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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

What is your household income, how much is benefits, and how are you coping?

814 replies

Gabrilla · 19/03/2025 11:16

Genuinely curious after so many threads on here about benefit changes. Please feel free to name change!

I’ll start:

Salaries for both of us total 90k. Only benefits are £102 month child benefit, though we also get tax-free childcare and 15hrs free at nursery.

Total income is about 6k a month, mortgage and bills 3k, nursery 1k, commuting costs £500, groceries cost £500, husband pays CMS and other bits to his children totalling about £500 leaving us about £500 for everything else.

Feels like we’re constantly penny-pinching.

OP posts:
sellotapechicken · 20/03/2025 17:26

Income is 7700 outgoings are 2500. No benefits, will have to resign soon as I have stage 4 cancer but right now I’m getting full pay. DH is managing partner of a law firm. No children

Josiezu · 20/03/2025 17:35

SleeplessInWherever · 20/03/2025 15:58

I need help with the maths on this.

If nursery is £1k a month, that’s £12k a year. Where’s the rest of the money gone?

But yeah, people who don’t have kids are better off - they’re feeding less people and don’t have any of the costs associated with children. Surely that’s obvious and expected.

The £125k earner wouldn’t be paying £1k for the same nursery space though. They wouldn’t have the 30 free hours, or access to tax free childcare. The higher earner is probably paying double for the same nursery space.

BeHere · 20/03/2025 17:44

SleeplessInWherever · 20/03/2025 16:34

Yeah I’d imagine that if £2k of your salary was going on childcare, and the rest on bills, it’s fairly easy for some to establish that it’s not worthwhile.

£100k trap is still a fairly good trap to be in, there are worse places to be trapped!

There are, but the person in the example won't be choosing between those. And meanwhile the tax take may suffer.

GiveDogBone · 20/03/2025 17:47

Your groceries cost £500 per month? Where do you shop: the Harrods Food Hall???

Moii · 20/03/2025 17:51

I've seen families on benefit packages of £90k so good on them for paying their own way.

Nearlyadoctor · 20/03/2025 17:54

GiveDogBone · 20/03/2025 17:47

Your groceries cost £500 per month? Where do you shop: the Harrods Food Hall???

That’s £115 per week for a family - hardly excessive. I would therefore assume Aldi / Tesco / Asda - much the same as most of the population

rosegoldJune · 20/03/2025 17:55

I’m single take home 1k a month on a good month, part time job in supermarket, desperately looking for a full time job but in my area they few & far between, live in a shared house, rent is half my wage, I’m not entitled to any help towards it as I have no dependents & earn too much!!!

I’ve come to terms with the fact I will never ever have a place of my own (rented) & will always be in shared accommodation now, I can’t afford a holiday, learn to drive etc….i walk to work 2 miles each way as can’t afford public transport

SunnyViper · 20/03/2025 17:56

GiveDogBone · 20/03/2025 17:47

Your groceries cost £500 per month? Where do you shop: the Harrods Food Hall???

Mines nearer 800. Its not extravagant either.

SleeplessInWherever · 20/03/2025 18:01

Josiezu · 20/03/2025 17:35

The £125k earner wouldn’t be paying £1k for the same nursery space though. They wouldn’t have the 30 free hours, or access to tax free childcare. The higher earner is probably paying double for the same nursery space.

Probably, they’re also earning more.

Like many on this thread, I’m in a higher tax bracket - I don’t moan about it, I earn more so I “lose” more, and gain less (nothing) from the system.

Just feels like a fairly fancy problem to have if I’m honest! 😂

Kuretake · 20/03/2025 18:04

GiveDogBone · 20/03/2025 17:47

Your groceries cost £500 per month? Where do you shop: the Harrods Food Hall???

This is very normal - I spend around 700 and it's all from normal shops.

lilkitten · 20/03/2025 18:10

Our income over the last year has been about £26k in total. Not entitled to UC anymore (we're self employed and past the 12 month start up) and receive £170pm child benefit. 2 kids, no housing costs as I received an inheritance a few years ago and used it to pay it off, we need to earn around £1,300 pm between us to cover the bills/food. So we're managing ok, not lavish but not broke, and savings are still in tact.

MarvellousMonsters · 20/03/2025 18:14

Gabrilla · 19/03/2025 11:16

Genuinely curious after so many threads on here about benefit changes. Please feel free to name change!

I’ll start:

Salaries for both of us total 90k. Only benefits are £102 month child benefit, though we also get tax-free childcare and 15hrs free at nursery.

Total income is about 6k a month, mortgage and bills 3k, nursery 1k, commuting costs £500, groceries cost £500, husband pays CMS and other bits to his children totalling about £500 leaving us about £500 for everything else.

