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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To feel fed up about us struggling on DH low salary

383 replies

HumphreysGang · 24/08/2026 08:08

Does anyone else have a DH who earns as little as £56,500 salary?
My DH does and it is so difficult to survive financially on his low salary in the SE.
I am surrounded by friends whose husbands all earn well in excess of £100,000+ a year. The difference in lifestyle, including affordability of house size, extensions, cars, holidays, etc. is huge. They are all living the dream and we are struggling to death.
Just wondering if anyone else has a husband on this level of low salary?
And yes I work. 30 hours a week. My money pays for extras. His is the main income to cover the major costs (except it doesn't and we are permanently in the red).
He'll never earn more as he's at top of his salary point.
Nor will I due to our SEN DC and their needs which have severely thwarted my previous plans for career progression.

OP posts:
LejlaKapovic · 24/08/2026 12:42

HumphreysGang · 24/08/2026 08:08

Does anyone else have a DH who earns as little as £56,500 salary?
My DH does and it is so difficult to survive financially on his low salary in the SE.
I am surrounded by friends whose husbands all earn well in excess of £100,000+ a year. The difference in lifestyle, including affordability of house size, extensions, cars, holidays, etc. is huge. They are all living the dream and we are struggling to death.
Just wondering if anyone else has a husband on this level of low salary?
And yes I work. 30 hours a week. My money pays for extras. His is the main income to cover the major costs (except it doesn't and we are permanently in the red).
He'll never earn more as he's at top of his salary point.
Nor will I due to our SEN DC and their needs which have severely thwarted my previous plans for career progression.

Why did you marry someone whose salary and salary potential you're not happy with? Seems counter-productive to marry a "low-earner" when you want a champagne lifestyle.

FairKoala · 24/08/2026 12:38

HumphreysGang · 24/08/2026 09:42

Honestly it's no money at all.
Massive increase in mortgage rate.
Massive increase in water meter charges.
Massive increase in electric and gas.
Massive increase in council tax which is now £300 a month!!!!
Massive increase in food - our teen DC eat never ending amounts of food.
Expensive petrol.
2 cars to run as we both need a car to get to and to do our jobs.
Endless money needed on kids clothes, shoes, school uniform.
Crucified by our DC school uniform who insist on school logo wear. Bought 1 PE top and 1 PE shorts for each child, have to ho to a specialist shop to buy it which is a 40 minute drive away from the school, and paid £100. Yes, £100 for 2 PE tshirts and 2 PE shorts that have to have the school logo and be purchased from this one special shop that sells it. That's only the PE kit. Next I move on to the new school shirts, expensive logo blazers, expensive logo jumpers, trousers, specific school skirts, school shoes, stationary - every August costs me hundreds of pounds on school wear. I'm so angry about this that I emailed the Head about all this compulsory logo overly expensive uniform for a bog standard state school and his lengthy word salad response could be basically translated as "tough".
I honestly don't know how anyone earning less than this with a mortgage IN THE SE (area is completely relevant) copes.
We are practically crying at the end of each month.
One car needs fixing and we can't even afford to book it in for repair, it's awful to not be able to afford to repair a 10 year old car.
Also 2 kids is vastly more expensive than 1 so can't compare that either.
DH earns more per hour than me so no sense in swapping our hours as some have suggested.

is this a state school or private and wasn’t there a 2nd hand uniform sale for new parents

WestwardHo1 · 24/08/2026 12:21

Bloody hell I earn £17,000 less than that and somehow manage to run a house all on my own from it. But then I don't surround myself with people earning £100,000 plus and then compare what they have to what I have. You're hard pushed to find anyone on that kind of money round here anyway, and if they do, then they don't flaunt it.

Perhaps a change of mindset/location is in order.

iamnotalemon · 24/08/2026 12:17

I expect if you listed your income and actual outgoings there would be ways you could save money.

Bedlingtonwarrior · 24/08/2026 12:11

Unbelievable post or is it joke.
OP needs to grow up !!!!!

Ionlymakejokestodistractmyself · 24/08/2026 12:09

Your expectations are v high.

We earn more but still couldn't afford extensions or new cars. We live in a terraced house with one 12 year old car and a house that needs work. And both work full time in above average paying jobs (with SEN kids). Yes more money would be nice of course. But we have food on the table, can pay our bills, can enjoy days out and don't have to stress about the essentials.

Teainapinkcup · 24/08/2026 12:04

HumphreysGang · 24/08/2026 08:08

Does anyone else have a DH who earns as little as £56,500 salary?
My DH does and it is so difficult to survive financially on his low salary in the SE.
I am surrounded by friends whose husbands all earn well in excess of £100,000+ a year. The difference in lifestyle, including affordability of house size, extensions, cars, holidays, etc. is huge. They are all living the dream and we are struggling to death.
Just wondering if anyone else has a husband on this level of low salary?
And yes I work. 30 hours a week. My money pays for extras. His is the main income to cover the major costs (except it doesn't and we are permanently in the red).
He'll never earn more as he's at top of his salary point.
Nor will I due to our SEN DC and their needs which have severely thwarted my previous plans for career progression.

mine is on 30 odd k a year and we are not well off and are given universal credit top ups monthly after they moved us off of child tax credits few years ago. Its sad, isnt it.

