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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Absolutely rinsed in this budget - almost £1k a year worse off.

740 replies

Mushroo · 26/11/2025 13:43

Honestly in despair at this government. On a very high level calc, we are so much worse off!

We both pay a lot into pensions, so the NI change is about £700 a year worse off.

We have an EV car, so based on our 4k a year mileage, it’s about £120 a year. (Although how it will be enforced I have no idea).

Stagnating tax thresholds, probably about £100 a year between us.

Council tax F house (4 bed end terrace, not a mansion, needs renovating). So risk of revaluation after having paid a fortune in stamp duty. We didn’t get first time buyer stamp duty relief because we bought about 2 years too early, and we moved before Covid so no relief there either. So overall we’ve paid about £30k in stamp duty already over our lifetime.

Weve already had the private school hit (which is a separate debate and we’ve accepted that) but wow, we are just being kicked on all sides.

We are classic ‘middle earners’ - earn about £70k each, but have mahoosive mortgage and pay over £2k a month in nursery fees already.

Every measure just seems to have a negative effect on our lifestyle, which is ‘comfortable’ but increasingly squeezed.

OP posts:
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Ragingoverlife · 26/11/2025 22:38

Baninarama · 26/11/2025 14:12

Please show your calculations on this one - child benefit for subsequent children is about £17.50 a week or just under £900 a year. These parents are hardly swimming in cash.

It's around 250 per child per month . Youre thinking of child benefit. At least the ones that get to keep it. Most of the non working families will have it removed By the overall benefit cap.

beautifuldaytosavelives · 26/11/2025 22:30

You’re not middle earners and you know it. Get an absolute grip. If you don’t want to pay road tax, stop using the roads. Your EV uses the surface just like my petrol vehicle. Take your children out of private education if it’s all such a squeeze.

Usernamenotav · 26/11/2025 22:30

You lose sympathy as soon as you describe yourself as a middle earner.

It's completely shit that we're all worse off right now. But at 140k between you both are still far better off than the majority. 140k a year is a huge amount of money but I do understnad that people spend based on what they earn and to feel squeezed when you should be feeling extremely comfortable is maddening

justkeepgoingpeople · 26/11/2025 22:28

How on earth do you afford private school on that salary?

why aren’t you getting your 30 free hours for nursery?

Bluebellsparklypant · 26/11/2025 22:17

OP You’re being hit from so many angles at once, and it makes total sense you’d feel frustrated and worn down by it all.

When you’re doing everything right and still getting squeezed, it’s incredibly disheartening. It’s completely understandable you feel this way

ColesCorner7814 · 26/11/2025 22:16

Wingedharpy · 26/11/2025 13:48

Car mileage is recorded every time your car goes in for an MOT so I suspect, though don't know, that the pay per mile will be linked to that.

Yes, I read it would be charged alongside road tax so that makes sense

Teddleshon1 · 26/11/2025 22:16

@WatchThisGladys the best way to get children out of poverty is to have parents in work. This government has done an extraordinary job in collapsing jobs growth and economic activity in general.

WatchThisGladys · 26/11/2025 22:12

Bellsbeachwaves · 26/11/2025 21:58

She said in her speech that lifting children out of poverty meant the tax payer wouldn't have to pay for them later on . I think she meant things that poverty affects, like health, education and therefore life prospects.

Well, it's nice to see a politician thinking further ahead than the next election, even if that runs the risk of another party taking the credit for the results.

Allisnotlost1 · 26/11/2025 22:02

TillyTrifle · 26/11/2025 14:52

I didn't say there are areas where there are only £2 million houses. I said there are lots of areas where a big mortgage is necessary - for even a basic house because house prices are high. Eg London. Yes people can ‘move to cheaper areas’ as is always trotted out but is it really good for society if people leave their family support systems, childcare options etc? And what about leaving an established job to find a new one in this new cheap area - not always that easy? And what happens to ‘the north east’ when everyone has moved there for the lower house prices? I was simply pointing out that some areas of the country have high house prices and therefore high borrowing is necessary to secure a typical family home. A big mortgage doesn’t mean someone is living in the lap of luxury, it sometimes means they were born in the south east and quite reasonable would like to stay there.

