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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:
TracyLords · 01/04/2026 13:43

Differentforgirls · 01/04/2026 09:03

I have more than that in the bank, but I am entitled to 6 months contributions based JSA.

The £6000 - £16000 savings limits are for means tested benefits.

If I needed PIP, it’s again not means tested so could have as much savings as I want.

People forget that PIP isn’t means tested.

So, you’re entitled to £90 a week for 26 weeks. After years of paying into the system. Meanwhile Sarah who didn’t bother to save or buy a house can claim full UC including housing allowance for as long as she needs

Arraminta · 01/04/2026 13:42

DrMorbius · 31/03/2026 09:39

Seems like the majority on here struggling, live in London.
DS1 spent 15 years in London (University and after) had a great time, then "came home North". He now says the quantity of his life has massively improved.

Yep. DD2 had the option of being London based for her forthcoming graduate role in Finance. But she's super savvy with money and actively opted to move North because she knows she'll get far, far more for her money.

She's on target to buy a 2 bed apartment next year and rent out the second bedroom which will pay most of her mortgage. Everything, food, drink, socialising and transport is much cheaper. Though she will only have a 15 minute commute into the office anyway.

London really, really isn't the only option.

Differentforgirls · 01/04/2026 13:42

TracyLords · 01/04/2026 13:36

Including the housing allowance, child benefit, Scottish poverty payment and all th other random payments / free dinners etc it comes to around £2k a month.

Her landlord will be getting the housing allowance.

Kirbert2 · 01/04/2026 13:41

TracyLords · 01/04/2026 13:32

Because every second person is neurodivergent these days. And amongst some groups of people, claiming PIP for wee Danny with autism or adhd is a way of getting money

How is wee Danny getting PIP?

frozendaisy · 01/04/2026 13:39

Uptightmumma · 01/04/2026 13:23

Trained coaches absolutely should be paid well. And my son the same constantly with a ball at his feet. One of the dads of the kid he plays with is coach and does the coaching and managing for free, he argues that without volunteers grassroots football would collapse. The £50 we pay is to pay for league fees, and pitch hire etc. my son is 9 he gets an hour of training and a game a week.

i just think the cost of everything is ridiculous and we are on a race to the bottom!!

We pay league fees on top for the same. Not sure how much his dad covers that, my £50 is for extra academy training. So possibly £100 a month.
Plus boots, shin pads, winter and summer skins, gloves, balls and posts at home. (Although he gets a fair bit of this for presents).

But what to do? Pitches need lights and maintenance, their costs have gone up, you need registration and for coaches to be DBS checked, insurance and first aid covered.

It’s still on the cheaper side of extra activities. For what you get, because, as you say, there is a huge amount of volunteering involved. (Much thanks to all who do that).

Children are expensive. Life is expensive but children are even more than that. But this is why we work surely?

We’ve got one into Warhammer! Football costs are nothing compared to that.

Lameelephant · 01/04/2026 13:38

XenoBitch · 01/04/2026 13:33

I think you meant to put that into Google.

I did, number one reason is ‘broader definition of disability’. I was just trying to ‘teach a man to fish’ or a Labour supporter to think.

TracyLords · 01/04/2026 13:36

Differentforgirls · 01/04/2026 13:11

How is she getting 24k?

Including the housing allowance, child benefit, Scottish poverty payment and all th other random payments / free dinners etc it comes to around £2k a month.

TracyLords · 01/04/2026 13:34

youalright · 01/04/2026 12:33

Yes but thats within the 30k yearly income, I'm not just counting mine and dp wages

That means that at least one (or both) of you are working part time: is the £30k the amount per year after taxes.

XenoBitch · 01/04/2026 13:33

Lameelephant · 01/04/2026 13:30

Why are the number of disabled people per capita increasing ?

I think you meant to put that into Google.

