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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To be shocked when adults have absolutely no savings at all?

482 replies

ThisJollyReader · 05/04/2026 17:19

I’m going to be honest, I find it quite hard to understand when adults have no savings at all. Not even £100 put away. I’m not talking about people going through a temporary rough patch but just having nothing set aside whatsoever. Personally, I try to keep around £10k as a buffer (I know everyone’s situation is different), but even putting that aside, I would still feel uncomfortable having nothing at all.

AIBU to feel like having at least something put away is important or am I being too harsh?

OP posts:
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SoSadSoSadSoSad · 08/04/2026 13:15

StMarie4me · 07/04/2026 07:54

Borrowed from Peter to pay Paul most of my adult life due to a feckless husband who ran off and paid no maintenance. When I was digging down the sofa for a £1coin for milk with 4 children to raise, working full time in a career curtailed by childcare, how dyes OP think I should have saved up? Do tell, OP, do tell.

PS you’d have LOVED him; he ran off with a rich woman with plenty of savings. Left us papers. But your only have been the same as society. Look down on me, the Parent who stayed, and admired his house and car.

Christ. So hard. Do your dcs see him?

NotThisShitAgain121 · 07/04/2026 11:50

I think you are being very judgemental and what the hell has it got to do with you anyway? You do not know the persons's situation so do not judge and it none of your business anyway!

99problems99 · 07/04/2026 10:08

ThisJollyReader · 05/04/2026 17:19

I’m going to be honest, I find it quite hard to understand when adults have no savings at all. Not even £100 put away. I’m not talking about people going through a temporary rough patch but just having nothing set aside whatsoever. Personally, I try to keep around £10k as a buffer (I know everyone’s situation is different), but even putting that aside, I would still feel uncomfortable having nothing at all.

AIBU to feel like having at least something put away is important or am I being too harsh?

How lovely it must be up there on your high horse. Im 38, 2 kids, married and rent my house. We literally live month to month and rarely have any disposable income for anything like holidays or treats. We both work full time, our jobs aren’t high paying sadly but we trained in what we enjoyed. If we had an emergency like our car failed we would be walking sadly. Or I’d borrow my mums car. YABU to assume everyone is able
to have £10k as a buffer! I’d like £10 as a buffer tbh. Ha

Rottweilermummy · 07/04/2026 08:12

You sound like one of my sisters 🙄 i Was bought up learning to save but since having a family and various house moves 1st husband passing away quilte young (no insurance) been impossible to save , moved last year to a doer upper tried desperately to put aside some money in savings but with various issues with car etc finding it impossible not to touch them .
Not fair to judge people for not saving, and to have a 10k buffer, lucky you.

StMarie4me · 07/04/2026 07:54

Borrowed from Peter to pay Paul most of my adult life due to a feckless husband who ran off and paid no maintenance. When I was digging down the sofa for a £1coin for milk with 4 children to raise, working full time in a career curtailed by childcare, how dyes OP think I should have saved up? Do tell, OP, do tell.

PS you’d have LOVED him; he ran off with a rich woman with plenty of savings. Left us papers. But your only have been the same as society. Look down on me, the Parent who stayed, and admired his house and car.

PeonyPatch · 07/04/2026 07:43

It’s just a bashing thread really. I’m not in receipt of benefits, but we are in the squeezed middle and live month to month. Because everything has gone up, it’s tight. We now only have one car. We want to sell our house and downsize but we need to save up for moving costs first. It’s hard.

Mykneesareshot · 07/04/2026 07:28

No savings here, trying to clear two credit cards (not massive debt but I'm on minimum wage so may take a while). Partner and I live month to month and yes I hate that.

mrshiddleston69 · 06/04/2026 23:34

Well maybe I can explain. Work full time with x2 DC. Aged below 13. Earn slightly below £2500. Have a masters degree. I have a mortgage on a 3 bed house live alone with DC. When you factor in bills, food, small really cheap car ,1 paid club for each DC- there’s not much left. Have a savings account try to put away £50 a month but last week comes and we have no food- so food bank or dip into the ‘savings’?. I think others need it more so savings it is. We go away once a year for x5 days somewhere cheap like Spain on one of those pay in installments deals. I don’t upgrade furniture- Ild love to- I have a gym membership- cheap council one just As a treat to myself. Worry about money constantly. I would love to bf in a position where I can put away a £100 every month. I have budgeted and rebudgeted and still it’s really tough on that income. You should be thankful you’re in that position

Blueshoey484 · 06/04/2026 22:31

I'm just about to have a glass of wine that someone else's taxes paid for - but I paid mine for over 25 years.

SENcatsandfish · 06/04/2026 22:31

XenoBitch · 06/04/2026 22:17

Are maggots allowed? Or will I be told to eat them instead?

Hmmmm im not sure because you would be taking the maggots food source? But maybe we should be chasing after roadkill for our dinner.

I personally didnt get the leaflet on steak allowance with my benefits so I cant really advise 🤣

As a fellow benefits bum, Enjoy your steak. Im petty so I actually bought steak in my shopping that week after the thread 🤣

Blueshoey484 · 06/04/2026 22:29

SENcatsandfish · 06/04/2026 22:06

There was a thread on here recently where some people were saying people on benefits shouldn't be allowed to buy and eat steak. Us benefits people should be just about surviving on bread and water apparently

Vegan here - but I get it

HeyThereDelila · 06/04/2026 22:20

Many people never have anything spare.

Growing up, my DPs didn’t have a brass farthing. It was quite the shock to me to grow up and meet upper middle class people who led very different lives.

