AIBU?
To be struggling to survive on 65k household income
Soddinghell · 05/09/2022 20:38
By the time we have paid mortgage, phone bills, bills car insurance, kids activities etc we barely have anything left. I don’t know what’s going on. DH earns 50k and I earn 15k part time. Please somebody help me I am thinking of going full time to stay afloat, I don’t know where we are going wrong, we are not in London or an expensive area, just outside manchester and people keep telling us we should be fine. We are not though!
Am I being unreasonable?
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Soddinghell · 05/09/2022 20:40
Nursery fees are 600pm, gymnastics, swimming etc come to 100 a month, food shops have become so expensive, Surely we should be managing though? We don’t have enough to put away for savings either.
WestIsWest · 05/09/2022 20:41
Is your mortgage a lot? Could you extend the term while you’ve got the nursery fees to pay?
Gensola · 05/09/2022 20:41
What are your essential outgoings - mortgage, insurance, utilities, childcare, internet, phones etc?
ComeonL · 05/09/2022 20:42
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Shreik · 05/09/2022 20:42
We are on £50k and have £250 in clubs but only £600 mortgage and no childcare. Managing fine atm
Day20 · 05/09/2022 20:42
Poor money management and I think people will be offended by your post who are less fortunate.
So many variants how much is your weekly food shop? How expensive are your phone contracts? You could use sim only once they have ended. Gymnastics could be dropped. Do you have sky? Takeaways?
ComeonL · 05/09/2022 20:43
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wb3 · 05/09/2022 20:43
You might not get sympathetic hearing here but I do understand.
It' not a race to be bottom or a competition to see who has ot worst. Many people who earn like you are struggling through no fault of their own.
No advice I'm afraid but I do understand.
ComeonL · 05/09/2022 20:43
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Ilikewinter · 05/09/2022 20:43
Do you work to a budget?
The obvious answer seems to be to cut out some of the kids activities bit you probably wont want to do that!.
Keep a track of every penny you soend over a month and you'll see where you can cut back.
ComeonL · 05/09/2022 20:43
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Horcruxe · 05/09/2022 20:44
Two words
Lifestyle inflation.
But you'll get eaten alive on here.
Anyone earning a decent salary isnt allowed to complain
BeBraveAndBeKind · 05/09/2022 20:44
You need to do a budget and see where your money is going. There's one here: www.moneyhelper.org.uk/en/everyday-money/budgeting/budget-planner. Go through your bank statements and write down everything.
ComeonL · 05/09/2022 20:44
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nutellachurro · 05/09/2022 20:44
YANBU
It's not a high family income so no wonder you're struggling
ComeonL · 05/09/2022 20:45
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wherearebeefandonioncrisps · 05/09/2022 20:45
You're earning a hefty amount.
Sounds like your priorities are awry combined with daft mortgage responsibilities.
vodkaredbullgirl · 05/09/2022 20:45
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sod off
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