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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to feel middle-class luxuries have become increasingly out of reach?

718 replies

cocobow · 03/09/2026 16:07

I had to go to the local shopping centre the other day to pick up a click and collect for my husband, new work shirts so nothing fancy! I thought why not make an afternoon of it as I rarely go shopping and I could maybe get a coffee and cake and even treat myself to a little something as my birthday is coming up.

I loved some of the clothes in places like monsoon and seasalt but it was all way too expensive dresses were £80 to £100 or more same with skirts which seemed to start at £65 and I know that isn't even considered expensive today but for me it is! I went for a look in the sephora as I love skincare but again it was all really expensive. The queue for the till was full of school girls buying things I wouldn't be able to buy for myself!

To be fair they were probably there spending birthday money and probably aren't spending money like that all the time. I suppose it just feels like the goal posts on these admittedly luxury items have been moved since I was in my teens and early 20's when I imagined that by my 40's I'd be able to at least buy some of these things or buy nice clothes now and then. My husband and I both degree and post graduate educated and work in professional jobs but we have to prioritise bills, the kids and food over luxuries. To be fair we have no debt at all and we will save for an buy large purchases cash mostly but I admit to feeling a bit personally deprived at times! When my mum was my age she worked in a call centre part time in the evenings and would go round the shops most weekend and buy herself a new top or other item of clothes and exclusively used clarins skincare, I use the ordinary, cerave or boots and superdrug own brand mostly and my clothes come from charity shops. My parents were working class made good but their disposable income seemed to go a lot further than mine does. We don't even have a large mortgage.

DH and I recently looked at taking a short trip to London as a joint birthday present to each other but the cost was so expensive we seem to have quietly shelved the idea.

In the end I had a look in waterstones but even that was expensive, since when are paperbacks routinely £14.99! I never even had a coffee or bit of cake as the selection of cakes looked dry and unappetizing but would still have cost £10 in total.

Am I being unreasonable to think the cost of a middle class lifestyle with a few luxuries has had the goalposts moved by quite some amount?

OP posts:
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11
Dreameth · 04/09/2026 00:32

dingodan · 04/09/2026 00:29

But the basic amount excluding housing & childcare is not 4.8k

Basic amount plus your earnings (which I played around with) minus the reductions for your earnings.

Go on there and do it. I am not wrong I assure you.

dingodan · 04/09/2026 00:29

But the basic amount excluding housing & childcare is not 4.8k

RuinartRuination · 04/09/2026 00:27

Ablondiebutagoody · 03/09/2026 16:43

The country is broke, wages compared to other countries are pitiful and the Government confiscates a shit ton in taxation. There is definitely a cost of Government problem in the UK. We are generally quite poor by international standards. Countries like Poland and Ireland are racing ahead of us.

They’re raking it in in Ireland, you’re right. It’s become the European HQ of every multinational US tech company. But If you saw the way they are spanking the income and doing nothing about their housing and infrastructure crisis, you’d quake in your boots.

Dreameth · 04/09/2026 00:25

Sorry @dingodan

I realise where I have confused you. I said ‘they would give us’. They aren’t giving us 4.7k.

It’s two adults, two kids working and that’s the max someone can ‘take home’ on UC to still be entitled.

Dreameth · 04/09/2026 00:24

dingodan · 04/09/2026 00:23

Where have you got this from?

Entitled to calculator.

dingodan · 04/09/2026 00:23

Dreameth · 04/09/2026 00:20

That’s the figure without rent and childcare. That’s just the basic figure for 2 adults, 2 kids.

Where have you got this from?

Dreameth · 04/09/2026 00:23

dingodan · 04/09/2026 00:21

What was your income when you were entitled to 4.8k and what was that based on?

I just fiddled with the numbers to see what the maximum we could get was. So I pushed the salary around until I reached the peak take home we could get whilst on UC - as this would also open up extra entitlement to childcare/ housing/ subsidised days/ cover for pension contributions.

It was just an experiment.

dingodan · 04/09/2026 00:21

What was your income when you were entitled to 4.8k and what was that based on?

Dreameth · 04/09/2026 00:20

dingodan · 04/09/2026 00:20

@Dreamethbut why i’d your example applicable to most people. Surely rent & childcare are part of a high UC claim?

