Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To be so annoyed at this woman's financial incompetence

136 replies

LovingLimePeer · 11/03/2025 10:32

https://www.dailymail.co.uk/money/mailplus/article-14476595/six-figure-salary-rich-comfortable-heres-why.html?ico=mol_mobile_home&login&signinStatus=registered&signinMethod=google&dataCaptured=true&flowVariant=social_registration_nosubscribe#

For 1 person:
£500 on food
£750 on car expenses
£650 on cost of dog ownership
'a few holidays per year'
£250 cleaner

£200 pension (not enough!)

I'm just so fed up of all these well-paid financially illiterate people writing sob stories for the telegraph/daily mail about how they can't survive on their salaries.

This woman complaining about her £100000 salary not being enough could save £2100 per month if she bought a sensible car, didn't have dogs/a cleaner and took in a lodger.

With £2100 she could pay off her 23 year mortgage in just over 5 years OR
Retire at 68 with a pension pot in today's money of ~£1460000 (i.e. retirement income of £58000 per year in today's money). Not including money already saved in a pension.

If I assume she has saved £200/month into a pension for her whole career, she would have ~£427000 at retirement, enough for £17000 a year private pension, which given her extremely high expenditure.is simply not enough.

She thinks earning £20000-£40000 more would be enough but this is an expenditure, rather than income issue.

I'm just fed up of these people complaining. I suspect they'll end up poor in retirement, having never learned to live within their means with the rest of us paying for their stupidity.

I earn a six-figure salary but it just isn't enough. And here's why...

A meagre two per cent of people in the UK earn above £100,000, according to the ONS. But here, solicitor Kate Flounders explains why her six-figure salary leaves her wanting more...

https://www.dailymail.co.uk/money/mailplus/article-14476595/six-figure-salary-rich-comfortable-heres-why.html?dataCaptured=true&flowVariant=social_registration_nosubscribe&ico=mol_mobile_home&login=&signinMethod=google&signinStatus=registered#

OP posts:
BIossomtoes · 11/03/2025 13:37

Redscrunchie · 11/03/2025 13:07

Two years ago I finalised my divorce and moved from Kingston upon Hull with my two golden retrievers to a three-bedroom semi-detached house with an enormous garden, right by the sea, in Hartlepool.

Why though? A single woman doesn't need a 3 bed semi.

Im shocked though that it's only costing her £1K a month in this supposedly desirable area - you would get a one bed flat for that near me. Sounds like a bargain!

She also looks like it would benefit her to cut back on her food bill. Sorry, just saying.

Since when has Hartlepool been a desirable area? It was a shit heap the last time I was there.

BobbyBiscuits · 11/03/2025 13:34

That's what those articles are for, to make your blood boil. It's like the slightly more middle class version of the story in the Sun about a single mum spending some of her benefits on beauty treatments. These people are dumb enough to sell their stories to the press simply to be ridiculed and judged. So she earned about a grand just for shaming herself to the DM. And you read the article and shared it.

WhatWasPromised · 11/03/2025 13:34

Redscrunchie · 11/03/2025 13:07

Two years ago I finalised my divorce and moved from Kingston upon Hull with my two golden retrievers to a three-bedroom semi-detached house with an enormous garden, right by the sea, in Hartlepool.

Why though? A single woman doesn't need a 3 bed semi.

Im shocked though that it's only costing her £1K a month in this supposedly desirable area - you would get a one bed flat for that near me. Sounds like a bargain!

She also looks like it would benefit her to cut back on her food bill. Sorry, just saying.

So what is acceptable for a single woman? A bedsit? A single room in a shared house?

she works for herself so one room is probably her office, one her bedroom and one for guests. Hardly excessive.

Your final comment is just plain unpleasant and unnecessary

Twatalert · 11/03/2025 13:32

The difference between 40k and 100k today is at 40 you share a house with others and at 100k you can own an apartment

Galatine · 11/03/2025 13:32

Darkrestlessness · 11/03/2025 10:34

Stop reading the daily mail and the telegraph - problem solved!

This! I wouldn’t wipe my arse with the Daily Mail!

Twatalert · 11/03/2025 13:30

Badbadbunny · 11/03/2025 13:14

Re the holidays, often there's no "single room" supplement anymore because it's no longer relevant unless you're doing a package holiday where prices are based/averaged on two people.

