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AIBU?

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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:
80smonster · 01/04/2026 11:25

I would like to see benefits taxed so that everyone, absolutely everyone, is making a contribution to HMRC. Taxation is for the many not the few. I find it laughable that everyone thought Labour would tax someone else, hopeful - verging on stupidity.

Lameelephant · 01/04/2026 11:24

glitterpaperchain · 01/04/2026 11:20

I mean it's not either income tax or wealth tax, there are many ways to tax wealth.

Dividends are a type of income but it's very different to the tax you pay on your wages. They are taxed much lower and I don't see why working people should be paying more tax on their wages than wealthy people pay on their dividends.

I mean it is obviously is either an income or a wealth tax. Which are you discussing ? Would it be one you don’t pay by any chance?

Scottishdreams · 01/04/2026 11:24

Kirbert2 · 01/04/2026 09:52

Do you think that's the only way to be permanently knackered?

I have a disabled child. I can assure you that I am far from well rested just because I can't work.

Quite. I am also a parent of a disabled child who has complex needs. The exhaustion I experience is on an other level to when I worked and had children. I would attach a photo of the damage he did to my hand during a meltdown yesterday but it is too gruesome. There is increasing evidence that carers experience ‘carer trauma’.

‘Caregiver trauma refers to a state of mental, emotional, and physical exhaustion experienced by caregivers, often due to high-stress situations or dealing with severely ill patients. It can lead to adverse outcomes like depression, anxiety, PTSD, and burnout. Lack of support and preparation amplifies this trauma.’

It is galling to be looked down on as a burden to society when this is not the life I had planned, and only ever planned to be a contributor. I haven’t had a holiday for several years due to my son’s disability and am unlikely to have one for many years. I chose to have a child and with that comes the risk that the child may have a disability, just as it means lifestyle may have to change for a bit even if you have a ‘typical’ child. At least it is temporary, it is permanent and lifelong for many ‘winners’ like us.

Lameelephant · 01/04/2026 11:22

Julen7 · 01/04/2026 11:17

Completely all over the place.

It’s always the same. Their ideology doesn’t hold up against the slightest scrutiny using basic facts.

glitterpaperchain · 01/04/2026 11:20

Lameelephant · 01/04/2026 11:18

Yes, that is an income tax 🙄

I mean it's not either income tax or wealth tax, there are many ways to tax wealth.

Dividends are a type of income but it's very different to the tax you pay on your wages. They are taxed much lower and I don't see why working people should be paying more tax on their wages than wealthy people pay on their dividends.

Lameelephant · 01/04/2026 11:18

glitterpaperchain · 01/04/2026 11:16

I've never talked about increasing income tax

A specific example I gave was increasing tax on dividends

Yes, that is an income tax 🙄

Julen7 · 01/04/2026 11:17

Lameelephant · 01/04/2026 11:16

You stared off arguing that income tax increases couldn’t increase unemployment and once presented with facts, you seem to now be attempting to obfuscate the argument with a wealth tax on the ‘elites’.

Completely all over the place.

glitterpaperchain · 01/04/2026 11:16

Lameelephant · 01/04/2026 11:16

You stared off arguing that income tax increases couldn’t increase unemployment and once presented with facts, you seem to now be attempting to obfuscate the argument with a wealth tax on the ‘elites’.

I've never talked about increasing income tax

A specific example I gave was increasing tax on dividends

Lameelephant · 01/04/2026 11:16

glitterpaperchain · 01/04/2026 11:09

Eh?

You stared off arguing that income tax increases couldn’t increase unemployment and once presented with facts, you seem to now be attempting to obfuscate the argument with a wealth tax on the ‘elites’.

glitterpaperchain · 01/04/2026 11:09

Lameelephant · 01/04/2026 11:08

Have you moved over into wealth tax from income tax now ?

Eh?

Lameelephant · 01/04/2026 11:08

glitterpaperchain · 01/04/2026 10:56

No, When I talk about ultra wealthy I'm not talking about people on 70k, 100k, even 200k. The ultra wealthy is an elite class of people above most of us.

It happens so often on mumsnet people talk about wealth tax and someone comes along with their 70k going 'I'm not paying more taxes!!!' Wasn't talking about you!

I call people booklickers when they act like bootlickers. If someone wants to increase wealth taxes then I wouldn't call them a bootlicker because they're not acting like it. If it quacks like a duck...

