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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:
Summerhut2025 · 31/03/2026 14:10

Wynter25 · 31/03/2026 13:57

Actually benefits stop when you have £16000

Edited

I know, but "up to 16k" you can still receive them, you aren't poor if you have thousands saved in the bank, therefore you shouldn't need bailing out by the tax payer. The thresholds are so wrong.

Mightneedencouraged · 31/03/2026 14:08

youalright · 31/03/2026 13:17

Absolutely nothing wrong paying £200 for your hair but then don't whinge you're financially struggling because that isn't struggling

You don't seem to be able to understand what is under discussion here. It's not about who is struggling (I agree I'm currently not) it's about what happens in a society where most people are. £200 is a typical hair price for women.

Wellthisisdifficult · 31/03/2026 14:08

Kirbert2 · 31/03/2026 09:16

I never said otherwise. I'm not sure how it means I'm 'winning' though.

I guess people are saying they’re financially not any better off working than not, so where’s the incentive. If someone is in the same position without the stress, inconvenience and sweat and toil of working, the person not working is winning in comparison to those who are

Lameelephant · 31/03/2026 14:07

Kirbert2 · 31/03/2026 14:02

Not everyone can. That isn't going to magically change even with a new government, people and children will just go hungry or resort to desperate measures to feed their children instead.

It’s not magic, just economics

MyLuckyHelper · 31/03/2026 14:03

Julen7 · 31/03/2026 13:29

When the support does come through it will just be for people on benefits. Sod the rest of us.

Our local MP has made it very clear that any fuel support will not just be for those on benefits.

Kirbert2 · 31/03/2026 14:02

Lameelephant · 31/03/2026 14:00

It’s fine, I get it. It’s probably uncomfortable to admit to yourself. I’m afraid at some point though, people are in for a big shock when they have to start paying at least their own way and for their own children. It will either be the IMF after a loan or the next Government, but it’s an absolute certainty.

Not everyone can. That isn't going to magically change even with a new government, people and children will just go hungry or resort to desperate measures to feed their children instead.

eggsandsourdough · 31/03/2026 14:00

Differentforgirls · 31/03/2026 13:59

Agree! There’s times where I wonder how people get these high paying jobs but can’t grasp simple concepts. It’s frightening actually. A cleaner in a school is more aware of the tax system than the martyrs on here who think they actually pay 45% tax on every penny they earn. No wonder we’re fucked.

Have literally replied twice to this comment and explained further!

Lameelephant · 31/03/2026 14:00

Differentforgirls · 31/03/2026 13:48

Lost interest. Sorry!

It’s fine, I get it. It’s probably uncomfortable to admit to yourself. I’m afraid at some point though, people are in for a big shock when they have to start paying at least their own way and for their own children. It will either be the IMF after a loan or the next Government, but it’s an absolute certainty.

Differentforgirls · 31/03/2026 13:59

tiptoethrutulips · 31/03/2026 13:26

You don't pay 45% tax on your entire income.

It's graduated.

Agree! There’s times where I wonder how people get these high paying jobs but can’t grasp simple concepts. It’s frightening actually. A cleaner in a school is more aware of the tax system than the martyrs on here who think they actually pay 45% tax on every penny they earn. No wonder we’re fucked.

Lordofmyflies · 31/03/2026 13:58

Yep! Both DH and I are now working more hours than ever - easily 60hrs a week each to cope with the increase in the cost of living. We are lucky that we have the ability and health to do so but it is making us tired and resentful that we are in a worse financial situation now than 10 years ago.
We no longer buy lunches, coffees out. Dinner out is birthdays only. Cinema is once a year, theatre also slashed. We no longer replace our cars and rarely go out to attractions which cost money. We are fortunate in that we can afford a holiday and to help our DC at Uni but its not where I thought I would be.

psuedocream3 · 31/03/2026 13:58

Alot of people who are struggling, are struggling because they have high debt repayments.

Wynter25 · 31/03/2026 13:57

Summerhut2025 · 31/03/2026 11:29

Yes I agree.

It's the fact that they allow people to have to up to 16k in savings and then collect benefits from the tax payer when they have more than enough to fund themselves, is what I have the issue with. I have no issues with people claiming benefits who need it, if they have even a quarter of 16k, they still aren't poor.

Actually benefits stop when you have £16000

Crikeyalmighty · 31/03/2026 13:56

Frugalgal · 31/03/2026 13:33

It's not Labour's fault the Tories wrecked the economy over 14 years. They do it every time people are stupid enough to keep voting them into power and Labour are left to clear up their mess, getting nothing but abuse for it.

@Frugalgal totally agree - privatising utilities, initiating selling off social housing, Brexit , allowing any Tom dick and Harry to get huge buy to let mortgages, - most shitty things started under the Tory’s and are a huge part of the underlying issues the country has - reversing any of these is not easy due to contractual or political reasoning due to the first past the post political system we have making sensible long term planning nigh on impossible - we have been looking at moving back to the EU again after having 2020 to 2022 in Copenhagen - it’s very interesting how different tax and spend systems work - in Copenhagen it was high tax but high standards and lots covered off, no council tax, cheap childcare, lots more social housing ( if Danish) and not just for the desparately in need either - in Netherlands it’s high housing costs and higher tax, reasonably high standards, but not as high as Denmark - but mandatory pay in health care at around £160 a month plus co payments up to £320 a year and childcare cheaper than UK but nowhere near as cheap as Denmark - Germany has more middling level tax if a low earner or middle earner but quite high mandatory pay in healthcare ( around £400 a month) but employer pays part and if you are self employed you can offset it .they also have compulsory long term care tax /insurance of around 3% - like the uk though they have a high tax free allowance - similar to UKs. Again childcare cheaper than UK but not as cheap as Denmark ( or Sweden) they also have quite a high payment to mothers for child allowance - much higher than uk . If I can just mention about pensions too - people go on about pensions being really high elsewhere - they really are not -maybe work ones are but state ones aren’t much different to the UK in most of these places.

eggsandsourdough · 31/03/2026 13:51

Fundays12 · 31/03/2026 13:47

I totally understand and sports is fantastic for children and young people and probably should be affordable to all.