But I think you know that and you’re just trying to bicker.

I live in the SE and therefore have the exact problem you describe. But there are still choices and people who choose to get a massive mortgage that they can just about afford are in a risky position if things change. One person might get sick, or worse, a job loss, a big inflation increase. Why take the risk? What I see is people buying property and then building massive extensions, hence huge mortgage. That’s not ‘necessary’ that’s a lifestyle choice.

Bellsbeachwaves · 26/11/2025 21:58

Bushmillsbabe · 26/11/2025 21:20

But the question is will this extra money break the cycle? It will be interesting to see if there are measurable benefits in term of school attendance and achievement, health measures, social services involvement etc. I think it would be a very hard hearted person who would resent children getting money which funded clear improvements in their quality of life, health prospects etc. The concern I think some may have is will this money make a real difference, or would it have been better used in school to support targeted interventions, given to food banks, to services which support children with disabilities and other needs, to targeted health support and children's centres for early intervention.

She said in her speech that lifting children out of poverty meant the tax payer wouldn't have to pay for them later on . I think she meant things that poverty affects, like health, education and therefore life prospects.

EvangelicalAboutButteredToast · 26/11/2025 21:51

Thatweegirl · 26/11/2025 20:25

You are not classic middle earners, and have a very high household income. If you are feeling the squeeze on £140k then you are doing something really wrong. Also, the years when you are paying for childcare are always tight, and this will lessen as they get older, provided they are not going to private school of course.

Our household income is around £100k and we have a very nice life. I feel like we are very lucky to be able to absorb any tax rises and to not always be worried about having enough for basics. I would rather contribute more if it helped people who need it.

Where do you live and have a much are your mortgage payments?

Bushmillsbabe · 26/11/2025 21:45

Doggielovecharlotte · 26/11/2025 21:25

Because those services no longer exist on the whole

thanks to the last govt

We do have some targeted support for pupils on low income (pupil premium). The area I work has lots of children's centres. Although many are under threat of closure currently (under a labour council and labour government).

However, my question wasn't do we or don't we have these things. But whether lifting the benefit cap the best way to improve life chances for these children. The post I was replying to stated that children are struggling due to being born to 'uneducated families making poor choices'. Will these families use the extra money in a way which breaks the cycle? The poverty trap isn't just about pounds and pence, it's about attitudes. Families I work with, yes the extra money will hopefully enable the children to have a better quality of life day to day. But will it make a difference to their outlook, aspirations, long term prospects?

Bushmillsbabe · 26/11/2025 21:28

RashidSanook · 26/11/2025 20:19

But don't all disabled people get PIP?

No, you have to apply for it. DH and I both have the same disability at a similar severity. Only I claim, and that took me many years to do - partly due to challenges in process and also applying meant I had to admit to myself that I had a disability. DH doesn't claim despite being eligible - my PIP generally covers the specific additional costs incurred due to both of our disabilities so we didn't feel right for both of us to claim.

Doggielovecharlotte · 26/11/2025 21:25

Bushmillsbabe · 26/11/2025 21:20

But the question is will this extra money break the cycle? It will be interesting to see if there are measurable benefits in term of school attendance and achievement, health measures, social services involvement etc. I think it would be a very hard hearted person who would resent children getting money which funded clear improvements in their quality of life, health prospects etc. The concern I think some may have is will this money make a real difference, or would it have been better used in school to support targeted interventions, given to food banks, to services which support children with disabilities and other needs, to targeted health support and children's centres for early intervention.

