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To be so sick of being broke?

633 replies

PrincessC0nsuelaBananaHammock · 09/08/2025 20:12

This is pretty much just a moan really. I'm already doing everything I can to try and improve our situation financially. Although nothing's working atm. 😑

Both DH and I work full-time, on minimum wage. Me 45 hours per week, him between 40-50 depending on the week. And we still can't make ends meet. I'm talking having about £50 left in the bank 2 days after payday because all the bills have come out.

Not entitled to any benefits as earn too much for UC (on MW? 😐). Kids are grown up (22 and 18) but still living at home. DD1 is in college and on UC and waiting to see if she's entitled to PIP for her autism. DD2 is starting uni next month and works part-time herself.

I'm just so fucking sick of the cost of everything. To the point I'm questioning whether I can afford to buy a £6 pack of Benadryl for my fucking hayfever! 😡

Applying for multiple better-paying jobs every week and getting bloody nowhere! Urgh.

OP posts:
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PrincessC0nsuelaBananaHammock · 11/08/2025 18:52

xSideshowAuntSallyXx · 11/08/2025 18:48

Because she's not moaning about the cost of things, she's moaning about being broke. There is a difference to moaning that your mortgage went up and saying you're always broke.

She has more disposable income than me and I'm not complaining I'm broke because there are people worse off than me and I'm not tone deaf, and have the self awareness to know that saying I'm broke then saying I spend on x y or z is likely to get people's backs up.

That also doesn't give her the right to be quite so rude to people.

If people are rude to me, they have to expect some rudeness back.

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xSideshowAuntSallyXx · 11/08/2025 18:48

Pregnancyquestion · 11/08/2025 18:36

People are so angry that you’ve dared moan about being skint because you can’t feel skint if you can afford bills and food and some minor ‘luxuries’! Can’t believe it’s still going. And how dare you defend yourself against some of the rude comments you’re getting!

I earn a good wage, my disposable income is pretty good. Sometimes I will moan about the cost of everything - I’m in shared ownership and my mortgage went up dramatically last year and then my rent went up in April, shock horror I moaned about how expensive everything is now. Honestly peoples heads would explode if they knew the amount of money I waste and had the audacity to moan!!

Because she's not moaning about the cost of things, she's moaning about being broke. There is a difference to moaning that your mortgage went up and saying you're always broke.

She has more disposable income than me and I'm not complaining I'm broke because there are people worse off than me and I'm not tone deaf, and have the self awareness to know that saying I'm broke then saying I spend on x y or z is likely to get people's backs up.

That also doesn't give her the right to be quite so rude to people.

PrincessC0nsuelaBananaHammock · 11/08/2025 18:38

ThisChirpyFox · 11/08/2025 18:29

Didn't jump on the bandwagon - I thought it from the off but wasn't gonna post but then saw you being rude and thought why not.

Anyway going to go for a walk and sign off for a bit. Enjoy your Disney or netflix or prime or luxuries and keep feeling sorry for yourself.

Toodles 😊

Edited

Didn't jump on the bandwagon - I thought it from the off but wasn't gonna post but then saw you being rude and thought why not.

So you did jump on the bandwagon then. 😂

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ToKittyornottoKitty · 11/08/2025 18:37

ThisChirpyFox · 11/08/2025 18:29

Didn't jump on the bandwagon - I thought it from the off but wasn't gonna post but then saw you being rude and thought why not.

Anyway going to go for a walk and sign off for a bit. Enjoy your Disney or netflix or prime or luxuries and keep feeling sorry for yourself.

Toodles 😊

Edited

That is literally jumping on the bandwagon!

Pregnancyquestion · 11/08/2025 18:36

People are so angry that you’ve dared moan about being skint because you can’t feel skint if you can afford bills and food and some minor ‘luxuries’! Can’t believe it’s still going. And how dare you defend yourself against some of the rude comments you’re getting!

I earn a good wage, my disposable income is pretty good. Sometimes I will moan about the cost of everything - I’m in shared ownership and my mortgage went up dramatically last year and then my rent went up in April, shock horror I moaned about how expensive everything is now. Honestly peoples heads would explode if they knew the amount of money I waste and had the audacity to moan!!

ThisChirpyFox · 11/08/2025 18:29

PrincessC0nsuelaBananaHammock · 11/08/2025 18:24

I'd recommend changing your name. And maybe getting some glasses? I have no problem with people challenging me or saying I could do better. It's people with no imagination (like yourself) who just jump on the bandwagon and repeat what other people have already said, and then complain when I'm rude.

Didn't jump on the bandwagon - I thought it from the off but wasn't gonna post but then saw you being rude and thought why not.

Anyway going to go for a walk and sign off for a bit. Enjoy your Disney or netflix or prime or luxuries and keep feeling sorry for yourself.

