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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

AIBU to ask HONESTLY…no tall tales!?

38 replies

Nobulling · 14/12/2025 09:22

If you are a family of 4, both working full time…how much do you ACTUALLY save per month? Honestly, cause I save nothing and genuinely can’t see how!

OP posts:
Statsquestion1 · 14/12/2025 10:35

Nobulling · 14/12/2025 10:30

WTF! Really? Is this including pensions?

@Bjorkdidit yeah it’s not making me feel any better really 😭 but I just had to ask.

Show quote history

No that’s excluding pension. My workplace pays 10% and I pay 8%. Same for dh.

mondaytosunday · 14/12/2025 10:30

Nothing. It’s pretty much gone. But I’m asset rich even if cash poor (own three properties without a mortgage, one with). I also have a reasonably healthy IRA.

Original poster
Nobulling · 14/12/2025 10:30

Statsquestion1 · 14/12/2025 09:25

Honestly…on a month with no extra saving it’s 2.5k some months we can save another 200-300. BUT we earn over 7200 per month, and have no childcare bill.

WTF! Really? Is this including pensions?

@Bjorkdidit yeah it’s not making me feel any better really 😭 but I just had to ask.

OP posts:
Flingotheflamingo · 14/12/2025 10:29

£2750 every month.

Bjorkdidit · 14/12/2025 10:11

People are going to give you numbers between nothing and thousands of pounds and it's all meaningless because people have different incomes, outgoings, priorities and life stages.

Plus people define savings differently. Is the money you put aside for annual and irregular expenses 'savings' or part of budgeted spending?

What about the difference between people who get to the end of the month with £50 left and one person decides to save it but the other decides to get a takeaway? They both have the same ability to save, everything else being equal, they just make different choices.

There's no point comparing yourself with others even if your circumstances may be similar. You just have to try and make the best of your own circumstances.

In the off chance you weren't looking to compare random numbers or have a moan about how shit life is, what is the reason for your question?

collectkdsasmed · 14/12/2025 10:08

Family of 4, 2 teens. £1700 a month which is about 20% of income (it doesn’t include pensions though), it’s terrible though because that’s “short term” stuff (Christmas, holiday, car maintenance etc). We’re awful for long term savings, I’m very much a live in the now person. We have a mortgage, excellent pensions, good insurance including income protection, and we will get some financial payouts in the next few years through DH’s job. But I find it very hard to motivate myself to save for a cushion when we could go on holiday instead 🤣

RhaenysRocks · 14/12/2025 09:37

Single parent on about 3k a month take home. I put £400 in a savings account every month but it usually then goes on a car repair, broken appliance or similar every 3/4 months so it doesn't build up to more than about 1k at any one time.

Buzzer3555 · 14/12/2025 09:29

Retired couple with grown up children, two teachers pensions and no mortgage. We save 500 to 700 a month. Put it in premium bonds

piscofrisco · 14/12/2025 09:29

If anything I am in my overdraft every month. Dh is a high earner, me less so, but we have alot of outgoings with two in uni, two tweens, 3 dogs, dh’s ex wife’s spousal maintenance to be paid, child maintenance and extra demands for the DSS’s, long and expensive commutes….it all adds up.

piscofrisco · 14/12/2025 09:25

We are a family of 6 and we save absolutely nothing!

Thehop · 14/12/2025 09:25

Rarely anything, but really going to start making an effort

Statsquestion1 · 14/12/2025 09:25

Honestly…on a month with no extra saving it’s 2.5k some months we can save another 200-300. BUT we earn over 7200 per month, and have no childcare bill.

ShesTheAlbatross · 14/12/2025 09:25

£1,200

But it’s not helpful info for you. We will have totally different incomes and outgoings.