Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To feel fed up of being poor.

540 replies

laptopba · 01/03/2022 18:38

Just that really. Feeling rubbish about how my life has turned out in relation to finances. Its bloody shit.

OP posts:
2catsandhappy · 01/03/2022 21:36

Sympathies op. I am this week thinking one step forward and two back. I had finished paying a credit agreement(funeral plan) and cut back media to broadband only. Little bit of money in purse at the end of the week! Then in one week, utilities and council tax notifications of direct debit increase and the water bill.

I was reminded of times when I ate jacket potatoes and home grown tomatoes every meal for weeks at a time. I am seriously considering eating one meal a day.
I am planning my spring/summer planting now. Fingers crossed for a good crop.
Now my children are grown I don't worry so much. Those days were truly grim.

YouOKhun · 01/03/2022 21:47

[quote Photolass]Would any of these ideas work for you?

informi.co.uk/starting-business/41-ways-make-money-home[/quote]
Number 10 on that list is a fucking terrible idea!! They are suggesting that someone already struggling signs up to an MLM (they mention Avon). These types of companies make poverty their hunting grounds. 99.6% of those signing up in the hope of making some money will actually lose money. Seen it so many times. Anyone looking to make money please steer clear, the fewer options people have the more they are tartgeted by these disgusting scams.

Maverickess · 01/03/2022 21:49

Genuine question to everyone on this thread who feels poor. What are you doing with your kids to make sure they’re not in the same position? Are you teaching them to work hard, doing homework with them, making sure they’re top of the class and aspiring to a good career?

Well, mines pretty much worked out by watching me through her life that 'hard work' doesn't automatically = financial success, because she has been shunted off to family (and yes I'm damned grateful to have them) until she was old enough to look after herself, so I could work ft+ for most of her life, the older she's got, the more hours she's seen me do, she's also seeing the effects of that hard work on my body as I develop arthritis and have treatment for other joint issues and back problems, and we're not much better off and won't be at all when these rises take full effect.

But yes, I did the homework with her, I attended the parents evenings, I encouraged the extra classes after school, I paid the son of a friend to help her fill in the gaps that school blatantly missed, because I couldn't afford a private tutor and her school were at that time, useless if the kids were doing ok.
I have always said that she should get a degree, because even if she changes her mind after 5 years, she's proved she can work at that professional level and that gives her more choices.

But she never was and never will be top of the class, no matter how hard she works and I accepted that and supported her to accept it, it doesn't mean she doesn't try, it means she plays to her strengths and doesn't stress herself silly trying to attain something she's unlikely to, even with all the work in the world.

If university is what she wants, I will move into my mothers garden shed to facilitate it if I have to, I have supported her to the best of my ability, but my own lack of contacts and knowledge around university and professional careers is a stumbling block, one I've tried hard to get past, but it's not something I've grown up knowing about or having experience of, it's all new to me too.

And, here's the rub, she needs work experience to get in - we don't know anyone in the field and have been turned down by all we've tried, talking to people online about it, most people get their work experience because of who they know, well, we don't know anyone, because we don't have the right connections. College are trying to get her a placement at the moment, it's her last real hope.

And she has no choice but to live away from home because the local university doesn't do the degree she wants to do, so there's no option to save money there living at home, she's probably also going to need to work p/t through university, if she can around the placements she needs to do in order to survive. I will help her as much as I can, but I'm limited.

I sometimes think that people assume us paupers can't be bothered and we make up these problems to cover laziness, because they've never been in the situation, it can't possibly be an issue.

Alexandra2001 · 01/03/2022 21:51

@BoredZelda

The advice given is always so bloody patronising.

If people start from that premise, nothing will ever change.

Will only change when we have better and cheaper housing, better paid work, better benefits and don't say we can't afford it when there are 189 billionaires in the UK with a combined wealth of almost 600 billion!

Stop blaming the poor and have some empathy, its fuckin shit worrying how to pay bills, rent or food, let alone cloths, kids & school stuff.
I watched my mum struggle to bring us all up on her own, it almost killed her and it was a dire up bringing.

fwiw 10k people die in the UK due to cold/poverty, ONS winter excess deaths.

