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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

How much do you need to earn for 3 kids?

578 replies

Allthegoodnamesaregonegone · 07/10/2024 09:58

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.

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Stillpresent · 02/12/2025 14:31

No I categorically wouldn’t have gone for 3 on that salary and nor with those arrangements (the two parents wfh in the conservatory, kids around, family member dependent etc) .

However you have done the sums, and clearly it works for your family given your expenditure so good luck and enjoy the lovely madness of 3!

Roaden · 05/12/2025 07:58

We couldn’t have done it on that income without very big changes. None of which we would have wanted to make.

it is all very personal and family dependent.

Allthegoodnamesaregonegone · 31/01/2026 19:23

Ah I just found out im pregnant! No ivf needed in the end.

job interview for a promo next week too!

ahhh

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