AIBU to ask what you have left monthly after bills?

I’m not that high by high earning standards but have a degree from a russell group uni and masters in a STEM subject. Worked all my uni holidays and a pocket money level job during term time. Got through uni before tuition fees were a thing. Lived at home for 3 years when I first started work (paid rent but also enabled me to save), have a professional qualification and 25years experience in the private sector where job security is pretty good, perks are ok but employer pension contributions are crap. Have sacrificed long periods working away from home over the years, haven’t had a pay rise that’s kept up with inflation for a number of years and probably still underpaid compared to my male counterparts
also managed to get on the property ladder before prices rent bonkers, but also haven’t moved for nearly 20 years as a result.

And how do you know I don’t do a “worthwhile” job?

I'd even settle for our measley yearly pay rise being in line with inflation.
3.3% won't even cover how much petrol has gone up.

We have around half of our monthly income left after bills (mortgage, utilities, tutoring/lessons for our dc, insurance and so on), but not food. Our food bill is astronomical (household includes teenage boys) and I need to reign it in.

Same here, I obviously never thought that I would get rich from nursing but it would be nice if our skills were recognised in our pay.

(I’m not in my overdraft but I am very careful scrooge and have scraped some savings together so that I don’t go into debt although it feels like one step forward and ten steps back).

I don’t work and haven’t reached retirement age. I do though have my own income and a small monthly pension.

I'm left with £1050 after essential bills are paid

Well done you. I also volunteer at a local animal charity one day a week and donate to several animal and environmental charities (since you ask) A nurse above has detailed her income and expenditure, doing a worthwhile job and still doesn’t have much to spare. It just makes me feel cross that people boast what they have whilst others struggle while working equally hard.

Nothing that mystical. I’m at director level at a media company and DH is also director level in the public sector.

Speak to a mortgage advisor & see if you can fix earlier. Had this Iran war not broke out we would likely have seen at least one more rate cut this year, that would have meant less impact on mortgage rates for people coming off deals

We have about £4500 after bills but before food and fuel. Spend around £1k on fuel and food

If it doesn’t poor janes brain is probably going to burst 😂

Single mum, 2 DC, work full time earning £50k but pay 13% pension contributions.
Mort of £800…save £700 a month atm for holidays, birthdays, emergency fund etc. after all bills left with around £400 - but that quickly dissapears each month on god knows what.
My mortgage renews in Feb (currently on a very low rate) and I’m actually fearful how I’m going to pay the what’s looking likely to be a huge increase with how interest rates are heading.

oh thank you. im nt sure id even get that - I dont know

@Sensiblesal does donating to Reform count?

(kidding!)

@Jane143
we do a lot to keep ourselves from relying on the state.
we have jobs that pay private health insurance- which we pay tax on as it’s a BIK
we pay life insurance and assurance, income protection, mortgage protection etc so in the event that something happens to us there’s hope we will have things covered.
we save a large chunk yes- so we are covered if anything drastic happens- so we can put our dc through university etc.

A few years ago I did an activity for charity and raised over 700 and as a workplace we raised over 50k. I donate to charities ad hoc and donate my time monthly as I said.

not that I needed to explain any of that to you of course. What do you to stop yourself from relying on the state and how much money and time do you donate??

Jane wants to know how much you donate to charity & which benefits you can give back cos you have more than her 😂

You clearly have an issue. First up saying she should give to charity now that she shouldn’t get CB

I don’t see you suggesting to the people with £100 left that they should give to charity.

This ladies outgoings to me are insane, I’m greatful not to be in the having children to pay for & associated costs.

life's hard enough as it is without spending your time being jealous of people you ‘deem’ to have more than you. Suggesting someone with more should subsidise others or not be entitled to things the government sets as them being entitled to is crass.

You'd need to apply for PIP. DLA is for children under 16.

thank you. I should look into it becasue I cant work fro nine years since having severe mental illness

Disability living allowance.

Single mum on 2 here. I have about 1k after all bills and food, but i put it all away into various savings (mine and dc's) accounts and invest some of it.so it never just sits there.

what's DLA?

About £2.8k in the household but before we had our daughter and childcare fees, and dropped hours at work to cover some days, it was more like £4.5k. Bulk to mortgage overpayment and savings, short term or long term. Probably spend £500 each truly disposably. We each have one expensive hobby and like a couple of meals out.

Car isn’t very impressive and was bought cash for £6k.

Sorry I felt like I was dodging bullets there from @Jane143 and misread 😅

thank you for doing what you do