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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Living alone is tough financially

368 replies

Addictedtofizzydrinks34 · 08/03/2025 21:43

If you have a mortgage or rent a home alone..maybe different if you're mortgage-free or perhaps only renting a room or something.
You have to make sure you can afford everything each month. If anything breaks/needs repairing, you foot 100% of the bill. All renovations are paid for solely by you.
You have to make sure you have money aside for various things.
Living alone has many advantages, but financially it's tough and I'm not sure I can do it for much longer. It's stressful unless you have a lot of savings I think.

OP posts:
SugarandSpiceandAllThingsNaice · 08/03/2025 23:18

@EG94
yet rather than being humble and grateful you bitch

Reported.

Bs0u416d · 08/03/2025 23:19

beadystar · 08/03/2025 22:02

Yes, but OP is talking about the 'single tax.' Single people shouldn't have to just muck in with housemate strangers off the internet or whatever random friend or sibling is available, simply to make ends meet! How awful for one's mental health. There's a huge vulnerability in doing that too. Working single people are financially overlooked as a group, there's no help at all.

Why should there be help? This is just maths. Ota not a tax or a penalty, it's just maths. I'm not taking away from the fact that two people living on a one bed flat will find out cheaper than a single person but it's not anyone's fault and it doesn't require a social or political intervention surely?

EG94 · 08/03/2025 23:19

SugarandSpiceandAllThingsNaice · 08/03/2025 23:18

@EG94
yet rather than being humble and grateful you bitch

Reported.

ok 😂 thanks letting me know. I’ll be sure to laugh react your comment

Differentstarts · 08/03/2025 23:19

SugarandSpiceandAllThingsNaice · 08/03/2025 23:18

@EG94
yet rather than being humble and grateful you bitch

Reported.

You've reported that after how you have been speaking to everyone on this thread.

Spectre8 · 08/03/2025 23:19

mrsm43s · 08/03/2025 22:58

That's a wholly different argument though.

People who earn more can afford more, sure.

Being single without dependents doesn't stop you earning well, indeed it's advantageous compared to those raising children.

But all things being equal, (ignoring the advanages that single people have that helps them earn more) a single person paying for one person expenses is worse off than a couple, no children pooling money, yes.

But better off than a single parent paying for 1, 2, 3, 4 or more children

And better off than a couple where only one person is able to work.

And better off than a couple where only one adult works and one adult provides childcare for 1, 2, 3, 4 or more children.

And better off than a couple where both adults work and they are supporting 1 or more children.

Probably also better off, if working, than retired people relying on state pension, disabled people on benefits, those without jobs....

So in the various family types, one person supporting one person is more fortunate than pretty much every family type apart from couples without children.

Yet on and on and on they whinge about how hard done by they are...

And they whinge every year about wanting more benefits from taxpayers. Never see a budget where a single person no children is given a benefit or financial tax break or indeed some help.

It's the single child free taxpayers paying for benefits for everyone else and yet they want more and then whinge if you dare to aya how life is tough and tell you to house share!

ilovesooty · 08/03/2025 23:20

SugarandSpiceandAllThingsNaice · 08/03/2025 22:35

There is no backstory other than I think it’s a bit too much whining. Yeah being single and not having a partner that makes more than you is a bit harder, but it is second best. It’s tone deaf considering the number of single parents and families with sole breadwinners who have it way worse.

Of course living as a single person is comparatively more expensive. However as soon as anyone dares to say so you get race to the bottom hostility like this.

SugarandSpiceandAllThingsNaice · 08/03/2025 23:21

Differentstarts · 08/03/2025 23:19

You've reported that after how you have been speaking to everyone on this thread.

I’ve been a lot more polite than that. That is sinking to a new level of nastiness to call me the b word.

oakleaffy · 08/03/2025 23:22

Poppyseeds79 · 08/03/2025 23:09

Well I'd have problems squeezing my sofa, cooker, washing machine, fridge freezer, and 2 double beds. Plus me, the dog, and two cats into a single room house share, yes 😂. I've got the usual various amounts of stuff that pretty much everyone has...

