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To think it’s crazy that National Minimum wage is £27k

663 replies

Butterflyfluff · 09/10/2026 20:08

Yet it’s not really enough to live on 😢

My first job paid £7.5k per year and I thought I was loaded! And I’m not ancient.

Now 2 people on NMW earn over £50k between them yet it’s really not enough these days.

OP posts:
Boreded · 10/10/2026 17:46

AllIwantForChrismasIsAKitchenAidStandMixer · 10/10/2026 17:29

I don’t think it’s unreasonable to say it is is envy to be honest. Older people had free education, benefited from final salary pensions, jobs for life, right to buy or access to council housing or house prices 2x their salary. Life has become much harder and it is much more difficult for younger people today to achieve anything close to the same lifestyle. Of course there is envy.

This!

I think the poster is mixing up benign envy with jealousy, I absolutely am envious of the lives pensioners can have today that millennials will not get to have. And I worry about what kind of life our kids will have in retirement.

celticprincess · 10/10/2026 17:43

PaulBaker · 09/10/2026 20:19

My first wage as a teacher was £25k a year (11 years ago) and I thought I was loaded. As in cocktails in The Savoy loaded. 🤑 😭

My first teacher salary was £18k and I went on loads of holidays, ate what I wanted, lived alone and afforded the rent and then the mortgage, had a great social life.

Boreded · 10/10/2026 17:43

Missed off the quote @Differentforgirls but this is regarding the envy comments

Probably not in the way you see it. Am I envious of all of the trips that my family take constantly, yes, do I begrudge them it, absolutely not. So yes, benign envy I suppose…but not of pensioners in general though, just my family.

They all laugh at me because over the last couple of years I’ve taken to living the retirement lifestyle as they/we call it. I see them having all of their trips and I LOVE that for them, so I have been throwing caution to the wind and taking more trips. I have 6 overseas holidays booked in the next 12 months, I choose to spend on these things because I can and because I sacrifice in other ways (one car and low housing costs for example).

What you are probably picking up from my posts it that i feel a sense of injustice on behalf of people who are struggling. Families living pay check to pay check just to put food on the table, missing time with children and not getting to do basic activities because all they can afford to do is work. People who will do this their entire lives, beyond pension age, and will never get to really slow down and relax. People who have to listen to pensioners who complain about being so poor when actually the average income for pensioner households is just 500 less than working age households which typically have more people in them, and much higher costs including rent and mortgage. Mortgages are 1000+ for homes big enough to house a couple of children, childcare when you have 2/3 children is almost as much as the income of the person working.

You probably hear the frustration because I hear pensioners telling people about how they just ‘went without’ in their day…yeah but only one of you worked when you had kids, if someone is working a full time job and managing kids why should they go without. Basic expenditure is DIFFERENT now, it’s not that people expect more now, it is just that there different needs that weren’t there when pensioners were young. But all of the pensioners I know have really great and relaxed lives, they don’t have money worries, they don’t panic over how to feed and clothe their kids, or what happens if a car breaks down and they can’t get to work.

So no, probably not envy in the sense that you think. Just in the sense that I wished my generation was going to have the same future outcomes. I hope this makes it clearer for you.

Constantrunner · 10/10/2026 17:37

Except some of this is nonsense. Most people left school at 16 for full time work. It was mainly the middle class bright kids who went to university. I left school to an economy with far higher youth unemployment than now. Getting a job was very tough and many people had to leave their home towns to get work as teenagers.
No jobs were not more secure. Middle class jobs were and public sector.
Council housing depended where you lived, there was plenty of homelessness.
Public sector final salary schemes benefited some workers a lot. But employers did not have to make employer contributions to pensions and many did not.
House prices and rent were cheaper.

People have taken the middle class experience and pretended it was the experience for everyone. In reality there was far less support for young people back then. I was on my own at 18.

AllIwantForChrismasIsAKitchenAidStandMixer · 10/10/2026 17:29

Differentforgirls · 10/10/2026 17:26

I'm not of pension age though I have retired. Your posts on this thread about older people smack of envy.

