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Gaging opinion £400 pw

358 replies

Toomuchtrouble4me · 30/01/2023 11:01

Simply that. Family of 4. Is £400 a week reasonable to live in? This is without any bills so includes:
food for 4
household shopping (detergent etc)
clothing
treats (coffees etc)
household essentials (lightbulbs, batteries etc)
medicines and beauty products
Basically mortgage, bills, large expenses are separate, but thus includes all bits and bobs that are bought weekly plus funds for kids outings and buying gifts if they are going to a party etc.
Is it enough?
we’re trialing how much we need to spend on these things in a week and I don’t seem to be able to manage in £400.

OP posts:
Iwantabloodypizza · 31/01/2023 11:37

ThisGirlNever · 31/01/2023 08:59

This is based upon a London postcode and maximum rent claim for the borough (£340 p/w, but you'd struggle to find a rent that cheap outside of social housing)

Yes, when I lived in London, the social housing lists were 15+ years long.

We were working but claiming top up benefits as rents were so high.

The amount the LA will pay for rent is laughable. Where we were, if you needed a three bed house, the full HB amount was 1,200 a month. There was no where that was 3 bedroom that was under 1,700 a month (it’s more like 2k a month now, I hope the LA has upped it in line with that, but I doubt it).

People don’t understand that. They insist that people claiming benefits are either all in social housing or they are getting all their rent covered, which isn’t the case. You have to pay that shortfall yourself.

And it’s not the case of “well, you’ll have to rent a one bedroom place and all squeeze in then!” because even if you find a landlord who is willing to rent to you on benefits (even top up ones when you are working full time, it was a nightmare), no one will rent a one bedroom flat to a family.

And homelessness doesn’t mean you will get social housing either. How many thousands of families are living in one travelogde room for years at a time? A friend of mine, her husband and dd are entering their second year in one. And yes, they work. They just can’t find anyone who will private rent to them while they need benefits to top up the rent costs.

(And “just move where you can afford to live them!” - ha! Yeah, that’s what we did. It’s not always the easy or good option for many reasons and the only reason we could move hundreds of miles away to a cheap place was that dh London job went fully remote. Not everyone has that luxury. Cheap places are usually cheap because of deprivation and no jobs, so moving to one and leaving your job in a more expensive place makes no sense).

Sorry, I’ll get off my soapbox now, but it’s something that really winds me up.

ThisGirlNever · 31/01/2023 11:50

I know the rents at the postcode I used in the calculator, because that's where I rent out a two bedroom flat. The flat is high quality with Bosch appliances, solid oak flooring, etc.

The rent is currently £413 p/w, so there would be a £73 p/w shortfall in rent, but I think that would be easily affordable given the total post tax income of £805 a week and no need to pay council tax, etc.

Given the quality of the flat I've used as an example, you'd probably be able to find something a bit more basic at a lower monthly cost.

Sennelier1 · 31/01/2023 12:25

Seems plenty to me, can even include take-away some evenings 🤷🏼‍♀️

Beezknees · 31/01/2023 12:50

ThisGirlNever · 31/01/2023 08:20

Just plugged minimum wage into a benefits calculator and a family of four would receive £469.83 / weekly.

Wages after tax = £335.55

Total post tax income = £805.38 p/w

That equates to £41,880 p/a

That's equivalent to £55k pre tax and you don't have to pay council tax. You also straight for various cost of living payments.

Even with rent at £400 p/w and bills at £100 p/w, you'd have £305 p/w.

So an extra £100 a week above the spending power of a family living on a single minimum wage doesn't seem excessive.

You do have to pay council tax. Council tax exemption is only for unemployed.

Beezknees · 31/01/2023 12:54

ThisGirlNever · 31/01/2023 08:59

This is based upon a London postcode and maximum rent claim for the borough (£340 p/w, but you'd struggle to find a rent that cheap outside of social housing)

That's based on cheapest rent though. The maximum LHA hardly ever covers the cost of rent. For example in my area the maximum LHA is about £550pm for a 1 bedroom place, but private rentals for 1 beds start at £650 for a flat and £700+ for a house, so you're having to make up the shortfall.

ThisGirlNever · 31/01/2023 13:18

Beezknees · 31/01/2023 12:50

You do have to pay council tax. Council tax exemption is only for unemployed.

Either way, it's equivalent to at least £55k on PAYE and hardly the breadline.

Lordofthebutterfloofs · 31/01/2023 13:49

Try harder

worstusernameeverx2 · 31/01/2023 14:15

@Sunsetintheeast no I'm talking about your average body wash- not antibacterial soap

ThisGirlNever · 31/01/2023 14:51

worstusernameeverx2 · 31/01/2023 14:15

@Sunsetintheeast no I'm talking about your average body wash- not antibacterial soap

Body wash, shower gel, washing up liquid, bubble bath, etc, are all forms of soap.

They dissolve/emulsify fats (lipids).

