HH income of £250k but we don’t feel rich?

Well you’ve chosen education then- that’s your perceived compromise and you should be very happy that you are rich enough to do this and still have money left for other things.

Also, when I see folks complaining about all of these situations, I think 'why are you sending your kids to private school, if you're then saying you don't have money?' State school is absolutely great for most kids. There you are, £3k more a month. See, I sorted it for you.

I don't believe it either.😂

Maybe you didn’t intend your OP as a wind up and perhaps it’s because you mix at the school gate with people who are high earners and therefore your perspective is skewed, but really, you are so far removed from the average that it really does irritate. You don’t need to spend what you are spending and you would be better putting money into a pension if you haven’t got one.

You have something in common with the 7% of the population who send their children to private school and maybe some of those are even more well off than you, but you’re posting on a forum that’s more likely to appeal to the 93% who don’t send their children to private school. Of course there are some of the 7% are on here, but I think most will find it difficult to find some sympathy for you, especially when you can very easily be altered to give you savings, as well as a decent quality of life.

This is also nonsense. I earn a fraction of that and never do a camping holiday.

You do. You have £2k personal savings each month. That's my entire income.

You save every month what I earn every month.

why do you not work then to improve your household income?
you can’t afford 3x private secondary with those expenses.

.... But you clearly can... Because you're doing it...

You have lots of money left over each month. When you can afford £2k in savings per month, and holidays, and personal money - you are so much better off than most people. FFS, the average take home must be about £2.5k per month.
Just count your blessings.

Assuming this is real….You don’t feel rich because you are no doubt surrounded by extremely wealthy people who will make your relative wealth seem paltry. It’s why the top 1% don’t feel rich: they tend to compare themselves to the top 0.1%.

Our HH income is way less but I feel rich as I don’t have to worry about paying bills, or providing basic essentials for my (state educated) kids. Given that I grew up with the threat of eviction and bailiffs, it feels like wealth.

This is nonsense. Cleaner/dog walker/someone to mow the lawn and chop weeds back maybe, but fully pay rolled staff are VERY expensive. And most people earning this money are lawyers/in tech/finance and we live in 3/4 bed semis in zone 4/5/6! No room for a full staff.

Why then do you think you're hard done by?

You earn lots, have a ice 4 bedroom house, have kids in independent schools, have cars, savings, lots of spending money etc

WHAT MORE DO YOU WANT?

Good grief you have less in your pension now than I do … 30 years older than you

you really have lost the plot OP

yiu are rich
yiu. Can easily afford everything you need without worry
you have good savings and a great safety net

you are not happy
you are not satisfied

put some music on
i suggest Ralph mcTell and had a good sing and dance to cheer yourself up

2k a month in savings. 🤐
Get a grip.

@Lonelycrab
It was hidden and then reinstated
I

Because you are putting £2500+ away in savings and not spending it each month....

I think you're just used to having money.

You're saving £2000 per month and have spending of £500 each after bills. That means your disposable income is £3000 a month and you have room
In your budget for days out and holidays.

That's what well off looks like. You are well off.

To put it into context I earn just £1000 more than my mortgage payments. I only have savings for Xmas due to a tax rebate. I have 3 kids. I have not been on a holiday other than camping for about 5 years.

I'm coming from a place of understanding. I used to be far better off and weekly takeaways, days out and holidays felt just like things everyone did.

They're not though. Only if you're well off.

It sounds like you feel financially insecure. If your DH just fell into a £250k role you probably aren’t confident he could get another similar paying role of something went wrong in this role. The problem seems to be that you have raised your lifestyle up to your perceived wealth without making sure you have savings to cushion you if something went wrong.

If your mortgage is over £2.5k you likely owe about £5-600k. That’s a big debt to be servicing. If you want 6 mths essential expenses - mortgage, bills, school fees and food as a rainy day fund you need over £50k. Presumably that’s why you are saving hard instead of making additional voluntary contributions to your DHs pension which would come out of pre tax earnings?

Dh earns similar and we don’t want for anything but I didn’t think we could afford to send our three kids to private school without seriously giving up a comfortable lifestyle. That seems like your biggest cost. Most of our money goes on our house ( big mortgage, recent extension) , holidays nothing amazing; campsites in France, a week in the sun and a couple of city breaks, and kids extracurricular activities.

The only people that can afford private school these days are those with family money or the super wealthy.

Must be entirely genuine then of course

Ditch those mates and find some friends in minimum wage jobs then you can lord it over them.