Toodles 😊

justasking111 · 11/08/2025 18:28

PrincessC0nsuelaBananaHammock · 11/08/2025 17:50

Wow Justasking that is bloody gorgeous! What a talented young man!

People just need to realise that joinery is an art that requires imagination and skill. Rather like an architect

PrincessC0nsuelaBananaHammock · 11/08/2025 18:24

ThisChirpyFox · 11/08/2025 18:21

I do actually. I wasn't going to post but felt why not if you are happy to post and then tell others to f off then I can reply too.

And no issues with eyesight - thank you! ;) No I did read about using clubcard points to pay for Disney - but those points could have been spent elsewhere or on food. So another luxury.

And I don't look silly tbh you were being rude to anyone who wasn't sympathising with you which is all you intended with your post - to get sympathy.

Thanks - love being a Mumsnet twat 🤣might change my username

I'd recommend changing your name. And maybe getting some glasses? I have no problem with people challenging me or saying I could do better. It's people with no imagination (like yourself) who just jump on the bandwagon and repeat what other people have already said, and then complain when I'm rude.

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PrincessC0nsuelaBananaHammock · 11/08/2025 18:22

xSideshowAuntSallyXx · 11/08/2025 18:20

There are people out there who really are broke, you're not broke if you can spend £850 on food, then all the other bits on top of it. So all the posters giving sympathy are just as tone deaf because there are people out there really struggling to put food on the table.

To moan about being broke when you clearly aren't just shows a lack of awareness.

Thanks, I've now seen the error of my ways. I realise that bringing in £1750 per month makes me as rich as Jeff Bezos.

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ThisChirpyFox · 11/08/2025 18:21

PrincessC0nsuelaBananaHammock · 11/08/2025 17:36

Do you feel better? If you'd bothered reading properly (do you need glasses maybe? I can recommend Specsavers) you'd see I don't pay for Disney, and never have. Thank you clubcard points! Again if you could read properly you'd see I've already said both kids are on £10 PAYG plans. Oops you do look a bit silly now, don't you? As for being rude, again if you bothered reading, you'd see I'm only "rude" to people who are being twats. A bit like yourself. 😊

Edited

I do actually. I wasn't going to post but felt why not if you are happy to post and then tell others to f off then I can reply too.

And no issues with eyesight - thank you! ;) No I did read about using clubcard points to pay for Disney - but those points could have been spent elsewhere or on food. So another luxury.

And I don't look silly tbh you were being rude to anyone who wasn't sympathising with you which is all you intended with your post - to get sympathy.

Thanks - love being a Mumsnet twat 🤣might change my username

PrincessC0nsuelaBananaHammock · 11/08/2025 18:21

Blushingm · 11/08/2025 18:13

You’re rude to quite a few people

and if you use club card points for Disney that’s clubcard points you’re not using for money off your incredibly high grocery bill that apparently as all GF bread 🤷🏻‍♀️

Only as rude as you dear. I'm talking to you the way you're talking to me. If you don't like it, perhaps think before dishing it out?

I can't believe someone is actually berating me for getting Disney for free. 😂I think maybe you need a hobby.

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xSideshowAuntSallyXx · 11/08/2025 18:20

There are people out there who really are broke, you're not broke if you can spend £850 on food, then all the other bits on top of it. So all the posters giving sympathy are just as tone deaf because there are people out there really struggling to put food on the table.

To moan about being broke when you clearly aren't just shows a lack of awareness.

Blushingm · 11/08/2025 18:15

HardyHiker · 11/08/2025 12:39

Generic acrivastine costs just as much as benadryl allergy relief. Generics are usually, but not always, cheaper. I would usually agree with you, but it just isn't the case with acrivastine.

Edited

£4.98 for ALMUS for 12 of £6.20 for Benadryl brand

Blushingm · 11/08/2025 18:13

PrincessC0nsuelaBananaHammock · 11/08/2025 17:36

Do you feel better? If you'd bothered reading properly (do you need glasses maybe? I can recommend Specsavers) you'd see I don't pay for Disney, and never have. Thank you clubcard points! Again if you could read properly you'd see I've already said both kids are on £10 PAYG plans. Oops you do look a bit silly now, don't you? As for being rude, again if you bothered reading, you'd see I'm only "rude" to people who are being twats. A bit like yourself. 😊

Edited

You’re rude to quite a few people

and if you use club card points for Disney that’s clubcard points you’re not using for money off your incredibly high grocery bill that apparently as all GF bread 🤷🏻‍♀️

PrincessC0nsuelaBananaHammock · 11/08/2025 17:50

justasking111 · 11/08/2025 17:15

Found it

Wow Justasking that is bloody gorgeous! What a talented young man!

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PrincessC0nsuelaBananaHammock · 11/08/2025 17:47

Smleps · 11/08/2025 08:31

Exactly this! It’s just lazy.

