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Do you think Brits are really as broke as the media makes out

347 replies

SlothfullyYours · 25/11/2025 00:32

I took some flexi leave this afternoon to run some errands and do some "life admin."

Started off in town. The shoppers' car park was packed, the shops were packed, coffee shops packed. People spending money.

Came home and tried to book car in for a service - garages booked up weeks in advance. Tried to get some trades round to quote for work on the house - all too busy (have been trying for months!).

Friend popped round. Recently started as a self employed cleaner. She says all her slots for house cleaning have been snapped up - and she's charging £20 per hour and we're in the Midlands!

My hairdresser & dentist (private) - have to book weeks/months in advance.

Are we really as skint as the media makes out?

OP posts:
Thread gallery
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Nanalovesnature · 25/11/2025 10:30

BIossomtoes · 25/11/2025 10:12

If you think someone on basic universal credit of less than £400 a month is going out for “lovely coffees”, you’re completely untethered from reality.

I volunteer at a mental health charity locally and see first hand people claiming disability benefits for minor issues or completely fabricated issues. In fact they advise each other on how to answer the ADP questions in order to qualify. There are a hell of a lot of them where I live. The town is full of them and yes they go from one coffee shop to another, breakfast, brunch, lunch, takeaways for dinner, holidays abroad a couple of times a year. These are the people I am talking about, not people on basic universal credit of less than £400 per month. If you think the people I am talking about don't exist it is you who is completely untethered from reality.

Freda69 · 25/11/2025 10:28

I live in a fairly affluent market town in the south east and things must be bad here, because the BMW garage is closing down. 🙃

Badbadbunny · 25/11/2025 10:25

BudgetBuster · 25/11/2025 10:20

I haven't read every post on the thread because it's quite large but I think the word broke or skint really depends who you are talking to.

Myself & my husband both work full time have 2 kids, one more on the way. We own our house with a mortgage, which has increased in recent years, we bought our cars using loans which we have now paid off. We waited 10 years to have kids because we wanted to ensure we could afford them! We don't buy branded clothes, I get my hair done maximum twice a year (birthday and Xmas), we shop in Aldi not M&S, we don't have any annual holiday. I've become a fan of Vinted for used clothing, clothing and shoes are only bought as required. I cannot remember the last time we had a meal or a night out. On paper, we are rich but the last few days of every month are a struggle.

My SIL and her husband on the other hand, also have 2 kids, had kids within a few months of getting together. Live in social housing (nice new build), paying very little rent and they have solar panels for reduced electric bills etc. No car but free bus travel, neither have EVER had a job, they go to food banks twice a week before they go and do the grocery shop. They go out twice a week for dinner or to the pub, they wear expensive clothes, they go on holidays every single year. On paper, they should be skint but they seem to have more "disposable" income than me!

A very common scenario, and exactly why workers, especially younger workers are thoroughly fed up with never having any money, and many of the professional ones are moving abroad.

Shelly421 · 25/11/2025 10:23

BudgetBuster · 25/11/2025 10:20

I haven't read every post on the thread because it's quite large but I think the word broke or skint really depends who you are talking to.

Myself & my husband both work full time have 2 kids, one more on the way. We own our house with a mortgage, which has increased in recent years, we bought our cars using loans which we have now paid off. We waited 10 years to have kids because we wanted to ensure we could afford them! We don't buy branded clothes, I get my hair done maximum twice a year (birthday and Xmas), we shop in Aldi not M&S, we don't have any annual holiday. I've become a fan of Vinted for used clothing, clothing and shoes are only bought as required. I cannot remember the last time we had a meal or a night out. On paper, we are rich but the last few days of every month are a struggle.

My SIL and her husband on the other hand, also have 2 kids, had kids within a few months of getting together. Live in social housing (nice new build), paying very little rent and they have solar panels for reduced electric bills etc. No car but free bus travel, neither have EVER had a job, they go to food banks twice a week before they go and do the grocery shop. They go out twice a week for dinner or to the pub, they wear expensive clothes, they go on holidays every single year. On paper, they should be skint but they seem to have more "disposable" income than me!

@BudgetBuster this really disgusts me

DonicaLewinsky · 25/11/2025 10:20

Dancingsquirrels · 25/11/2025 09:59

People trading down from restaurant to quality ready meal?

Yeah, this definitely happens. People in COL discussions don't always realise that some of the spending they see is people belt tightening. So restaurant to ready meal, some of the people getting coffee would previously have had a meal when they were out, that kind of thing.