Libraryghost · 01/03/2022 21:51

I said I was poor growing up but it seems different today. I don't remember anyone being cold or going hungry in the 70s and 80s, maybe that's just me but there does seem to be more people who can't even afford the basic necessities in life. I agree with what other posters have said about poverty being expensive. You are trapped into higher interest rates, gas and electric meters, not being able to afford bulk buys etc. i extend my sympathy to anyone struggling and I won't dish out advice because having been in that situation I know you will have already thought of it. The only thing I will say is try not to make a bad situation worse by taking credit out. Not always easy I know but the less debt you have the easier it is to climb out of it.

Iputthetrampintrampoline · 01/03/2022 21:51

I think its the sheer effort of just existing and not living thats the worst thing, When you are bone tired of batttling its like wading through treacle Its hard to find motivation. You are doing all the right things every day like everyone else with nothing to show,It costs to be poor and it costs more than money,It makes you ill living on your wits and nerves all the time.Plotting and planning on how to save pennies constantly , I hear you OP xxx

tillyandmilly · 01/03/2022 21:52

I was privately educated but I in a poorly paid job as I have learning difficulties - going to a private school doesn’t make you academically gifted!

HonestwithHope1 · 01/03/2022 21:54

LetHimHaveIt

So right! Educated HAHAHA. I have a degree because I was told. Get a degree. Get good money. Retrain. Retrained. Volunteer. Volun....f...terred. Did everything right.

I'm soon to be on 23100 (prev 22905) which i suppose is good for up north (don't believe average 31k bs) ... Work 37 hours. I work for CS .... I currently have a 34 people caseload, all vulnerable people, many chaotic. It's 9:50pm and I'm sat stressing over everything i need to do tomorrow, and calculating the inevitable added extra this week when X person doesn't show up to appointment or Z person has a crisis involving an hour screaming/crying phonecall with me on the other end trying to both reassure and get them off the phone because there's not enough time and I'll inevitably be told off 🤷‍♀️

People are leaving in droves. While technically you don't need qualifications, you need experience working with vulnerable people ect ... We are understaffed, soooo sooo sooo undertrained for the complex work we need to do, and entirely underpaid. Take home being around 1500 (on 22905) .....

Who can seriously live on 1500. And by live I mean, good food, savings, rent (what's a mortgage?) and some leisure, you know, that mythical life 90% of everywhere in the country, age 60+ have and had enjoyed! And all for LESS fecking work.

As a burnt out mid 20s woman. I am done. I can't win working. I can't win on benefits. What is the point of it all.

Libraryghost · 01/03/2022 21:55

@BoredZelda Alexandra is correct. Look at the average age expectancy in Kensington compared to stoke-on-Trent. Look at the difference in exam results in wealthier areas and in deprived areas. You are starting with the cards stacked against you when you are trapped in poverty and hard work isn't enough to get you out of it.

Lambkin689 · 01/03/2022 21:55

@laptopba

BeagleBum2001 it's rubbish isn't it. With the cost of everything going up, I just feel like I'm sinking further.

I felt so sad when my DC asked me the other day which jobs pay well as they didn't want to be poor like mummy.

I think it's a positive thing that your kids asked that - my DH also came from a very poor family, and it motivated him to study something highly technical and well-paid, which allowed him to move to a more prosperous country and have a better life. He's now able to also support his parents. It meant working extra hard to get scholarships, but it gave him a fantastic work ethic.
notthemum · 01/03/2022 21:59

@Bringsexyback

£12.50 per week sorry, pressed return too quickly

£12.50 per week ? Christ, until very recently I haven't even had that to live on over the past year .

CayrolBaaaskin · 01/03/2022 22:03

@Libraryghost - hard work is enough for many.

wherethecrawdadsare · 01/03/2022 22:03

Ok, so this thread has made me think.
I'm very lucky. I'm not poor. I give to charity. But actually, what I want to know is what would practically help local people. Can we have a sort of twinning system? I have a DD. Some children in her class can't afford to pay for the school trips - can somehow I pay anonymously? Or school lunches? I don't want to make people ask for help, so how practically can we do so?
What I really hate is the lack of equality. Like PPs have said. I can buy in bulk and don't have to pay overdraft fees etc. - the poverty premium is real.
In the absence of governmental change/ paying additional taxes etc., what can we do practically that will help local people?