Differentforgirls · 01/04/2026 13:33

Violese · 01/04/2026 13:00

Pensions are a benefit. Just like any other benefit. Read the legislation behind it. There is no difference between pensions and any other benefit. Such a common misperception, made because so many pensioners have a thing about claiming benefits.

A contributory benefit.

TracyLords · 01/04/2026 13:32

Lameelephant · 01/04/2026 13:30

Why are the number of disabled people per capita increasing ?

Because every second person is neurodivergent these days. And amongst some groups of people, claiming PIP for wee Danny with autism or adhd is a way of getting money

XenoBitch · 01/04/2026 13:32

TracyLords · 01/04/2026 13:30

this Is part of the problem! Some people are savers, and don’t spend every last penny, so keep some money aside for a rainy day.

whereas others spend every last penny on fripperies, and then they get benefits .

You can still claim benefits with savings. Just not if you have over £16k.
You are making it sound like people spend every penny they can so they can claim something. That is simply not true.

Lameelephant · 01/04/2026 13:30

XenoBitch · 01/04/2026 13:25

No, they just don't employ them to start with.
But it is easier to blame disabled people for being unemployed, isn't it.

Why are the number of disabled people per capita increasing ?

TracyLords · 01/04/2026 13:30

Summerhut2025 · 31/03/2026 11:16

It's not short sighted at all. If you have up to £16k in the bank, you are not poor. You should not be claiming any money from the tax payer. The policy is wrong. I have no issues whatsoever with people in need being helped and contributing to benefits, I hate to see people homeless on the streets and always try to find a few quid to help those more in need. But anyone with savings does not need propped up by the tax payer, if they have savings in the bank, they are not poor and in need.

this Is part of the problem! Some people are savers, and don’t spend every last penny, so keep some money aside for a rainy day.

whereas others spend every last penny on fripperies, and then they get benefits .

Kirbert2 · 01/04/2026 13:27

hattie43 · 01/04/2026 13:23

They legally have to make adaptations

Only if they hire them in the first place and why would they when they can hire someone else who doesn't need adaptations or who won't need to take regular time off for their child's appointments?

That's part of the problem.

XenoBitch · 01/04/2026 13:25

hattie43 · 01/04/2026 13:23

They legally have to make adaptations

No, they just don't employ them to start with.
But it is easier to blame disabled people for being unemployed, isn't it.

hattie43 · 01/04/2026 13:23

XenoBitch · 01/04/2026 13:09

If you don't see any disabled people in your office now, I would say that is down to your employers. But it is easier to blame disabled people for being unemployed.
Employers don't want to spend money on adaptions, or risk taking on someone who might need a lot of time off.

They legally have to make adaptations

Uptightmumma · 01/04/2026 13:23

frozendaisy · 01/04/2026 09:04

One of our teens has football training £50 a month, that’s for 4 hours a week, 4 weeks a month, so £3 an hour, That’s not so bad.

We pay extra for his grassroots team.

These are all non-compulsory costs I mean he can and does take a ball to the park as well, that’s free. Not sure why trained coaches shouldn’t be paid quite well.

Trained coaches absolutely should be paid well. And my son the same constantly with a ball at his feet. One of the dads of the kid he plays with is coach and does the coaching and managing for free, he argues that without volunteers grassroots football would collapse. The £50 we pay is to pay for league fees, and pitch hire etc. my son is 9 he gets an hour of training and a game a week.

i just think the cost of everything is ridiculous and we are on a race to the bottom!!

VeterinaryCareAssistant · 01/04/2026 13:20

Summerhut2025 · 31/03/2026 10:24

Oh how terrible for them penalised by £4.35 per month because they’ve managed to have savings collecting money from the tax payer. It’s an absolute joke.

You do know people can be in receipt of UC and still pay tax...

Lameelephant · 01/04/2026 13:18

glitterpaperchain · 01/04/2026 12:23

Just because you don't understand the argument doesn't mean it's not there

What actually is your argument?