That’s the figure without rent and childcare. That’s just the basic figure for 2 adults, 2 kids.

dingodan · 04/09/2026 00:20

@Dreamethbut why i’d your example applicable to most people. Surely rent & childcare are part of a high UC claim?

Dreameth · 04/09/2026 00:18

dingodan · 04/09/2026 00:04

@Dreamethmost people on UC get 5.5k?

Close enough. Last time I checked it out they would give us 4.7- 4.9k (before housing element).

So we are on c. 5.5k
We now pay 1.4K mortgage sadly - RIP my 2021 5 yr fix 😭
Live in a large detached house so have energy bills of £600 a month
I could go on..

But I think that demonstrates almost immediately how the lower ‘MC’ can quickly end up with less than the ‘working class’

Sc0tlandbye · 04/09/2026 00:17

Yeah. I used to buy expensive perfume in my 20s every now then as a treat
I was a student, it was very considered but possible
Now those perfumes dont come in 30ml anymore
Its 90ml and £100, im 40 and I cant afford it when a basic supermarket shop costs me 70 quid a week.
Its sad actually because you just think why do I even bother there's nothing to aspire to, no little lifts

SaulHudsonDavidJones · 04/09/2026 00:15

I buy most of my clothes on Vinted and it always shocks me to realise that someone bought that item new from the shop originally. The item I’m ‘splashing out’ spending a tenner on, someone paid £50+ for it new!

dingodan · 04/09/2026 00:09

@SquirrelGGWhen did shops used to be shut on a Saturday then?

dingodan · 04/09/2026 00:04

@Dreamethmost people on UC get 5.5k?

SquirrelGG · 04/09/2026 00:02

dingodan · 03/09/2026 18:30

I think it’s been a pastime for a bit longer, Selfridges opened over 100 years again & was a “destination”.

I've been around a long time, although not in the UK. When I was a kid the shops were open five days a week, that's it. No-one was spending their weekends out shopping like they do now, there weren't sales every five minutes encouraging people to the stores. You only need to go into town on a public holiday to see hordes of people shopping - unheard of years ago. Things like TVs, whiteware etc. used to cost a small fortune, but of course things lasted longer than they do now and didn't need constant replacements. People really do shop as a hobby now, if they have nothing better to do they go shopping whereas in the past many more people played sports etc. which filled their free time.

babyproblems · 04/09/2026 00:00

YANBU. Retailers are taking the piss with pricing on the whole, as are employers and companies who are keeping wages as low as they can whilst executive and CEO pay is higher than it’s ever been before.
Dont believe that there’s no money in the economy - it’s there but in the hands of a tint minority who are doing everything possible to keep things as is.

Dreameth · 03/09/2026 23:55

cocobow · 03/09/2026 23:44

I think it's less that we are wanting the same things as the very rich more that when it comes to the proceeds of growth and productivity the billionaires are hoarding it all for themselves, the selfish blighters!

Yes I see this discussed a lot and I am not sure.

If we took all their money and divided it between ourselves would that resolve things. Inflation would boom even faster and it would just ‘disappear’ away.

I hate the concept of economy and money. You are right though that the rich are getting richer and the poor poorer. All that I can say for certain that this means is that the travel of direction is the defining factor. And I think we would probably be in the poor category.

So the answer is ‘be rich’? 😅

Allergictoironing · 03/09/2026 23:54

Oh and forgot to say - parking at the station if you don't live in walking distance is around £7 per day on top.

Allergictoironing · 03/09/2026 23:53

foursquares · 03/09/2026 22:54

Fair point. Ran it through a budget planner, and average earners with children in thier 40s probably won't be saving £2k per month. But should be saving some each month.

Additionally, some of your assumptions are high. Most people probably won't spend £800+ on commuting costs.

Additionally, OP has a top 10% household income, not median.

I took the figures from the internet - typical commuting costs. Though I said £4-500 a month, not £800.

My petrol "only" costs me about £140 a month, but I then have to allow for the running costs of the car and wear and tear. The 55p per mile HMRC amount is based on those kind of things, so going by that the true cost is over £300 a month. And that's a shortish commute (not feasible by public transport). Train tickets from just outside the M25 into London, a pretty typical commute, are around £450 per month if you get a monthly season ticket.

