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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Are other full-time working families finding there is nothing left?

936 replies

fatface001 · 31/03/2026 08:40

Alarm went off at 5:30 this morning, then an hour stood on a packed train into London for the commute. We are a normal family: one child and two full-time jobs. I’ve always enjoyed working and have always worked hard, and I don’t mind that at all — but I do expect that full-time work should still mean there’s something left at the end of the month for a normal life.

But that really doesn’t feel like the case anymore.

There’s nothing left at the end of the month. Everything has been stripped back, all non-essentials have gone, and even basic things around the house are being put off or done ourselves because there isn’t spare money for trades. It’s just constant cutting back.

What’s hard is that we’re both working really long hours and doing everything we’re “supposed” to do, but it still feels like we’re going backwards rather than getting ahead.

When I hear talk about “those with the broadest shoulders” contributing more, I honestly don’t recognise it anymore in real life. It doesn’t feel like anyone in our position has anything left to give — it feels like the pressure is entirely on ordinary working households just to stand still.

I’m not looking for luxuries — just the sense that working still gives you a bit of breathing room. Right now it doesn’t feel like that at all.

Is anyone else feeling the same?

OP posts:
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Morepositivemum · 05/04/2026 22:52

Netcurtainnelly
we don't need coffee shops. Make your own. 😁

Less coffee shops, less employment, less socialising, less of the little things that make people smile. Cafés, book shops, newsagents have all closed in our town, it’s now all laser beauty clinics, beauticians, pubs, pharmacies, take aways and vape shops. Our lovely town looks like a dive now

Merryoldgoat · 05/04/2026 19:30

Netcurtainnelly · 05/04/2026 19:28

we don't need coffee shops. Make your own. 😁

Talk about missing the point 🙄

Netcurtainnelly · 05/04/2026 19:28

Tiillytubby · 31/03/2026 09:52

But, people who have been are now not…so, the cleaner and the coffee shop don’t get the business. If there’s a tightening of budgets at a higher level that trickles down. There are heaps of local businesses I’d like to still be in a position to support; beauticians, local clothes shops, coffee shops, local restaurants…these are the places that keep our community vibrant and alive. However, because I now have to give Tesco/ASDA 40% more for my shopping I can’t buy that coffee.

we don't need coffee shops. Make your own. 😁

Katypp · 05/04/2026 19:01

IAxolotlQuestions · 05/04/2026 18:07

Yep - my gran worked with my grandad - and me the day they married she was required to resign by the employer. They did give a three piece suite as a wedding present as ‘compensation’, but that was that.

I think many on this thread are doing that thing where they are judging what people did in the past through today's lens.
I know they don't want to hear it, but things have actually moved on and families today are much more fortunate than out grandparents' families were.

IAxolotlQuestions · 05/04/2026 18:07

Differentforgirls · 03/04/2026 14:32

It wasn’t only common, in a lot of cases it was compulsory. The employers thought if you got married you had a man “looking after you”, so women got the sack.😬.

Now people on here are blaming them for it.

Edited

Yep - my gran worked with my grandad - and me the day they married she was required to resign by the employer. They did give a three piece suite as a wedding present as ‘compensation’, but that was that.

leftyberefty · 03/04/2026 18:56

Yeah, I'm in the support group too. Very glad to have it plus the PIP although it doesn't come anywhere near minimum wage as an income.

Differentforgirls · 03/04/2026 18:49

XenoBitch · 03/04/2026 18:47

It depends what group you are in. My dad was on contribution based ESA for years, but he was in the support group.

Thanks. Didn’t know that. X

XenoBitch · 03/04/2026 18:47

Differentforgirls · 03/04/2026 18:41

Really? I thought after 6 months you went onto means tested?

It depends what group you are in. My dad was on contribution based ESA for years, but he was in the support group.

Differentforgirls · 03/04/2026 18:41

leftyberefty · 03/04/2026 15:56

Not true - I've been on contributions based ESA for 5 years.

