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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:
nomas · 20/09/2025 12:49

FlyMeSomewhere · 20/09/2025 12:40

Chicken isn't great after being frozen. Every thing fresh produce wise has gone up, everything full stop is extortionate in a supermarket.

Chicken breasts are fine after being frozen, if you let it defrost overnight in the fridge and don’t leave it for too months on end in the freezer.

paranoidnamechanger · 20/09/2025 12:43

nomas · 20/09/2025 12:19

Two kilos of chicken breasts cost £12.85 at Tesco.

That seems like good value you to me?

I would use half and freeze the other half.

If the cost of chicken is reduced further it will mean even worse quality of life for chickens.

I agree. The price is good value, if you eat chicken. I note it’s a little cheaper at Sainsbury’s and it’s fresh not frozen.

FlyMeSomewhere · 20/09/2025 12:40

nomas · 20/09/2025 12:19

Two kilos of chicken breasts cost £12.85 at Tesco.

That seems like good value you to me?

I would use half and freeze the other half.

If the cost of chicken is reduced further it will mean even worse quality of life for chickens.

Chicken isn't great after being frozen. Every thing fresh produce wise has gone up, everything full stop is extortionate in a supermarket.

nomas · 20/09/2025 12:19

FlyMeSomewhere · 20/09/2025 12:15

I get where you are coming from too as £170k sounds huge but you are taxed so ridiculously on it, my partner and I have a joint take home income of about £70k which results in a take home between us of about 5k a month because we aren't taxed as much at our salary rate.

We don't have kids but even our weekly food shopping for two adults and two cats has us cursing and wondering how families cope when even a pack of chicken breasts in Aldi was nearly £8! My cat insurance seems to double every year despite my cats still being fairly young and healthy. Had to spend £300 odd quid on maintenance on my car recently and hated that £65 of it was vat! You do feel ripped off all the time.

Two kilos of chicken breasts cost £12.85 at Tesco.

That seems like good value you to me?

I would use half and freeze the other half.

If the cost of chicken is reduced further it will mean even worse quality of life for chickens.

FlyMeSomewhere · 20/09/2025 12:15

CobbleWobble · 19/09/2025 20:17

THANK YOU

That is exactly how I intended it!

I get where you are coming from too as £170k sounds huge but you are taxed so ridiculously on it, my partner and I have a joint take home income of about £70k which results in a take home between us of about 5k a month because we aren't taxed as much at our salary rate.

We don't have kids but even our weekly food shopping for two adults and two cats has us cursing and wondering how families cope when even a pack of chicken breasts in Aldi was nearly £8! My cat insurance seems to double every year despite my cats still being fairly young and healthy. Had to spend £300 odd quid on maintenance on my car recently and hated that £65 of it was vat! You do feel ripped off all the time.

Snakebite61 · 20/09/2025 12:14

ComfortFoodCafe · 18/09/2025 15:14

Because instead of the goverment getting a grip on things they are just letting it happen.
Net zero is a issue that we cannot afford to be doing right now, brexit is a massive inflation issue, the fact the energy companies are allowed to charge through the roof with no regulation is a massive issue, the water companies dumping sewage into the rivers etc and then claiming back paying for fines through their customers etc etc
Then you the wars etc.
Also don’t forget Trump sticking traiffs on things! Cant forget that.

Edited

Ah, the usual net zero moaners.
Net zero is easily affordable and leaves us less reliant on wholesale prices.
The usual right wing garbage you are spouting is pathetic.

Snakebite61 · 20/09/2025 12:11

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?

It's impossible to fathom how anyone earning that much money is struggling.
Mumsnet rich?!?! You're just winding struggling people up.

M0ntezuma · 20/09/2025 12:05

Lsgandhi · 20/09/2025 11:16

I guess it depends if you own your property or not

Why?

CasperGutman · 20/09/2025 12:03

NotEnoughKnittingTime · 20/09/2025 11:51

Any kids?

Yes, a couple of them, thanks.

Frillysweetpea · 20/09/2025 12:00

Is your salary worth having if your husband earns the majority and you have those childcare and cleaning costs? Obviously, there are good personal and long term financial reasons for you to work but in the short term would a career break actually release money and/or give your family a better work-life balance?

NotEnoughKnittingTime · 20/09/2025 11:51

CasperGutman · 20/09/2025 08:13

We're coping very nicely thanks. Our income is 2/3 of yours. We're just planning three separate weeks of European holidays for next year, and already have three breaks in the UK booked in. We recently bought a car and had a new bathroom fitted. We have Netflix, Amazon Prime, Disney+.

On the other hand we live in a less expensive part of the country (regional city, very pleasant, but outside the South East of England). Our mortgage is a fraction of yours. The car was second hand, bought from savings. We don't get many takeaways (food or coffee) and spend little on clothes and grooming.

In short, we try to make long term, sensible financial decisions, and live within our means, minimising the costs of servicing debts as far as we can. But also, we've been lucky.

Any kids?

Whatafliberty · 20/09/2025 11:48

On your income I can't imagine how you have had to cut down. Do you live in London?

FuckOffChristmas · 20/09/2025 11:21

Lsgandhi · 20/09/2025 11:16

I guess it depends if you own your property or not

I wouldn’t say so. Just depends on area and the size of your mortgage.

