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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To wonder how people are coping?

816 replies

CobbleWobble · 18/09/2025 15:07

We are very lucky, I know this.

We are "Mumsnet rich" both have professional jobs with good salaries (£170k household income) and yet this last 12 months:

  • removed children from private school
  • changed how we do the weekly shop to reduce costs
  • cut subscriptions (like Disney+ etc)
  • reduced what I bought in the back to school shop
  • decided against a holiday in October half term
  • concerned about our usual Christmas food order

What is going on? I just don't understand why or how prices are rising as they are or how people on less than us are coping!

I'm extremely grateful we have the things to cut that we have but we've also had to remortgage this year which has doubled our mortgage payments and then our utilities have increased and the food shop has just got insane.

We have other things we can cut - a holiday in the UK, Netflix, the monthly takeaway but its just miserable to think we may need to do that just not to be living.

Happy to post spending particulars if people are finding it hard to see where I'm coming from.

So AIBU to think that as a country we cannot go on with prices rising like this? How are others coping?

OP posts:
sminted · 18/09/2025 17:32

@Statsquestion1 that's good, I know a fair few people who have to contribute

showmegrace · 18/09/2025 17:31

Your take home pay is around £8400 per month and you can’t afford a £5.99 Disney subscription? The mind boggles.

Statsquestion1 · 18/09/2025 17:30

sminted · 18/09/2025 17:26

@Statsquestion1 do you not pay for private health insurance?

No that is paid by my employer

PlaceIntheClouds · 18/09/2025 17:29

It does not matter how much you earn. If your outgoings each month are close to your income each month then any small prices increases are going to be noticed.

The trick is make sure you have a good buffer between what comes in vs what goes out irrespective of being a high earner.

Statsquestion1 · 18/09/2025 17:29

sminted · 18/09/2025 17:24

@Statsquestion1 child benefit is universal and more generous in Ireland. I assumed you were in the UK.

It is but to be fair we pay more for insurances and things so it balances out I imagine

Fleurdalys · 18/09/2025 17:28

Ffs 🤦‍♀️

sminted · 18/09/2025 17:28

@Lbet yes, it isn't clear.

Lbet · 18/09/2025 17:27

sminted · 18/09/2025 17:23

@Lbet but plenty of people on lower incomes make threads saying they are struggling with the COL etc.

Going to leave it there as you seem to be not quite getting what I mean.

sminted · 18/09/2025 17:26

@Statsquestion1 do you not pay for private health insurance?

SaltyCara · 18/09/2025 17:26

DoAWheelie · 18/09/2025 15:26

I'm on benefits.

I haven't had a holiday in over 10 years.
No car, can't afford taxis, can't use the bus due to disability so I'm just stuck inside a lot.
Tiny damp flat
Massive debt on utilities (almost 5 figures)

The poor are not "coping" we just have to put up without what people consider to be "the basics" of a comfortable place to live and ability to get out and about.

@DoAWheelie Apologies if someone has already mentioned this to you (I can't work out how to highlight anyone's comments except the OP's) but have you contacted CAP? They should be able to help you with the utilities debts in particular, usually you can give them permission to communicate with companies on your behalf so you can just hand everything over to them and they will organise a repayment plan for you and then support you in actioning it. They can also help you make sure there aren't any specific schemes for extra financial help that you'd be eligible for with utilities due to your disability. I would really recommend them, one of my husband's friends has worked for them for years 🙂

butterdish93 · 18/09/2025 17:25

We’re on less than half of that. And we live a very good life!
will have been to abroad 3 times this year with two Uk breaks as well.
I don’t work.
we run one car that we own outright.
we don’t have Netflix (it’s shit)
i just bought the majority of my kids uniform preowned. You can’t tell the difference. I could have spend 200 odd for all the kids but I spent less than 40.
we go out to eat semi regularly and have a takeaway when we fancy them. I don’t feel badly off but we don’t spend money where we don’t need to

sminted · 18/09/2025 17:25

We pay property tax once a year (about 400) we just pull that out of savings

I wish CT was £400 a year! 😆

sminted · 18/09/2025 17:24

@Statsquestion1 child benefit is universal and more generous in Ireland. I assumed you were in the UK.

sminted · 18/09/2025 17:23

@Lbet but plenty of people on lower incomes make threads saying they are struggling with the COL etc.