Have you moved over into wealth tax from income tax now ?

glitterpaperchain · 01/04/2026 10:56

Lameelephant · 01/04/2026 10:51

You only call people bootlickers who defend the wealthy, oppose taxing them more?. Can you tell me your definition of wealthy? How much tax they currently pay and how much more you’d want them to pay?

The top 10% starting at £70k pay 60% of income tax, again you are going to have to define what an ‘ordinary working person’ is and a ‘wealthy’ person. A wealthy person wouldn’t be anyone earning more that you would it by any chance?

No, When I talk about ultra wealthy I'm not talking about people on 70k, 100k, even 200k. The ultra wealthy is an elite class of people above most of us.

It happens so often on mumsnet people talk about wealth tax and someone comes along with their 70k going 'I'm not paying more taxes!!!' Wasn't talking about you!

I call people booklickers when they act like bootlickers. If someone wants to increase wealth taxes then I wouldn't call them a bootlicker because they're not acting like it. If it quacks like a duck...

youalright · 01/04/2026 10:54

Julen7 · 01/04/2026 10:50

Working people have had it up to here and have been completely shafted by this govt, why should they be “nice”?

So you are mad at the government so you are going to take it on the disabled, elderly and people working minimum wage jobs

glitterpaperchain · 01/04/2026 10:53

Julen7 · 01/04/2026 10:50

Working people have had it up to here and have been completely shafted by this govt, why should they be “nice”?

They've been shafted by the government so it's ok to spout hatred at poor people?

Why should people be nice? Maybe because in difficult times community is all we can cling onto? Would be good if people came together, supported each other, rather than turned against each other. I don't know how to explain why you should be a nice person

Lameelephant · 01/04/2026 10:51

glitterpaperchain · 01/04/2026 10:44

Not sure if it's wilful ignorance or genuine here?

you called the people who subsidise you ‘bootlickers’ simply because they pay more tax into the system than they take out

This is wrong in many ways. I didn't call people who pay taxes bootlickers, I was referring to those who do all they can to defend the wealthy, oppose taxing them more, essentially do their bidding.

And top 10% does start a 70k, but the maths shows that in terms of actual monetary contribution, ordinary working people are not paying more than the wealthy.

You only call people bootlickers who defend the wealthy, oppose taxing them more?. Can you tell me your definition of wealthy? How much tax they currently pay and how much more you’d want them to pay?

The top 10% starting at £70k pay 60% of income tax, again you are going to have to define what an ‘ordinary working person’ is and a ‘wealthy’ person. A wealthy person wouldn’t be anyone earning more that you would it by any chance?

Julen7 · 01/04/2026 10:50

glitterpaperchain · 01/04/2026 10:27

I mean the majority of the taxes are paid by the wealthy, not by normal working people. And I don't have sympathy for them (the ultra rich). I think the ultra rich and businesses with huge profits should pay more to ease the burden on normal working people.

This is the issue. I think most can agree that everyday working families are stretched too thin. But we disagree on how to solve the issue. Some people think the people at the top who are exploiting and profiting from everyone are to blame. Others think it's lazy poor people.

You can talk about moral superiority but I do think there's a bit of a moral issue here. Why are so many people so ready to not only blame the people already at the bottom, but spout such utter vitriol and hatred? I think it doesn't make for a very nice society to behave like that.

Working people have had it up to here and have been completely shafted by this govt, why should they be “nice”?

glitterpaperchain · 01/04/2026 10:44

Lameelephant · 01/04/2026 10:39

Nope, the majority of income taxes are paid by the top 10% which starts at around £70k.

‘but spout such utter vitriol and hatred’
Nobody has done that on this thread as far as I can see with exception of when you called the people who subsidise you ‘bootlickers’ simply because they pay more tax into the system than they take out. If it’s moral issue, then it’s the people paying for their own families and subsidising others who have the moral high ground. If it’s an economic issue, then the people paying for their own families and subsidising others who are aiding the economy. Your sympathy is irrelevant, it’s common sense that people are looking for.

Not sure if it's wilful ignorance or genuine here?

you called the people who subsidise you ‘bootlickers’ simply because they pay more tax into the system than they take out

This is wrong in many ways. I didn't call people who pay taxes bootlickers, I was referring to those who do all they can to defend the wealthy, oppose taxing them more, essentially do their bidding.

And top 10% does start a 70k, but the maths shows that in terms of actual monetary contribution, ordinary working people are not paying more than the wealthy.

Lameelephant · 01/04/2026 10:39

glitterpaperchain · 01/04/2026 10:27

I mean the majority of the taxes are paid by the wealthy, not by normal working people. And I don't have sympathy for them (the ultra rich). I think the ultra rich and businesses with huge profits should pay more to ease the burden on normal working people.

