To think we CAN live on the mortgage

Why should she acknowledge any of this? Or say she is fortunate etc.

It is a thread about what she needs to consider in budgeting when taking the leap from a small mortgage and flat to a large mortgage for a house. and associated bills, upkeep and risk.
She has acknowledged and thanked posters who have made points that should be considered.

What is the point of all the apologetic preamble and acknowledgment of fortune?

If there are lots of these threads, does that make them right?

It's not relevant if she's asked 'at school' (assume you mean the parents not her colleagues.)
You're missing the point. The point is she appears to have lost or never had a perspective on how much most people earn.

It's that someone with her level of education, and supposed understanding of behaviour/psychology, should have foreseen how her thread would go.

She could have worded her post very differently.

Like acknowledging they as a couple in the top 1-2% of earners.
Like saying she was fortunate to be so (rather than replying 'work hard and get a better job.)

She could even have acknowledged that she knows bugger all about budgeting.

But no. None of that.

MY THREAD 😎

MY THREAD 😎

So...just off the phone with the mortgage broker.

4.1% - monthly repayments 3,355 (over 35 years/ I'm 40 years old) of course we will over pay in the initial years to get this paid off much sooner. Overpayments can be as much as 10k a month so we are good on that front.

My OH had the wrong council tax band (previous property we had offered on).

CT band G - approx 3.9k a year.

THANK YOU to those who questioned me on the council tax bracket (I'm postpartum after a pretty difficult birth so my brain is definitely not on high gear).

@NewMoonToday they aren't in the top 1-2% of earners. To be in the top 1% of earners you need to earn £200k this year, as an individual.

On £70k and £80k, they are in about the top ~12 nationally based on individual incomes, and in London there will be an even higher number.

Asking for advice from other people in the same situation from her is completely reasonable, every decision can’t be solved with a spreadsheet.

V curious to accuse it of being fake based on the size of the numbers mentioned - shows the real discrepancy in incomes and cost of living across the country.

Oh FFS, go start a thread on COL and I'll be there with compassion. For now, this is the conversation 🙄

OP are you sure your council tax is only £230 a month ?
Only your home is obviously worth over £300,000 because that's the lump sum you put down on it . Any house worth over £300,000 would be in the council tax band of F or above . Properties in band F are usually over 3k a year all over the UK . So if that were the case you would be paying £300 a month in you paid over 12 months. Something isn't adding up .

Bless you for pointing out the obvious. My DH earns extremely well. Mine is above average for a female. And on that basis, I know what is affordable on both our salaries.

The point it more that someone with the intelligence to be taking home £5k+ a month, can use a spreadsheet.

Me neither.

@NebulousWhistler he's sounds awful.

The point is not whether or not the salary is massive; the point is that anyone can see that you could easily pay the bills on a three bed house, buy food, and any additional costs with £6k a month.

These are not particularly massive salaries to take home 4200 per month you would be on ~70 K to take home around 5200 per month you would be on ~ 80 K. Despite what a lot of people think these are not massive salaries! a massive salary is 100 K+ it seems like a lot because they’re both on very good salaries.

Bless you for pointing out the obvious. My DH earns extremely well. Mine is above average for a female. And on that basis, I know what is affordable on both our salaries.

The point it more that someone with the intelligence to be taking home £5k+ a month, can use a spreadsheet.

Are you actually serious? Of course there are. And more.

But couldn’t you say that about large numbers of threads? I often see questions asked that I know the answer to, but I don’t feel the need to make shitty comments to the OP.
And yes, OP has answered in a sarky manner but has just mirrored the tone being levelled at her. In fact, I think she has remained level headed in the face of a torrent of abuse.
As to being ‘insensitive’ given the families she teaches…well she hasn’t exactly rocked up a school/work and started asking about has she?
Im sure she level of vitriol is to be expected. But I don’t think its something any of us should be accepting or proud of.

@Kitte321 But she didn’t just ask for other high-earners to share their outgoings, she asked anyone for reassurance that she could afford the mortgage, which is blatantly a very silly thing to ask. And I say that as a previous high earner myself (retired early). It’s like saying “I’ve got ten pounds. I need to buy a loaf and I’m worried that I won’t have enough for a pint of milk as well”.