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AIBU?

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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
foursquares · 04/09/2026 11:35

DazzlingPony · 04/09/2026 09:16

This is incorrect. If the calculator gave you that then it’s wrong.

I used to work for CA doing benefit appeals.

The figure would also change if you didn’t add housing onto it because you would have a higher work allowance (£710 as opposed to £427 if you’re including housing costs).

So UC entitlement for one couple is £666.97. Child element is £303.94. £666.97+£303.94+£303.94 =£1,274.85. That’s the maximum allowance you’d get.

To work out the maximum a household can earn we would use (the entitlement and divide by 0.55) and then add the work allowance back on the top to work out what people were entitled to. With £4800 income you would be almost -£1000. Once you go below £0 it wipes out your universal credit entitlement.

Two adults plus two kids without housing costs and no disabilities would reach £0 at not for far over £3k.

I just went on entitled to confirm, and if you had a household income of £3k before tax it says you would get around £150 in UC. I hope this makes sense.

Edited

This is just referring to normal people, not those on benefits.

LGBirmingham · 04/09/2026 11:31

pucelleauxblanchesmains · 03/09/2026 18:37

Somewhere (maybe the Times) I read a really good article a few months ago, where the author said that to save money she'd decided not to buy a new sofa, and then listed all the events downstream of that if everyone else acts similarly: less money for the furniture shop, for the textile factory, for the warehouse operators, for the cafe near the factory, less paid in tax.

The British economy relies very heavily on services and consumer spending, we can't wish that away. But if we don't produce and manufacture then there'll be no money for goods and services to prop up what's left kf the economy.

This is completely true. And what will happen even more is that the prices for sofas will rise even more because they don't sell as many and they still want to retain their staff if they can.

This is terrible for the economy but brilliant for the environment. We need to stop wasting stuff, creating landfill, polluting our environment etc... rising prices are painful and I feel it too. But it's better for us as a species long term if we travel less, buy less, make things last etc...

DazzlingPony · 04/09/2026 11:26

Dreameth · 04/09/2026 11:16

Welcome for you to run the same numbers on a different or same calculator and show it.

No offence but I am not believing the random protestations of mumsnet users who can’t read a table over Entitled To or any other well known benefits calculator.

Run it in turn to us if you want. Haven’t done it and don’t have time but would be interested to see your results.

There you go. Zero pound universal credit with you both earning £2000 a month with no childcare, no housing, couple with two kids. All you’ll be entitled to is child benefit.

AIBU to feel middle-class luxuries have become increasingly out of reach?
AIBU to feel middle-class luxuries have become increasingly out of reach?
DazzlingPony · 04/09/2026 11:24

Dreameth · 04/09/2026 10:21

It’s just a basic, c. minimum wage family. No housing, no childcare.

Dont understand how no one knows this

Nobody knows it because it’s untrue! Go on entitledto or turn to us and put in that you have 2 children, zero housing costs and both you and your partner earn £2000 a month and it will give you the exact same sum I just gave you and tell you you’re entitled to zero. I have no idea what that photo is you’ve posted because I’ve never seen that calculator but it’s wrong. Everyone has told you you’re wrong.

I just did it for you in turn to us.

AIBU to feel middle-class luxuries have become increasingly out of reach?
Isitoveryet25 · 04/09/2026 11:22

Gibgertea · 03/09/2026 16:40

But 40 years ago my middle class mum wouldn’t have been going into town to buy pricey tops, books and expensive skincare with coffee out- just because. We all used the library, she bought M&S clothes when she actually needed them and we bought doughnuts to take home. Skincare was oil of Ulay. People now think they should just be able to fritter money as if it’s an entitlement.

This.

’Middle class’ has never meant having endless cash to splurge on expensive clothes and skincare.

Middle class is about spending wisely on things that will last. Not about Sephora and a new top every week. This is aspirational behaviour and always has been.

my parents were middle class and so were their parents. They had nice, quality things but they were bought occasionally. It was always having what you needed and not going without but not spending sprees.

Of course it’s true that inflation is wild and everything has gone up exponentially in the past couple of years. But a ‘middle class’ lifestyle is not the same thing as being able to afford heavy consumerism.

Differentforgirls · 04/09/2026 11:20

Dreameth · 04/09/2026 11:17

I cant search your user name as not pro. If you link would be good to see it 😊

What is wrong with you?

Differentforgirls · 04/09/2026 11:19

Plus I don't need to. Total benefits is zero!

Dreameth · 04/09/2026 11:17

Differentforgirls · 04/09/2026 11:17

I did. Ages ago as the link.was in a thread. I was entitled to zero.

I cant search your user name as not pro. If you link would be good to see it 😊

Differentforgirls · 04/09/2026 11:17

Dreameth · 04/09/2026 11:16

Welcome for you to run the same numbers on a different or same calculator and show it.

No offence but I am not believing the random protestations of mumsnet users who can’t read a table over Entitled To or any other well known benefits calculator.

Run it in turn to us if you want. Haven’t done it and don’t have time but would be interested to see your results.

I did. Ages ago as the link.was in a thread. I was entitled to zero.