Lesina · 03/09/2026 23:49

cocobow · 03/09/2026 16:07

I had to go to the local shopping centre the other day to pick up a click and collect for my husband, new work shirts so nothing fancy! I thought why not make an afternoon of it as I rarely go shopping and I could maybe get a coffee and cake and even treat myself to a little something as my birthday is coming up.

I loved some of the clothes in places like monsoon and seasalt but it was all way too expensive dresses were £80 to £100 or more same with skirts which seemed to start at £65 and I know that isn't even considered expensive today but for me it is! I went for a look in the sephora as I love skincare but again it was all really expensive. The queue for the till was full of school girls buying things I wouldn't be able to buy for myself!

To be fair they were probably there spending birthday money and probably aren't spending money like that all the time. I suppose it just feels like the goal posts on these admittedly luxury items have been moved since I was in my teens and early 20's when I imagined that by my 40's I'd be able to at least buy some of these things or buy nice clothes now and then. My husband and I both degree and post graduate educated and work in professional jobs but we have to prioritise bills, the kids and food over luxuries. To be fair we have no debt at all and we will save for an buy large purchases cash mostly but I admit to feeling a bit personally deprived at times! When my mum was my age she worked in a call centre part time in the evenings and would go round the shops most weekend and buy herself a new top or other item of clothes and exclusively used clarins skincare, I use the ordinary, cerave or boots and superdrug own brand mostly and my clothes come from charity shops. My parents were working class made good but their disposable income seemed to go a lot further than mine does. We don't even have a large mortgage.

DH and I recently looked at taking a short trip to London as a joint birthday present to each other but the cost was so expensive we seem to have quietly shelved the idea.

In the end I had a look in waterstones but even that was expensive, since when are paperbacks routinely £14.99! I never even had a coffee or bit of cake as the selection of cakes looked dry and unappetizing but would still have cost £10 in total.

Am I being unreasonable to think the cost of a middle class lifestyle with a few luxuries has had the goalposts moved by quite some amount?

What did your short trip to London comprise off & where are you travelling from? I go to London frequently, never find it too expensive

LancashireButterPie · 03/09/2026 23:46

FlyingPC · 03/09/2026 16:31

I think many who think they are middle class, or have ever been, are misguided about what it means to be middle class.

An £80 top is not middle class.

If you recall, Kate Middleton (as she was known then) came from a 'middle class' family. They lived in a large, detached home in a prestigious area and send her to an elite university.

Her tops weren't £80. Although she was labelled as 'middle class' most of us would view her family to be extremely wealthy.

I think most of Britain is, at best, lower class and there are some upper lower class. Most people are living in poverty or just the basic standard of other countries like Australia/USA etc.

You will find this to be true if you travel and see the very shocking differences in the standards of livings between Britain and other 'wealthy' countries.

Britain is not a wealthy country nor does it have a wealthy population. Once we understand that, then we probably won't feel so bad when we can't afford that 'middle class' top for £80 and just accept our Primark polyester equivalent at £20.

On the other hand, accept that inflation for substandard tops at £80 is what the going rate is now for cheap clothing.

It's not a class thing. It's inflation with stagnant wages where the poor are becoming poorer.

What on earth are you on about?
Of course the UK is a rich nation , in the top 10 for GDP.

There is just a huge discrepancy of wealth distribution. It needs to be remedied.

TaupeFox · 03/09/2026 23:45

Exactly. Has this person seen areas in the US like parts of Philadelphia. lol

cocobow · 03/09/2026 23:45

TaupeFox · 03/09/2026 23:42

You seem to think “middle class” is all to do with income and buying material things. Being middle class is more of a mind set than a disposable income and shopping. Middle classes tend to value education, they most likely enjoy the arts, do a lot of cooking from scratch and spend a lot of time, reading, gardening and other inexpensive hobbies. I think you have the aspirational class/keeping up with the Joneses in your mind and getting muddle with the middle class.

I've discussed this in subsequent posts.

OP posts:
cocobow · 03/09/2026 23:44

Dreameth · 03/09/2026 23:33

And I don’t actually agree with that.

Price is based on supply and demand. Elon musk isn’t buying enough clarins skin care or cupcakes to influence the price 😂

I think it's less that we are wanting the same things as the very rich more that when it comes to the proceeds of growth and productivity the billionaires are hoarding it all for themselves, the selfish blighters!

OP posts: