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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:
Lameelephant · 31/03/2026 13:27

Suncatch · 31/03/2026 13:24

An interesting point you make there. Lol

What response were you going for in linking taxes with taking about ‘the genocide’? I assumed it was a parody of an unemployed left wing person

tiptoethrutulips · 31/03/2026 13:26

eggsandsourdough · 31/03/2026 12:51

I despise these threads, people turn into monsters on them.

Everyone hates "high earners" not even sure what thats classed as anymore but i can tell you as someone i assume would be classed as a high earning household ( £150K before tax) that we arent flinging money about the place but we arent destitute either.

I consider ourselves lucky we can afford to put food on the table (aldi) we can run our (old) car and manage our household bills.

Our 3 kids can do their competitve sports which is a huge outgoing of around £300 per month.

But we cant afford to eat out, family days out need to be planned more and everything is just much more of a thought.

My income is the bulk of the household at over £100k but i pay 45% tax on that.

Its a slog.

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

It's graduated.

Suncatch · 31/03/2026 13:24

Lameelephant · 31/03/2026 13:21

LOL

An interesting point you make there. Lol

tiptoethrutulips · 31/03/2026 13:23

LookUpnotDown · 31/03/2026 12:42

They won’t all leave. That line keeps getting repeated to crush the idea. Some might, not many. Let’s face it you can up and leave as an individual it’s harder to take your assets with you.

No, they won't all up and leave. That's been a fantastic PR campaign by the wealthy for the wealthy, though, and many suckers believe it.

Much like the buses promoting the benefits of Brexit, run by the same wealthy arseholes who were only interested in protecting their bank accounts.

Lameelephant · 31/03/2026 13:21

Suncatch · 31/03/2026 13:18

The same JK Rowling who has been completely silent about the genocide?

LOL

Lameelephant · 31/03/2026 13:20

Differentforgirls · 31/03/2026 13:14

You’ve actually said yes and tried to obfuscate.

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

Suncatch · 31/03/2026 13:18

womendeserveequalhumanrights · 31/03/2026 12:52

There are plenty of shitty billionaires who avoid taxes but there are also some (JK Rowling for a start) who pay their fare share.

What is needed is tackling corruption and illegal activity across the board with prison sentence and full accountability in the public sector for stealing funds or wasting taxpayer's money. Including sackings and loss of pension.

Just increasing taxes so that those that play by the rules pay more isn't going to be enough.

Edited

The same JK Rowling who has been completely silent about the genocide?

Summerhut2025 · 31/03/2026 13:18

Differentforgirls · 31/03/2026 13:08

I think that’s too early but that’s by the by.

Surely when you decide to have a child (I know it’s not always a decision as it can be thrust upon you. Our oldest was a result of a drunken New Year party), you factor all that in though?

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.

Differentforgirls · 31/03/2026 13:17

eggsandsourdough · 31/03/2026 12:51

I despise these threads, people turn into monsters on them.

Everyone hates "high earners" not even sure what thats classed as anymore but i can tell you as someone i assume would be classed as a high earning household ( £150K before tax) that we arent flinging money about the place but we arent destitute either.

I consider ourselves lucky we can afford to put food on the table (aldi) we can run our (old) car and manage our household bills.

Our 3 kids can do their competitve sports which is a huge outgoing of around £300 per month.

But we cant afford to eat out, family days out need to be planned more and everything is just much more of a thought.

My income is the bulk of the household at over £100k but i pay 45% tax on that.

Its a slog.

I’m sure it’s graduated, so it’s not 45% on your whole income.

youalright · 31/03/2026 13:17

Mightneedencouraged · 31/03/2026 12:39

It's a lot cheaper than a standard cut and colour in any city salon. Mine is c. £200 (not in the south East). I would be miserable with ugly hair.

I don't really care what you think is reasonable and nor will anyone else. Some people get a thrill from self denial but most do not.

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

MyLuckyHelper · 31/03/2026 13:16

I haven't rtft but imagine my response will be a repeat of many others. I completely agree. I'm a single parent now, so expect to be somewhat worse off than when I was part of a marriage, but there really isn't much to get excited about. Half terms used to be days out every day years ago, now I can barely justify the fuel costs to run mine to town or to meet with friends after work. It's incredibly demoralising!

TheAmusedQuail · 31/03/2026 13:15

@BeebeeBoyle They had never had much money so didn't spend much.

This hits it directly on the head for me. I come from poverty. Regard myself as comfortable now (despite being on 1/2 of what some of those on this thread claim is struggling!). But I would no more piss £4 a day on a take-out coffee (over 1K a year if it really is daily) than I would buy a Tesla!

I'm comfortable because I always have a calculator in the back of my head, working out the best thing to do financially.

Differentforgirls · 31/03/2026 13:14

Lameelephant · 31/03/2026 12:58

Nope, stop taking so much from working people to give to non working people. It’s skewing the whole economic system and breaking the social contract. Not taking as much from someone is not giving them anything. If you gave me £20 one week and only £10 the next week, have I given you £10? Or have you given me £30? Think about it.

Edited

You’ve actually said yes and tried to obfuscate.

Lameelephant · 31/03/2026 13:14

BeebeeBoyle · 31/03/2026 13:11

It's the "bite off more than you can chew" trap.
You get used to the nice house and going on holiday but are trapped having to work very hard, usually with a significant commute, just to attempt to maintain the lifestyle. If any income is lost to inflation, redundancy, illness, many of those affected will whinge about it, or be so like Tiny Tim that it breaks your heart.
I've worked stressful and stress-free jobs and whilst the stress-free jobs were understandably far less remunerated, none of the workers had financial worries. They had never had much money so didn't spend much.
Working in a stressful job tends to breed ambition which, outside of the interest in the actual job, also means getting more money for buying nice things. And the more money you get the more you want. See also: Jeff Bezos.