Are you telling me you don't have anything in your house at all? Or are you just being obtuse for the sake of it?

Sounds like obtuse to me... Most normal people accumulate stuff, unless living in a furnished rental.

Differentstarts · 08/03/2025 23:23

SugarandSpiceandAllThingsNaice · 08/03/2025 23:21

I’ve been a lot more polite than that. That is sinking to a new level of nastiness to call me the b word.

But the laughing emojis and violins is ok. If you can't take it don't give it but i suppose it fits into your victim complex

melonalone · 08/03/2025 23:23

SugarandSpiceandAllThingsNaice · 08/03/2025 23:21

I’ve been a lot more polite than that. That is sinking to a new level of nastiness to call me the b word.

She literally didn’t, she used it as a verb.

You sound really unhappy in your life. And I don’t feel one bit sorry for you.

CautiousLurker01 · 08/03/2025 23:24

Yep. It’s why so many women stay in abusive relationships. Because financially it is easier and going it alone is effing scary, especially if you don’t have family who can help in a crisis.

EG94 · 08/03/2025 23:24

@SugarandSpiceandAllThingsNaice I didn’t call you a bitch. 🤣🤣 you honestly don’t read. I said you bitch as in instead of being grateful for the safety the UK offered you’re bitching 🤣

DressOrSkirt · 08/03/2025 23:25

Poppyseeds79 · 08/03/2025 23:09

Well I'd have problems squeezing my sofa, cooker, washing machine, fridge freezer, and 2 double beds. Plus me, the dog, and two cats into a single room house share, yes 😂. I've got the usual various amounts of stuff that pretty much everyone has...

Are you telling me you don't have anything in your house at all? Or are you just being obtuse for the sake of it?

You could sell it

SugarandSpiceandAllThingsNaice · 08/03/2025 23:25

Poppyseeds79 · 08/03/2025 23:09

Well I'd have problems squeezing my sofa, cooker, washing machine, fridge freezer, and 2 double beds. Plus me, the dog, and two cats into a single room house share, yes 😂. I've got the usual various amounts of stuff that pretty much everyone has...

Are you telling me you don't have anything in your house at all? Or are you just being obtuse for the sake of it?

I am saying that

  1. it is a privilege to have more stuff than you need and afford to keep pets, and
  2. it is a privileged attitude to think one person must absolutely have a 2 bed house all to themselves because they can’t let go of material possessions.

why does 1 person need 2 double beds (beds for 4)?

TheFatCatsWhiskers1 · 08/03/2025 23:25

Poppyseeds79 · 08/03/2025 23:09

Well I'd have problems squeezing my sofa, cooker, washing machine, fridge freezer, and 2 double beds. Plus me, the dog, and two cats into a single room house share, yes 😂. I've got the usual various amounts of stuff that pretty much everyone has...

Are you telling me you don't have anything in your house at all? Or are you just being obtuse for the sake of it?

Why is your house full of stuff you don’t need?

single people don’t need sofas, sofas are for two people. Sit on a chair.

And as you’re single then you’ve no one to dress up for so the washing machine can go. If you don’t have children then you’ve got plenty of time on your hands so you can wash things in the sink.

not sure why you’ve got two double beds, one single bed (the clue is in the name) or a mat on the floor is sufficient?

MadamePeriwinkle · 08/03/2025 23:25

But better off than a single parent paying for 1, 2, 3, 4 or more children - who would automatically get child benefit, could claim tax credits, 15-30 hours a week free childcare, free school meals and if renting, get a chunk of that paid

And better off than a couple where only one person is able to work - if the other person is unable to work...PIP, DLA, potentially tax credits and rent

And better off than a couple where only one adult works and one adult provides childcare for 1, 2, 3, 4 or more children - again, child benefit, tax credits, subsidised childcare, potentially FSM, rent

And better off than a couple where both adults work and they are supporting 1 or more children - still may be able to qualify for tax credits etc...