Sunnibee · 24/08/2026 12:01

Nothing makes me more depressed than a mumsnet post about salaries

mtobrokeme · 24/08/2026 11:59

Get a better job or do more hours yourself then. Move to a cheaper area.

bloominghell76 · 24/08/2026 11:57

Im on 47k and DP 35k. One child home after uni and one child away in uni. We are skint at the end of every month. But bills are paid, there is food in the fridge, the freezer is full and we can afford 1/2 abroad holidays a year. We rent, but rent a property out (it's too small for us). Drive 10 year old cars. Lower your expectations!

Yupstillhere · 24/08/2026 11:57

Yes, that's outrageous, you should leave him and upgrade.

Msbond667 · 24/08/2026 11:55

Stop comparing yourself to others. Its the equivalent of looking at shiny joy filled instagram posts of other people's lives. Scratch beneath the surface maybe and you may find there are other things going on in your head. You say your career plans have been thwarted. Maybe the resentment you feel about that (your allowed to feel whst you feel btw !! ) is contributing to your general feeling of dissatisfaction . And that is ok.

MagicThanks · 24/08/2026 11:55

Earn more yourself then.

MidnightMeltdown · 24/08/2026 11:52

Booboobagins · 24/08/2026 10:20

OP is in the SE. That income would make it hard to live there.

Many people earn less than you do as a family. Decide what's best for you and take action. If you don't act, stop moaning. It's as simple as that.

I'd suggest you relocate where property etc is less expensive. Yes it's upheaval but your standard of living would be much better.

The south east is a big place. There are plenty of affordable areas to live. OP has obviously picked the most expensive and is now moaning.

Hankunamatata · 24/08/2026 11:50

We lived in SE for a while due to work. We swiftly decided nope and relocated to NI so we could earn the same but have much better lifestyle as housing is much cheaper

Straightjacketsandroses · 24/08/2026 11:47

Riv · 24/08/2026 09:03

Well he’s earning £6,000 a year more than a teacher or nurse at the top of their pay grade with a London weighting (£4000 more than a teacher with inner London weighting). I know they are considered underpaid for the work they do, but it’s a lot more than the mlw and less than your husband earns.
You may have difficult time with a special needs child- dependent on what those special needs are… does your child need 24 hour care? Turning at night? Peg feeding? Disability aids, daily meditation, moving and handling and therapy? Those things do take a lot of time so it’s understandable that you can only do 30 hours paid work- but you will also get benefits and and other for them even though you won’t get carer allowance.

This is wrong. Top of the payscale outside of London is just over £50k; inner London will be 4-6k more. I know this because it’s what I earn and I live outside of London.

Toastersandkettles · 24/08/2026 11:44

We struggled to afford to live in the SE where we were both born and grew up. 9 years ago we moved 5 hours away from our family and now live far more comfortably.

MidnightMeltdown · 24/08/2026 11:44

Why are you blaming your DH for this? If you think that you can do better then there should be no reason why you can’t take over as main breadwinner.

Alternatively, you can move somewhere more affordable.

SweatyWarrenBetty · 24/08/2026 11:41

Unless you have a really badly paid job, I'd have thought 30hours a week would mean quite a nice level of existence.
Depends what you prioritise though. If you want a massive car and loads of screens and takeaways and expensive days out then it maybe doesn't go far. A more outdoorsy, old fashioned existence would have you living a lovely life on that amount.
Going on weekend romps through woods is preferable to all the 2020s trappings, in my opinion. The kids always end up happier too, once they've warmed up on the walk! Can be hard dragging them out initially, mind 😆
I certainly wouldn't be whingeing in public about it...

TediousTim · 24/08/2026 11:41

We have three children. Two with additional needs, including one who has both SEN and a chronic illness which causes physical disabilities. However, we both work full-time, with a combined income of £150,000. You and your husband need to try harder.
You can't control your husband so your choices are:
-You work more hours

  • You up your game professionally and DH works part time.
  • You leave your husband and up your partner game.
  • You start mixing with people at your own level.
  • You go to therapy and learn to accept your lot.
latetothefisting · 24/08/2026 11:38

"I am surrounded by friends whose husbands all earn well in excess of £100,000+ a year."

This is your problem.
If you were surrounded by friends who all earned NMW youd feel rich.

Forget feelings,statistically your household income is above average. Its the comparison with people who earn more that is making you unhappy. Obviously not suggesting you dump all your friends but maybe widen your social circle a bit, or just compare yourselves to those who have far less than you rather than those who have more.

6ate9 · 24/08/2026 11:37

Onegingerhead · 24/08/2026 11:28

I’m certain it’s a wind up but the OP reminded me of a former colleague who proudly pushed her DH to do evening pub job to supplement his low (40K something) wage.

He should’ve pushed his wife instead!!

SP2024 · 24/08/2026 11:33

We live in SE too and each earn more than your husband. But I don’t see my income as “extras”. One of us couldn’t cover the mortgage, 2x nursery fees and the bills alone. We need two incomes. The extras come after essentially and only if we have them. We don’t spend loads of money on holidays, fancy cars or stuff and prioritise our pensions and critical illness insurance.

Shedsqueek · 24/08/2026 11:32

That is not a little salary. My husband never earned more than 30 to 40K. Ive never earned more than 30K and now less as Im part time. However, we have used some money wisely in the past, to invest in property. We dont have an extravagant lifestyle and only one holiday a year. We have 4 kids. We have nice cars we have bought outright and looked after. So perhaps you just need to be more frugal.

Onegingerhead · 24/08/2026 11:28

I’m certain it’s a wind up but the OP reminded me of a former colleague who proudly pushed her DH to do evening pub job to supplement his low (40K something) wage.