So fed up of having no money.

[BananaSun1989]

That's it.
That's the thread.

I don't get it, my husband and I don't earn badly but the money goes nowhere and we certainly are only just covering the basics. Yet all I seem to see around me is people moving to bigger houses, driving new expensive cars or buying expensive designer gear ... and going on holiday abroad just seems to be the norm. (on top of day trips galore, and one or two uk holidays as well) Am I just noticing this more because I don't have it? Nobody around me seems to be feeling the pinch at all. I nearly had a breakdown in Aldi where my shop totalled over £100 whereas just a year or so again we could manage a weekly shop of between £60-80.
We seemed to wait for years for extra money when my student loan to finished, our personal loan payment to end, or childcare costs to decrease (dh now works from home so childcare costs have gone from £300 to 0!) - I've even gone from part time to full time last year. Feels like all of our options are gone now and there's still very little to show for it. It's ridiculous. On paper our wages would seem fine but now I'm in my 40's, I really thought I'd be past living payday to payday. #googlescheapknickers

And savings...? WTF are they? I can't manage one of those jars where you save your spare change!!

Thank you for this

Exactly, I never have spare change!
Agree with you on the holiday thing, someone I work with is on their second holiday abroad this summer and I can't even afford one

I could have written your post.

Sertraline and a gorgeous pooch. It is fecking shite. I am terrified every time I have to tap my card that it will be declined.

I work all the hours that I can and still can't get ahead. 50 this year and other than a few golden years - where we spent stupidly I have been skin all my life.

This is one of the most real money posts I have seen here, you know. There are so many of us in the same boat. Here's wishing an upturn for us all, god knows we deserve it x

@FrogsWormsandCaterpillars

It's so relentlessly hard isn't it. I know people mean well with their advice but there is really nothing that we haven't done / tried is there! No money = no money. No advice offered is going to magically put money in my account for the dinners this week!

If you need anyone to rant or vent to please PM me. I promise I won't offer you any advice on budgeting or meal planning 😂❤️

It’s shit - pure and simple shit

The toll of not having money has left my mental health in tatters, it’s and endless cycle. No matter how much I do it gets worse and worse.

With the added bonus of living rurally even if I could afford to do stuff (which I can’t) I’d need still to get there and the cost of diesel has once again jumped!

I owe 3k on my electric and have maxed out my one and only credit card to do a food shop this week 🤷‍♀️ roll on payday where I will have money for at least 10 mins before my direct debits come out and I’m back to square one.

My kids are older now so building forts in the garden & crafts just don’t cut it anymore! Days out cost hundreds of pounds and I just can’t save enough or earn enough money to do it all.

The trampoline which we got 2nd hand is on its last legs, which is their only form of entertainment apart from the tv.

Oh and I have to find £100 to pay for bloody secondary school uniform…a branded jumper is £40 ffs 🤦‍♀️ second hand ones are £25….

I just had a cry this morning cause my cc took a payment out and left me overdrawn.

I got a personal loan out few months ago, ro do up house and cause i was desperate and it's nearly all gone, so when it does go, how can I pay cc. Vicious circle. Bad circle to be in.

I have an idea for an etsy shop so I need to pull socks up and get my arse in gear. I work full time and pay for everything and am out of money half way through. Col has got me.

We all need a fucking break. I don't sleep at nite worrying bout it. As well as being peri !

Sorry rant over x

Do you know what, as PP said, this is one of the realistic money threads there is on MN.

Aside from the few that are sniping and the others that genuinely have no clue.

The rest of us, we're in this together. At least we have this little safe space to moan and cry.

I think that you need to spell it out.

There's someone on another COL thread saying that if you haven't saved for your own pension then you're stupid and deserve to be poor.
Who has enough left over to put money into a pension when keeping warm in the winter seems like a distant memory?

Stuff like this annoys me so much. Everyone (well a lot of people) have fallen for the Tory rhetoric that people who are poor are poor because they’re lazy / deserve to be poor / have made bad choices. Following on from this is the idea that disability benefit claimants - well, any benefit claimants- are scroungers and don’t deserve any support etc. Just vile really.

Poverty can and does happen to all sorts of people, from all walks of life.

You sound amazing.
I am so sorry this is happening… it’s not your fault.

After bills and rent are paid,I am left with very little but I do everything I can to earn extra/maximise my income.I use cashback apps like Shopmium and Shoppix where you save on grocery shopping and get paid to take photos of your receipts.I sign up to every survey site going and spend around an hour a day doing them.I go yellow sticker shopping and do what I can with the earn £10 a day thread.If I didn't do everything I do,I would have around £100 to last the month. Eureka surveys with my code U3P92Q if anyone is interested,I usually make around £5 every 2 days

I also sign up to all sorts of consumer research sites,apply to all sorts of marketing questionnaires etc.I do lots of research projects at the University where you get paid in giftcards.
Here's my Shopmium link if anyone wants to get cashback on their grocery shopping,and free products quite often too.Shopmium link

@Crepesandconans I signed up to Eureka a few weeks ago, when I go onto it now it says all the surveys are locked. Do you have any idea why?

I often find surveys lock me out of them too,especially during a surge,it can be frustrating but I just click on every single one until I qualify or leave it for an hour or 2,then go back and see if there are any new surveys to qualify for.It can be frustrating though,I agree and whenever I cashout,I give feedback about the surveys locking you out.Sometimes,I just earn through the arcade games and then check the surveys each hour to see if they are letting me qualify.

A trampoline has saved us this summer! My kids are young and have been begging for months. I found one on a local free cycle page and although it’s old it’s huge and has taken over my entire garden 😂 my best friend is in a similar boat and I let her come round as often as she wants so the kids can all use the trampoline!

The post was in response to a particular post referencing people being poor because they have no qualifications, therefore entirely relevant.

As it happens I am disabled myself and have two disabled kids. There was no implication in my post that people with health problems have any control over that. It appears that whoever reported my post didn't understand it. Interesting that Mumsnet deleted it for spurious reasons yet let yours stand when it is abusive.

Sorry to hear you are also so unwell.

In the same position

im exhausted from working, being a single parent and constantly worrying about money

have letters pulling up and ignore phone calls (on a debt plan already)

That's incorrect. The post that you replied to @MagentaMoon had absolutely no reference to a lack of qualifications. The poster simply said they were doing adult work, something they had to do to get by because they had no options. As I said upthread, your response was - completely out of line. You demonstrated not only a lack of empathy, but a cruelty. It has nothing to do with you having an understanding of life with a disability.

@washingmachineslivelongerwithcalgon - I'm so sorry that life is so hard for you. Your post actually bought me to tears.