If, as most people do these days, you buy different parts of your holiday separately, you buy "a room" which is usually for two people as few hotels have cheaper single rooms, so there's no "added supplement" as such, you're just buying a room, but paying entirely yourself instead of two people sharing the cost. Same with other aspects such as a hire car, - there are no cheaper "single" person cars. Same with airport taxis. You don't physically pay more, you pay the same, but don't have someone to share the cost with.

Often you get the crappiest room if you book single occupancy. I felt hotels were taking the piss many times and simply don't like to go anymore.

LizzieSiddal · 11/03/2025 13:30

Darkrestlessness · 11/03/2025 10:34

Stop reading the daily mail and the telegraph - problem solved!

First poster nailed it. Stop reading trash, you’ll feel much better about the world.

AnonymousBleep · 11/03/2025 13:29

Novotelchok · 11/03/2025 10:41

Next week's headline - 'mumsnet trolls made my life hell says financially illiterate high earner'

Problem is someone on £100000 with a sensible car, mortgage & food bill makes for a boring article. I am wondering how a dog can cost £650 a month though?

Dogsitting - she must have doggy daycare, and it's v expensive.

EdithStourton · 11/03/2025 13:26

tropicalroses · 11/03/2025 11:18

Shes having to pay for daycare. When you have a dog as part of a single person household the care costs can be crippling. If I need to go into the office for a day it costs me £30. Three days a week of meetings would slaughter me.

That was my conclusion.
If you don't have that in the mix, dogs can be fairly cheap - ours cost us about £200 pcm the pair, excluding kennels when we go away, and the occasional vet bill.

Bepo77 · 11/03/2025 13:24

It’s rage bait and you fell for it.

But yes you’re right, she could sacrifice her entire lifestyle and take in a stranger to live in her house - but why should she (slash anyone) work hard at a high paying job in that case?

And how is our welfare state supposed to support the record-high levels of benefits payments if high earners are taken the piss out of for wanting luxuries and deincentivized to work?

But this is mumsnet of course, where everyone is competitively broke.

BIossomtoes · 11/03/2025 13:19

Badbadbunny · 11/03/2025 13:14

Re the holidays, often there's no "single room" supplement anymore because it's no longer relevant unless you're doing a package holiday where prices are based/averaged on two people.

If, as most people do these days, you buy different parts of your holiday separately, you buy "a room" which is usually for two people as few hotels have cheaper single rooms, so there's no "added supplement" as such, you're just buying a room, but paying entirely yourself instead of two people sharing the cost. Same with other aspects such as a hire car, - there are no cheaper "single" person cars. Same with airport taxis. You don't physically pay more, you pay the same, but don't have someone to share the cost with.

So it costs more. Which was precisely @Twatalert’s point.

BIossomtoes · 11/03/2025 13:15

MeowCatPleaseMeowBack · 11/03/2025 12:32

High earners are leaving in droves

Citation needed.

You’ll wait a long time. The flow is currently in the opposite direction between the US and the UK.

Badbadbunny · 11/03/2025 13:14

Twatalert · 11/03/2025 13:09

You can't be serious? Yes, the food for two people costs more than for one person. You genius!

Two people share the same mortgage, heating, wifi, maybe even car, care for dogs etc.

Regarding holiday, it is not about an obvious single supplement. As a single person you just won't pay half of what a couple pays.

Re the holidays, often there's no "single room" supplement anymore because it's no longer relevant unless you're doing a package holiday where prices are based/averaged on two people.

If, as most people do these days, you buy different parts of your holiday separately, you buy "a room" which is usually for two people as few hotels have cheaper single rooms, so there's no "added supplement" as such, you're just buying a room, but paying entirely yourself instead of two people sharing the cost. Same with other aspects such as a hire car, - there are no cheaper "single" person cars. Same with airport taxis. You don't physically pay more, you pay the same, but don't have someone to share the cost with.

Twatalert · 11/03/2025 13:09

MoreDangerousThanAWomanScorned · 11/03/2025 13:03

Though I'm not that persuaded by her on that, really. Some of her costs (particularly the food, probably also the cost of travel) would presumably go up considerably for two. I have never actually personally seen a holiday with a single occupancy supplement, so they definitely aren't unavoidable. The biggest issue is having only one person paying for the mortgage, but she did make the choice to live in a three bed house alone.

You can't be serious? Yes, the food for two people costs more than for one person. You genius!

Two people share the same mortgage, heating, wifi, maybe even car, care for dogs etc.

Regarding holiday, it is not about an obvious single supplement. As a single person you just won't pay half of what a couple pays.