I save hard now and we have no debt bar the mortgage. But not everyone is in such a fortunate position.

XenoBitch · 06/04/2026 22:17

SENcatsandfish · 06/04/2026 22:15

Oh I think you're skating on thin ice there with your steak. I think you might be allowed your steak if they were just about to put it in the bin. Only if you take it out of the bin, preferably picking manky bits of sprout off are you definitly allowed it. HTH 🤣🤣

Are maggots allowed? Or will I be told to eat them instead?

SENcatsandfish · 06/04/2026 22:15

XenoBitch · 06/04/2026 22:09

I remember that thread. Someone went on to make a username "GovernmentFundedSteak" 😆

I have a couple in my freezer. Thick 28 day ages Aberdeen Angus ones. They were reduced. Is that allowed?
I bought some half price lamb during Easter (oh, and salmon too).
I mean, if people on benefits are not allowed to spend £4 on reduced steak, then what are they actually allowed to buy?

Oh I think you're skating on thin ice there with your steak. I think you might be allowed your steak if they were just about to put it in the bin. Only if you take it out of the bin, preferably picking manky bits of sprout off are you definitly allowed it. HTH 🤣🤣

HotGazpacho · 06/04/2026 22:11

Dbdh · 06/04/2026 21:01

I think support should be time limited. Like there should be an onus for individuals to manage their own bills and finances.

The vast majority of people in receipt of benefits work full time, managing households, bills, families. You’re implying that they’re on benefits because they’re financially illiterate, not because the entire system is rigged against them.

I’d watch the smugness, if I were you. The universe has a way of teaching people lessons they’re unwilling or unable to learn.

XenoBitch · 06/04/2026 22:09

SENcatsandfish · 06/04/2026 22:06

There was a thread on here recently where some people were saying people on benefits shouldn't be allowed to buy and eat steak. Us benefits people should be just about surviving on bread and water apparently

I remember that thread. Someone went on to make a username "GovernmentFundedSteak" 😆

I have a couple in my freezer. Thick 28 day ages Aberdeen Angus ones. They were reduced. Is that allowed?
I bought some half price lamb during Easter (oh, and salmon too).
I mean, if people on benefits are not allowed to spend £4 on reduced steak, then what are they actually allowed to buy?

SENcatsandfish · 06/04/2026 22:06

Blueshoey484 · 06/04/2026 21:58

Every single meal as a takeaway. Absolute lies. Total lies. I live across the street from a family who are obviously on benefits and they don't get takeaway every night

Stop press. People on benefits can cook too. People on benefits use too good to go and Olio and community larders. They don't sit phoning takeaway every night of the week. Every penny I have is accounted for

There was a thread on here recently where some people were saying people on benefits shouldn't be allowed to buy and eat steak. Us benefits people should be just about surviving on bread and water apparently

Blueshoey484 · 06/04/2026 22:06

SorryNotSorry00 · 06/04/2026 22:03

I am also surprised at this, despite growing up relatively poor for my time (I’m in my mid thirties now) it was drilled into us by our mum you always had something put away “for a rainy day”. Obviously things happen and people might need that money in hard times but the idea was you saved even £5 per week if at all possible.

Some people don't have a spare fiver. Some people have nothing

Blueshoey484 · 06/04/2026 22:05

I worked for over 22 years before I went on benefits. Because I was working a shit zero hours job and didn't have enough money to live on. I know how to cook. I don't need to be getting takeaway every night

But - if some people do. Nothing to do with people on here

MMAS · 06/04/2026 22:04

And your starting age for that would be what BOT

SorryNotSorry00 · 06/04/2026 22:03

I am also surprised at this, despite growing up relatively poor for my time (I’m in my mid thirties now) it was drilled into us by our mum you always had something put away “for a rainy day”. Obviously things happen and people might need that money in hard times but the idea was you saved even £5 per week if at all possible.

SENcatsandfish · 06/04/2026 22:02

XenoBitch · 06/04/2026 21:33

They insist on knowing a family on benefits who get a takeaway every night for the whole family.
I also call bullshit because no one on benefits could afford that.

In any case, people on benefits can spend their money how they want.

They always 100% KNOW they get takeaways every night, and KNOW theres zero mental health issues or disability.

I am on benefits, I couldn't afford takeaways every night 🤣

XenoBitch · 06/04/2026 22:00

Blueshoey484 · 06/04/2026 21:58

Every single meal as a takeaway. Absolute lies. Total lies. I live across the street from a family who are obviously on benefits and they don't get takeaway every night

Stop press. People on benefits can cook too. People on benefits use too good to go and Olio and community larders. They don't sit phoning takeaway every night of the week. Every penny I have is accounted for

Careful now. I am sure someone will be along and pipe up with "if they can cook a meal at home, they can get a job as a chef".

I love TGTO. Especially the Greggs bags.

cloudtreecarpet · 06/04/2026 21:59

The thing to really be shocked by is the huge disparity in wealth there now is in this country, with the gap between rich & poor growing larger year on year.

And also the extortionate uncapped rents private landlords are able to charge which keep some hardworking people in poverty and mean that for many work simply doesn't pay.

Blueshoey484 · 06/04/2026 21:58

Every single meal as a takeaway. Absolute lies. Total lies. I live across the street from a family who are obviously on benefits and they don't get takeaway every night

Stop press. People on benefits can cook too. People on benefits use too good to go and Olio and community larders. They don't sit phoning takeaway every night of the week. Every penny I have is accounted for