Really? I thought after 6 months you went onto means tested?

Crikeyalmighty · 03/04/2026 18:36

Solutionssought2026 · 03/04/2026 18:00

My husband was born in 1969 and his mother went to work while he went to a neighbour

Yes, my situation was similar - I did have a childminder but it was the lady over the fence at the bottom of my garden who had similar age children - it was an informal arrangement , however it was 5 days a week and agreed pay and arrangements between used holidays etc - she was totally fantastic and it suited her too as they were not well off at all.

flapjackfairy · 03/04/2026 18:20

Solutionssought2026 · 03/04/2026 18:00

My husband was born in 1969 and his mother went to work while he went to a neighbour

well yes you had to rely on friends and family if you had any living near. my mother didn't nor did I and I had a child with additional needs so it was even more difficult to be able to leave them and go out to work.

Solutionssought2026 · 03/04/2026 18:00

Crikeyalmighty · 03/04/2026 17:55

Not strictly true , I had a childminder from 1983 to 1987 - but it was less formalised and certainly no contributions .

My husband was born in 1969 and his mother went to work while he went to a neighbour

Crikeyalmighty · 03/04/2026 17:55

flapjackfairy · 03/04/2026 15:01

also there was no child care , nurseries wrap around care or childminders subsidised or otherwise even if women of that generation wanted to work. If you had kids you had to look after them yourself

Not strictly true , I had a childminder from 1983 to 1987 - but it was less formalised and certainly no contributions .

leftyberefty · 03/04/2026 15:56

Differentforgirls · 03/04/2026 07:00

Both of which last 6 months.

Not true - I've been on contributions based ESA for 5 years.

flapjackfairy · 03/04/2026 15:01

also there was no child care , nurseries wrap around care or childminders subsidised or otherwise even if women of that generation wanted to work. If you had kids you had to look after them yourself

WaryCrow · 03/04/2026 14:59

Drippingfeed · 03/04/2026 13:02

What all of them? Don't be ridiculous.
Never voted for Thatcher. Never voted for any of it. The majority of my generation of the early 60s didn't. Those who voted Tory were our parents.
But hey, all that matters is that you, who have reaped ALL the same benefits of the rising market, plus historical low interest rates of the past 25 years, might cop some hostility. My heart bleeds.

Edited

Benefits of rising prices, when I’ve clearly said I was one of the first of generation rent? Such a good advert for that generation.

Differentforgirls · 03/04/2026 14:32

XenoBitch · 03/04/2026 12:27

Yes, my gran was one. She only worked in her early 20s, raised her kids then ended up being a carer for my grandad who became disabled.
She was on Pension Credit.

Years ago, it was common for women to leave work once they got married.

It wasn’t only common, in a lot of cases it was compulsory. The employers thought if you got married you had a man “looking after you”, so women got the sack.😬.

Now people on here are blaming them for it.

Drippingfeed · 03/04/2026 13:02

WaryCrow · 03/04/2026 12:52

It’s caused by that generation. The people who were fully adult and able to change events in the 80s and 90s, and used their power and agency to enable the sell off of public property, council houses and services. Many did very well out of it and all gained from the cheaper housing of the time. Very few seem able to acknowledge how much things have changed. Many seem unaware of how much things have changed. Many seem to sit around making up hard luck stories from their youth which was no worse than mine and think that’s an excuse to exploit everyone younger through a rentier society.

It does bother me that my generation (I’m 50) is likely to cop the burden of hate for the elderly, I’m already seeing and hearing comments from the young who, equally unaware of dates and change, seem not to understand that my generation was the first to be hit by wage/ house price disconnect - and in many ways, hit the worst, and think we’re the same as the baby boomers. We get the load from both sides, financial and dislike.

At some point it will be acknowledged that the first of generation rent is hitting their much later retirement, probably with reduced lifespans.

