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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:
Isitforreal1942 · 21/03/2025 13:07

JHound · 21/03/2025 12:19

Oh it’s that easy. Let me just switch industry and leave London.
Make it a lot harder to find a job given I will have to start with zero industry knowledge and likely have to move back into a field I hate but who cares about that!

Edited

100 k in London, if you are paying childcare and rent/mortgage is not rich.

child care for a month where I live, £2600, a two bedroom flat - let’s say you are lucky enough to own and your mortgage is 2 k a mth…..this is low if you bought in the last 10 years…..then let’s add bills, commuting, food, clothes etc etc……

A 100 k salary, allowing for 5% pension, and student loan repayment, plan 2, net income is 4973.

At this income level, there are no child benefits and you lose the childcare element, so if your partner is on 60 k….decent salary….

as basic you have:

day care. - 2600
rent/mortgage - 1800, two bedroom flat, zone 4 (cheap for London standards).
bills (council tax/utilities) - 400
food - 600
travel (tube) 3 days a week - 12.30 each, 295 a mth , for 4 week mths, therefore annual leave has been automatically excluded
life insurance/ critical care - 120 mth (so at the lower end)
phones/ internet/ TV - this is at the lower end- 100
clothes/ shoes - 150 mth (again lower end)
car - (payment, insurance and running costs) - 300
pet (food and insurance) - 80.

all of the above is at the lower end of the estimate.

£6445. This is with a low estimate for those things as set out above.

If one person in a couple is earning 160k, with a student loan and a pension contribution of 5%, their take home is 6769. So they have circa 200 quid for savings/ holidays/ emergencies/ meals out/ soft play etc. yes it’s easy to see why a six figure salary is living like an oligarch in London. Come on!

if it’s two you, one on 60 k, one on 100k the take home (with same pension and student loan) 3421 PLUS 4973 - 8394. Again costs as set out above are low - is it really going to be 1800 quid a year for clothing and shoes for two adults and one child…with the adults in most likely, professional
jobs.

a household income of 160 k sounds a lot, in reality - a couple earning that cannot afford to have two children and work full time living in London.

anon666 · 21/03/2025 18:24

Chungai · 21/03/2025 10:50

I wish this was true but now our DC are at school our wages aren't keeping up with inflation. I like my job but the industry isn't well paid. I see senior jobs in my industry paying 40k (I'm talking Head Of, board or CEO level in some cases!). Ditto with my partner's job. He can't move as his salary would halve.

Sorry to hear this. Yes of course you're right. Everyone is having to tighten belts with the cost of living increase exceeding salary increases.

But generally speaking things do get easier financially as your kids get older.

NotALotToLose · 21/03/2025 21:17

Ap42 · 20/03/2025 23:14

No. Please re-read my income.
The children's Dad is a high earner, he pays for his children. That makes up a fair whack of that income. Not forgetting my wages which as a senior nurse working for x amount of years for the NHS I'm at the top of my banding.
On top of that my disabled son is in receipt of DLA at high rate. I would give the money back in a heartbeat to take away his struggles. So please be less ignorant when you post!

A band 6 nurse is on £40K ish a year if they work full time, as you work part time, this would be less..so you must get a pretty significant chunk from a mixture of ex partner and the state to clear £4K a month. What will you do when you are no longer eligible for CM if it's topping up your income so much?

NotALotToLose · 21/03/2025 21:29

Snakebite61 · 21/03/2025 12:18

You don't know you're born.

Why does OP not know she's born? Their situation sounds like many young families in SE area.

iamnotalemon · 21/03/2025 22:25

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.

@Tonkie18

It sounds like you’ve been through an awful lot and I’m really sorry to hear that. x

Anonanonanon2025 · 21/03/2025 22:42

OK, here's one. I've name changed

I earn £1231 a month working 26.5 hours a week term time only.

I have two disabled children. One on HRCLRM, the other on MRCLRM. They get £954 between them.

£2002 UC which is made up of the following elements: standard £393.45, children £621, rent £600, carers £198, disabled children £644 then minus a deduction for my salary.

Child benefit £170 4 weekly.

I'm a single parent. My child on HRC in particular has no childcare options. They sleep about 3 hours a night.