Redscrunchie · 11/03/2025 13:07

Two years ago I finalised my divorce and moved from Kingston upon Hull with my two golden retrievers to a three-bedroom semi-detached house with an enormous garden, right by the sea, in Hartlepool.

Why though? A single woman doesn't need a 3 bed semi.

Im shocked though that it's only costing her £1K a month in this supposedly desirable area - you would get a one bed flat for that near me. Sounds like a bargain!

She also looks like it would benefit her to cut back on her food bill. Sorry, just saying.

MoreDangerousThanAWomanScorned · 11/03/2025 13:03

MJconfessions · 11/03/2025 12:57

I read the article. It doesn’t really seem like she’s saying being a millionaire isn’t enough; rather that there’s a hidden cost of being single vs in a relationship. She lives in an affluent area after all, her neighbours are also going to be millionaires.

Though I'm not that persuaded by her on that, really. Some of her costs (particularly the food, probably also the cost of travel) would presumably go up considerably for two. I have never actually personally seen a holiday with a single occupancy supplement, so they definitely aren't unavoidable. The biggest issue is having only one person paying for the mortgage, but she did make the choice to live in a three bed house alone.

Twatalert · 11/03/2025 13:02

100k/yr isn't the paradise many think it is. This woman hasn't cut her cloth, but credit to her for setting up her own business and it sounds like she doesn't actually have a salary because of that. This comes with a different layer of risk and I can see how she feels uneasy. I wouldn't go from employed to self employed if it meant the same income.

100k make you comfortable in many parts of the UK, but not in London. I'm frugal myself and made some good financial decisions (one unknowingly but turned out to be brilliant years later). I don't have to worry about eating or heating, but I'm not throwing money around either. I think that if I had a car AND wanted to go on hols twice a year I would hardly save anything. People still think that on 100k you live like a king. You really don't.

Biggerbucket · 11/03/2025 13:00

She should take in some ironing

MJconfessions · 11/03/2025 12:57

I read the article. It doesn’t really seem like she’s saying being a millionaire isn’t enough; rather that there’s a hidden cost of being single vs in a relationship. She lives in an affluent area after all, her neighbours are also going to be millionaires.

IsawwhatIsaw · 11/03/2025 12:50

Stories like this are just clickbait to goad people into responding

LovingLimePeer · 11/03/2025 12:50

DateComing · 11/03/2025 12:37

I would do anything I could avoid taking a lodger. I am a sociable person but do not want a stranger in my personal space at this stage of life. I’m surprised at how many people suggest lodgers to a single parent with kids. It feels like a very risky situation potentially.

I would never take a lodger now I have young children for reasons of safety, but we did for some time before our first was born and would probably do so in the future once they move on so we can use the money to support their education.

We wanted to use the money to minimise our outstanding mortgage before I went on mat leave and it worked really well for us at that stage of life.

OP posts:
Digdongdoo · 11/03/2025 12:49

It's ragebait, and an advert for her business. Attention seeking nonsense.

NotSayingImBatman · 11/03/2025 12:48

Pipsquiggle · 11/03/2025 12:24

Having read the article, anyone else jealous that she has a cleaner, someone to mow the lawn and another to iron her clothes for circa £250 per month - bargain!

I mean you don't know how the story was sold to this solicitor - she could've been asked to talk about expenses now that she is single. I think it is common knowledge that it's more expensive when you live on your own. The Fail could've completely twisted it to make out she's a spendthrift - they've got form for this.

If you google her, she's sold handfuls of these sorts of stories to the fail and torygraph. This isn't her first rodeo.

Oblomov25 · 11/03/2025 12:47

She's a solicitor but thick as shit, with no common sense, nor financial sense.

LovingLimePeer · 11/03/2025 12:44

Pipsquiggle · 11/03/2025 12:24

Having read the article, anyone else jealous that she has a cleaner, someone to mow the lawn and another to iron her clothes for circa £250 per month - bargain!

I mean you don't know how the story was sold to this solicitor - she could've been asked to talk about expenses now that she is single. I think it is common knowledge that it's more expensive when you live on your own. The Fail could've completely twisted it to make out she's a spendthrift - they've got form for this.

I'm really sorry for her if she's been manipulated and I can very much imagine that happening now you mention it.

I do understand her comments that it is much more expensive to run a household as a single person. I just think it's tone deaf to say that you need loads of extra money to even be comfortable when the problem is you're frittering your salary away.

OP posts:
Swipe left for the next trending thread