Because those services no longer exist on the whole

thanks to the last govt

Bushmillsbabe · 26/11/2025 21:20

wahwahwahwoah · 26/11/2025 15:25

Because so many children are living in absolute poverty. Parents will still have the children because the reality is that a lot of people who live on benefits are there because they are from disadvantaged families and are uneducated. Is it right that those children suffer for the choices of their parents and the cycle continues. The real answer though is to tax millionaire and billionaire wealth in this country - none of the parties apart from the Green Party will even consider it though. I wonder why...

But the question is will this extra money break the cycle? It will be interesting to see if there are measurable benefits in term of school attendance and achievement, health measures, social services involvement etc. I think it would be a very hard hearted person who would resent children getting money which funded clear improvements in their quality of life, health prospects etc. The concern I think some may have is will this money make a real difference, or would it have been better used in school to support targeted interventions, given to food banks, to services which support children with disabilities and other needs, to targeted health support and children's centres for early intervention.

TrippingOverMyAssets · 26/11/2025 20:40

Come on now ladies where are your hearts? I’m sure we could all put a bit of change in to a Gofundme for the private school fees?

Thatweegirl · 26/11/2025 20:25

You are not classic middle earners, and have a very high household income. If you are feeling the squeeze on £140k then you are doing something really wrong. Also, the years when you are paying for childcare are always tight, and this will lessen as they get older, provided they are not going to private school of course.

Our household income is around £100k and we have a very nice life. I feel like we are very lucky to be able to absorb any tax rises and to not always be worried about having enough for basics. I would rather contribute more if it helped people who need it.

Slothisavirtue · 26/11/2025 20:24

RashidSanook · 26/11/2025 20:19

But don't all disabled people get PIP?

No! Absolutely not.
I know plenty of people who live with disability but don't qualify. Some conditions are very poorly understood and harder to get it for. Some just dont quite hit the threshold.. but that doesn't mean they are magically able bodied!!
So no, it is far from the case that everyone with a disability gets PIP

Lots of us keep struggling on working with additional costs but no additional help. And we should not be being asked to fund someone's luxury brand car

Doggielovecharlotte · 26/11/2025 20:22

RashidSanook · 26/11/2025 20:19

But don't all disabled people get PIP?

Yes if there’s an impact that costs them money to bring them to same people without disabilities would spend

ie needing to pay for a taxi to go to inaccessible places

Benjithedog · 26/11/2025 20:20

seasid · 26/11/2025 20:08

“Have a massive mortgage” aka you have a luxury house that you OWN. Tired of rich people pleading poverty lmao

You have no idea of the houses people live in. None at all

sunflowersnturnips · 26/11/2025 20:20

RashidSanook · 26/11/2025 20:19

But don't all disabled people get PIP?

NO!!!

RashidSanook · 26/11/2025 20:19

Slothisavirtue · 26/11/2025 19:36

Plenty of disabled people work full time and dont get any benefits and have to see their taxes spent on winter fuel allowance for wealthy pensioners and for Chantelle to pop out half a dozen children while working 16 hours a week

But don't all disabled people get PIP?

seasid · 26/11/2025 20:08

“Have a massive mortgage” aka you have a luxury house that you OWN. Tired of rich people pleading poverty lmao

CurlewKate · 26/11/2025 20:04

Addictforanex · 26/11/2025 13:57

You really think that’s what I meant!? Obviously I meant the people will come after her on here with hate. Which they are..

I don’t hate middle earners. Or high earners, like the OP. It would be wildly hypocritical of me. I reserve my distain (not hate- I only use that word for people who I know about personally) for people who are in those categories and who whinge about it.

Crikeyalmighty · 26/11/2025 19:58

Slothisavirtue · 26/11/2025 19:36

Plenty of disabled people work full time and dont get any benefits and have to see their taxes spent on winter fuel allowance for wealthy pensioners and for Chantelle to pop out half a dozen children while working 16 hours a week

Well Labour can’t win on that can they - people like yourself not wanting it as a universal benefit and then comfortably off pensioners daring to get their knickers in a twist if a benefit is stopped -strangely it seems lots of them are ok with benefits , provided it’s ones they can get