If I consider i get £198 carers element and their disability money to a total of £1800 a month of that money. Both children have full time 1-1 care at school, one is regularly on 2-1 so that is 3 adults vs just me at home.

Ap42 · 22/03/2025 00:40

NotALotToLose · 21/03/2025 21:17

A band 6 nurse is on £40K ish a year if they work full time, as you work part time, this would be less..so you must get a pretty significant chunk from a mixture of ex partner and the state to clear £4K a month. What will you do when you are no longer eligible for CM if it's topping up your income so much?

By the time my children are adults, they will need me less in a physical and financial sense. In which case I can work full time again. They will be contributing to the household, or away at uni if that's what they choose. Either way my costs will go down and my income will primarily come from my wages.

Nothanksiwillwalk · 22/03/2025 06:20

It really isn't about how much you earn but how much your life is costing you.

I have a combined wage about 20k above OP's. I have been obsessed over the last 10 years to get rid of any debt and reduce my outgoings and I now feel the richest I have been in my life.

The earlier years with balancing and paying for children is brutal but hang on in there, it really does get easier.

Redty10 · 22/03/2025 08:33

2024onwardsandup · 19/03/2025 12:25

How’s you husbands ex going with his £500 I wonder when you’re struggling on £5500…

Ex could well be earning 100k plus for all you know and he may have kids 50% of the time or more.
why does Mumsnet constantly want to bash fathers who are paying, there are many out there who don’t pay and don’t have the kids either

Jackiepumpkinhead · 22/03/2025 10:33

Josiezu · 19/03/2025 18:48

The OP doesn’t pay 1.5k at nursery though so it doesn’t matter if your friend did?

“Where do you get £800 from? Try £1500 per child.”

She can’t save on her £1k nursery bill by employing a full time nanny.

Are you a rock in a wig?? You’re just repeating random tidbits not relevant to what the OP has posted.

You’re a complete twit! The OP wasn’t asking for money saving ideas from you. She was discussing salary, lifestyle expectations etc. You do know you don’t have to stick rigidly to one theme, other things can be discussed.

Xenia · 23/03/2025 13:16

Tonkie that sounds very difficult. In some ways it feeds into my view that couples should buy before babies 0 that is what my parents did - putting off having babies for 8 years both working full time on professional salaries to buy a property and only then had us. Same with me - we both worked full time with 2 professional salaries before buying a property in the 1980s and only then having children and then my children who are married with children the same. It is my "buy before you breed" advice. If people can encourage their children not to have children until they are married and have bought a property even if that property has to be on Orkney or in Cumbria to afford a place then do that.

That is obviously no use to you now but we can certainly help the next generation.

spicemaiden · 23/03/2025 14:31

‘Buy before you breed’ 🙄

Xenia · 24/03/2025 08:18

The advantage of that too (although it did my my parents slightly old parents I suppose) is that for mortgage purposes you also have the two full time salaries coming in so it is easier to get a mortgage without childcare costs being looked at by the provider too so lots of advantages in it and those from the generation who did not do that can certainly try to encourage their children to marry someone and both have 2 good full time salaries, buy a property and then have a child.

JHound · 24/03/2025 09:46

Xenia · 23/03/2025 13:16

Tonkie that sounds very difficult. In some ways it feeds into my view that couples should buy before babies 0 that is what my parents did - putting off having babies for 8 years both working full time on professional salaries to buy a property and only then had us. Same with me - we both worked full time with 2 professional salaries before buying a property in the 1980s and only then having children and then my children who are married with children the same. It is my "buy before you breed" advice. If people can encourage their children not to have children until they are married and have bought a property even if that property has to be on Orkney or in Cumbria to afford a place then do that.

That is obviously no use to you now but we can certainly help the next generation.

That would mean a lot of people never having children - especially poorer people. I lived in a rented household until my mom and step-dad were able to but when I was at uni. Had they not had kids till then likely my mom would not have the family size she wanted. Loads of families reproduce in rented accommodation - it’s fine.