BudgetBuster · 25/11/2025 10:20

I haven't read every post on the thread because it's quite large but I think the word broke or skint really depends who you are talking to.

Myself & my husband both work full time have 2 kids, one more on the way. We own our house with a mortgage, which has increased in recent years, we bought our cars using loans which we have now paid off. We waited 10 years to have kids because we wanted to ensure we could afford them! We don't buy branded clothes, I get my hair done maximum twice a year (birthday and Xmas), we shop in Aldi not M&S, we don't have any annual holiday. I've become a fan of Vinted for used clothing, clothing and shoes are only bought as required. I cannot remember the last time we had a meal or a night out. On paper, we are rich but the last few days of every month are a struggle.

My SIL and her husband on the other hand, also have 2 kids, had kids within a few months of getting together. Live in social housing (nice new build), paying very little rent and they have solar panels for reduced electric bills etc. No car but free bus travel, neither have EVER had a job, they go to food banks twice a week before they go and do the grocery shop. They go out twice a week for dinner or to the pub, they wear expensive clothes, they go on holidays every single year. On paper, they should be skint but they seem to have more "disposable" income than me!

BIossomtoes · 25/11/2025 10:16

Pinkyporky · 25/11/2025 10:14

I don’t think the ‘you’re not broke if you can afford x’ comments are helpful.

I’m far from broke, but if I’m having to be more careful, then very probably, those with less are struggling and those who were struggling are really struggling.

I think, the rhetoric that poor people are poor because of bad decision making is, at best, narrow minded.

Unemployment is up, inflation is rising and people we know are leaving the country. We are seriously considering it. So yes, it’s pretty dire.

Inflation is actually going down.

Pinkyporky · 25/11/2025 10:14

I don’t think the ‘you’re not broke if you can afford x’ comments are helpful.

I’m far from broke, but if I’m having to be more careful, then very probably, those with less are struggling and those who were struggling are really struggling.

I think, the rhetoric that poor people are poor because of bad decision making is, at best, narrow minded.

Unemployment is up, inflation is rising and people we know are leaving the country. We are seriously considering it. So yes, it’s pretty dire.

Bjorkdidit · 25/11/2025 10:14

Bumblebee72 · 25/11/2025 10:10

It's not just the coffee. It's the mindset. The compound interest means that actually it is 12 years. So someone would have had enough money to put down a deposit at 32 if they hadn't started their coffee habit at 20.

Different people have different mind sets on what is affordable

It's also rare that people need to put down a £55k deposit and in any case, a good proportion of their deposit will be made up of interest and LISA bonuses. They won’t have put all that money in themselves.

It’s also rare that it’s only coffee that aspiring FTBs are spending money on that could be cut if they were saving for a deposit. You’ve also got high end smartphones, lease cars, grooming, fast fashion, bought lunches, travel etc etc that many are spending hundreds of pounds a month on that could be significantly cut down if they were serious about saving for a deposit.

NMW is £1700 pm and many graduates earn more than that. If a couple lived at home and were serious about saving for a deposit, they could probably put away £1500 pm while still having money available for ‘a life’ and to pay their parents board money. Or to pay rent and bills on a small flat. They could probably save up in 2-3 years at most. I’m not saying it’s easy, but in many cases it’s far from impossible, but made a lot harder if you expect to save for a deposit, keep up with a spendy lifestyle and buy more than what used to be a FTB property all at the same time.

Badbadbunny · 25/11/2025 10:13

@SlothfullyYours

Lots of garages offer payment plans too. And how do you know what people are taking their cars to the garage for? You don’t.
I do because they told me they had no slots available for services because they were all full.

More likely due to not having the same staff numbers they used to have. Just like shops with queues etc. Businesses can't afford to have staff doing nothing for even part of the day, so they cut down staff to the bare minimum meaning they're rushed off their feet. That's why you have to wait for a car service, the garage is probably running on 3 mechanics instead of the previous 5 or 6.

BIossomtoes · 25/11/2025 10:12

Nanalovesnature · 25/11/2025 10:08

Most of the people affording daily coffees are people on benefits, and with the increase in money they will be getting there will be even more lovely coffees for them whilst those of us working and not eligible for any benefits will be losing even more money to pay for them - no lovely coffees for us!

If you think someone on basic universal credit of less than £400 a month is going out for “lovely coffees”, you’re completely untethered from reality.

Mygardenandme · 25/11/2025 10:11

Penfoldfive · 25/11/2025 10:03

The average deposit for a first time buyer is now £55,000. Thats the equivalent of 25 years' worth of daily £6 coffees.

