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What household income supports this lifestyle ?

465 replies

Drealifegoals · 12/09/2026 11:12

If your lifestyle looks anything like this please share with me what yearly household income you have!

please share mumsnetters, this is where I want to end up for my 40s and there are people around us living this kind of lifestyle but I can’t ask them how much they earn IRL!

dream lifestyle is:

3 holidays a year - one long haul two smaller European city breaks type
1 nice car bought outright - nothing majorly expensive around the 60k mark
coffee out for both adults x5 a week
lunch out for both adults x2 a week
dinner out every Friday - whole family two adults two kids
good Christmas every year
money for regular hair appointments for whole family
enough money for both kids to do sports and music out of school
nicely decorated house
monthly shopping treats for all family members maybe £50 each
Food shop from M&S
clothing to be mainly high street with the odd designer item thrown in for whole family.

no mortgage, no childcare fees, both children in state school.

OP posts:
MaggieMop · 12/09/2026 18:29

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emptythebin · 12/09/2026 18:37

So @Drealifegoals never did say what she actually earns

MaggieMop · 12/09/2026 18:41

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bcisagtwt · 12/09/2026 18:47

I wonder if the man who said a 3 door car is sufficient has children.

shuggles · 12/09/2026 18:49

bcisagtwt · 12/09/2026 18:47

I wonder if the man who said a 3 door car is sufficient has children.

My working class mum had a tiny 3 door car when I was a child.

It did not cause any issues.

emptythebin · 12/09/2026 18:50

@shugglesbut how long ago was this? car seat rules are different, some cars don’t even have middle seatbelts now

Snipitpls · 12/09/2026 18:51

shuggles · 12/09/2026 18:11

@Snipitpls sorry?

Apology accepted.

No problem. Anti authority, anti establishment, reform voter “working class man”…. I don’t want to get on the wrong side of you @shuggles 😟

ShitHoleDweller · 12/09/2026 18:53

Snipitpls · 12/09/2026 18:51

No problem. Anti authority, anti establishment, reform voter “working class man”…. I don’t want to get on the wrong side of you @shuggles 😟

You need to stop harassing this poster as your posts are being deleted behind you.

bcisagtwt · 12/09/2026 18:53

shuggles · 12/09/2026 18:49

My working class mum had a tiny 3 door car when I was a child.

It did not cause any issues.

Edited

I’d be interested to know her opinion on that more than yours.

Snipitpls · 12/09/2026 18:54

bcisagtwt · 12/09/2026 18:53

I’d be interested to know her opinion on that more than yours.

Too right

AnnaQuayRules · 12/09/2026 18:55

I can't get my head round £60k for a car!

Assuming you'd be buying the car from savings, then I'd say about £130k

Why on earth do you want to buy so many coffees and lunches?

Wineryvinery · 12/09/2026 19:03

Yetone · 12/09/2026 16:19

No we didn’t save in our children’s names, but we did save for them. I would definitely prioritise putting your children through university over having coffees out 5 times a week.

We all have choices and not everyone needs to give up coffees or holidays to put their kids though University - it was never a thing we needed to save for, it came out of monthly spends, they were very well taken care of.
They have great jobs, live at home and are saving a shit tonne every month - they are doing just fine.

Wineryvinery · 12/09/2026 19:09

AnnaQuayRules · 12/09/2026 18:55

I can't get my head round £60k for a car!

Assuming you'd be buying the car from savings, then I'd say about £130k

Why on earth do you want to buy so many coffees and lunches?

Why so many coffees and lunches? You like good coffee and going out for lunch and you want to be able to afford to buy them? Why was that so confusing?

ShitHoleDweller · 12/09/2026 19:11

Wineryvinery · 12/09/2026 19:03

We all have choices and not everyone needs to give up coffees or holidays to put their kids though University - it was never a thing we needed to save for, it came out of monthly spends, they were very well taken care of.
They have great jobs, live at home and are saving a shit tonne every month - they are doing just fine.

When did they attend uni though? Attending uni away from your home town has become a lot more expensive due to housing and food/socialising costs, same with everything car related. Cars are more expensive. Energy to run the car more expensive. Lessons more expensive. Car insurance more expensive. How are the kids running a car when they can’t even work like we did. There aren’t the jobs.

ZombieZebra · 12/09/2026 19:13

We’re just two adults and we take home £6.5k a month after tax. Our life is similar to that.

Ally886 · 12/09/2026 19:20

shuggles · 12/09/2026 15:48

A £40k car is extremely expensive and only a very small % of very high earners would buy that.

Most people drive a second hand car that's bought in the range of £7.5k - £15k.

Outside of that, some people drive new cars, but because they are so massively expensive they use those weird "PCP" things... I think PCP is really strange and generally a bad idea as it works out to be extremely expensive.

Whether you agree with it or not, it can't be "strange" if 7/10 new cars are bought on some form of finance surely?

Ally886 · 12/09/2026 19:23

shuggles · 12/09/2026 16:03

Weird comment. Why would you pay an extortionate and colossal sum of money for a new car when there are new cars available for smaller sums of money? I don't understand. That does not make any sense.

That's like saying why but toilet roll when you could use a rag, no?

If you want something, and can afford it, you can't be criticised for buying it.

Yes you can buy a Volvo without parking sensors and a manual gearbox but you would want more than that for a premium brand

stargirl27 · 12/09/2026 19:42

Drealifegoals · 12/09/2026 11:12

If your lifestyle looks anything like this please share with me what yearly household income you have!

please share mumsnetters, this is where I want to end up for my 40s and there are people around us living this kind of lifestyle but I can’t ask them how much they earn IRL!

dream lifestyle is:

3 holidays a year - one long haul two smaller European city breaks type
1 nice car bought outright - nothing majorly expensive around the 60k mark
coffee out for both adults x5 a week
lunch out for both adults x2 a week
dinner out every Friday - whole family two adults two kids
good Christmas every year
money for regular hair appointments for whole family
enough money for both kids to do sports and music out of school
nicely decorated house
monthly shopping treats for all family members maybe £50 each
Food shop from M&S
clothing to be mainly high street with the odd designer item thrown in for whole family.

no mortgage, no childcare fees, both children in state school.

This is similar to my lifestyle but no kids and I travel far more - maybe 3 long haul and shorter European breaks whenever I can squeeze them in

Household income 260k + bonus

pasanda · 12/09/2026 19:42

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Course it is 😂😂🙄🙄

foursquares · 12/09/2026 20:02

bababamama · 12/09/2026 11:16

Without mortgage payments £4K a month maybe? We live on less than that and (apart from car, 2 cheaper cars and multiple motorcycles, and supermarket choice) can afford this and more. I personally don’t waste on crap coffee shop coffee as I make far better at home.

How do you do that on 4k per month?!

foursquares · 12/09/2026 20:03

SummerFeverVenice · 12/09/2026 11:19

No mortgage in your 40s would mean a large inheritance or other windfall.

Not necessarily, most people pay off their mortgages in late 40s / they early 50s.

foursquares · 12/09/2026 20:04

Statsquestion1 · 12/09/2026 11:23

We earn around 7.5k per month (after tax and pension) and have a similar’ish lifestyle but we have a mortgage and save 2.5k per month.

How much is your mortgage payments?

bcisagtwt · 12/09/2026 20:06

foursquares · 12/09/2026 20:03

Not necessarily, most people pay off their mortgages in late 40s / they early 50s.

I very much doubt that’ll be the norm now for millennials and younger. The average age of buying a house has increased a lot over the last 10 years, mortgages are bigger, they are getting longer.

foursquares · 12/09/2026 20:09

RosesAndHellebores · 12/09/2026 11:33

We earn far more and certainly think twice and more again before buying five coffes a week and contemplating dinner out once a week for four. That's probably £200 pw spaffed up the wall. We could but wouldn't.

It also depends on expenses, our mortgage was repaid decades ago but the running costs of a large house are significant: utilities for more than 3.5k square feet, cleaning, gardening and maintensnce, council tax, etc.

You think twice because you choose to think twice, or have an relatively high mortgage compared to you income. We earn significantly less and don't have £60k cars, but think twice about coffees or meals out because that we I enjoy.

MaggieMop · 12/09/2026 20:11

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