Maverickess · 01/03/2022 22:04

Just that really. Feeling rubbish about how my life has turned out in relation to finances. Its bloody shit.

@BoredZelda that's the OPs first post, and the title is 'Am I being unreasonable to be fed up of being poor'.
And no, from my POV, it's not unreasonable to be fed up with being poor.

I get your point that moaning about it and doing nothing will not make things better, but in all honesty I resent the implication that is all that's ever happening when someone talks about being poor, it's insulting.
I
I'm sure there's some people out there who it applies to, but from my own experience, those around me and from reading threads like this here and other places, it strikes me that it's like I said in my pp, a lot spend a majority of their lives trying to find a solution, and keep going and going, despite the set backs, and to be able to communicate with people about how that makes you feel and have people know what you're talking about and have empathy, gives a little bit of self worth back and is just as important as the advice, no matter how well intentioned that advice is.

I don't know why people would seek to dismiss that really, well I do, it's the age old thing about the poor being poor because they want to be, are too lazy not to be and don't work hard enough.

containsnuts · 01/03/2022 22:11

BoredZelda

"I agree. It’s 1.60 per day. Of course some people might struggle to put that away, but many might be able to do it, we just don’t seem to be a nation of savers."

Saving £1.60 a day doesn't really change anything though does it? It would take you 50 years just to have enough for a deposit for a house. You'd have to live until you were 200 to be able to buy one. Plus somewhere along the line you'll be penalised for having savings and your benefits reduced making you worse off with the savings than you were without.

Poverty is well and truly a trap.

LetHimHaveIt · 01/03/2022 22:11

@wherethecrawdadsare

Ok, so this thread has made me think. I'm very lucky. I'm not poor. I give to charity. But actually, what I want to know is what would practically help local people. Can we have a sort of twinning system? I have a DD. Some children in her class can't afford to pay for the school trips - can somehow I pay anonymously? Or school lunches? I don't want to make people ask for help, so how practically can we do so? What I really hate is the lack of equality. Like PPs have said. I can buy in bulk and don't have to pay overdraft fees etc. - the poverty premium is real. In the absence of governmental change/ paying additional taxes etc., what can we do practically that will help local people?
Try Acts435.
Goonergirl14 · 01/03/2022 22:12

@HonestwithHope1

LetHimHaveIt

So right! Educated HAHAHA. I have a degree because I was told. Get a degree. Get good money. Retrain. Retrained. Volunteer. Volun....f...terred. Did everything right.

I'm soon to be on 23100 (prev 22905) which i suppose is good for up north (don't believe average 31k bs) ... Work 37 hours. I work for CS .... I currently have a 34 people caseload, all vulnerable people, many chaotic. It's 9:50pm and I'm sat stressing over everything i need to do tomorrow, and calculating the inevitable added extra this week when X person doesn't show up to appointment or Z person has a crisis involving an hour screaming/crying phonecall with me on the other end trying to both reassure and get them off the phone because there's not enough time and I'll inevitably be told off 🤷‍♀️

People are leaving in droves. While technically you don't need qualifications, you need experience working with vulnerable people ect ... We are understaffed, soooo sooo sooo undertrained for the complex work we need to do, and entirely underpaid. Take home being around 1500 (on 22905) .....

Who can seriously live on 1500. And by live I mean, good food, savings, rent (what's a mortgage?) and some leisure, you know, that mythical life 90% of everywhere in the country, age 60+ have and had enjoyed! And all for LESS fecking work.

As a burnt out mid 20s woman. I am done. I can't win working. I can't win on benefits. What is the point of it all.

Sounds like you are in the same field as me though a grade above, I have a caseload of 800, am part-time/part-year, take home pay is just over 1k but the job is so stressful and complex at times. I have been applying for other jobs in the CS so will see how it goes. I do agree we are underpaid for what we do, we are expected to know so much and deal with all sorts of vulnerable people. Though saying that I do enjoy it mostly it's just a struggle to get by and can't realistically increase my hours as I am also a carer for my DS.
RantyAunty · 01/03/2022 22:12

Like PP have mentioned, getting out of poverty is no easy task.
Education is the way out.
Jobs in finance and technology usually pay well.
They do require additional training. If you can put the time in to taking a few classes at at time, you'll be qualified to get a high paying job within 2 to 3 years.