Or... my mortgage payment increased by £120 a month, which is 3 coffee and cake a week (3 visits is a lot but I know people who get a coffee most days).

I dont know anyone who had a £55,000 deposit.

Bumblebee72 · 25/11/2025 10:10

Penfoldfive · 25/11/2025 10:03

The average deposit for a first time buyer is now £55,000. Thats the equivalent of 25 years' worth of daily £6 coffees.

It's not just the coffee. It's the mindset. The compound interest means that actually it is 12 years. So someone would have had enough money to put down a deposit at 32 if they hadn't started their coffee habit at 20.

Different people have different mind sets on what is affordable

Nanalovesnature · 25/11/2025 10:08

Most of the people affording daily coffees are people on benefits, and with the increase in money they will be getting there will be even more lovely coffees for them whilst those of us working and not eligible for any benefits will be losing even more money to pay for them - no lovely coffees for us!

AngelicKaty · 25/11/2025 10:07

SlothfullyYours · 25/11/2025 07:33

Well, you're choosing a strange hill to die on, but you do you

Are you on glue 😅 Oh I do miss Mumsnet of Yore when folk werent so earnest.

Then do some research OP instead of asking for opinions (which obviously can only ever be anecdotal 'evidence') on MN. 18% of the UK population living in absolute poverty is an horrific statistic: https://www.bbc.co.uk/news/uk-68625344
As is the fact that just 50 families in the UK own 80% of the country's wealth - that's astonishing and, frankly, an obscene disparity between the haves and have nots.

A woman pushing a child in a buggy

Absolute poverty: UK sees biggest rise for 30 years

The energy price crisis caused the sharpest increase in absolute poverty in 30 years, official figures show.

https://www.bbc.co.uk/news/uk-68625344

Tartantotty · 25/11/2025 10:06

I feel the same sometimes, often when at an airport or in a restaurant. You see people spending loads of money on rounds of drinks, expensive meals, take-aways etc.

Having lived in Europe for many years, I have learnt that us Brits often don't know how the budget and spend wisely. We tend to buy much more 'tatt' that other European, like cheap clothes and fast food.

And don't get me started on nail bars - people spending £40 on a set of nails. How can they afford it? And then there are all those women getting lip enhancements. Not cheap.

WithDiamonds · 25/11/2025 10:04

@Penfoldfive We met up with friends in a small cathedral city last week, it’s 45 mins away. It had only 2 vacant shops, our little High street has more than that. It even had a bookshop, which is a rare spot these days. We had a gorgeous meal and DH enjoyed the lunch so much he tipped 20%. We are all meeting up again there in February. Shopping is nowhere near as good in my little town. The big city near us has wannabe road men and lots of beggars when I went in last month with DS the Police were searching for people after an incident. It was quite frankly a cess pit.

Penfoldfive · 25/11/2025 10:03

Bumblebee72 · 25/11/2025 09:57

Different mindsets. I can afford a house, but I can't afford coffee. You take your choice....

The average deposit for a first time buyer is now £55,000. Thats the equivalent of 25 years' worth of daily £6 coffees.

Mygardenandme · 25/11/2025 10:01

RavenPie · 25/11/2025 09:35

I haven’t been “shopping” as in non food since last Christmas but I’ve been twice in the last week because it’s Christmas in 4 weeks. My car should have been serviced in April but I’ve also had that done last week as I delayed it due to skintness (so it’s been in twice this year instead of once) and I’m not happy trying to push it over the winter. My ex - neighbour had the garage it goes to but he shut down during covid and he started as a mobile mechanic but now he’s moved to Poland as he thinks it will be better for his kids futures (they are secondary school age). The garage is run by someone else now but it’s just 2 men when it used to be about 6. More business are closing than opening (statistically) and I don’t think it’s because everyone is so rich they decide to close down. My dentist is about £28/year but dh is private as he can’t get in a nhs list. He pays monthly and goes 2x a year. His teeth are a state from years of no dentist so it is something he prioritises. Neither of us can see very well as we are in the age of varifocals and have budgeted 1 pair each every 2 years when we are both changing prescription more rapidly than that. I used to think nothing of getting 2 pairs of single vision glasses a year. Queues are longer as there are fewer staff to deal with customers despite automation. The basic fact is inflation, particularly food inflation, has outstripped wages and rents and mortgages have also disproportionately increased so lots and lots of people are poorer than they were a few years ago. But dual income older people or young earners with no kids who live with parents can afford a coffee, a dentist and to service their car. People with high housing costs and childcare costs are often skint unless very high earners. People do treat themselves in small ways (a coffee) who would previously have treated themselves in bigger ways (a lunch, a purchase, a holiday) it’s like Orwell’s chip shop theory.