Dreameth · 04/09/2026 11:16

Differentforgirls · 04/09/2026 11:06

Multiple people have told you are wrong. Apply and let us know how you get on.

Welcome for you to run the same numbers on a different or same calculator and show it.

No offence but I am not believing the random protestations of mumsnet users who can’t read a table over Entitled To or any other well known benefits calculator.

Run it in turn to us if you want. Haven’t done it and don’t have time but would be interested to see your results.

Monty36 · 04/09/2026 11:10

walrushurricane · 04/09/2026 10:44

I'm not being rude for the sake of it. You sound pretentious. Almost everyone learned to read from hard copy books. So what? It doesn't mean kindles are difficult once you get used to them. And while some hard backs look nice, the majority of paper backs don't. Some people just seem to want them cluttering their house because it makes them feel intellectual.

Why are you wanting to be so horrible to me ? And yes, you were rude. I did try with the Kindle. I didn’t get on with it. You do. Good for you.
All I said was that books are beautiful. They are to me. I am the last person you would call pretentious if you knew me. You don’t. So please stop being personal.
Books do not make me an intellectual ! I am not an academic but nor do I turn my nose up at people who are.

Differentforgirls · 04/09/2026 11:06

Dreameth · 04/09/2026 10:46

lol they are not.. that’s the difference on the calcs. Read the table.

Anyway to summarise for OP..

This is why you don’t feel you have money to buy ‘middle class’ things. I am not saying it’s because people get UC that somehow diminishes you - I am saying it’s because pretty much most of the country takes home this amount that you don’t economically have a ‘middle class’ income. You have an extra £600 or so a month. And if you think of your middle class expenses (higher housing costs/ insurances/ expensive hobbies) that might disappear quickly to give you the same disposable purchasing power or less than the ‘working class’

Multiple people have told you are wrong. Apply and let us know how you get on.

Dreameth · 04/09/2026 10:46

Differentforgirls · 04/09/2026 10:37

Total benefits are a minus figure.

lol they are not.. that’s the difference on the calcs. Read the table.

Anyway to summarise for OP..

This is why you don’t feel you have money to buy ‘middle class’ things. I am not saying it’s because people get UC that somehow diminishes you - I am saying it’s because pretty much most of the country takes home this amount that you don’t economically have a ‘middle class’ income. You have an extra £600 or so a month. And if you think of your middle class expenses (higher housing costs/ insurances/ expensive hobbies) that might disappear quickly to give you the same disposable purchasing power or less than the ‘working class’

walrushurricane · 04/09/2026 10:44

Monty36 · 04/09/2026 10:06

I find people who are rude for the sake of it ignorant.

I'm not being rude for the sake of it. You sound pretentious. Almost everyone learned to read from hard copy books. So what? It doesn't mean kindles are difficult once you get used to them. And while some hard backs look nice, the majority of paper backs don't. Some people just seem to want them cluttering their house because it makes them feel intellectual.

Differentforgirls · 04/09/2026 10:37

Dreameth · 04/09/2026 10:21

It’s just a basic, c. minimum wage family. No housing, no childcare.

Dont understand how no one knows this

Total benefits are a minus figure.

Daisywhatsyouranswer · 04/09/2026 10:37

MissMappsGardenProduce · 04/09/2026 09:23

You are right and that proves my point.

Just because their parents have enough funds to send them to private school does not mean that they-or their parents-have class.

My point is that class is defined by education-official or self taught-a curiosity- and how one behaves in the public place.

So, your example of privately educated schoolchildren proves my point.

Yes, they have money but don't behave in the public square which means they don't value education either-my two markers of class.

They are examples of the underclass-in this case, the underclass with cash but still, nevertheless, the burgeoning underclass.

I think that redefining class in your own mind is fine, however it doesn’t mean that’s actually the definition of class

class definitions are very simple. It is working class is working for a wage in an unskilled or semi skilled role. Middle is salaried in a professional role that requires further eduction.

people like the bbc tried to come up with different classes, new definitions etc, which is ridiculous really.

class isn’t about behaviour, or earnings, you can easily have a working class person who earns more than a middle class. It’s not about being privately educated, it’s about further education, and it’s not about liking museums over pub crawls. And your roots, ie what your parents class is, is not your class once an adult. That’s just your upbringing. You can also change class in your lifetime.

having the trappings of middle class, ie private education, or loving museums, or behaving a certain way, doesn’t make you middle class. Your job and your education levels define it.

its a subject that brings a lot of emotion, which I find a little bizzare. People try to redefine it to something that fits their personal comfort levels. Or grasp onto the bbc definers like it’s fact, it’s not. I read so many odd definitions, if you work your working class, you are what your parents were, if you like museums and art galleries, or if you like a pint on a Friday night.

class is actually very simple. Redefining it in our own heads doesn’t change it,

GaIadriel · 04/09/2026 10:32

dingodan · 03/09/2026 22:34

😆😆😆😆

You think most of today’s 40 somethings have cleared their mortgages?!

Why have you decided lots of graduates save 2k a month, I ask again what is this based on?

Median graduate salary is £42k.