I agree with this, I was trustee to one of the sports club and we had set up a relief fund for parents that couldnt afford or struggled with payments.

My DDs best friend in the sport ( and hugely talented) her parents couldnt afford to increase the hours required for her to compete at national level and this was covered until they did manage.

Some would say what we do is a luxury, and right now yes i agree it is, BUT it shouldnt be.

Lameelephant · 31/03/2026 13:51

midgetastic · 31/03/2026 13:46

The party who has had power for most of my lifetime - yes I blame them not labour

the party that fucked the housing market with the council home sell off - selling our assets at a knock off rate ro win a few votes - yes I blame them not Labour

yhe party that gave us Brexit and austerity, the party that puts big business and rich guys before people - yes o blame them not Labour

How long before you’d consider questioning the decisions of a current government?

NobodysChildNow · 31/03/2026 13:51

Violese · 31/03/2026 13:44

How much tax do you think they should pay? How much is enough?

well, I inherited money from my mum. I invested wisely some years ago and earned £15k that year. I paid 40% of it in tax - and very happy to do so.

The next year the same asset earned only £5k for various reasons. Happy to again pay my 40%

But literally I did NOTHING to earn that money - it took me 15 minutes on my phone , and an accident of my birth and the misfortune of my mum passing away.

We then decided to spend some of the money - solar panels, a second hand car (big investment but cheaper to run), insulated the loft.

We are so lucky - so very lucky - to have money to invest. I don’t begrudge paying tax when I’ve done absolutely nothing to earn it whatsoever.

If the government didn’t waste so much money I’d be happy if my tax on investments was 60% I’d still be happy - I have capital, and growth and the country needs the money more than I do.

But then again - I have worked my arse off the years, I’m a grafter. I see a lot of lazy self-entitled people moaning amongst the worthy workers. And I see a government that is incompetent and wasteful. I begrudge paying more tax for people to sit at home on “mental health” when what they often need is a kick up the backside (had a colleague recently take a week off stressed because her family dog died - she didn’t even live with the dog!)

Differentforgirls · 31/03/2026 13:48

Lameelephant · 31/03/2026 13:20

Hmm, I’ve just illustrated with an example to help you understand the entitlement issue. I’ll try again, If a mugger demands £15 from you because he says he needs it and you only give him £10. Have you stolen £5 from the mugger for yourself? Try and see it from a view other than being entitled to other families money. Picture yourself in the shoes of a net tax payer working 50 hours a week

Lost interest. Sorry!

Fundays12 · 31/03/2026 13:47

eggsandsourdough · 31/03/2026 12:58

It is alot, of course it was one of these things that have evolved over time as the children have become better and started competing etc.

I totally understand and sports is fantastic for children and young people and probably should be affordable to all.

midgetastic · 31/03/2026 13:46

Lameelephant · 31/03/2026 13:44

Oh don’t we all know it’s never Labour’s fault. At least Labour are gone for good this time.

The party who has had power for most of my lifetime - yes I blame them not labour

the party that fucked the housing market with the council home sell off - selling our assets at a knock off rate ro win a few votes - yes I blame them not Labour

yhe party that gave us Brexit and austerity, the party that puts big business and rich guys before people - yes o blame them not Labour

Lameelephant · 31/03/2026 13:46

WanderingWellies · 31/03/2026 13:43

Ah yes, let’s blame the Labour government of less than two years and not the failed austerity, Brexit lies and economic mismanagement of the party in power for the previous 14 years. Because OBVIOUSLY it’s the VAT on school fees that’s the issue.

How long before we can blame Labour?

Differentforgirls · 31/03/2026 13:46

Summerhut2025 · 31/03/2026 13:18

Yes, most do. Not complaining about child care fees, if you want your child looking after, you have to pay. I was just replying to a poster who was listing all the other benefits that people get and I added the 85% discount off child care costs as an added benefit that they receive.

Fair enough 😊

Terfymcnamechange · 31/03/2026 13:46

This reply has been deleted

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DreamyScroller · 31/03/2026 13:45

Starlight1979 · 31/03/2026 09:13

Well that's what benefits are for.... To cover the necessities....

Well she's not saying otherwise, only that it's hardly a 'winning' position as was previously suggested

Violese · 31/03/2026 13:44

LookUpnotDown · 31/03/2026 13:41

Not enough.

How much tax do you think they should pay? How much is enough?

Lameelephant · 31/03/2026 13:44

Frugalgal · 31/03/2026 13:33

It's not Labour's fault the Tories wrecked the economy over 14 years. They do it every time people are stupid enough to keep voting them into power and Labour are left to clear up their mess, getting nothing but abuse for it.

Oh don’t we all know it’s never Labour’s fault. At least Labour are gone for good this time.