Probably also better off, if working, than retired people relying on state pension (pension credits, rent paid or probably no mortgage, attendance allowance)
disabled people on benefits, those without jobs....presumably a choice if they don't fall into another category, and if not Jobseeker's Allowance which could be supplemented by tax credits, help with rent etc

If you are living on your own (which may or may not be by choice), with no kids or adult kids who have flown the nest, there is no welfare state safety net or top ups and no choice but to work more or cut back to the extent one's health and quality of life can be impaired.

Damsonjam1 · 08/03/2025 23:25

At car insurance renewal I advised them I'd been widowed and they put my premium up! I was told that I'm now classed as a single person and considered higher risk.
With regards running a home, in my experience it didn't cost that much more when there were two of us.

Rewis · 08/03/2025 23:25

I think it is sad that we consider a working adult livign by themselves to be a luxury.

BassesAreBest · 08/03/2025 23:25

SugarandSpiceandAllThingsNaice · 08/03/2025 23:21

I’ve been a lot more polite than that. That is sinking to a new level of nastiness to call me the b word.

yet rather than being humble and grateful you bitch because you had to financially support your own fucking family.

This isn’t calling you a bitch. It’s saying that you are bitching (i.e. complaining) about something.

Just pointing this out for the purposes of accuracy.

HauntedBungalow · 08/03/2025 23:25

Anyway OP I don't know what you're whining about. I've got a massive house and eleventy million children while, alas, I have no head. All you have to do is worry about potential destitution and freezing your fruit. You should try living without a cranium once in a while, see how you like that, you massive moaning headful minnie.

lookatthathorse · 08/03/2025 23:25

SugarandSpiceandAllThingsNaice · 08/03/2025 23:21

I’ve been a lot more polite than that. That is sinking to a new level of nastiness to call me the b word.

She didn’t call you a bitch, she said that you’re bitching. It’s a verb in the context she used it.

Geez 🙄

Poppyseeds79 · 08/03/2025 23:25

SugarandSpiceandAllThingsNaice · 08/03/2025 23:21

I’ve been a lot more polite than that. That is sinking to a new level of nastiness to call me the b word.

Well you weren't that polite to me with your snarky comment and worlds smallest violin saying I've got too much stuff? 😂

So, once again... Do you not own anything in your home for you and your family? And if you end up living alone in the future will you be tossing it all in a skip to go and share a flat with a stranger? 🤔

SugarandSpiceandAllThingsNaice · 08/03/2025 23:27

EG94 · 08/03/2025 23:24

@SugarandSpiceandAllThingsNaice I didn’t call you a bitch. 🤣🤣 you honestly don’t read. I said you bitch as in instead of being grateful for the safety the UK offered you’re bitching 🤣

I know what you meant. I owe you no gratitude or humility.
You didn’t personally have anything to do with anything, you were probably a child then.

Newmeagain · 08/03/2025 23:27

HauntedBungalow · 08/03/2025 23:12

A lot of the extra expense of living alone comes down to economies of scale. But, there are some aspects that are more policy driven. Lack of earning top ups is a big one. Council tax is another huge one. Single people pay 50% more than people in a couple. So that's 50% more tax, not bills or food or discretionary spending, that's money the state demands from you. Also, married couples pay less income tax. Fuck knows what the rationale is for that. Single people are more likely to live in smaller dwellings and unfortunately in the UK smaller dwelling inevitably means leasehold which as far as I can work out is a legal fiction designed to fleece householders - thankfully the current government says they'll do away with it; we shall see. All of these things are an extra whammy for single person households.

Yes, agreed. As a lone parent (not by choice) I have felt discriminated against. Paying a lot more tax than couples but getting no help in return.

SugarandSpiceandAllThingsNaice · 08/03/2025 23:28

Poppyseeds79 · 08/03/2025 23:25

Well you weren't that polite to me with your snarky comment and worlds smallest violin saying I've got too much stuff? 😂

So, once again... Do you not own anything in your home for you and your family? And if you end up living alone in the future will you be tossing it all in a skip to go and share a flat with a stranger? 🤔

Yeah if I had to. It’s just stuff. Easy come and easy go. You learn to not require 2 double beds per person when you’ve actualky had a hard life.