Dreameth · 04/09/2026 10:30

Dreameth · 04/09/2026 10:21

It’s just a basic, c. minimum wage family. No housing, no childcare.

Dont understand how no one knows this

@dingodan

Here screenshot above, you have some space to increase earnings further on the taper but I am not running them because I have used most of my allowance this year (you only get 10 calcs). But there’s 4.7k and the taper is .55 per £ so you can work it out mathematically you can get a few extra hundred retaining eligibility for other elements.

frozendaisy · 04/09/2026 10:21

MissMappsGardenProduce · 04/09/2026 09:23

You are right and that proves my point.

Just because their parents have enough funds to send them to private school does not mean that they-or their parents-have class.

My point is that class is defined by education-official or self taught-a curiosity- and how one behaves in the public place.

So, your example of privately educated schoolchildren proves my point.

Yes, they have money but don't behave in the public square which means they don't value education either-my two markers of class.

They are examples of the underclass-in this case, the underclass with cash but still, nevertheless, the burgeoning underclass.

A lot of bad behaviour is from what you would think is middle or upper middle-classes, however you want to define it, they get good grades, they can quote poems, they can put on black tie and be confident and polite in a formal setting.

But they also get dropped off at Cornish beaches end of exams, get drunk, have sex on the beach, little, play loud rap music and generally behave as the underclass because they know there won’t be any major consequences because mummy and daddy will privilege their way out of it.

There is no such thing as particular class behaviour or interests anymore. Thinking you are oh so middle-class because you read high brow poetry whilst shivering at home eating beans on toast is delusional.

And thinking “working class” people don’t enjoy opera or know how to behave on public transport is also wrong. Just wrong.

Behaviour and interests are varied over all classes, what makes access to some of these is money and opera houses don’t enquire if you earned the ticket money via building a wall or analysis of a FTSE company quarterly cash flow.

Class is so very outdated in the UK, thank god, by all means judge people as you find them but thinking that class gives people class is insane. The upper classes get away with a lot of dreadful behaviour because they do it behind walled estates and can shut people down, but sexual/physical abuse is the same action.

All there really is, is what you can and can’t afford. What behaviour you can and can’t get away with. Class is just something kept alive to make people who aren’t wealthy feel better because there are markers (made up delusional markers) they tick which makes them “middle-class” - so better in their minds. It’s a trick.

Allergictoironing · 04/09/2026 10:21

walrushurricane · 04/09/2026 09:51

I am not too sure many middle class people only spend 80 to 100 pounds a year on clothes. I only spend about 300 or 400 including underwear, pjs etc and still would spend 80 on a dress.

I didn't say middle class anywhere. I was responding to the poster who said a dress "should" cost £80, and pointing out to them that a) that isn't actually affordable to many and b) they may have somewhat over estimated the costs involved in making a comparatively cheap dress.

Dreameth · 04/09/2026 10:21

DazzlingPony · 04/09/2026 09:36

Sorry I realised I wrote out the sum for the entitlement really confusing, if anyone actually wanted to use it.

It would be wage - work allowance. X 55%. Maximum UC entitlement minus this amount.

Example £3500 -£710 =£2,790.00
£2790 x 55% =£1,534.50
1274.85 - £1534.50 =£-259.65
So zero entitlement.

Obviously this can and will be bumped up by childcare, rent, disability elements. It wouldn’t be impossible to bring home £4800 and still be entitled to UC but they absolutely would have other things added to their claim other than a couple with two kids.

Edited

It’s just a basic, c. minimum wage family. No housing, no childcare.

Dont understand how no one knows this

AIBU to feel middle-class luxuries have become increasingly out of reach?
Monty36 · 04/09/2026 10:06

walrushurricane · 04/09/2026 10:05

Everyone says that but they just haven't really tried to get used to a kindle. I made the effort because I wanted too spend less and not have so much clutter and now I prefer to read that way. I find it a bit pretentious when people talk about books being beautiful.

I find people who are rude for the sake of it ignorant.

walrushurricane · 04/09/2026 10:05

Monty36 · 04/09/2026 10:01

I struggle with Kindle. I learnt to read from books. Not a screen. And for me a book I much prefer. You can get beautiful books with fantastic illustrations too. Not sure that would come across on a screen. A book is a beautiful thing.

Everyone says that but they just haven't really tried to get used to a kindle. I made the effort because I wanted too spend less and not have so much clutter and now I prefer to read that way. I find it a bit pretentious when people talk about books being beautiful.

HPFA · 04/09/2026 10:03

Lifelover16 · 04/09/2026 07:18

Absolutely agree, well said

Nobody's going to cut pensioner benefits so the bill will continue to rise.

Monty36 · 04/09/2026 10:01

walrushurricane · 04/09/2026 09:53

Why are people cluttering the world with paperbacks. You can read on kindle. It's cheaper and you don't end up with loads of books which can't be recycled half the time IME.

I struggle with Kindle. I learnt to read from books. Not a screen. And for me a book I much prefer. You can get beautiful books with fantastic illustrations too. Not sure that would come across on a screen. A book is a beautiful thing.