The last thing we want is to breed ambition. - Labour slogan for 2029 election.

Katemax82 · 31/03/2026 13:14

Well that's awful. Sorry x

frozendaisy · 31/03/2026 13:13

If everyone starts resenting everyone else then there will be a push to more individual small state political parties, as is happening.

And we are seeing how connected we are globally, financially at least, and we are connected socially nationally as well.

If you have workers resenting benefit claimants and benefit claimants resenting workers, and add in pensioners, people with children and any other group you can think of, it will turn into the politics of envy each election and very little will improve.

Who wants to live in a society where everyone resents everyone else? We already live in a world where so many people push for everything they are, or think they are, entitled to, that it’s already reaching breaking point and the potential economic fall out of the Iran War could be the straw that breaks the camel’s back.

I hope it isn’t, but I have a feeling it’s going to be a nightmare, more of a nightmare, for a while.

widespread resentment isn’t going to solve anything.

Lameelephant · 31/03/2026 13:13

LookUpnotDown · 31/03/2026 13:06

I hope you are including the passive income from the super rich who literally earn as they sleep. That’s non working income.

Well I wasn’t, but yes I think think super rich should receive less universal credit, child benefit and housing benefit.

BeebeeBoyle · 31/03/2026 13:11

marcyhermit · 31/03/2026 09:14

Often people with high incomes who complain they're struggling also have very high spending eg on expensive houses.

It's the "bite off more than you can chew" trap.
You get used to the nice house and going on holiday but are trapped having to work very hard, usually with a significant commute, just to attempt to maintain the lifestyle. If any income is lost to inflation, redundancy, illness, many of those affected will whinge about it, or be so like Tiny Tim that it breaks your heart.
I've worked stressful and stress-free jobs and whilst the stress-free jobs were understandably far less remunerated, none of the workers had financial worries. They had never had much money so didn't spend much.
Working in a stressful job tends to breed ambition which, outside of the interest in the actual job, also means getting more money for buying nice things. And the more money you get the more you want. See also: Jeff Bezos.

pinkpalmleaves · 31/03/2026 13:10

Yep and Labour just stick their fingers in their ears! Did anyone listen to the MP they had on LBC this morning? What a joke of a human being - apparently the government are putting a website together to help us find cheaper fuel, whilst most major European countries and Australia are offering actual support! If you’re not on benefits Labour could not give a shit about how much you’re struggling! I will NEVER vote for them again!

youalright · 31/03/2026 13:10

Uptightmumma · 31/03/2026 12:19

Yep. We run our own business. Both work in it full time. 2 kids. Priced up a day out next week £55 to get in, plus petrol, packed lunch snacks etc. the kids are off for 2 weeks how is this sustainable. Paid £85 for 5 (2 adults 3 kids) to go to an event yesterday was there 2 hours and again had to pay petrol and parking!! Trip to the cinema £40 - we take our own snacks now otherwise that’s another £40.

£200 in a weekly shop, nothing major in there was about 5 bags of food ridiculous cost

New England kits £135 - no wonder people buying them off blag sites who can afford this?

Are you actually serious. This isn't struggling

Violese · 31/03/2026 13:10

If you take a look at Britains billionaires (UK citizens by wealth) the top 10 have mostly already left the UK due to high taxes. Some remain and take pride in paying full taxes here in the UK. Billionaires absolutely do leave if the feel the government are using them as cash cows. Most of the billionaires are self made. Take Denise Coates, who started bet365, James Dyson, Mr JCB, Jim Ratcliffe. All started their own companies and were successful, creating well paying UK jobs. Do we want to encourage or discourage these people and others like them to remain in the UK?

Summerhut2025 · 31/03/2026 13:09

Coffeeandbooks88 · 31/03/2026 12:57

You only get 85% off if you work, are a carer or are disabled. An able bodied parent not working won't get it.

Thanks for the update, mine is out of nursery age now thank god, so not 100% on today's rules.

Differentforgirls · 31/03/2026 13:08

Summerhut2025 · 31/03/2026 12:54

Yes everyone gets 30 free hours now from 9 months I believe which is good. But there is still fees to pay on top of that at most nurseries, it only covers just less than 3 days a week I believe, so those not able to claim benefits and work still have a nursery bill running into hundreds of pounds a month just for 1 child. Those on benefits/UC will get 85% off that bill and I think now there is only tax relief that non benefit claimers can get. Even if people aren't working they will still get 85% discount if they put their child into nursery, government sees it that they're getting an education being in nursery, which is fair enough. Ultimately they should be working when their child is in nursery though, morally, unless unable to do so due to long term illness or disability.

I think that’s too early but that’s by the by.

Surely when you decide to have a child (I know it’s not always a decision as it can be thrust upon you. Our oldest was a result of a drunken New Year party), you factor all that in though?

youalright · 31/03/2026 13:07

Summerhut2025 · 31/03/2026 12:17

85% off their child care costs too.

I have no childcare costs

LookUpnotDown · 31/03/2026 13:06

Lameelephant · 31/03/2026 12:58

Nope, stop taking so much from working people to give to non working people. It’s skewing the whole economic system and breaking the social contract. Not taking as much from someone is not giving them anything. If you gave me £20 one week and only £10 the next week, have I given you £10? Or have you given me £30? Think about it.

Edited

I hope you are including the passive income from the super rich who literally earn as they sleep. That’s non working income.

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