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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:
Thread gallery
5
Itsnotallaboutyoulikeyouthink · 26/11/2025 15:14

Well ya have to do a bit less driving the won’t you. Pay a little less into pensions and invest it elsewhere. I mean I’m on £57k and £1k a year would be a lain but not enough for a mumsbet post. Crikey.

Gilead · 26/11/2025 15:12

GentleOlive · 26/11/2025 13:53

Don’t complain. You have done your public service so that half a million people already welfare dependent who choose to have kids they cannot afford get a £5k a years additional final raise.

Edited

Spiteful.
look at it another way - all those women who were forced into pregnancies that they didn’t wasn’t will be able to feed themselves more often.

Popcorn76 · 26/11/2025 15:12

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.

How can you be feeling squeezed if you each pay £35k a year into pensions?

Southernecho · 26/11/2025 15:11

Pennyfan · 26/11/2025 15:09

I get that but I don’t see why better off people should be seen as cash cows to fund a higher benefits bill. Scrapping the benefits cap so people can have more children and the state will pay for them all instead of being sensible with their choices. Stinging our young with university loan repayments far above inflation or mortgage rates. Giving pensioners the triple lock which we can’t afford. Making a life on benefits far more attractive than working in a modestly paid job. I honestly think people would accept more tax if there were decent roads, healthcare was appropriate for a major developed country and major projects happened on time and on budget rather than dragging on for years and costs ballooning. I’m ok-nearly a pensioner but God, I feel for my children who are working hard-for what?

If we paid more in, we'd have these things.

Tax burden in Europe is a lot higher than the UK.

AutumnLeavesandKnittedJumpers · 26/11/2025 15:11

Pennyfan · 26/11/2025 15:09

I get that but I don’t see why better off people should be seen as cash cows to fund a higher benefits bill. Scrapping the benefits cap so people can have more children and the state will pay for them all instead of being sensible with their choices. Stinging our young with university loan repayments far above inflation or mortgage rates. Giving pensioners the triple lock which we can’t afford. Making a life on benefits far more attractive than working in a modestly paid job. I honestly think people would accept more tax if there were decent roads, healthcare was appropriate for a major developed country and major projects happened on time and on budget rather than dragging on for years and costs ballooning. I’m ok-nearly a pensioner but God, I feel for my children who are working hard-for what?

It sickens me

wahwahwahwoah · 26/11/2025 15:11

chouxchoux · 26/11/2025 14:21

OP there are lots of us quietly reading your thread understanding exactly how you are feeling, and agreeing with you.

Obviously there are also lots of very noisy, presumably envious people here shouting at you, who want to give you a hard time about you and your DP working hard and being sensible with your money and pensions.

Ignore the histrionics in these replies. YANBU to feel the way you do.

Because people who earn less clearly don't work hard and are in poverty because they squander money. If you live beyond your means and can't cope with fluctuations in interest rates and taxes, or unforeseen life events, then that is not being sensible with money. That is on you.

Southernecho · 26/11/2025 15:10

Woollyguru · 26/11/2025 15:05

I know of someone with 7 children and a motobility BMW.

So what?
Its not widespread and the allowance is £77 per week, if you want a better car than that can buy, you have to pay upfront.

The number of families with 7 kids, unless blended, is very small.

Plus higher tier cars have gone now, Labour removed them, the Tories kept them in place

Pennyfan · 26/11/2025 15:09

wahwahwahwoah · 26/11/2025 15:00

You talk rubbish. Up until last year we had a household income of £180k. I could absolutely see that I was well off and privileged. I could see that many people worked much harder than me and were living in poverty and unable to escape it. I'd bought a house that allowed for variations in income / interest rates. Even on half the income we were on I am still happy to pay more NI/tax because it's the right thing to do. The country is in crisis and on track to going bust. You absolutely need to check your privilege from a fellow privileged person. It's not about attacking well off people it is about the total lack of awareness of some people.

I get that but I don’t see why better off people should be seen as cash cows to fund a higher benefits bill. Scrapping the benefits cap so people can have more children and the state will pay for them all instead of being sensible with their choices. Stinging our young with university loan repayments far above inflation or mortgage rates. Giving pensioners the triple lock which we can’t afford. Making a life on benefits far more attractive than working in a modestly paid job. I honestly think people would accept more tax if there were decent roads, healthcare was appropriate for a major developed country and major projects happened on time and on budget rather than dragging on for years and costs ballooning. I’m ok-nearly a pensioner but God, I feel for my children who are working hard-for what?

AutumnLeavesandKnittedJumpers · 26/11/2025 15:08

I’ll get the violins out

Dweetfidilove · 26/11/2025 15:07

Benjithedog · 26/11/2025 15:06

It’s not though.

Okay.

Benjithedog · 26/11/2025 15:06

Dweetfidilove · 26/11/2025 15:05

Well... there'll always be those who wriggle out of paying, but for the most part, it is a collective struggle. I don't know anyone who isn't at the moment.

