To ask what you think of this joint income?

[Fineapple1]

Joint income of 7596 including child benefit

verdict…
more than enough
enough
could be better

i know it’s dependent on outgoings but but as a general income.

I don't understand how you even get CB. We are on less than what your combined is and we don't qualify...

Obv having £7.5k a month is a lot

even more so if you have £1.5k left over before pay day

when some people earn £1.5k a month

“You can both earn 49K take home pay and be able to claim child benefit. If one of you earns 50k take home pay or over then neither of you can claim child benefit ”

so how much is your annual salaries broken down OP?

That’s not true…it’s a sliding scale from 60-80k after pension deductions etc and then once you hit 80k it’s cut off.

Never answered the last question.

We both earn ~ 63k but make pension contributions.

I think your salaries being so equal is great - my household its all one which is much riskier. It does mean though that I can see why either one of you might want to progress a bit. That's a very middling salary depending what your husband does do you think he's just looking for career progression meaning the fact that you're overall managing well might not be the main driver for seeking a promotion?

Google obviously let me down on the CB threshold! Sorry
Does seem crazy on a more population wide level that benefits are receivable at such a good income though. A throwback to when everyone got it regardless of income I suppose, but given so many are struggling at really low income levels, it’s an anomaly I’d love to see end personally

Most people cannot save that much regardless of what they spend their money on.
Most people do not buy designer clothes, or get their nails and brows done every month.
They still cannot have £2000 a month.

You either don’t get it because you’re dumb, or you’re still just being goady. I assume the latter.

Live in the real world? That means most people here having a monthly income the same as you’re saving. Do you actually understand that? You save £2k per month - some people don’t even get that as a wage. Many people can’t even afford to save a single penny. Many people live literally hand to mouth.

Honestly, you’re beyond shocking in your lack of awareness.
And to answer you before .. yes you did ask for help - opinions and advice is help.

Of course i understand that! I’m not disputing that.

This in a nutshell.
If you really can't understand that this is an excellent income with your monthly outgoings then I despair.

Read the room @Fineapple1

Way more than enough. We’re about 4500 and pretty well off

I never said it wasn’t, it was my dh that said we could earn better

But it can be both - he isn’t wrong

It IS an excellent income but that doesn’t mean it isn’t possible to improve it. What you have is to decide is whether it’s worth it (extra work,responsibility etc) or not

Agreed!

I got a C at GCSE maths.
When I was 17 I had a part time job that paid £400 a month, I had no outgoings, I was VERY comfortable on that salary!

When I was 21 i had a job and earned £1400 a month, free food, phone and rent.
I was VERY comfortable on that salary.

My DH and I now earn 80k between us, our mortgage is lower than average, our childcare expenses just finished. We go on lots of holidays and save a few hundred a month. We are VERY comfortable on our salaries.
.
We don’t have expensive cars, property, or school fees.

To Jeff Bezos and we are skint. To someone on a lot less income we are well off. It’s not rocket science

So have you told your DH what everyone on this thread has said? You have said many times you know it’s a good salary.
I’m struggling to understand why you posted (I have asked a couple of times but you have t answered).

It's not really anything to do with being "spendy" though.

I have never had my nails or eyebrows done, and I haven't had my hair cut since before Covid. I barely ever buy clothes, as I wear a uniform for work.

You put more into savings a month than I earn in a month.

Of course you have a good household income, and of course your DH is right that you could "earn more". Both things can be true at the same time.

Your initial question was what do we all think of this joint income with no debts and a mortgage of less than 2k a month.
I suppose you could say every one of us could earn better given half a chance. All I'm saying is we are in a cost of living crisis right now where people are dependent on food banks to feed their kids.
I think you know posting something as tone deaf as this is inflammatory to a lot of people. If you can save £2k a month and still wondering if you're doing ok then I can only assume you are being deliberately obtuse.

People on here post lots of money questions day in and day out. Many people earn the same as us and MORE! Just because we earn well and save well doesn’t mean we can’t ask for opinion/advice. But ok. I see it on here all the time. Only ask a money question if you have none…

Most people who ask similar questions to yours get the same responses. It’s tedious, and as there really doesn’t seem to be an actual question you need help with it comes across as dim, bragging and pointless.

More than enough

is 63k a good salary for the job roles you both do? If not can you or your husband push to earn more? What life goals do you have - ie retire early etc?

@Thedogscollar I hear what you’re saying, but the cost of living impacts people differently, I get that. It’s still reasonable for those not struggling day-to-day to ask financial questions without it being seen as insensitive.

@limescale I wasn’t trying to brag, I just wanted a broad verdict on whether that amount is seen as more than enough, enough, or could be better.Your point is fair, but my post wasn’t meant to be insensitive. I was just after a general impression rather than a deep debate about inequality.

He is looking at a new job, that is what prompted this. So the new job would pay approximately 84-87k. Obviously we would lose child benefit which is fine, I would like to increase my pension contributions and we would have to figure out what the increase would be etc.

Sorry I didn’t answer that first part. Yeah I think it’s fair pay to be honest, neither of us are too stressed (there are some points when we are but it’s not ALL the time) we have flexi time etc so it works very well. The job he is going for is in the same company and has the same flexi time and overtime etc.