This is the issue. I think most can agree that everyday working families are stretched too thin. But we disagree on how to solve the issue. Some people think the people at the top who are exploiting and profiting from everyone are to blame. Others think it's lazy poor people.

You can talk about moral superiority but I do think there's a bit of a moral issue here. Why are so many people so ready to not only blame the people already at the bottom, but spout such utter vitriol and hatred? I think it doesn't make for a very nice society to behave like that.

Nope, the majority of income taxes are paid by the top 10% which starts at around £70k.

‘but spout such utter vitriol and hatred’
Nobody has done that on this thread as far as I can see with exception of when you called the people who subsidise you ‘bootlickers’ simply because they pay more tax into the system than they take out. If it’s moral issue, then it’s the people paying for their own families and subsidising others who have the moral high ground. If it’s an economic issue, then the people paying for their own families and subsidising others who are aiding the economy. Your sympathy is irrelevant, it’s common sense that people are looking for.

Crikeyalmighty · 01/04/2026 10:32

@frozendaisy indeed - I and many others predicted post the Brexit deal that plenty of the very people that voted for it would be the ones moaning about the consequences- a lack of large investment- you’ve got a factory to build that has products needing export, not just uk centric, woukd you build here? Of course you wouldn’t, you would build were the barriers to export were a lot lower and where you could probably get good grants - we simply gave a lot of good business to competitors over the channel on a plate. We are not the USA, they have a large enough domestic market, as big as the EU.Sovereignty and flag waving doesn’t pay bills or create better paid jobs or stop import costs . It’s global world whether people like it or not and creating barriers just shoots yourself in the face. Dont forget by the way that according to Farage and Rees Mogg everything was going to be cheaper by now- they mentally live in the 50s -a world of the commonwealth mattering and Britannia rules the waves - it simply doesn’t .

glitterpaperchain · 01/04/2026 10:27

Lameelephant · 01/04/2026 10:17

Well empathy work both ways. Most people who say things like this are just only thinking of their own situation and self interest, they are paying about £3-5k tax per , they simply don’t realise or care that they cost the state £13k per year (on average per person) and someone else is making up that £8k. The empathy stops at the people paying this, who sacrifice time with their families, endure long hours and are now saying the burden is too much …in fact the ‘empathy’ oddly turns into animosity with comments like boot lickers.

I mean the majority of the taxes are paid by the wealthy, not by normal working people. And I don't have sympathy for them (the ultra rich). I think the ultra rich and businesses with huge profits should pay more to ease the burden on normal working people.

This is the issue. I think most can agree that everyday working families are stretched too thin. But we disagree on how to solve the issue. Some people think the people at the top who are exploiting and profiting from everyone are to blame. Others think it's lazy poor people.

You can talk about moral superiority but I do think there's a bit of a moral issue here. Why are so many people so ready to not only blame the people already at the bottom, but spout such utter vitriol and hatred? I think it doesn't make for a very nice society to behave like that.

Differentforgirls · 01/04/2026 10:27

Ted27 · 01/04/2026 10:23

@Differentforgirls

Thats fine. You qualify, I don't.

You posted that everyone is eligible. Which is clearly incorrect

I was helping another poster. It’s a given that if you’re claiming JOB SEEKERS Allowance you should be seeking work!

Differentforgirls · 01/04/2026 10:26

Lameelephant · 01/04/2026 10:22

Sorry, I’ve lost interest.

Just shows you shouldn’t judge someone because of your imagination rather than facts 👍

Ted27 · 01/04/2026 10:23

@Differentforgirls

Thats fine. You qualify, I don't.

You posted that everyone is eligible. Which is clearly incorrect

Lameelephant · 01/04/2026 10:22

Differentforgirls · 01/04/2026 10:18

Still waiting for you to tell me what I should feel shame for.

Sorry, I’ve lost interest.

Differentforgirls · 01/04/2026 10:18

Lameelephant · 01/04/2026 10:17

Well empathy work both ways. Most people who say things like this are just only thinking of their own situation and self interest, they are paying about £3-5k tax per , they simply don’t realise or care that they cost the state £13k per year (on average per person) and someone else is making up that £8k. The empathy stops at the people paying this, who sacrifice time with their families, endure long hours and are now saying the burden is too much …in fact the ‘empathy’ oddly turns into animosity with comments like boot lickers.

Still waiting for you to tell me what I should feel shame for.

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