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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To ask what you think of this joint income?

254 replies

Fineapple1 · 21/08/2025 11:18

Joint income of 7596 including child benefit

verdict…
more than enough
enough
could be better

i know it’s dependent on outgoings but but as a general income.

OP posts:
Cyantist · 21/08/2025 13:51

RonnIeAl77 · 21/08/2025 13:45

I had no idea. I need to look in to that! It’s me who earns 65k. So are you saying I need to tell my employer that I want to add 5k to my pension then just claim CB?

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Do you already pay into a pension? I imagine most people of 65k contribute something to a pension. You might find that after those contributions you are under 60k already which means you'd have to do nothing. Just apply for the CB.
If you're on say 61k after those pension contributions, you'd still get 95% of the full child benefit.

Tiberius12 · 21/08/2025 13:50

Fineapple1 · 21/08/2025 11:18

Joint income of 7596 including child benefit

verdict…
more than enough
enough
could be better

i know it’s dependent on outgoings but but as a general income.

Have you actually done a tax return to check if you qualify for child benefit? It's only just changed this tax year that you would qualify if you earned over £60k. If you've both been on these salaries for the last couple of years you may owe quite a lot back.

Flonta · 21/08/2025 13:46

RonnIeAl77 · 21/08/2025 13:30

No, I stopped getting it when my own salary exceeded 50k. So no idea how OP gets it. Our incomes now are 65k and 60k.

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You’ve no idea how OP gets it because you need to do a better job at keeping up with it. You were still entitled when you tipped £50k (was a sliding scale of reduction between 50-60k) and you’re entitled now to some - or to all of it with a pension tweak, as PP has outlined.

RonnIeAl77 · 21/08/2025 13:45

Sdpbody · 21/08/2025 13:33

Then you absolutely can get CB. Whoever earns £65k, you can add £5k to your pension and not pay back any CB. You will have an extra £2k a year.

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I had no idea. I need to look in to that! It’s me who earns 65k. So are you saying I need to tell my employer that I want to add 5k to my pension then just claim CB?

skippy67 · 21/08/2025 13:44

Littlemrsconfetti · 21/08/2025 11:40

Ok? It's a very high income! This isn't average.

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And the OP knows that...

limescale · 21/08/2025 13:41

Fineapple1 · 21/08/2025 12:54

Not trolling, I did nc yes because I’d rather it not linked to other posts. Sorry

Why though? Why are you asking? Now that most people have told you what you must already know (unless you are astoundingly dim), what will you do with that information?

OCDmama · 21/08/2025 13:37

We get £7400 per month.
Our mortgage is 2200, childcare is 750, and we don't get child benefit. 2 kids, 3rd on the way. We're very secure financially, looking at making extra payments on mortgage to reduce the term.

I'd be putting more in pension or throwing it at your mortgage, if you've resecured savings after refurb.

usedtobeaylis · 21/08/2025 13:35

More than enough. How good your income is doesn't depend on how good it shit you are with your money. That is objectively more than enough.

looselegs · 21/08/2025 13:34

I'm thinking I'd like that income very much....

Sdpbody · 21/08/2025 13:33

RonnIeAl77 · 21/08/2025 13:30

No, I stopped getting it when my own salary exceeded 50k. So no idea how OP gets it. Our incomes now are 65k and 60k.

Show quote history

Then you absolutely can get CB. Whoever earns £65k, you can add £5k to your pension and not pay back any CB. You will have an extra £2k a year.

MovingBird123 · 21/08/2025 13:31

That sounds absolutely lovely! Enjoy!

RonnIeAl77 · 21/08/2025 13:30

hangerup · 21/08/2025 12:25

@RonnIeAl77 do you get child benefit?

No, I stopped getting it when my own salary exceeded 50k. So no idea how OP gets it. Our incomes now are 65k and 60k.

BlackeyedSusan · 21/08/2025 13:29

Fucking loads. Absolutely fucking loads.

DiaryofaProvincialLady · 21/08/2025 13:25

I spend that a week on coffees, sorry OP, could you take in some ironing for pin money? Sell Avon? 😐

WileyCyrus · 21/08/2025 13:25

MegaMinion34 · 21/08/2025 11:29

It's close to 100k a year so yes, pretty good. On MN though it's probably just above poverty line 😉

Glad you said this…I was reading all of the “it’s not bad” comments and thinking….whaaaaat?!

randomchap · 21/08/2025 13:22

Little boastful perhaps

Hoppinggreen · 21/08/2025 13:17

Depends
For some its a fortune but for others its not enough

Wordsmithery · 21/08/2025 13:15

Crazy post. Average UK salary around £31k. Of course you're doing well, as if you needed to ask.

HesarealJacquelineHigh · 21/08/2025 13:13

Blondiebeachbabe · 21/08/2025 12:20

Seems good to me. I think your mortgage is huge though. We bring in about £6500 per month, but our mortgage is only £235.

Surely you must know that your mortgage is extremely low compared to most?

ByQuaintAzureWasp · 21/08/2025 13:11

More than enough

dagoo · 21/08/2025 13:11

I don't know what you want from this post OP. It is a lot of money by most people's standards.

Startrekkeruniverse · 21/08/2025 13:09

Fineapple1 · 21/08/2025 11:18

Joint income of 7596 including child benefit

verdict…
more than enough
enough
could be better

i know it’s dependent on outgoings but but as a general income.

Of course 7596 after tax and pension in the UK is a good income. The majority of households aren’t taking this home.

Mumsnet baffles me it really does.

Cyantist · 21/08/2025 13:08

hangerup · 21/08/2025 13:02

@Cyantist I thought it was before pension deductions & the threshold only moved this year...

No - it's definitely 60k after pension deductions.
We both got rises around the time the changes took place. It changed in April 2024 and we both started new jobs around that time (and they paid a bit less at that time we started them). Prior to that DH earned around 55k. So he still had to do a tax return every year but still didn't have to repay anything as his income was below the 50k threshold after pension contributions

Catsandcannedbeans · 21/08/2025 13:08

We make around that, 2 kids (soon 3), I don’t really work and we live well. We’ve never been flashy, apart from my pink car, that’s genuinely our biggest spend - but I deserve her after all the childbirth 🤣. I think we’re doing great! But our baseline for our childhood is poverty. In our area, lots if people earn way more, but when I showed my kids the house we grew up in they were genuinely horrified when I told them we shared rooms and six kids lived in a 3 bed.

Wordsmithery · 21/08/2025 13:05

lotsofpatience · 21/08/2025 11:26

Just over breadline

You've evidently never been near the breadline

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