Feels like we’re constantly penny-pinching.

This is a spoof right? You have £6k a month and you’re penny pinching? Do fuck off.

I earn around £10k, a year get a further £10k (a year) in benefits. I’ve raised two children to adulthood on this. (I got about £2k more before my children were 18 due to child benefit & a token gesture of maintenance from their dad) I genuinely am penny pinching.

lemonylantern · 20/03/2025 18:15

I don’t get the bashing on these threads, the middle class is disappearing - this is a widely discussed topic today.

Josiezu · 20/03/2025 18:18

GiveDogBone · 20/03/2025 17:47

Your groceries cost £500 per month? Where do you shop: the Harrods Food Hall???

A month, for a family of 6 most of the week? Where do you live, 2003?

Thesquaregiraffe · 20/03/2025 18:19

Gabrilla · 19/03/2025 12:55

It’s on the list but this month we had our MOT which cost over £500 so all of the spare income. DH needed new glasses and SC needed new trainers last month plus we bought a stair gate and a bigger car seat for the baby. It seems every month there’s some new cost which wipes us out.

Absolutely this. Every month something ‘additional’ to try and pay for.

Im a single mum who doesn’t take home anywhere near what you do (roughly 1,700) but I own my house and so I have no mortgage/rent.

Everything this month has gone up in price. And whilst it’s only a couple of ££ here and there, it does still add up. I’ve needed to pay for a school trip, an overnight stay where my parents live (they’re late 80’s and sometimes my help is needed), and I’ve needed new tyres for the car and I’m trying desperately hard to pay more into my pension.

I do survive, and we are able to do nice things now and then - but we by no means live a luxurious lifestyle.

Oh and I’m in the south so things are more expensive!

Josiezu · 20/03/2025 18:25

@SleeplessInWherever Probably, they’re also earning more.

Literally the point is there’s a huge cliff edge just above 100k where if you have preschool children you’re actually not earning more than someone on 10’s of thousand less in salary.

Freud2 · 20/03/2025 18:25

Togglebullets · 19/03/2025 11:43

Oh. Really? Why would you have a 'better lifestyle' when you have made choices that result in large outgoings?

Maybe trade down and buy and buy a smaller house to decrease your outgoings?

SleeplessInWherever · 20/03/2025 18:31

Josiezu · 20/03/2025 18:25

@SleeplessInWherever Probably, they’re also earning more.

Literally the point is there’s a huge cliff edge just above 100k where if you have preschool children you’re actually not earning more than someone on 10’s of thousand less in salary.

Literally the point is that you still have a £100k salary. I can accept that makes life more expensive, and you therefore end up with less in real terms, but imagine complaining about being on £100k when there’s people on this thread with a 10th of that.

I’m not at that cliff edge, but really do think that some just need to get some perspective of the hardship that other, lesser paid, people face and be a little more humble about their first world problems.

RH1234 · 20/03/2025 18:32

Combined 140k, no benefits (quite rightly), we spend a lot though so not a lot left each month. We have horses, if we didn’t we would have lots of spare cash and smaller mortgage, but that’s our lifestyle.

Daineseturbo · 20/03/2025 18:37

£115k household income, zero benefits. About £6,700 net per month.

total bills (inc mortgage and food, vehicles, fuel) is £3800, discretionary spend c.£1000, the rest into savings.

Anudawan · 20/03/2025 18:41

Doggymummar · 19/03/2025 11:46

Income of £120k, combined rent and bills £3000 a month zero benefits.

Same income annually but bills are more like £3500.

we get child benefits have to pay about £300 back annually

we can afford most things ie holidays and days out but there are months where we barely save ir even dip into savings if there’s a large bill (£1k car repair for instance)

I do feel like I don’t quite live the life I want to though and we can’t afford to move

Josiezu · 20/03/2025 18:42

SleeplessInWherever · 20/03/2025 18:31

Literally the point is that you still have a £100k salary. I can accept that makes life more expensive, and you therefore end up with less in real terms, but imagine complaining about being on £100k when there’s people on this thread with a 10th of that.

I’m not at that cliff edge, but really do think that some just need to get some perspective of the hardship that other, lesser paid, people face and be a little more humble about their first world problems.

You’re spectacularly missing the point, there aren’t people on 1/10th of OP’s take home income at all. Because anyone earning £600 a month is huge propped up by an array of benefits! So someone on 1/10th if OP’s salary does not actually have 1/10th of the money in real terms.

Tonkie18 · 20/03/2025 18:44

ive been reading all of these threads and I’ve been too worried to comment as I know the kind of bashing I will get. But I’m so scared of all these changes and really need some advice.. or to know I’m not alone. It will be long (sorry) to give context.