Lsgandhi · 20/09/2025 11:16

FuckOffChristmas · 20/09/2025 11:11

It’s genuinely mind blowing to me how people can earn this much and struggle with not enough money.
If my household suddenly had a 160k income coming in, we would have over £100,000 a year spare money to play with.
Would be like winning the lottery.

I guess it depends if you own your property or not

Lsgandhi · 20/09/2025 11:15

This is an eye opener Thanks

FuckOffChristmas · 20/09/2025 11:11

It’s genuinely mind blowing to me how people can earn this much and struggle with not enough money.
If my household suddenly had a 160k income coming in, we would have over £100,000 a year spare money to play with.
Would be like winning the lottery.

Statsquestion1 · 20/09/2025 10:50

WhereIsMyJumper · 20/09/2025 10:46

Im all for people making financial decisions that suit them, etc. but my preference is the same as yours! I’d rather have the security that if something breaks I can afford to replace it that month. The security of savings and not being tied to huge monthly repayments on things. Also, I don’t want to have to live with anyone else 😂

Yeah our only big payment is the mortgage at 1900 but that’s worth it to me.

Justworkingitout · 20/09/2025 10:46

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?

“Miserable”?! You had to cancel ONE of your holidays?! Get a grip poster. I know you acknowledge you are ‘Mumsnet rich’ but you are VERY well off. You are clearly overspending even after taking the kids out of private schools. I don’t know if you’ve ever really struggled but imagine you are living on £30k pa (my situation as a mum bringing up two kids alone and running my own business) and budget accordingly. Then you will be delighted with the disposable income you will inevitably have left to enjoy.

WhereIsMyJumper · 20/09/2025 10:46

Statsquestion1 · 20/09/2025 10:43

yeah we earn very well. 120k as a household. We own both our cars outright. Yes we have a new house, but that was much needed. We save 2.5k per month…and yet still I got a negative comment on that, you can’t win on here.

Im all for people making financial decisions that suit them, etc. but my preference is the same as yours! I’d rather have the security that if something breaks I can afford to replace it that month. The security of savings and not being tied to huge monthly repayments on things. Also, I don’t want to have to live with anyone else 😂

Duechristmas · 20/09/2025 10:44

LoafofSellotape · 18/09/2025 15:12

You're not mumsnet rich your are extremely well off, if you can't live on 170k you're doing something seriously wrong.

Yes, we're on under half your salary and not struggling.

Statsquestion1 · 20/09/2025 10:43

WhereIsMyJumper · 20/09/2025 10:38

Haven’t RTFT

I am not referring to people who are on low salaries.

But people on moderate to high salaries - they earn a certain amount and believe it’s important to get cars on tick, and buy the biggest house they can afford while the interest rates are low and ignore the warnings about being able to afford the payments if interest rates go up. I think many people on these types of income believe they deserve a certain life style so they have something to show for it. And in a way, they do. That’s fine. I love nice houses and nice cars. But I prefer to have more disposable income, personally.
Im a single parent with a school age child. My mortgage is £550 on a 3 bed semi, I own my car (a very modest oldish smaller car that still runs perfectly fine) I earn around £80k and definitely never feel squeezed. So from the outside, nobody knows I earn well. I prefer it that way.

yeah we earn very well. 120k as a household. We own both our cars outright. Yes we have a new house, but that was much needed. We save 2.5k per month…and yet still I got a negative comment on that, you can’t win on here.

WhereIsMyJumper · 20/09/2025 10:38

Haven’t RTFT

I am not referring to people who are on low salaries.

But people on moderate to high salaries - they earn a certain amount and believe it’s important to get cars on tick, and buy the biggest house they can afford while the interest rates are low and ignore the warnings about being able to afford the payments if interest rates go up. I think many people on these types of income believe they deserve a certain life style so they have something to show for it. And in a way, they do. That’s fine. I love nice houses and nice cars. But I prefer to have more disposable income, personally.
Im a single parent with a school age child. My mortgage is £550 on a 3 bed semi, I own my car (a very modest oldish smaller car that still runs perfectly fine) I earn around £80k and definitely never feel squeezed. So from the outside, nobody knows I earn well. I prefer it that way.

childofthe607080s · 20/09/2025 10:25

Housing costs are crippling and if it wasn’t for so
much money going to banks and tied up in homes this country would feel such a different place - but any adjustment will either cause a lot of pain or take decades

Lakelandwrinkly · 20/09/2025 10:01

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Dutchhouse14 · 20/09/2025 09:59

I do relate and have some sympathy with OP.

Our household income is lower approx 140k but we also don't have a net income as high as people think, joint tax free income is £7800.
DH earns about 4-5times more than me, over 100k, his annual tax allowance is reduced to about 7k pa.
Also not entitled to child benefit, free nursery places, childcare tax credits.

If you have 2 salaries of 50-60k, especially if you have young DC, in reality you are much better off than 1 partner earning over 100k and the other earning a lowish salary.

Not saying people in our situation are poor but we might not have the lifestyle or income people expect with a higher household income.

We also need to budget and don't have masses of surplus income. Have 4 DC, who are now older so no childcare but still a financial drain😂

Our grocery bill is horrendous so I think the cost of food is a significant outgoing that is much harder to reduce.

Utilities have also gone up enormously.

I dont much care if say the cost of a new car or sofa or a fridge freezer etc has risen what really matters is the rising cost of daily essentials and mortgage rates.

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