Page 13 | HH income of £250k but we don’t feel rich?

InterestedDad37 · 18/01/2026 20:17

You could earn some more money by taking in a lodger perhaps? Part-time cleaning job? Dog walking?
Lots of ways to maximise your income if you put your mind to it. 🤔

EmeraldDreams73 · 18/01/2026 20:17

Give me strength.

Most of your expenses are choices, for a start.

You save more than my dh brings home every month and almost as much as I do.

If this is even real, you live a charmed life financially speaking. Now go away.

YouWillNeverGuessMyUsername · 18/01/2026 20:16

Bdrgvlugcbu · 18/01/2026 19:59

Maybe having lots of money left over each month?

Show quote history

Lol, the £2500 each month going into savings is the left over 😂😂

You're saving more each month than I earn

You're fine

Christmaseree · 18/01/2026 20:16

Have you checked for any benefits you aren’t claiming, UC perhaps?

waterrat · 18/01/2026 20:16

one of my greatest 'irks' is people who send their children to private school and then complain about having to spend money on it/ or work hard for that money.

SO many things grossly wrong about this

Plenty of people - nurses , doctors, social workers, ambulance drivers..I could go on - work very hard and would never be able to afford private school

there are excellent state schools. If you wanted you could use them and then have a big old pile of money sitting around .

Chiseltip · 18/01/2026 20:16

Bdrgvlugcbu · 18/01/2026 19:55

Not a brag in the slightest! And wouldn’t discuss this non-anonymously.

DH earns just over £250k per year. Has fallen into the role really and is based on natural ability/talent as oppose to lots of hard work and training. He works very long hours though. I’m a SAHM to 3 young children.

Take home is approx £12k per month.

School fees: £3,000 per month
Mortgage, car and bills: £3500 per month
Personal savings £2000 per month
Kids savings: £450 per month
DH and I take: £500 personal money each per month
Leaves us with £2,000 per month for general spending, food shopping, days out, holidays, children’s clothes…

We don’t really go without, but we don’t feel “well off” by any means. Where are we going wrong?!

Leave the Bastard.

catsarethefuture · 18/01/2026 20:16

Get a job and stop being poor and lazy👌

shhblackbag · 18/01/2026 20:15

SiobahnRoy · 18/01/2026 20:06

Take home is approx £12k per month.
School fees: £3,000 per month not essential
Mortgage, car and bills: £3500 per month
Personal savings £2000 per month not essential
Kids savings: £450 per month not essential
DH and I take: £500 personal money each per month not essential
Leaves us with £2,000 per month for general spending, food shopping, days out, holidays, children’s clothes… could be halved

My point exactly.

YouWillNeverGuessMyUsername · 18/01/2026 20:15

OP: I spend all my money and don't feel rich 😭 😭 😭 😭

Jesus Christ.

jamandcustard · 18/01/2026 20:15

Excellent Sunday night wind-up OP. 👏

itsthetea · 18/01/2026 20:15

Objectively you are rolling in it

so why don’t you feel rich? You don’t feel well
off?

is it a sign of deeper dissatisfaction with your life? You have all this money and you do what you think your should be doing and just don’t feel anything that gives you joy for all that ?

shhblackbag · 18/01/2026 20:14

Bdrgvlugcbu · 18/01/2026 19:59

Maybe having lots of money left over each month?

Show quote history

You do have lots of money left over, OP. You're saving a ton each month and are spending quite a lot monthly. You need some perspective tbh.

Original poster

Bdrgvlugcbu · 18/01/2026 20:14

Doseofreality · 18/01/2026 20:05

You can’t afford the school fees if you are spending a quarter of your take home income on them.

What percentage should school fees use up?

OP posts:

waterrat · 18/01/2026 20:14

you are spending your income sending your kids to private school

you have a big income, you are spending it. that's how it works

btw OP - only 7 per cent of British children go to private school.

you probably don't realise this due to circles you move in - but you are chossing to give them an unusual and very elite education.

that is your choice

Original poster

Bdrgvlugcbu · 18/01/2026 20:13

JustMyView13 · 18/01/2026 20:04

It’s because you’re probably HENRY’s
High
Earners
Not
Rich
Yet

£2k savings per month will change that in no time. Perhaps you need a financial planner to help you see the savings journey you’ve started, and to maximise your investments.

We don’t have years worth of savings so maybe this is why. If DH lost his job tomorrow then we’d be in trouble.

OP posts:

cadburyegg · 18/01/2026 20:13

NoAttorneysToPleadMyCase · 18/01/2026 19:56

Oh Christ read the fucking room love

First response nailed it

bombastix · 18/01/2026 20:13

Get a chicken, make it last a week

tartyflette · 18/01/2026 20:11

Do you worry about paying the bills each month? I guess not as you are making regular payments into savings.
And if the big end on the car went you’d be ok?
If the first answer is no and the second answer is yes I reckon you would be seen as well off in most people’s eyes.
DH and I are retired, DC flown the nest, house is paid off and we have decent pensions and savings so we are in the fortunate position of not having to worry about money at all. I count that as well off.

Nomdemare · 18/01/2026 20:06

You just know this is going to land on deaf ears…

I would say though that I suspect there’s a huge chunk of people who are having their ever increasing private school fees paid by grandparents - definitely not out of own taxable income. I see this amongst DS and DD’s contemporaries at their prep school. It’s a huge slug of generational wealth being handed down.

Like us, you’re paying fees out of your taxable income, so it’s a hefty whack. Our choice, though, and we are privileged
to have the opportunity for a really good education.
Secondary state schools are all pretty poor in our area so we will be continuing to pay at senior school. It’s a shame we are out of catchment for a grammar school - but it is what it is.

SiobahnRoy · 18/01/2026 20:06

Take home is approx £12k per month.
School fees: £3,000 per month not essential
Mortgage, car and bills: £3500 per month
Personal savings £2000 per month not essential
Kids savings: £450 per month not essential
DH and I take: £500 personal money each per month not essential
Leaves us with £2,000 per month for general spending, food shopping, days out, holidays, children’s clothes… could be halved

willstarttomorrow · 18/01/2026 20:06

Well most people do not spend £3000 on school fees each month, have children's savings, have a smaller mortgage and certainly not £500 each to spend on themselves. Absolutely fine if your income allows this, but your income allows this because you are well off. You are also very fortunate not to have to work. I am also very fortunate that my social worker salary (whilst not huge) allowed me and my children to survive and have a life when DH died very suddenly and insurances refused to pay out. It is all relative.

Backtothe90ties · 18/01/2026 20:06

Bdrgvlugcbu · 18/01/2026 19:59

Maybe having lots of money left over each month?

Show quote history

You do have lots of money left over you put it in savings! This post is fucking ridiculous 🙄

nutbrownhare15 · 18/01/2026 20:06

And put your income into this and give your head a wobble https://www.ons.gov.uk/visualisations/dvc1802/calculator/index.html

Wealth Calculator

https://www.ons.gov.uk/visualisations/dvc1802/calculator/index.html

WhattheFudgeareyouonabout · 18/01/2026 20:06

Bdrgvlugcbu · 18/01/2026 19:59

Maybe having lots of money left over each month?

Show quote history

🤦🏻‍♀️.

Stephen Colbert No GIF by The Late Show With Stephen Colbert

Moveoverdarlin · 18/01/2026 20:05

But after everything has gone out and you’ve paid school fees, 2k savings, £500 each spending, you have 2,000 pounds left to play with. That IS A LOT.

If you don’t think it is, reduce the savings to 1k a month and stop paying in the kids savings account. That leaves you with £3,500 a month surplus income. How much more do you want?