My daughter was born with an autoimmune disease (eosinophilic gastroenterocolitis) and she has been on DLA since she was 2 (now 16). At the time I was caring for her and my elderly father. I was doing a degree in the hopes when she could look after her condition a bit more when she was older I could return to work.

My Dad died and I threw myself into a Masters degree. During this time I met my now DH. We fell pregnant with our son. He has a Feto Maternal haemorrhage and lost 70% of his blood into me. He had a stroke and they diagnosed him with cerebral palsy. He said he might never walk.. but when he got to 18 months he did start walking and we were over the moon. We thought he was going to be ok.

I had completed my Masters and did very well, I was offered a place for PhD and I had been putting it off while DS was little. I fell pregnant again and we did want another - we thought because our first son was going to be fine, we would be able to handle it. DH has a good job and can earn good money. We decided to have the baby and when they both went to school I could return to study.

little did we know at that point my health would start to decline. We also didnt foresee our sons issues as the doctors had said only his mobility would be affected. He now has Cerebral palsy, epilepsy, ADHD and possibly autism. His epilepsy medications exacerbate these conditions and the household is a very stressful place. He also gets DLA.

I started getting recurrent pneumonias, allergic reactions, joint swelling, just lots of things I ignored (like you do as a mum). Until my hand was swollen twice the size. Long story short I’m battling my own autoimmune disease (lupus or rheumatoid) they think was triggered by my son bleeding into me. I’m on very strong immunosuppressants and it can be difficult to mobilise. Currently my hands are covered in blisters from the sun. It’s debilitating.

Obviously throughout all of this, my partner has been able to work less and less as he needs to provide more support at home. He works half the hours he used to.

Originally we had started saving for a mortgage. I had been renting privately for 10 years and we both wanted a forever home so we started to save in 2018.

in 2020, the first eviction happened. Our landlord was selling. As it was Covid and there was so very little on the market we were completely stuck. Council won’t house us. They advised us our best bet was to get another private rent otherwise we would end up in temporary housing indefinitely.

The amount of applicants to each house was awful. And obviously nobody wanted to take someone on benefits (at this time I was just my daughter’s carer) over other applicants both working. We were turned down and discriminated against time and time again. They’re not allowed but it happens.

People were literally trying to bribe letting agents with 20k cash and we couldn’t compete with that.

we were forced into a much higher rent (£1800) miles away from their schools. The commute was terrible and I was in and out of hospital at this time. This obviously ate into our savings.. especially as my partner couldn’t earn as much anymore.

within a year the landlord tried to increase the rent to £2000. We got it down to £1900 but then he told us he was selling up. We were getting evicted again. This time we had to cover all of his legal fees and it’s left us with nothing.

We were forced into a higher rent again.. in a horrible area.. not great house. They handed us the keys and gave me and my son gas poisoning. There’s mice in the garage. Landlord won’t repair anything. They even refused to have it cleaned before we moved in it was filthy. For £2000 a month. We are terrified of rent increases. Terrified of eviction again. My health can’t take another one.

we will never be able to save for the deposit with bills this high and there’s just nothing around and we are never chosen.

Our medical costs are ridiculous each month for the three of us with health issues. Especially my son with epilepsy equipment. But his DLA, my PIP and my daughter’s DLA has to go on the rent and bills.

Ive read so many posts on here people bashing benefit claimants so this was hard to write. We are completely trapped in the renting system. Completely trapped on benefits. We get our home ripped away from us every other year at the minute and the stress is crippling.

I don’t know how to get out of this situation. No one will or can help us. It’s awful.

I also thought it might make others feel better about their finances. We have nothing left over, always in the red. And we have to go without medical equipment and medications etc to pay the rent some months.

I guess I just had to get it out. I’d give anything to go do that PhD and not be riddled with disease. To have a mortgage, give my kids security and be like all of you. I really would.

AnotherNaCha · 20/03/2025 18:46

Just read a few posts plus OPs. Honestly, this country! It’s increasingly an existence rather than living when we’re all scraping for very occasional entertainment like the theatre, never having holidays and haircuts being a luxury. And it’s not right to say every country is suffering - not to this extent! Surely general quality of life should be going up and not down? 20 years ago felt like the £ went a lot further… wages have not kept up with every other cost… why?! The top 1% or whatever must be creaming it. Time to strike, people. Only the system is so opaque that its made sure we can’t quite band together to target what exactly we’re striking against

Flozle · 20/03/2025 18:53

Togglebullets · 19/03/2025 11:43

Oh. Really? Why would you have a 'better lifestyle' when you have made choices that result in large outgoings?

What choices have resulted in large outgoings? There’s nothing on there that suggests an extravagant lifestyle.

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