Are the majority of people on here well-off?

[ThisBloodyNoiseInMyHead]

As the title says, are most people on here financially well-off?

I've read about a woman who earns £32k a year, another who decorates every year, one who has got 1 4 bedroomed detached house, anther who has got a "budget" of £1 million to buy a house.

I live in a 1930s semi (mortgage paid), my husband earns £25k, I don't work (recovering from being very ill last year)and we haven't decorated for about 6 years. Am I the only working-class -strapped for cash- person on here?

We aren’t big earners but comfortable enough

My husband earns 32k
I’m on about 10.5k (part time 22 hours a weeks)
3 bed terrace house (mortgage) in nice area south west
1 car pcp
1 child
1 cat
1 uk holiday a year
1 weekend away a year
We eat out maybe once a month
Luckily we have no debt

We are happy enough but definitely not rich

There’s plenty of threads on here about people struggling.

I think my lifestyle is okay but I’m pretty sure I’d be considered poor by lots of Mumsnetters. My car is a 2003 model and I’ve got a house with a mortgage but old kitchen and bathroom.

To be fair I love to travel so have ‘wasted’ loads of money on trips over the years.

Boringly average here

So I believe I might be the OP of the recent million pound house thread you refer to.

I find it odd that another poster has insinuated my post or posts like mine would be fabricated. What would be the point?

I don't think a million pound house budget is the norm though. It's certainly not unusual in certain bubbles of people/locations, but I'm very aware that I'm far more fortunate than the majority of people.

And my 'budget' of £1m (and it is still a budget despite its high price), will be 80% mortgage based on my DH's very high salary. According to another poster that means I'm not that well off as I don't have the £1m in cash- so maybe that's true! I myself earn less than the national average, and we've never inherited any money. I suppose we're just lucky with my husband's salary.

Do shell out £2500 a month in nursery fees as well though.

www.tandfonline.com/doi/full/10.1080/14680777.2021.1922486

“Unfortunately, there is a lack of demographic data available about Mumsnet users, and the most recent available Mumsnet census is over a decade old (2009).2 It indicates that the site’s participants self-identify overwhelmingly as women (98%), mothers (95%), white (84%) and as living in the UK (95%). Recent research assumes the site users to be predominantly middle-class women, a high proportion of whom university educated and economically privileged”

Op I we have a combined income of 80k BUT also 240k mortgage left to pay on a small flat.

Mortgage free in a spacious house with a 25k income isn't badly off.

Single mum, 2 children, solely reliant on UC.
In private rent that benefits pay for. Been on the council housing list just over 8 yrs & still not even in the top 50.
I am in no way going to justify or explain my circumstances... but yes, there's members here that are genuinely in poverty.
But I guess poverty means different things to different people. I'm aware of families (single or not) that are in the same financial situation as me.
But I guess that's

[quote ddshocker]@StarsAndSugarlumps I know I never understood that either. There was one not long ago where a poster said she earned over 10k a month for others to not believe her and she then put Up a picture of her payslip...that put a stop to that!! [/quote]
I'd love to see that payslip. I can't even imagine it

Of course not. There are people of all kinds in here, as you'd expect on a chat forum. It's just that you're probably much more inclined notice the posts that stand out by being different from your life.

I’m also surprised by the comment on the woman earning 32k, that’s the average salary op.

Mumsnet used to be predominantly middle class in the early days, or at least it seemed that way, but it's changed since then and you'll find all sorts here now.

Ageed @Laptopsandmouses 32k isn't a lot where I live. If you lived alone you'd struggle on that.

Everyone is either fabulously wealthy or living in a filthy shack eating scraps they found in the gutter. There is no inbetween.

It all depends on a persons own definition of "well off".

To me "well off" is a safe and comfortable roof over your head, food to eat, ability to keep warm and clothed, access to transport, work and education (should you want to) and a family and / or friends who care for you. Possibly a holiday whether that's in your home country or abroad.

To others "well off" may mean holidays, loads of money in the bank, extra properties etc.

It's all relative

32k is quite a good wage where I'm from, for one person that is.
For household income, it doesn't go far.

Maybe there's just a lot of women on here who are housewives/SAHM with hubbies who earn the big bucks, and have a lot of time to spend on Mumsnet as a result. Just a thought.

We earn more than £110k between us, which I consider to be well-off, but we have a whopping mortgage and also pay £3k per month nursery fees, so we are always actually skint and are living on a very strict budget for everything else!

@Disneyblueeyes

32k is quite a good wage where I'm from, for one person that is. For household income, it doesn't go far.

Maybe there's just a lot of women on here who are housewives/SAHM with hubbies who earn the big bucks, and have a lot of time to spend on Mumsnet as a result. Just a thought.

It’s the British average salary for an adult and certainly doesn’t normally make someone financially well off.

I have a very big house by luck, got it very cheap 20 years ago
But you own a house outright! You are well off!

@surreygirl1987

We earn more than £110k between us, which I consider to be well-off, but we have a whopping mortgage and also pay £3k per month nursery fees, so we are always actually skint and are living on a very strict budget for everything else!

A massive mortgage is a choice though. I'm on a low wage and I purposely chose an affordable mortgage to me, because I don't want to be skint all the time.

We earn more than £110k between us, which I consider to be well-off, but we have a whopping mortgage and also pay £3k per month nursery fees, so we are always actually skint and are living on a very strict budget for everything else!

How do you actually make it stretch so far, 3k nursery fees, I thought mine were bad at 1.5k!

Me and DH are just shy of 30, we both earn 25k each for a round number, mortgage paid due to inheritance. No kids. We don't have a car and we WFH so not much outlay either so I'd consider us comfortable but not exactly "well off" as well off to me would be someone earning double what we do. I do appreciate I'm in a privileged position to be mortgage free though.

We are certainly not wealthy, but we are 'comfortable'. We own our home and have savings. We put almost everything toward the mortgage for years, then put almost everything into savings, once the mortgage was paid down.

We don't have to choose between eating and heating, yet we try to be frugal with what we spend on both because we're saving for the future. We don't travel often, we drive older cars, and we keep the same furnishings forever/until they wear out (with the exception of infrequent small, very affordable changes). I always consider prices and try to minimise spending on clothes, shoes, etc., but we treat ourselves to things we enjoy (usually things related to our hobbies, streaming subscriptions, books). We happily splash out on our interests, from time to time, but even then we keep it within reason.

The figures aren't the whole story. We're happy with our comfortable but modest lifestyle, but some who earn less than us live flashier lives than we do.

I earn over 32k (just) but I promise you I am not 'well off'. We manage and don't go cold or hungry but don't have fancy holidays maybe just a cheapish uk break. We have mortgage and childcare to pay

But someone earning double without an inheritance to allow them to be mortgage free could easily have less money.

People can be whoever they want to be online OP. Take it with a pinch of salt!