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Feeling financially battered and sad. Can anyone make me feel better?

228 replies

Killat · 27/11/2025 16:24

Post-budget, I’m feeling financially battered, sad, and to be honest, quite jealous and bitter. DH and I are hard workers with decent salaries but have barely anything left after the massive mortgage and nursery fees. It’s looking like we can’t afford a second child.

What little, cheap things pick you up? What have you read lately that makes you feel optimistic?

OP posts:
Pickledpoppetpickle · 27/11/2025 18:33

Killat · 27/11/2025 16:41

I know, but we can’t send them back. Maintenance is £500 a month but they cost far more in housing, clothing, uniform, and everything they need when they’re here. I find it very hard not to be bitter about the fact that his ex (she has four kids) has a much better lifestyle than us despite working two days a week.

When we met, DH was on a much higher salary but he lost his job during Covid and has never got back to where he was, not through lack of trying.

His children need to be cared for. Comparing your life with an ex is only ever going to lead to misery. Work on being grateful for what you do have, not annoyed about what you don't. Change whatever you can change in your lives to get ahead. It's pointless being pissed off with someone else for living a different life - it does not add to yours.

TomatoSandwiches · 27/11/2025 18:32

Your problems have literally nothing to do with the budget, zero.

BustyLaRoux · 27/11/2025 18:28

Killat · 27/11/2025 17:42

It sounds like we are in quite similar positions. I’m not trying to play my tiny violin either and know I have things to be grateful for. It’s just not how I hoped life would work out when I was in my teens or twenties.

No I know you’re not. Try to focus on the longer term outlook. Things will get better once nursery fees are a thing of the past. Now are the hard years.
I am lucky that we had our 2nd DC when I was still married and our mortgage was relatively small, though we did have to wait until my now exDH got a better job as like you, we had to face the hard truth that we couldn’t afford a 2nd child. We both worked full-time earning above the national average and yet we literally couldn’t afford another child! It’s scandalous when you think about it!!! Like I say my ExDH got a better job and we were able to start TTC. But the gap between them is bigger than I’d have liked. I had always wanted a much bigger family (4 DC ideally), but we absolutely couldn’t afford more than 2. Never mind, I am grateful for what I have (if a little worried about my retirement).
When my DS leaves home I won’t have enough UC to afford the rent on this place, so I’ll have to up and move to something smaller for me and my DD. He won’t have a bedroom so when he comes home from uni, likely I’ll not see much of him as he’ll have to stay at his dad’s. I’m very sad about that. I try not to think about the shit bits of my life and like you I look for small pleasures. My lounge is full of scented candles and I’m sat here under a fluffy blanket with my DS watching shite on TV and that makes me enormously happy! Xxx

GingerBeverage · 27/11/2025 18:27

Does your mum help with childcare? Can you knock a day off nursery with her help?

oustedbymymate · 27/11/2025 18:24

Are you fixed on your mortgage? Look for a new rate and extended the mortgage through nursery years? Thats what we have had to do

Overthebow · 27/11/2025 18:23

Killat · 27/11/2025 17:41

No relief, really. I had hoped the tax band thresholds would be unfrozen.

DH’s ex crowing on FB about getting more UC has upset me; I have hidden her. My two best friends each had sizable inheritances and are happily TTC their seconds and planning holidays. My mum, in the three-bed council house she lives in alone, is offering me her old kitchen because the council are replacing it and ours is fifteen years older than hers.

It’s all “comparison is the thief of joy” stuff and I need to focus on us having our health and my one, wonderful DC. But it is hard sometimes.

But you do already have 3 DCs between you, that it a lot and many people can’t afford 4. The problem isn’t that with the budget you now can’t afford 2 DCs, you can’t afford more than the 3 you already have. We have a reasonable household income, and our mortgage costs are lower than yours and we could afford 4 DCs, or even 3 really.

Nottodaythankyou123 · 27/11/2025 18:21

Glowingup · 27/11/2025 18:08

How precisely has the budget made you worse off? You need to stop comparing yourself to his ex - having four kids by two different dads and being on benefits doesn’t exactly sound very enviable anyway.

This!

OP, I completely appreciate how stretched you feel, but it’s nothing to do with the budget and everything to do with your DP losing his better paid job, nursery fees and £500 a month in maintenance.

I’m not sure how old your DC is, but could you switch to a pre school with far cheaper fees / free? Appreciate though the hours may not work depending on your jobs!

As for cheap things, I like a cheap face mask, a hot choc and a movie for a little pick me up!

SleeplessInWherever · 27/11/2025 18:20

I really wouldn’t be envious of your friends being able to afford TTC due to inheritance, they would likely prefer their family member back.

My ex husband paid the mortgage off with his dad’s inheritance, he’d have preferred his dad alive.

DryIce · 27/11/2025 18:20

I feel for the OP. Sounds like she's followed the script we were given in the 90s/00s - study, work hard, be independent and you'll have a good life!

Only these days it turns out "a good life" looks quite different to that of our parents. And "working hard" doesn't always necessarily pay.

She doesn't sound bitter to me, just a bit sad and resigned. I think that is fair - on the whole we now have smaller houses and families than we came from, and not always by choice. Added to this, she has her DHs ex partner seemingly not struggling with the exact things that the OP is: working hours, finances, having more children. Surely she's only human to find that a bit confronting. I think you were wise to block her OP!

Having said that, and I really do think all your feelings are very understandable - too much brooding on them really does only hurt you. There are many positives about a one child family, not least your own time/energy even happiness - I've read that one child makes mothers happier but there is no further increase for more!!