I don’t think it’s unreasonable to say it is is envy to be honest. Older people had free education, benefited from final salary pensions, jobs for life, right to buy or access to council housing or house prices 2x their salary. Life has become much harder and it is much more difficult for younger people today to achieve anything close to the same lifestyle. Of course there is envy.

LoisGriffinskitchen · 10/10/2026 17:28

Tharealkate · 10/10/2026 13:35

Housing is the biggest issue IMO. Until we can get that under control the paltry wage rises we have had just won’t cut it. It’s the same with all these threads - - lot of the people claiming to be okay on very low wages have little to no housings costs.

This in a nutshell. I spoke to a patient of mine yesterday who has two children and a job. Landlord sold up and she cannot afford to put a roof over her head, She’s had to move in with a relative but that’s temporary. Locally a 2-3 bed house rents for £1200+ minimum and many have to pay much more than this. My colleague is paying over £2000 for a three bed.
Until we get on top of housing this won’t get any better.

Differentforgirls · 10/10/2026 17:26

Boreded · 10/10/2026 17:23

Ah ignore my previous question, I now understand, you are a pensioner?

I'm not of pension age though I have retired. Your posts on this thread about older people smack of envy.

Boreded · 10/10/2026 17:23

Differentforgirls · 10/10/2026 15:52

I’ve never been on NMW. Didn’t used to exist.

Ah ignore my previous question, I now understand, you are a pensioner?

Boreded · 10/10/2026 17:22

Differentforgirls · 10/10/2026 12:55

£750 for phones and the internet? Jesus I though we were bad at £230!

Are you serious?

Differentforgirls · 10/10/2026 15:55

Scarlettpixie · 10/10/2026 15:53

Still sounds a lot! I have 1gig fibre broadband (for gaming, games design student and working from home) and I don't need a landline as I get unlimited calls on my mobile. I knew Sky was expensive but crikey.

Our fibre is overhead rather than underground. Think it’s a bit more expensive. No choice though. Same with Sky. We live in a private road!

Scarlettpixie · 10/10/2026 15:53

Differentforgirls · 10/10/2026 15:48

Plus land line and free calls 24/7.

Still sounds a lot! I have 1gig fibre broadband (for gaming, games design student and working from home) and I don't need a landline as I get unlimited calls on my mobile. I knew Sky was expensive but crikey.

Differentforgirls · 10/10/2026 15:52

Chewbecca · 10/10/2026 15:06

Spending £230pm on phones is a luxury level of spending. If you were on NMW, you wouldn't / shouldn't expect that.

I’ve never been on NMW. Didn’t used to exist.

Differentforgirls · 10/10/2026 15:48

Differentforgirls · 10/10/2026 15:48

Three mobiles. Sky package with Netflix, Disney, Sports, Cinema, loads more, ad fast forwarding.Fibre broadband with high speeds for gaming, Amazon prime. You name it. We have it.

Plus land line and free calls 24/7.

Differentforgirls · 10/10/2026 15:48

Scarlettpixie · 10/10/2026 13:45

Wow that's high. I just added mine up.

At the moment I pay
£3 Now TV entertainment
£0 Disney+ (used Tesco Clubcard)
£8 Prime
£45.00 mobile phones
£30 Broadband (reducing to £26 next month)
No landline.

Thats £81. Sometimes I add in Netflix at £13 or pay for ad free at £3-4. This is probably only 4 months of the year. I watch what I want and then cancel for a bit. That takes the total to about £85. Curious how you are managing to pay £230!

Three mobiles. Sky package with Netflix, Disney, Sports, Cinema, loads more, ad fast forwarding.Fibre broadband with high speeds for gaming, Amazon prime. You name it. We have it.

ohtowinthelottery · 10/10/2026 15:07

Well surely it depends where you live. My DS was only on slightly more than that 2 years ago when he bought a house with a mortgage on his own. He runs a car (paid for) and has a hobby( for which he buys equipment) and has a holiday abroad every year.

Chewbecca · 10/10/2026 15:06

Spending £230pm on phones is a luxury level of spending. If you were on NMW, you wouldn't / shouldn't expect that.

MrsPapillon · 10/10/2026 15:05

Boreded · 10/10/2026 11:19

But the pensioners will still deny it, because they have less money than their last couple of years before retirement (obviously) they think that means they’re poor, especially those who are doing very well.

On what planet is my generation (in my 30s now) going to be able to retire and holiday multiple times a year, pay for private school for their grandkids, this generation will likely still be paying their mortgages into their 60s and 70s and barely scraping by.

I’m not a pensioner but I think it’s only a wealthy few in the Mumsnet bubble that can afford to pay for their grandchildren’s private schooling and go on multiple holidays a year. They’re not typical of pensioners everywhere.

Pensioners are the “wealthiest” demographic because of the values of their homes. They can’t eat the value of the house they live in or pay their bills with it. Wealth and income are two completely different things. The average income of a pensioner in the UK is £17,240 pa. Just because their house might be worth £600K, doesn’t mean they’re living like kings.

Sometimes I think the younger generations won’t be happy until all pensioners hand over their homes and pack themselves off to Dignitas. Maybe we could look at it another way. We had incredibly indulgent childhoods compared to boomers. Perhaps we should consider ourselves lucky that we had warm homes, lots of toys, tech, hobbies, holidays, and may one day inherit a big chunk of cash. Boomers never had those things.

tripleginandtonic · 10/10/2026 14:56

MyFairLady27 · 09/10/2026 20:19

Well we get by nicely with kids,pets, new cars, holidays,no credit owed to anyone or anything. And get around £20k a year between us as I'm part time atm dh full..Takes good balancing and communication and we do fine and dandy

Well that can't be true unless you're being topped up money wise somehow.

AllIwantForChrismasIsAKitchenAidStandMixer · 10/10/2026 14:53

GreenCa · 10/10/2026 14:18

You clearly know very priveleged pensioners. The ones i know live in small flats, small terraces or semi's.

No just normal ones

Allrightonthenight1 · 10/10/2026 14:52

Timeforachange26 · 10/10/2026 14:32

How the hell are you paying £750 on phones etc? Must be a big house you live in. With such high bills

Annual figures.

Scarlettpixie · 10/10/2026 14:45

Timeforachange26 · 10/10/2026 14:32

How the hell are you paying £750 on phones etc? Must be a big house you live in. With such high bills

Those are annual numbers not monthly.

ancestry101 · 10/10/2026 14:44

Allrightonthenight1 · 10/10/2026 12:48

That is unbelievably low. We pay over £3k council tax, £2.5k gas/electric, £500 water, £750 phones and internet.

c.£7000

DF pays around £5k as a single person.

I’m adding mine up now!

£1800 c tax
£900 gas and electric
£346 water
£780 internet/streaming/phone (in contract, I’m changing as soon as I can)

Timeforachange26 · 10/10/2026 14:32

Allrightonthenight1 · 10/10/2026 12:48

That is unbelievably low. We pay over £3k council tax, £2.5k gas/electric, £500 water, £750 phones and internet.

c.£7000

DF pays around £5k as a single person.

How the hell are you paying £750 on phones etc? Must be a big house you live in. With such high bills

Witnesses · 10/10/2026 14:24

Constantrunner · 10/10/2026 13:03

I know housing costs can be insane, I said that. But even with those included say £20k a year, we still would live comfortably on £41k for a couple. The house next door which is better than ours, is rented out for £1400 a month, so in reality we would pay less housing costs than £20k a year.

If you are estimating housing costs to be 20k a year, that would be 20k take home.

41k take home per year, that's a gross annual salary of 51k. And remember, you're saving for retirement. The 21k is what you choose to live on. Those of us really living on 25k per year (each) don't also have a pot building up that you can dip into as needed. It's not the same.

GreenCa · 10/10/2026 14:18

You clearly know very priveleged pensioners. The ones i know live in small flats, small terraces or semi's.