To ask, if you are a SAHP, what is your household income?

[Happyland8]

If you’re a SAHP, what is your household income? And do you struggle financially?

Surely it depends on your outgoings as well as household income.

Bella but wouldn't your outgoings depend on your income?? Kind of chicken and egg...

£29k, plus DP's parents are loaning us a bit of money to help out with extra costs e.g. car, works out as about £4k over a year so it'll be £33k total.

We have to watch what we buy but we're very good at budgeting well and that still allows us treats and little days out etc. I was going to go to work but for the small amount of extra household money we'd have after childcare and commuting costs, it's not worth being out 7-6 every day and missing DD growing up, we just thought if we can do it then we should.

Around £55k, we don’t struggle but we aren’t really extravagant anyway.

Six figures but high outgoings (school fees and home).

About 22 now, used to be much less.
It's not income it's outgoings that matter.
Y

OP if you want to stay home you can make any budget work. If you and your OH are not married know the risks you face before you stop working. Also, if you stop working and your household income qualifies for assistance in the form of benefits consider how you would cope if they were taken away. Finally consider staying home until school starts or stopping work to retrain so any job you do have in the future works well for your family.

Six figures, don't struggle but still pretty frugal

Not sure what the strange Y was for

If you earn more than you spend you are rich/in profit.

If you spend more than you earn you are poor/in debt.

It doesn't matter how many zero's you put on there.
For more or less just add more happiness, more unhappiness.

I'm assuming you're asking this to figure out if it's affordable for you. But none of the answers will have any bearing on your situation. It depends on location, outgoings, number of children, childcare costs, how much of a financial sacrifice you're prepared to make, and any number of other variables.

Never mind what others manage on. Do the spreadsheet, work it out and if it works for you and you and your partner are both happy with it, do it. And if not, don't worry about how others manage it.

I'm already a SAHM and our household income is £37k, we have found it a struggle at times due to big unexpected expenses. I've recently heard of people managing fine on a smaller household income so just wondered at what point most people find they are comfortably a SAHP without money worries. Just curiosity really.

About 35k p/a after stoppages, but we have no mortgage now as it was paid off three or four years ago. We have three DDs plus pets. We are comfortable without being loaded.

Around 50k. Closer to 60k if he chooses to do private work at the weekends, but he would rather spend time with us. Monthly outgoings including mortgage and food are around 1800. We don't struggle.

Close to £70k which is probably low for where we live, however our house is worth about £500k and our mortgage is under £400p/m. We’re not extravagant, but husband has a brand new car bought outright. All our phones etc were bought upfront and we all have just £10 a month calls/texts/data with giff gaff. We don’t have much saved (because husband just spent a huge amount on a car, after leaving a job where he had a company car. He also had to buy a phone and a laptop), but we have enough to replace the washing machine, cooker, tumble drier or whatever if it broke (that’s how so judge if we’re comfortable)

I’d say we’re perfectly ok. I’m not into ‘stuff’ at all. We might not be comfortable if I was into clothes or spending loads getting my hair done. We also don’t have expensive holidays.

I’m only saying all this to show that although we’re living on a low amount, our outgoings are low too. We don’t have help from parents, and we are the sort of people who save up for things. I’d rather go without until we have the money.

£45k and mortgage paid off.

What anyone else earns is totally irrelevant as their costs will be different though!

Someone living in London could struggle on £150k, but someone in Newcastle be fine and have savings on 30k. Housing, shopping habits, previous debts, lifestyle.... all different to different people.

"6 figures" is a wide range. From 100,000 to 999,999 a year Needless to say there is a world of difference between lifestyles.

About 4k a month after tax plus annual bonus. About 2k a month in bills not including food and petrol. Live oop North.

Sort of a SAHM although I am studying, but not earning. Low six figures, but huge mortgage and too much debt.

70k now but when I originally had DD1 we lived on just over 30k.
DH has worked very hard and had several promotions since then but we’ve always been pretty frugal. We tend to keep our outgoings quite low but have noticed a difference from moving areas. We were in Shropshire where it was cheaper living costs, now in Cheshire everything’s double or at least a significant amount more

With regards to when it became easier I think about the 50k mark? On 30 I budgeted very well but was conscious of it. Now I do so out of habit and we save at least 2k a month to move

We did it with a household income of £55k. We're in London so it was quite tight. I've just gone back part time and it's nice to have the extra money but I don't regret that time I had off.

About 23k. £500 goes into savings as soon as DH gets paid, anything spare at the end of the month goes in too. We live in Scotland. Never feel like we're struggling. It's all about the outgoings rather than the income.

You're going to need housing costs for this exercise though OP, surely? And probably commuting too. The answers from people paying £300 a month rent or mortgage are going to differ greatly from the people paying £3000. Equally, if your DH is having to pay for a season ticket into London from an hour into the countryside on that wage, that'll dent the budget a lot more than it would if he works from home or round the corner or his bus pass is £15 a week.

33k.
And we do struggle financially some months when overtime isn’t available due to high rent and debts.
Worth it tho.