And while your financial situation may not be where you'd like it to be, one child will allow you to do a lot more with your child and be free of nursery etc fees sooner.

ZoeCM · 27/11/2025 18:13

"We can't send them back" is such an odd choice of words. It makes it sound as though you (and their father) wish you could.

itsthetea · 27/11/2025 18:10

I do not buy things to make myself feel better - as long as I have a roof and food I consider myself in a good position. But I don’t get joy from spending - I get joy from friends and family

nursery fees yes are expensive but also - for most people at least - short term and sometimes life is tough - you are not entitled to anything beyond the basics. You can’t just expect to have whatever you what. Even if you earn a lot you already have a lot ( 6 kids ?!?)

Glowingup · 27/11/2025 18:08

How precisely has the budget made you worse off? You need to stop comparing yourself to his ex - having four kids by two different dads and being on benefits doesn’t exactly sound very enviable anyway.

OneFunBrickNewt · 27/11/2025 18:07

I don't mean this unkindly- this isn't to do with Rachel Reeves, but more so the specific choices/situation you have made/are in. Getting rid of the two child limit will surely help anyway. And yes, it is hardest during nursery years.

JLou08 · 27/11/2025 18:01

Why have you posted that you are feeling financially battered after the budget when you are in the same position you were before the budget?

tripleginandtonic · 27/11/2025 17:53

Killat · 27/11/2025 16:42

I’d like to but DH is less keen. He had agreed we’d have two but now we have nothing left at the end of the month, he has changed his mind.

6 dc is a lot.

Happyher · 27/11/2025 17:49

redskydelight · 27/11/2025 17:23

I don't think being able to "survive" with another child is something to aspire to. Especially if there are already 3 children in the family who will inevitably suffer.

of course on paper it's possible to afford children. Most responsible parents do the sums first, not choose to have a child and then "manage".

You’ve obviously lived a more affluent life than me. It’s no wonder the birth rate is low nowadays

Clychaugog · 27/11/2025 17:47

AlltheHedgehogsontheWall · 27/11/2025 17:14

What on earth is your interest rate to be paying that much in interest?

Probably not an insane amount. Interest is front loaded on mortgages and loans.

CautiousLurker2 · 27/11/2025 17:45

cestlavielife · 27/11/2025 16:33

Switch to a 35 year mortgage while you paying childcare

I’d definitely do this and overpay in years where you can afford to pay it sooner, even if that is not until the kids are older.

Happyher · 27/11/2025 17:44

KilkennyCats · 27/11/2025 17:26

Because op and her dh are currently doing that, with three children, and are still coming up short.

She says she cant afford a second child

Killat · 27/11/2025 17:44

AlltheHedgehogsontheWall · 27/11/2025 17:41

Well that's a big part of your problem. Why is it so high?

How has the budget impacted on you?

I already said this, because we took it out in the aftermath of Liz Truss and this is what we were offered. I was switching in my previous (smaller) mortgage which was on a much lower rate so it didn’t make it cheaper to change provider.

It should go down a bit next year.

OP posts:
CheeseIsMyIdol · 27/11/2025 17:43

OneAmberFinch · 27/11/2025 17:34

This depends on the definition of "suffer" (are we saying they may have to share a room and wear a few hand-me-downs, or that they will have no shoes, coats, hot meals etc?)

Personally I think it's really bad for society if responsible working couples "responsibly" decide not to have [more] kids because the nursery years are really horrible financially. I think this is clearly happening - overall they can afford children but during the actual active reproductive years it is a struggle so they don't.

Look at lowest income decile vs highest income decile family sizes - I don't think this is a clear cut "your children will starve if you keep reproducing". Usually it's that they might need to make some lifestyle sacrifices.

It depends on the details of OP's life but I think there is too much messaging of "don't have kids unless you can super comfortably afford them!!!" which is not heard by the people who should hear it, but which really worries normal responsible people.

That poor people are producing too many kids is a batshit reason to urge middle class people to produce more than they can afford!! Come on!

sussexman · 27/11/2025 17:42

Supermarket Flowers
Home-made bread
Board games

Killat · 27/11/2025 17:42

BustyLaRoux · 27/11/2025 17:37

My rent is 1750 and none of it is paying off any capital! I know you’re not living the life of luxury, but try to see that longer term you’ll own a house! I will never own a house and am renting this on one salary. I’m not playing my violin. I do get UC as well to help with the cost. I have an MSc. I work hard. I would have hoped things would have worked out better than this. I am comfortable but careful with every penny. I can afford a weeks holiday once every two years. I can afford a take away once a month. But my car is 14 years old and I live in fear of it giving up as I can’t replace it. And I definitely can’t afford a private dentist so my teeth are buggered as there’s no NHs ones near me. My parents had such a different quality of life! My mum retired when she was only 3 years older than I am now. I shall likely work until I’m 70 and then have nothing to show for it.

It sounds like we are in quite similar positions. I’m not trying to play my tiny violin either and know I have things to be grateful for. It’s just not how I hoped life would work out when I was in my teens or twenties.

OP posts:
AlltheHedgehogsontheWall · 27/11/2025 17:41

Killat · 27/11/2025 17:36

Part of it is at 5.89%…

Well that's a big part of your problem. Why is it so high?

How has the budget impacted on you?

Killat · 27/11/2025 17:41

Thanks so much to everyone who’s posted suggestions. It really is the little things.

OP posts:
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