I get my varifocals online. As long as you have the pupil distance or whatever it is, the varifocals are fine.

The glasses feel cheap but I dont think they look awful.

But, my prescription changes at least yearly if not more and I got a pair of varifocals, a pair of reading/computer glasses and a pair of prescription sunglasses (I have sun sensitive eyes) for less than one pair of varifocals from the high street.

Dancingsquirrels · 25/11/2025 09:59

berlinbaby2025 · 25/11/2025 07:49

So why does that range continue to be sold? Because some people are still buying them.

People trading down from restaurant to quality ready meal?

Bumblebee72 · 25/11/2025 09:57

Penfoldfive · 25/11/2025 09:51

People can afford coffees but not houses!

Different mindsets. I can afford a house, but I can't afford coffee. You take your choice....

PoppyFleur · 25/11/2025 09:57

WhenIwasayoungster · 25/11/2025 01:45

This is a really interesting question, OP.

I've been thinking that the media annd so many people have latched onto the catchphrases 'cost of living crisis' and people having to decide between 'heating and eatiing'.

I hate it when these catchphrases are bandied about. It is just lazy reporting and journalism. I feel they are used to shut down reasonable discussions about decisions, choices and accountability of people.

There will always be persistently poor people and those who have brief periods of being poor, but whose circumstances can change. It is nothing new for people to be in crisis. No matter how we try and however much money is thrown at it, it will never go away.

We live in a capitalist society. For that to work, we have people at the bottom, in the middle and at the top. Don't want that, then let's give super socialism a try. Guess what that doesn't work either. You either have, China, Russia or Venuzeula as examples. But then you still have people at the bottom, in the middle or at the top, it just depends on your political allegiances or family coonections with those in power. You do though, just need to also give up a few personal freedoms and liberties. More so than in capitalist countries at the moment. But looking at Trumpland, who knows.

How about a halfway house such as the Scandinavian countries. Still have the poor (but not as poor as in the UK), middle and top earners. But those in employment have to pay a lot more tax to enable the governments to be so much more benelovent to those in need.

But the majority in this country are doing well as you've seen, going about their business. They may shop a lot more in the discount shops, but they do so out of choice, alongside those that do so out of necessity.

But do we make that majority a little poorer to make the poorer a little better off? Not a bad idea. That is, until that is happening year after year.

What happens then? The majority doing okay, don't feel so okay and the resentment starts. Why work full time when you can work part-time or not at all like your formerly poorer neighbour who now has a similar level of income?

What we need to stave off community tension and disillusionment with the established political parties is a wholesale root and branch reform of government, work, benefits and society. But unfortunately, none of the traditional parties would bite the bullet and implement wholesale changes. Because of kicking the can down the road, we may end up with a party that will likely make ultra radical changes that may alter our society negatively rather than for the better. But heyho, maybe they will not be as bad as feared and may be the needed catalyst for change by other parties.

Excellent post.

BunnyLake · 25/11/2025 09:56

IDontHateRainbows · 25/11/2025 00:44

You dont see all the people who stayed home that day due to being skint.

That’ll be me. I don’t go out much anymore unless it’s work or local food shop. Not because I don't want to, but I now have to weigh up what the potential costs might be. I don’t even go for a wander round my nearest city like I used to because it will incur extra costs. I haven’t been micromanaging my money like this for a long time but every single thing costs more and is less (size, quality, service etc) than ever. It makes me wonder what people will actually get for their money in a few decades when everything has been trimmed to the bone so much it’s disappeared altogether.

I have a friend who is doing so much better financially than she was ten year’s ago. She was at my hours in tears once because she and her dh were struggling so much. They’ve turned things around and now have money to burn. I don’t think the col is affecting them very much at all.

shuggles · 25/11/2025 09:56

@SlothfullyYours A large chunk of the poverty is self-inflicted. 20 years ago, people were driving fairly normal cars. Nowadays, everyone feels like they need to drive a stupid-looking SUV, or one of the obnoxious German trio cars (Mercedes/BMW/Audi).

People pay £200 a month for these cars, sometimes a lot more, for the privilege of not even legally owning them.

If people went back to driving normal cars, a lot of the self-inflicted poverty would suddenly evaporate.

The other aspect is housing. House prices have grown much faster than inflation, and are currently the biggest ponzi scheme in the country. Treating property as an investable asset was always going to have negative outcomes, but the wealthy don't care about that.

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