To be struggling to survive on 65k household income

[Soddinghell]

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!

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.

Do you have a large mortgage?

Can you do away with a few non essential activities?

How much is the mortgage sumner?

Payment

Is your mortgage a lot? Could you extend the term while you’ve got the nursery fees to pay?

What are your essential outgoings - mortgage, insurance, utilities, childcare, internet, phones etc?

🤔

We are on £50k and have £250 in clubs but only £600 mortgage and no childcare. Managing fine atm

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?

Write out a list of what your outgoings are.

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.

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.

Two words

Lifestyle inflation.

But you'll get eaten alive on here.

Anyone earning a decent salary isnt allowed to complain

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.

Fuck sake wish I never bothered

YANBU

It's not a high family income so no wonder you're struggling

You're earning a hefty amount.
Sounds like your priorities are awry combined with daft mortgage responsibilities.

sod off