You started off saying income taxes such as dividend tax wouldn’t increase unemployment, I’ve explained how it does increase unemployment. You then began the usual conflating high income tax payers with billionaires and the ‘elite’, claimed billionaires are increasing and the old ‘you don’t care about poor people’ and immorality argument. Then a few posts claiming income taxes are wealth taxes. You’ve declined any questions to quantify the people should pay ‘more’ tax , what they pay now and how much ‘more’.

From what I can gather, your ‘argument’ is more tax for anyone else but you. More ‘free stuff’ as long as you are not a net tax payer. This is just bog standard Labour ideology and the consequences are playing clearly out on the UK economy as we speak.

Kirbert2 · 01/04/2026 13:14

Katypp · 01/04/2026 13:07

In my world, yes. The threshold should be for everyone. It is very unfair that someone on a low wage is taxed, and someone who gets most types of benefit isn't.
It's the same money and has to buy the same things.
I can think of no justification why someone earning £13,000 is taxed and someone getting the same amount in benefits isn't.
Can you?

Being disabled is unfair
Having a disabled child is unfair

The reason things like DLA exist in the first place is because it is well known that disability carries extra expenses.

I don't believe disabled people or carers with disabled children should be punished further when it is through no fault of theirs that they are unable to work.

XenoBitch · 01/04/2026 13:11

Kirbert2 · 01/04/2026 13:08

What other choice do I have, exactly? If I don't care for my disabled child then the state would have to which would certainly cost more than what I currently get in benefits.

Exactly.
They also don't realise that it is far more than being about money. If you are a full time carer, you are not working and building up a career, pension etc. It also comes at a personal cost to you.

Differentforgirls · 01/04/2026 13:11

TracyLords · 01/04/2026 12:23

We have a decent joint income (just under 6 figures), but was just thinking last night that I feel a lot poorer than we did a few years ago. Increased costs (food, mortgage) and then paying for tuition for DD means that lately we’re having to really budget our money more carefully. We are not on the breadline, or anything: just having to manage a lot more carefully than in the past.

Council tax over £300 a month gives me the rage: so many people don’t pay it at all, or pay a lot less, yet we still get a really shitty service.

a friend is unemployed and not looking for work as the effort involved in working, childcare etc isn’t worth the extra money she’d get by working. But this means tht she’s taking circa £24k from the tax payer every year instead of working and paying tax.

How is she getting 24k?

XenoBitch · 01/04/2026 13:09

hattie43 · 01/04/2026 13:05

That fluffiness is for the fairies . It’s survival of the fittest now in this country . If working people no longer see value in going to work where do we end up then . This Labour government needs outing and someone else coming in needs to make work pay . When people work and can’t even afford a pizza on a Friday evening we’re in trouble . Going to work these days means paying for an over burdened welfare state whilst we have no defence , shitty roads , shitty health service shitty education and nothing works .
The welfare state needs disbanding and the only state help should be for those who are completely disabled . Companies and businesses should not be paying such low wages the state needs to top them up . If they are they need to revisit their business model . I also think there’s a world of difference between someone being so disabled they cannot do anything and today where any affliction means all types of work is ruled out . When I starting working there were 3 disabled people in my office , a blind lady ran the telephone lines and reception , a Learning disabled man worked in the post room and a veteran with one leg became an office manager . I can’t in later years remember working with anyone disabled .

If you don't see any disabled people in your office now, I would say that is down to your employers. But it is easier to blame disabled people for being unemployed.
Employers don't want to spend money on adaptions, or risk taking on someone who might need a lot of time off.

TracyLords · 01/04/2026 13:09

Sux2buthen · 31/03/2026 10:31

I’m ’benefit People’ (to quote an earlier post)
lone parent, two jobs and still not enough to survive so receive a top up.
Have to rent and cannot afford to drive; I assure you we are not ‘winning’
The resentment that oozes towards those with considerably less is pathetic.

I don’t think you’re the one the annoyance is aimed at. It’s the ones who don’t work

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