GimmieABreakOr3 · 18/09/2025 17:23

You are spending well out of your means. Maybe consider downsizing if you cannot afford your mortgage or it requires cutting your expenses to the point where you are miserable

Statsquestion1 · 18/09/2025 17:22

dottiehens · 18/09/2025 17:21

Why about council tax?

No council tax in Ireland. But it’s much the same otherwise. We pay property tax once a year (about 400) we just pull that out of savings

Onekissisallittakes · 18/09/2025 17:22

Onemorepenny · 18/09/2025 17:19

it could be that one of them is a very high earner and the other is relatively low
go and see the take home pay salary calculator and how different it is.

2 people earning 60k each have a higher take home than one person earning 120k....

What on earth are you talking about?

Lbet · 18/09/2025 17:22

sminted · 18/09/2025 17:20

As I said those with lower incomes seem to get it right and manage to still live a nice lifestyle.

@Lbet this doesn't make any sense, you think everyone on a low income has a nice lifestyle?

Nope just the people on here who are sharing their incomes and lifestyle.

sminted · 18/09/2025 17:22

@Onemorepenny our nursery savings just got eaten up by extracurriculars although they weren't as high as yours.

dottiehens · 18/09/2025 17:21

Statsquestion1 · 18/09/2025 17:05

This is our budget. It’s based off of our pay with no overtime (we can sometimes have an extra 4-500.
Me 3100
DP 4100
CB 280
Total 7480
Housing
Mortgage: 1900.
Insurances(life, house): 150
Total Housing: 2050
Utilities
Electricity 150
Waste collection: 30
Broadband & TV: 70
Mobile phones x3: 60
Total Utilities: 310
Food & Groceries
Groceries & household food: 500
Dining out / takeaways: 200
Total Food: 700
Transportation
Fuel: 250
Car insurance & tax: 150
Maintenance & NCT: 100
Public transport / Parking: 20
Total Transport: 520
Education & Kids
School books, uniforms, fees: 50
Activities, sports, clubs: 50
Pocket money/treats: 60
Total Kids & Education: 160
Entertainment & Lifestyle
Family outings, hobbies, gifts: 200
Subscriptions, books, etc.: 60
Miscellaneous expenses (haircuts,nails): 60
Personal spends: 200 x 2 = 400
Total Entertainment: 730
Savings & Miscellaneous
Emergency fund / Savings: 2,000
Holidays (monthly allocation): 500
Clothing: 200
Miscellaneous buffer: 300
Total Savings & Misc.: 3,000
TOTAL MONTHLY SPENDING: 7,480

Why about council tax?

Theolittle · 18/09/2025 17:21

This has to be a bot - but so obvious that it’s not doing its job properly!

sminted · 18/09/2025 17:20

As I said those with lower incomes seem to get it right and manage to still live a nice lifestyle.

@Lbet this doesn't make any sense, you think everyone on a low income has a nice lifestyle?

Thelostjewels · 18/09/2025 17:20

170 k and struggling ,cutting netflix won't help there must be bigger losses somewhere

Onemorepenny · 18/09/2025 17:19

Onekissisallittakes · 18/09/2025 17:15

I agree with everything you said in the post but I can't take you seriously when you bring 170k combined a year. I'm just absolutely baffled.

Me and my DH earn 60k combined (both on 30k) we have a 3 bed semi in a village in Bedford (so not extortionate but definitely not cheap either) have 3 children 2x cars and holiday 2x a year (nothing too exotic) yet we still go out for dinner once a month, takeaway once a month and the kids want for nothing and we have about £400 left over til payday. So how is it we can afford Disney plus and netflix and you can't? Something is seriously wrong with your spending or you have shit load of debt you would rather not say about.

it could be that one of them is a very high earner and the other is relatively low
go and see the take home pay salary calculator and how different it is.

2 people earning 60k each have a higher take home than one person earning 120k....

Lbet · 18/09/2025 17:19

Has the poster been back to this thread?

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