So sick of not having enough money

[Fortheloveofgoddude]

Dh & I both work-I’m a teacher, Dh manager of a company, mortgage remaining is fairly small by some standards, few outgoings such as electric motorbike and car and the rest bills, food, petrol.
One Dd and she’s now in school. I know we should be gratefully to have a home and be able to afford the basics etc and we are, but getting fed up now of feeling we’re working hard (Dh especially is getting down as it’s manual labour and organising everyone else and he’s exhausted ) and not having anything extra for it. For example, we need to decorate & sort out garden and just can’t at the moment, but can’t afford it, we’d like more than a camping holiday one year.
Dd has all she could ever need-clubs, clothes, books, toys etc.
I suppose that little bit extra would just make things feel more worthwhile

Yes school hols because we do city breaks etc not beach holidays or UK holidays such as centre parks etc where they ramp the price up. We just book flights, a cheap hotel or airbnb and explore so doesn't matter if its term time or holidays for us.

i get it OP.

A few tips;

1. think of the longer term. Every month you work, you are paying off your mortgage, paying into pensions etc, to secure your family's future.

2. review you finances - find out where your money is going and cutback where you can, so you can spend elsewhere.

3. do your own DIY/garden, rather than getting someone in. It's hard work, but will save you loads.

There is a shortage of social housing! How would OP be socially housed when they own a house? If they sold it they’d be making themselves intentionally homeless.

Thanks everyone, I don’t expect a lot and am usually able to remain grateful and positive, but just really both feeling run down and fed up with it now, like we’re just keeping going and getting nowhere

When you say your child has everything, do you mean everything everything? Eg my kids would only have one or two pairs of shoes/ runners, while I know people who would get different colours styles etc, have real crocs uggs etc. same with clothes, we’re minimalist and shop in eg Penneys whereas I have friends who shop in next and m and s. Same with books and toys- library or bookstore? etc etc. Not judging just wondering if this could help financially?

We’re the same. No money for holidays, or nights out. We both work hard. My sister was round yesterday, basically saying that sometimes at work there’s nothing to do… She’s got a good salary, nice house, new car, holidays etc… I have none of those, as I’m freelance (which means I’m always working!). I can barely keep up with everything, while she’s admitted to gardening while WFH. It just seems so unfair!

It does seem unfair that two working adults with decent jobs and only one child can have an OK lifestyle but that is the maximum. Costs are rising faster than wages so something has to give . Any type of house improvements like gardens , etc have such increased costs for materials alone.

So yes , OP can cover the basics but it doesn't seem unreasonable to expect some disposable income comparative to two FT employment .