Bologneselove · 27/03/2025 22:30

Xenia · 23/03/2025 13:16

Tonkie that sounds very difficult. In some ways it feeds into my view that couples should buy before babies 0 that is what my parents did - putting off having babies for 8 years both working full time on professional salaries to buy a property and only then had us. Same with me - we both worked full time with 2 professional salaries before buying a property in the 1980s and only then having children and then my children who are married with children the same. It is my "buy before you breed" advice. If people can encourage their children not to have children until they are married and have bought a property even if that property has to be on Orkney or in Cumbria to afford a place then do that.

That is obviously no use to you now but we can certainly help the next generation.

what an old-fashioned way of thinking. You’re not living in the real world 😂

Amberjane41 · 27/03/2025 22:44

How is a couple on 90 grand a year eligible for child benefit but a parent on their own is not earning way than that? Housing costs and bills aren’t that much less for a parent living on their own. Plus it’s harder to get childcare if there is only one of you to do it. That can’t be right surely?!!

Blondeshavemorefun · 31/03/2025 12:31

Sheldonsheher · 20/03/2025 22:54

ok so your not a single parent in a financial sense. I don’t get a bean from my children’s dad which makes things difficult. I thought the state was topping you up to £4k. Tax is so high the more you earn!

Why don’t you get anything @Sheldonsheherfrom ex

i did a cms claim and as ex on benifits I will get think £28 a month for one child - wrong but better then nothing

Sheldonsheher · 31/03/2025 18:08

Blondeshavemorefun · 31/03/2025 12:31

Why don’t you get anything @Sheldonsheherfrom ex

i did a cms claim and as ex on benifits I will get think £28 a month for one child - wrong but better then nothing

Thanks I did put a claim in but they didn’t pay. Also i left due to dv so decided not to pursue to keep them out of my life.

Blondeshavemorefun · 31/03/2025 18:14

Sheldonsheher · 31/03/2025 18:08

Thanks I did put a claim in but they didn’t pay. Also i left due to dv so decided not to pursue to keep them out of my life.

Ah. That’s thought. Sorry about the dv 💐💐💐

if they don’t pay it can be taken out of their pay directly. Costs them a little more and you get a little less

bobbylovescats · 07/10/2025 16:58

This thread highlights the problem with how people work this out, for example a kid working in McDonalds living rent free at home could say they have 1400 disposable cash, and someone paying a mortgage, kids cars etc could say they only have 400 disposable.
Also explains why so many think they are owed benefits or foodbanks, they can't see that spending money gets you stuff which means you have less money left.

Its about being intelligent around money and where it goes, for example if you are paying for a mortgage the bigger picture is that is a good use of money so should not be looked on as a hardship...

The easiest way to work it out is minus any stuff that literally HAS to be paid.
so for us, DH earning less as he looks after getting kids to and from school but jointly its about 60k after taxes pensions.

mortgage essential bills (including virgin media as it is essential in a way) and food is 1500
3500 left in the month, that doesn't mean we have 3500 left at the end of the month, it simply means once vital stuff is paid for to keep a roof over heads and food in belly, we spend it on life....

If we decided to spend that 3500 on a holiday, we could hardly expect to moan to someone that we had nothing left at the end of the month could we??
Which is always how people frame it!

Trust me that 3500 goes on a lot of things, savings, kids activities etc etc.... i could never see that as a thing to moan about and plead poverty....
Sorry to sound so abrupt but its a bit rage inducing when people don't separate the essentials.

Imagine if you will, winning 1 million pounds... then telling people you are skint and have nothing left after you purchased a 750,000 pound house outright, two flash cars for 50k each and put 100k in a trust fund and had 50ks worth of gadgets furniture for your house.....

I hope some get my point....

I could live in a tent in the forest with my kids and be loaded....... but really?
Just make it make sense...

spicemaiden · 07/10/2025 20:06

bobbylovescats · 07/10/2025 16:58

This thread highlights the problem with how people work this out, for example a kid working in McDonalds living rent free at home could say they have 1400 disposable cash, and someone paying a mortgage, kids cars etc could say they only have 400 disposable.
Also explains why so many think they are owed benefits or foodbanks, they can't see that spending money gets you stuff which means you have less money left.

Its about being intelligent around money and where it goes, for example if you are paying for a mortgage the bigger picture is that is a good use of money so should not be looked on as a hardship...