BoredZelda · 01/03/2022 22:14

I resent the implication that is all that's ever happening when someone talks about being poor, it's insulting.

Ok, by your "it's what they posted" argument, what makes you think OP is doing anything to find a solution? Just because people you know are doing that? As I said, having volunteered with an organisation giving this sort of advice, I can tell you there are just as many who don't, as those who do. We gave the advice anyway, most would take it, some would reject it, some would make all sorts of excuses as to why none of the advice would work for them and those were the ones who were just seemingly looking for a handout.

I don't know why people would seek to suggest everyone who is living in poverty are one homogenous group who all think and act in the same way.

Cakequeen1988 · 01/03/2022 22:15

Worrying about money is depressing. I am always budgeting and worry about prices. Like @liveforsummer I have taken a second job now exH has stopped maintenance.

Things I do to save money are (and some people on MN might judge me and say it’s stealing but I don’t care!)

I work for a local authority so they have showers in the workplace for those who cycle to work etc. I shower there to save money on not having to use mine.

No heating on when the kids aren’t here. If it’s the weekend and I’m not working I go to the library/somewhere public and free where it’s warm so I don’t use my heating/lights

My phone contract is with O2. Sim only £10 a month but with that via the priority app I get a free cafe nero drink per week and a free Greg’s item. I always claim them. That’s a meal with a sausage roll and a filling drink like a hot chocolate.

I use Olio app to look for food available in my area and Facebook free giveaway sites.

I hope your situation improves OP it’s hard work!

JungleBungles · 01/03/2022 22:15

I get you @laptopba

Covid, redundancy, unable to get another job, has wiped out our savings, literally back to square 1, no savings I do not even want to look at my total credit card balance it’s just all so bloody doom and gloom about to be hit with a NI rise, electric bill is sky high owe bloody £300 and don’t see it getting any better, food shop is £40 more a week I could go on. Robbing Peter to pay Paul again. I don’t see Dh and I digging ourselves out of this shit for a long while.

All the normal mumsnet bollocks about working hard, re training has come out I see 🤦‍♀️ I do work bloody hard thanks and it’s not so simple to just get another job or retrain, I’ve applied for 10 jobs and interviewed for 8 and came 2nd every time, people are willing to do the job for less £££ and the market is flooded with excellent candidates.

We can’t live on just one salary! We just can’t neither of us can afford to take a drop. I’ve cut back as much as I can and going forward it’s going to affect my children quite badly which worries me. No more swimming lessons, no more anything really. Of course I will hide it from them and try to do some fun free things but sometimes life is just so hard and unfair 2 years ago we were fine after 10 years of shit now it’s just back to shit which was worse than before.

ssd · 01/03/2022 22:15

I'm never done posting this on mn

digitalsynopsis.com/inspiration/privileged-kids-on-a-plate-pencilsword-toby-morris/

x2boys · 01/03/2022 22:17

@RantyAunty

Like PP have mentioned, getting out of poverty is no easy task. Education is the way out. Jobs in finance and technology usually pay well. They do require additional training. If you can put the time in to taking a few classes at at time, you'll be qualified to get a high paying job within 2 to 3 years.
How do people pay for that though ?
lightisnotwhite · 01/03/2022 22:17

This reply has been deleted

Message withdrawn at poster's request.

Akire · 01/03/2022 22:17

Not everyone can get out though if you have illhealth or disability or are a carer then that’s it. Stuck with benefits going down and down and cost of living up up up. The only thing I have look forward to is pension of £50 a week which will be topped up with pension credit or whatever will exist then so I don’t starve to death, unless I win the lotto not that I can afford to play it just never going to be a sunny day because that’s just life benefits are for mim essentials my bad luck can’t improve it, but by heck it is depressing when future is just more of the same. then I can look forward to my DWP paupers funeral