What all of them? Don't be ridiculous.
Never voted for Thatcher. Never voted for any of it. The majority of my generation of the early 60s didn't. Those who voted Tory were our parents.
But hey, all that matters is that you, who have reaped ALL the same benefits of the rising market, plus historical low interest rates of the past 25 years, might cop some hostility. My heart bleeds.

WaryCrow · 03/04/2026 12:52

Katypp · 03/04/2026 06:45

I can never understand the vitriol towards pensioners and largesse towards benefits claimants on MN.
We never know what's round the corner for us, WE might be benefits claimants one day, so the rhetoric goes.
Yet the one demographic we will all be - hopefully - is pensioners.
I wonder if today's 30 somethings will be happy to have their income so derided when THEY are pensioners?

It’s caused by that generation. The people who were fully adult and able to change events in the 80s and 90s, and used their power and agency to enable the sell off of public property, council houses and services. Many did very well out of it and all gained from the cheaper housing of the time. Very few seem able to acknowledge how much things have changed. Many seem unaware of how much things have changed. Many seem to sit around making up hard luck stories from their youth which was no worse than mine and think that’s an excuse to exploit everyone younger through a rentier society.

It does bother me that my generation (I’m 50) is likely to cop the burden of hate for the elderly, I’m already seeing and hearing comments from the young who, equally unaware of dates and change, seem not to understand that my generation was the first to be hit by wage/ house price disconnect - and in many ways, hit the worst, and think we’re the same as the baby boomers. We get the load from both sides, financial and dislike.

At some point it will be acknowledged that the first of generation rent is hitting their much later retirement, probably with reduced lifespans.

XenoBitch · 03/04/2026 12:44

Drippingfeed · 03/04/2026 12:42

It was common for them to be forced to.
Does your grandma know you think she's a sponger?

Sponger? I never said she was and I do not think anyone is. You used that word, not me.
I guess I could get a Ouji board out and ask her.

Drippingfeed · 03/04/2026 12:42

XenoBitch · 03/04/2026 12:27

Yes, my gran was one. She only worked in her early 20s, raised her kids then ended up being a carer for my grandad who became disabled.
She was on Pension Credit.

Years ago, it was common for women to leave work once they got married.

It was common for them to be forced to.
Does your grandma know you think she's a sponger?

XenoBitch · 03/04/2026 12:27

Coffeeandbooks88 · 03/04/2026 06:38

Mind you what about all the women that stayed at home with their children and have never worked since and who are now pensioners. They wouldn't have contributed at all. I bet there will be pensioners like that.

Yes, my gran was one. She only worked in her early 20s, raised her kids then ended up being a carer for my grandad who became disabled.
She was on Pension Credit.

Years ago, it was common for women to leave work once they got married.

Differentforgirls · 03/04/2026 07:00

leftyberefty · 02/04/2026 23:40

That's exactly how some benefits work too though, eg contributions based ESA and JSA.

Both of which last 6 months.

Katypp · 03/04/2026 06:45

I can never understand the vitriol towards pensioners and largesse towards benefits claimants on MN.
We never know what's round the corner for us, WE might be benefits claimants one day, so the rhetoric goes.
Yet the one demographic we will all be - hopefully - is pensioners.
I wonder if today's 30 somethings will be happy to have their income so derided when THEY are pensioners?

Coffeeandbooks88 · 03/04/2026 06:38

XenoBitch · 02/04/2026 23:47

Is it not based on a "stamp"?

I mean, people who are "paying in" to their state pension are not paying in anything for themselves. They are paying the into the pensions of the people who are claiming state pension right now.
People seem to wrongly claim that paying into their state pension is some sort of savings account that they get back when they retire. A lot of people would have not paid in enough anyway. But it does not work that way.

Someone on benefits gets their NI stamp despite not actually paying in anything, which also counts towards your state pension. This has to happen, otherwise disabled people will get to retirement age and have no income at all.

Mind you what about all the women that stayed at home with their children and have never worked since and who are now pensioners. They wouldn't have contributed at all. I bet there will be pensioners like that.

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