How are people managing to pay the bills in this shit show

[Allthenameshavegone1972]

My daughter, fiance & dgs moved into their small, rented house nearly 3 years ago. Finding it a big struggle every month with the rent being £860. We, & her in-laws are guarantors for their rent.
I've found out her fiance has asked to borrow money for rent from his mum & for the second time my daughter has asked to borrow as he has not had the overtime. They obviously can't afford it. Both trying to get pay rises but it's hard in this day & age.
At the grand old age of 60 I was hoping to take a break from my office job, which I hate, for a few months and then go temping or work part time. We can afford for me to do that. If, on the other hand, I'm working full time then we can afford to be guarantors for their rent. Cant win either way!
She wishes theyd never rented now. They were living with her inlaws who have the space for them. She wishes she'd saved that rental money for a deposit instead. Their only option is to go back living with them, or all us parents carry-on working til we drop to pay for their rent. At 60 years old we should not have the pressure of working til we drop to pay for our adult dc's rent. We're not going to be in the best of health to work forever as we get older.
My dd is despairing, saying that she can't see life getting any better. I agree, unless us parents die relatively young without needing a care home and they inherit from us.
This shit show of a housing & col crisis is at breaking point, something had to be done, but I don't know what! 😡😡

I don't think people seeking asylum are those at fault here.

Of course I've read it including the very low rent jesus they earn more than me and I'm paying a mortgage of £1600 a month ......why should they be able to get a council house when they have an affordable home? Council houses are rare.

They shouldn’t be able to get a council house , absolutely ridiculous to think they should on what they earn .

I think you've posted on the wrong thread.
I'm so sorry for everything you've been through ❤💐

Unfortunately I concur. Rent in excess of 1k per month (north of country otherwise it would be more) and income (single parent) of £2300 with some after school childcare and holiday childcare to pay for and no help (such as UC) as currently have savings over £6k. I manage as in I have to manage. Do not delay your retirement to help your children as they have to learn to live within their means.

I'm on £13.40 and my take home is 1,600 working full time hours, so I'm assuming minimum wage is a few hundred less than than

So, on a wage of £240 per week you could afford a rent of £860 per month?? Pray tell me how?

They can't claim if they are both working full time and earning that much, they will be declined. Am I right?
Unless one of them quits but then the £300 and £700 rent paid for then will surely be less than a full time wage?
Am I missing something here as I'd rather claim UC too if I'll be better off..

Agree with others OP. That rent isn’t too bad at all and should be manageable even if they are both minimum wage. Someone needs to sit down with them and go through all their outgoings, etc and work out where the money is going.

I think she's saying she brought her daughter up better than to be a scamming liar, laughing at her for giving her money all the time when she asks for it

Yes true . But her daughter may not think she’s scamming her or laughing at her but she’s definitely taking advantage .

The rent on our flat was £800 twenty five years ago. Money was tight but we got by - even when only I had a job. I don't understand why they're short on money if both of them are working.

They are adults and both working if they can't afford this rent they must be spending their income somewhere they need to act like adults and sort out their finances themselves not rely on parents!

I don't know where all this council house business has come from. They've never applied for one!
My op has been done to death please stop!

It's really hard now. My DS and DiL are shit hot with money and spend nothing on themselves and I've still had to help them out on occasion.
They have just bought their own home and moved to a cheaper area but without help from parents it can be Impossible.
I'll do everything I can to help them. It's important to have a secure home.
It wasn't anywhere near this tough when I was their age even as a single mum.
I do think rent is wasted money though if they can live with the in-laws.

They should be claiming UC if possible to help but then that would probably be eaten up by the wage but, do they have childcare, a lot think it’s easy but the fight with childcare and UC isn’t so straightforward when you’re working.
advise them to go on Turn2us and put all their scenarios in to get a calculation of any help they can get.
you really shouldn’t have to keep working to keep your child but that’s the situation we’re in at the minute in this godawful country. They will take anything so we’re on our knees.

If they want your help, op, and you’re willing and able, can you sit down and go through their outgoings? Something isn’t adding up for an income of £3700 and rent of £860. Obv there is finance x2, there will be council tax, water bills, insurance, mobile phones, sky tv I’d imagine … but yeah, they should def not be struggling the way they are.

The last bit is the part that some of us are gobsmacked by.
I can't imagine not getting anxiety around debt. It is crazy how differently people think about stuff like this. I experienced my parents' being unable to pay the mortgage and it has given me a very risk averse attitude. My brother grew up, left home, and ended up bankrupt (he wasn't self employed, just bad with money and worse with time).
I can't imagine not thinking through a car loan. Or having 2 car loans in one family. You share a car and use public transport until you get a bit further on in your careers, surely?

I think you need to stop people posting or whatever, because it will drive you insane , especially when posters haven’t bothered reading your updates so they may as will be talking into thin air .

I hear you, OP. Oh - how I hear you.

You all sound so judgemental. Do you all live in the South or something. That is a lot to pay in rent. In Manchester the rent was a third less than that just a couple of years ago, now greedy landlords have upped it to an extent people cannot pay. Minimum wage is 11.44 that for 38 hours is 434 pounds so if one person works that then half their wages are going on rent. When you have a small child it's hard for both to work as much as that. If their child is under nursery age then they might face high childcare costs and it's horrible having to leave your baby every day. Why should she do that? Yes OP it is hard. I don't know what can be done. We need this ridiculous housing bubble to drop so that people stop thinking they can make easy money off people's needs for a home.

The OP says they don’t pay childcare - their family do that too.

The OP also says they earn £3,700 between them with child benefit on top. The rent is less than a quarter of their combined salaries. She further says they have no debts.

I accept many people are struggling through no fault of their own but the OP’s daughter and her fiancé are not in that category - there is no way they should need help to pay the rent if their finances are as described by the OP. Something has gone very wrong.