The easiest way to work it out is minus any stuff that literally HAS to be paid.
so for us, DH earning less as he looks after getting kids to and from school but jointly its about 60k after taxes pensions.

mortgage essential bills (including virgin media as it is essential in a way) and food is 1500
3500 left in the month, that doesn't mean we have 3500 left at the end of the month, it simply means once vital stuff is paid for to keep a roof over heads and food in belly, we spend it on life....

If we decided to spend that 3500 on a holiday, we could hardly expect to moan to someone that we had nothing left at the end of the month could we??
Which is always how people frame it!

Trust me that 3500 goes on a lot of things, savings, kids activities etc etc.... i could never see that as a thing to moan about and plead poverty....
Sorry to sound so abrupt but its a bit rage inducing when people don't separate the essentials.

Imagine if you will, winning 1 million pounds... then telling people you are skint and have nothing left after you purchased a 750,000 pound house outright, two flash cars for 50k each and put 100k in a trust fund and had 50ks worth of gadgets furniture for your house.....

I hope some get my point....

I could live in a tent in the forest with my kids and be loaded....... but really?
Just make it make sense...

Edited

im impressed your essentials only find to £1500.

Where I live in the midlands a small 3 bedroom house to rent is around £1100. Essential household bills are aroubd £500 and that’s without any broadband. I’m left with 200 for food, car/petrol (I have to have a car gof work) and everything else (and I work full time)

Just another way his it shows that thise having to rent often havd no choice but to claim benefits - I earn above minimum wage but still cannot afford even yhd basics

PalePinkPeony · 08/10/2025 07:46

bobbylovescats · 07/10/2025 16:58

This thread highlights the problem with how people work this out, for example a kid working in McDonalds living rent free at home could say they have 1400 disposable cash, and someone paying a mortgage, kids cars etc could say they only have 400 disposable.
Also explains why so many think they are owed benefits or foodbanks, they can't see that spending money gets you stuff which means you have less money left.

Its about being intelligent around money and where it goes, for example if you are paying for a mortgage the bigger picture is that is a good use of money so should not be looked on as a hardship...

The easiest way to work it out is minus any stuff that literally HAS to be paid.
so for us, DH earning less as he looks after getting kids to and from school but jointly its about 60k after taxes pensions.

mortgage essential bills (including virgin media as it is essential in a way) and food is 1500
3500 left in the month, that doesn't mean we have 3500 left at the end of the month, it simply means once vital stuff is paid for to keep a roof over heads and food in belly, we spend it on life....

If we decided to spend that 3500 on a holiday, we could hardly expect to moan to someone that we had nothing left at the end of the month could we??
Which is always how people frame it!

Trust me that 3500 goes on a lot of things, savings, kids activities etc etc.... i could never see that as a thing to moan about and plead poverty....
Sorry to sound so abrupt but its a bit rage inducing when people don't separate the essentials.

Imagine if you will, winning 1 million pounds... then telling people you are skint and have nothing left after you purchased a 750,000 pound house outright, two flash cars for 50k each and put 100k in a trust fund and had 50ks worth of gadgets furniture for your house.....

I hope some get my point....

I could live in a tent in the forest with my kids and be loaded....... but really?
Just make it make sense...

Edited

How are your essentials only 1500? Our mortgage is that alone and then £350 council tax a month, £200 gas/ electric, £100 bus pass for 2 kids for school and £270 train fayre for the other for college, £200 for DH to commute, £600 food and that’s trying to be careful, then petrol and water rates and insurance of top of that.
We also earn 5k per month!

Katemax82 · 08/10/2025 07:55

My husband gets 72k
UC of around 600 a month depending on his wages
Dla 414 a month
Carers allowance 83 a week
So around 5 to 6k a month in total

MellowPinkDeer · 08/10/2025 07:59

Katemax82 · 08/10/2025 07:55

My husband gets 72k
UC of around 600 a month depending on his wages
Dla 414 a month
Carers allowance 83 a week
So around 5 to 6k a month in total

How does a household of 72k qualify for UC?? This is madness

KaitlynnFairchild · 08/10/2025 08:08

Combined income between 82-90 dependent on overtime. Child benefit £170 a month take home £5600 + depending on overtime

Household bills £1600per month

Company car for one - fuel costs £60pm

Owned car for another - costs of £140pm

No childcare

Food approx £600

We manage to save and have holidays etc