! 🎻

I wouldn’t be asking for government help to do that, no.

mrsm43s · 08/03/2025 23:36

Spectre8 · 08/03/2025 23:19

And they whinge every year about wanting more benefits from taxpayers. Never see a budget where a single person no children is given a benefit or financial tax break or indeed some help.

It's the single child free taxpayers paying for benefits for everyone else and yet they want more and then whinge if you dare to aya how life is tough and tell you to house share!

One wage supporting one person with no impediments to climbing the career ladder shouldn't need benefits.

If you're a low earner, then you're going to find life tough.

But single doesn't need to equal low earner. Indeed, with no other responsibilities, singles without dependents are the best placed to climb the career ladder. And they have the luxury of only themselves to provide for.

If you have disabilities, you can claim benefits, regardless of relationship status.

You don't get to claim benefits for bringing up kids you don't have, obviously.

I've never claimed a benefit in my life (although I hope state pension is still around once I get there!). Never whinged about them either.

Basically you say "only I am providing for me, its not fair!". The counter argument is "I wish I had the luxury of only providing for me, but we have four people to provide for on that one same salary".

oakleaffy · 08/03/2025 23:36

SugarandSpiceandAllThingsNaice · 08/03/2025 23:28

Yeah if I had to. It’s just stuff. Easy come and easy go. You learn to not require 2 double beds per person when you’ve actualky had a hard life.

Many people have had hard childhoods- I know a millionaire who as a child had to share a double bed with four siblings - head to tail.
He left school at 14 and no one gave him anything... he worked his way out of the morass of poverty as many do.

melonalone · 08/03/2025 23:35

Bluesandwhites · 08/03/2025 23:33

Has anyone noticed the OP has not returned, updated or reacted?
Instead, the thread has been taken over by someone with a huge chip on their shoulder, to say the least. Oh, woe is me, life is grim . . . . . .

The OP has more sense than the rest of us! 😂 Goodnight all - I hope you all have the lives you deserve!

Poppyseeds79 · 08/03/2025 23:34

SugarandSpiceandAllThingsNaice · 08/03/2025 23:28

Yeah if I had to. It’s just stuff. Easy come and easy go. You learn to not require 2 double beds per person when you’ve actualky had a hard life.

Right, so you'll not be wanting to keep a home available in case one or both of your children need to return? Or wanting to keep anything you've spent hard earned money on? You'll just be dumping it all and saving a few hundred a month in a flat share. And then doing what when that ends?... Oh, presumably replacing it all and starting again? I wish I had money to burn like that! 🎻

Bluesandwhites · 08/03/2025 23:33

Has anyone noticed the OP has not returned, updated or reacted?
Instead, the thread has been taken over by someone with a huge chip on their shoulder, to say the least. Oh, woe is me, life is grim . . . . . .

Pinkfluffypencilcase · 08/03/2025 23:33

Tharr the a not true. It’s hard yes but there’s a safety net.
There isn’t one when no children at hone. I’ve done both I know the difference.

SugarandSpiceandAllThingsNaice · 08/03/2025 23:31

Newmeagain · 08/03/2025 23:27

Yes, agreed. As a lone parent (not by choice) I have felt discriminated against. Paying a lot more tax than couples but getting no help in return.

Agreed too. Single people with no kids are living well compared to you.

StarDolphins · 08/03/2025 23:30

I live alone with my DD but I’m financially miles better off than when my ex lived here. Quick shower for both of us v long shower for my ex. Low meat meals for me& my DD v meat at every meal when ex was here. He also only paid half towards bills because I outright own but with the added expense, I’m way richer now.

EG94 · 08/03/2025 23:29

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

SugarandSpiceandAllThingsNaice · 08/03/2025 23:28

Poppyseeds79 · 08/03/2025 23:25

Well you weren't that polite to me with your snarky comment and worlds smallest violin saying I've got too much stuff? 😂

So, once again... Do you not own anything in your home for you and your family? And if you end up living alone in the future will you be tossing it all in a skip to go and share a flat with a stranger? 🤔

Yeah if I had to. It’s just stuff. Easy come and easy go. You learn to not require 2 double beds per person when you’ve actualky had a hard life.

Newmeagain · 08/03/2025 23:27

HauntedBungalow · 08/03/2025 23:12

A lot of the extra expense of living alone comes down to economies of scale. But, there are some aspects that are more policy driven. Lack of earning top ups is a big one. Council tax is another huge one. Single people pay 50% more than people in a couple. So that's 50% more tax, not bills or food or discretionary spending, that's money the state demands from you. Also, married couples pay less income tax. Fuck knows what the rationale is for that. Single people are more likely to live in smaller dwellings and unfortunately in the UK smaller dwelling inevitably means leasehold which as far as I can work out is a legal fiction designed to fleece householders - thankfully the current government says they'll do away with it; we shall see. All of these things are an extra whammy for single person households.

Yes, agreed. As a lone parent (not by choice) I have felt discriminated against. Paying a lot more tax than couples but getting no help in return.

SugarandSpiceandAllThingsNaice · 08/03/2025 23:27

EG94 · 08/03/2025 23:24

@SugarandSpiceandAllThingsNaice I didn’t call you a bitch. 🤣🤣 you honestly don’t read. I said you bitch as in instead of being grateful for the safety the UK offered you’re bitching 🤣

I know what you meant. I owe you no gratitude or humility.
You didn’t personally have anything to do with anything, you were probably a child then.

Poppyseeds79 · 08/03/2025 23:25

SugarandSpiceandAllThingsNaice · 08/03/2025 23:21

I’ve been a lot more polite than that. That is sinking to a new level of nastiness to call me the b word.

Well you weren't that polite to me with your snarky comment and worlds smallest violin saying I've got too much stuff? 😂

So, once again... Do you not own anything in your home for you and your family? And if you end up living alone in the future will you be tossing it all in a skip to go and share a flat with a stranger? 🤔

lookatthathorse · 08/03/2025 23:25

SugarandSpiceandAllThingsNaice · 08/03/2025 23:21

I’ve been a lot more polite than that. That is sinking to a new level of nastiness to call me the b word.

She didn’t call you a bitch, she said that you’re bitching. It’s a verb in the context she used it.

Geez 🙄

BassesAreBest · 08/03/2025 23:25

SugarandSpiceandAllThingsNaice · 08/03/2025 23:21

I’ve been a lot more polite than that. That is sinking to a new level of nastiness to call me the b word.

yet rather than being humble and grateful you bitch because you had to financially support your own fucking family.

This isn’t calling you a bitch. It’s saying that you are bitching (i.e. complaining) about something.

Just pointing this out for the purposes of accuracy.

HauntedBungalow · 08/03/2025 23:25

Anyway OP I don't know what you're whining about. I've got a massive house and eleventy million children while, alas, I have no head. All you have to do is worry about potential destitution and freezing your fruit. You should try living without a cranium once in a while, see how you like that, you massive moaning headful minnie.