How much do you need to earn for 3 kids?

[Allthegoodnamesaregonegone]

When you don’t live in London and have very average expenses?

for arguments sake, I googled and saw the average mortgage is £1400
average heating for 4/5 people is £200 a month (British Gas website)

assume no ‘bad debts’ and no private school

id love another kid, if possible, but I do see on here often on the cost of a third and that being a large factor, so I’d like to understand what is the amount people think you need to earn pre tax to live comfortably with 3.

Yes they’re modest where I live (outskirts of London)

good benefits though!

impressive only £300 in CB payback

We worked in the conservatory / bedroom with my mum looking after 2 toddlers for an entire day rather than an hour at the end of the day, probably why it doesn’t worry me hahaha

But the benefits was not my reason for posting

it was how unpleasant and stressful this sounds for you, your husband and your very young children (and relies a lot on a family member being available a LOT!)

So separate offices?

how old is this family member?

Op, not sure how to say this so I’ll just jump in, but are you ND? Or think maybe you are?

So your take home of £6.3k is after all tax and pension deductions?

Well he put a big amount in his pension through salary sacrifice the car deductible is salary sacrifice too so that took the figure down.

we don’t live in london. The average salary in London is about 70k isn’t it ?

Well London is pretty big! Around my area in zone 2 - not it’s much more than that.

So the £6.3 take home is after all deductions?

Anyway I’ll leave you be as you have a tendency to get very focussed on one particular poster!

my point is - sounds manic for the entire family including your kids and mother

That was the yr before it’s about 6.4k now, but hubs through work gets the HI, enhanced insurance, and the car so he looses a fair amount monthly, plus student loan, pension etc

What a snarky little comment, I just reply to comments on the thread as that’s what it’s there for

He’s still paying off his student loans and he is in his mid/late thirties??!

Well it goes back to my question whether you are ND

But anyway I’ll hide thread

good luck

Of what relevance is neurodiversity? You seem nice

As are most people I know. He’s in his mid 30s, like me… who is also still paying it back. He has less than me because he’s earned more for longer and i only started working later when I finished my PhD

In the UK people are paying what is effectively a graduate tax for most of their working life.

She knows that but is obviously trying to put the boot in for some reason, implying I’m autistic (really dislike when people try to use neurodivergence as some sort of slight), the comment about our salaires being small and then the implication that my husband is some sort of looser for still paying back his stupid loan.

Or she's from a country where people pay back student loans as a matter of priority because it impacts your credit rating. MN is becoming global so you increasingly see comments like that that show no understanding of the UK.

She said they live in London

not cross but I think that poster definitely was trying to be not so kind. I don’t really care if you think my salary is modest or not. It is what it is and it won’t be that way forever.

yes, you’re a bit older than me, and I imagine you had £1k tuition fees and perhaps even grants available. The fees had been increased for a while before we went to university.

one day a week is extensive reliance on family? Guess it depends on the family but it’s just how it’s always worked for mine.

yes I hope I fall pregnant too and get to take many many blissful holidays!

we’d put the youngest in 3x a week, a family member would watch the youngest at our house one day, eldest would be in wrap 3 days and we’d take 30 mins out in the day to collect the older two and the family member would supervise til 5,

isn’t that one full day a week
plus 3 days until 5?

either way… reading what you have planned as to how you’d both work full time in the conservatory and childcare arrangements made me come out in a cold sweat.

Those holidays are going to be well deserved!

I’m in Sevenoaks, and £50/60/70k is not a high salary.

I don’t want to offend you op. But it’s fact.

i mean.. it’s a very decent salary! But a high salary, it is not around where I live.

But I can certainly imagine in parts of the UK, it definitely is, and you obviously live there

No it would be one day a week and that’s it, although for some I guess that’s extensive.

the 3 days my older kids would be in wrap around club as they currently are.

the other day would be our lieu days.