Bacteria have a lipid membrane that keeps out water (hydrophobic). Dissolving the lipid membrane kills the bacteria.

worstusernameeverx2 · 31/01/2023 15:01

@ThisGirlNever i see, so if I were to wash my hands with bubble bath it would kill as many germs as antibacterial soap- covid etc?

ImAvingOops · 31/01/2023 15:03

I think it's a decent amount of money but it doesn't allow for many treats or unexpected expenses.
So if you had a week where your child outgrew their school shoes, you could lose £50-60 just in Clarks!
Or saving for Christmas or days out.
Yes, lots of people are living on far less - that doesn't make it right or make the OP an extravagant gloater!

MillicentTrilbyHiggins · 31/01/2023 15:12

Beezknees · 31/01/2023 12:50

You do have to pay council tax. Council tax exemption is only for unemployed.

Council tax exemption varies from council to council. I'm unemployed (due to ill health) and have to pay council tax.

Sunsetintheeast · 31/01/2023 15:26

worstusernameeverx2 · 31/01/2023 14:15

@Sunsetintheeast no I'm talking about your average body wash- not antibacterial soap

Soap IS anti bacterial!! Soap breaks this stuff apart, that’s the whole point.

Sunsetintheeast · 31/01/2023 15:30

worstusernameeverx2 · 31/01/2023 15:01

@ThisGirlNever i see, so if I were to wash my hands with bubble bath it would kill as many germs as antibacterial soap- covid etc?

Yes. It’s the breaking of the coating that matters.

The marketing around a lot of this is utter nonsense. Science makes soap the hero, whilst marketing ignores it.

ImAvingOops · 31/01/2023 15:31

I live this site - a discussion about money can morph into one about how soap works!

WineDup · 31/01/2023 15:55

worstusernameeverx2 · 31/01/2023 15:01

@ThisGirlNever i see, so if I were to wash my hands with bubble bath it would kill as many germs as antibacterial soap- covid etc?

Covid isn’t bacteria.

Thanks for coming to my Ted talk.

ThisGirlNever · 31/01/2023 15:57

worstusernameeverx2 · 31/01/2023 15:01

@ThisGirlNever i see, so if I were to wash my hands with bubble bath it would kill as many germs as antibacterial soap- covid etc?

That was a tip in the 'old fashioned thrift' section of the money saving expert forums - bigger, cheaper bottles of liquid soap.

ThisGirlNever · 31/01/2023 15:59

WineDup · 31/01/2023 15:55

Covid isn’t bacteria.

Thanks for coming to my Ted talk.

But it does have a lipid layer which is broken down by soap, so it can be considered a 'bacteria' for the purposes of this discussion.

WineDup · 31/01/2023 16:00

ThisGirlNever · 31/01/2023 15:59

But it does have a lipid layer which is broken down by soap, so it can be considered a 'bacteria' for the purposes of this discussion.

Oh I know that - I was agreeing with you and providing additional evidence that antiBACTERIAL soap is of no extra benefit to kill a virus than regular soap is.

Creatingusernamesismygame · 31/01/2023 16:13

We are a family of 5. And tend to average £150-200 on Asda shop and butchers (includes nappies young DC)
2 kids go to after school sports clubs £20 a week
and we have 2 cars which total £100 diesel/petrol. I vape or sometimes smoke, so that cost varies per week. And I’ve not included takeouts which we get 1-2 times per week depending on whether I’ve had time to cook or been too busy at work.
so yeah, we probably spend about £350-400 a week excluding bills. We manage ok, but would be great to save more!

Creatingusernamesismygame · 31/01/2023 16:15

Creatingusernamesismygame · 31/01/2023 16:13

We are a family of 5. And tend to average £150-200 on Asda shop and butchers (includes nappies young DC)
2 kids go to after school sports clubs £20 a week
and we have 2 cars which total £100 diesel/petrol. I vape or sometimes smoke, so that cost varies per week. And I’ve not included takeouts which we get 1-2 times per week depending on whether I’ve had time to cook or been too busy at work.
so yeah, we probably spend about £350-400 a week excluding bills. We manage ok, but would be great to save more!

Forgot to add kids dinner money! One in secondary and one in primary.

Daisymaker · 31/01/2023 16:39

I could manage on it but I wouldn't be able to everything I usually do

ImAvingOops · 31/01/2023 16:50

I just looked back over my last weeks' spending and nearly £290 was spent in supermarkets - that was mostly for 2 adults, one teen and 2 cats. Food really is very expensive, especially if you are buying meat.

Wineandwinelalalala · 31/01/2023 17:48

you say you are a family of 4 in your thread. But in other threads you have put your a family of 6? 4 kids and your a Sahm and husband. Then some your a teacher then sahm. What are you

Creatingusernamesismygame · 31/01/2023 18:09

Creatingusernamesismygame · 31/01/2023 16:15

Forgot to add kids dinner money! One in secondary and one in primary.

Also forgot dog food! 2 German shepherds that only eat raw meat from butchers. They eat a lot and cost a lot.
I can see now how it’s all adding up!!