It’s not though.

AlwaysHopefull89 · 26/11/2025 15:06

fluffiphlox · 26/11/2025 15:06

‘Rinsed’. Hardly.

Exactly. I’ll cry in my 1 bed flat

GentleOlive · 26/11/2025 15:06

Woollyguru · 26/11/2025 15:05

I know of someone with 7 children and a motobility BMW.

It’s beyond a joke at this point. I hope this government is out of power long before 2029.

fluffiphlox · 26/11/2025 15:06

‘Rinsed’. Hardly.

Slothisavirtue · 26/11/2025 15:05

HPFA · 26/11/2025 15:02

That bit jumped out at me too.

I'm a public sector worker so no beef on that from me but every time council tax goes up I remind myself it pays me a decent wage and very good pension. Would be absolutely wrong for me to moan about it.

I feel like the public sector get incredibly good value for money for the work I do

EasternStandard · 26/11/2025 15:05

EmmaOvary · 26/11/2025 15:04

There are kids at my son’s school who don’t have weather appropriate shoes. So yes, I’m happy to pay more.

Which tax rises mean you’re paying more?

Dweetfidilove · 26/11/2025 15:05

Benjithedog · 26/11/2025 15:03

All in it together? Don’t make me 😆

Well... there'll always be those who wriggle out of paying, but for the most part, it is a collective struggle. I don't know anyone who isn't at the moment.

Woollyguru · 26/11/2025 15:05

GentleOlive · 26/11/2025 13:53

Don’t complain. You have done your public service so that half a million people already welfare dependent who choose to have kids they cannot afford get a £5k a years additional final raise.

Edited

I know of someone with 7 children and a motobility BMW.

Benjithedog · 26/11/2025 15:05

EmmaOvary · 26/11/2025 15:04

There are kids at my son’s school who don’t have weather appropriate shoes. So yes, I’m happy to pay more.

That is their parents responsibility to make sure their children have shoes

BashfulClam · 26/11/2025 15:05

I’ll swap, me and my husband earn under £60k between us. We have no children so we don’t get any extra money. I have £7.23 to last me till Friday so forgive me if I couldn’t give a shit about your £1k drop.

BringBackCatsEyes · 26/11/2025 15:04

Benjithedog · 26/11/2025 15:00

They shouldn’t feel thankful for working hard and moving up the career ladder. These jobs do not (mostly) land in people’s laps. Most would require a degree of skill and qualifications, things that most people can acquire themselves. Luck very rarely plays a part

Many, many people work very hard and do not earn these salaries.
Helping children out of poverty will hopefully enable more to work hard and move up the career ladder, earning skills and qualifications.

I disagree, I think many people on higher incomes have been born (ie luck) into families that are able to support their education.

Member869894 · 26/11/2025 15:04

You despair????? Tone deaf to say the least. Get a grip

bumblingbovine49 · 26/11/2025 15:04

Fro anyone interested this gives a breakdown of what an average salary is in the UK (before tax) broken down by regionand age and what you have to earn to be in the top 10% of earnings for that area
https://www.starlingbank.com/blog/average-uk-salary-by-age/

Average gross salary vs Salary that puts you in top 10% of salaries in that region
London £65,994 / £105,146
South East £46,006 /£74,189
East £44,093 / £70,052
Scotland £43,425 / £66,995
West Midlands £41,482 / £61,713
North West £41,105 / £65,572
South West £40,509 / £63,735

Yorkshire £39,732 /£62,733

NI £39,612 / £60,098
East Midlands £39,271 / £61,599
North East £38,321 / £59,640
Wales £38,295/ £57,750
UK average £45,836 / £72,15

If your salary is in the second one - ie in the top 10% of all salaries for your region then you are definitely not a middle income earner

And before anyone starts on about outliers of very high and very low income, the statiticians take that onto account so PLEASE DO NOT SAY that "you know some people who earn more than that in that area and all your friends do so that just can't be right!!" These numbers are much more likely to be right than your personal local experience amongst a sample of your friends🙄

If you earn a lot more than these am ounts in the same regionyou are not a 'middle income earner' , in particular of you earn more than the amount that puts you in the top 10%

If you earnings are close to the first listed slary, ie a bit over or under then you can proably accurately say you are a middle income earner as you are close to the average

Mine is close to the average but over it so I am a higher than average income earner but not in the top 10% (I earn £55K Full time equivalent but as I work PT I earn around £45K in the South East )

Average Salary UK: Full Breakdown by Age & Region | Starling

What is the average salary in the UK? We break it down by age and region and examine how the taboo surrounding salaries relates to ‘money dysmorphia’.

https://www.starlingbank.com/blog/average-uk-salary-by-age/

EmmaOvary · 26/11/2025 15:04

There are kids at my son’s school who don’t have weather appropriate shoes. So yes, I’m happy to pay more.

Elphamouche · 26/11/2025 15:04
  1. You’re not a middle earner
  2. it’s £100 a month.
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