How easy it must be for you in your Ivory Tower, judging people. Does it make you feel better about yourself?

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PrincessC0nsuelaBananaHammock · 11/08/2025 17:40

MsAmerica · 11/08/2025 04:01

Yes, certainly things are expensive but - trying to say this as gently as possible - since you're fully adult, why haven't you been able to earn more than minimum wage by now?

Because I've been a carer for the last 20 years.

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PrincessC0nsuelaBananaHammock · 11/08/2025 17:36

ThisChirpyFox · 11/08/2025 01:28

It is but she just wants to feel sorry for herself, have a rant and be rude to others on here who offer help. No wonder she's in the situation she's in - in debt yet has weight loss injections, won't think about children paying towards own food or phones (even a token amount), has a gym membership, has Amazon prime, Disney, netflix and a VPN and pays a stupid amount on food - but poor her let her rant about being skint.

Yeah she's allowed to have a moan but at the same time people are allowed to comment on her being ridiculous to not think actually she has a decent household income to be getting on more comfortably.

Id be embarrassed to post this and then to say I'm wasting money on these areas.

Flipping hell at least have one subscription at a time. Have Netflix, take a break and then pay for Disney or prime. You not asking your kids to chip in, even if just £10 for their PAYG Phones could set them up to be like you, not financially aware and being in debt and still not prioritising spending. Hopefully they don't get into that situation and also become angry/rude.

Edited

Do you feel better? If you'd bothered reading properly (do you need glasses maybe? I can recommend Specsavers) you'd see I don't pay for Disney, and never have. Thank you clubcard points! Again if you could read properly you'd see I've already said both kids are on £10 PAYG plans. Oops you do look a bit silly now, don't you? As for being rude, again if you bothered reading, you'd see I'm only "rude" to people who are being twats. A bit like yourself. 😊

OP posts:
justasking111 · 11/08/2025 17:15

Found it

To be so sick of being broke?
To be so sick of being broke?
To be so sick of being broke?
justasking111 · 11/08/2025 17:11

@PrincessC0nsuelaBananaHammock your daughter has played a blinder choosing joinery. Friends son did. Had the building site stuff but honed his skills at weekends doing private homes. He's built the most amazing unit in the hall for a friend for coats, shoes, boots, hats, gloves etc. Made to measure. I'll try and find a picture.

Dutchhouse14 · 11/08/2025 12:59

Sounds absolutely demoralising OP, you and DH are working so hard to just keeping your head above water. It's sh*t.
Sounds like your DDs are doing well, good luck with DDs pip application, the benefit and work website is really helpful for this.

HardyHiker · 11/08/2025 12:39

LillyPJ · 11/08/2025 06:46

As others have said, it's just a brand name and it's (by law) exactly the same as the generic versions. You're just paying for advertising and fancier packaging. You can buy Imodium for a few quid or you can get exactly the same stuff (I think it's loperamide?) for about 59p. But although you've said it's not the point of the thread, it could be one important part of it. Budgeting includes looking closely at what you're buying and seeing if it's necessary.

Generic acrivastine costs just as much as benadryl allergy relief. Generics are usually, but not always, cheaper. I would usually agree with you, but it just isn't the case with acrivastine.

4forksache · 11/08/2025 10:45

You are right to prioritise health and if the tv packages are your main entertainment costs, then that’s a relatively cheap social life. You know things will be a lot easier once your debt is paid off, so you’ve just got to ride it out till then.

The only place you have wiggle room is the food budget. Yes prices are crazy now but there is room to cut costs here. We shop at Tesco for 4 adults. Probably spend about £600 but we eat well on that. I bulk buy special offers which don’t all happen at the same time so the offers are spread out. It wasn’t much cheaper when I tried Aldi when I take into account the special offers.
Why don’t you have a good look and see if you can save a bit here and there. Bulk cook and freeze. We eat really well for £600 and I could heavily cut back if I needed to, so even taking into account pet food and gluten free stuff, you could shave a few pounds from your £850.

LunaTheCat · 11/08/2025 10:34

OP ignore people who just want to put people down who are already down
You have done well.. you have managed to raise 2 independent young people.
You have sustained a marriage.
Of course you are entitled to Netflix and help with your weight …you are allowed stuff for you !
hopefully it will get easier as your children grow.
Hold onto your vision for yourself.
Many people on a low income are much much better at budgeting than those on higher incomes.
Stay strong.

bluecurtains14 · 11/08/2025 10:25

PrincessC0nsuelaBananaHammock · 10/08/2025 16:34

Yes! He was offered a supervisor promotion last year, an extra £15 per week with all the added responsibility of a manager, plus longer hours. He said no thanks.

So what else is he doing to move his career on? Or he goes part-time and does some caring for your daughter and you upsize your career. Minimum wage for two people isn't meant to be a lifelong thing, ideally it's just for the start of your career.