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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To ask what you think of this joint income?

254 replies

Fineapple1 · 21/08/2025 11:18

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.

OP posts:
limescale · 21/08/2025 12:40

Why are you asking OP? Why does it matter?

hangerup · 21/08/2025 12:40

@LastKnownSurvivor

What's wrong with benefits going to people who pay lots of tax?

Winter fuel used to be universal, the household threshold is now 75k. Attendance Allowance, DLA etc aren't means tested. Child benefit was at points universal.

PrincessSakura · 21/08/2025 12:40

More than enough! We’d be incredibly comfortable on that wage!

hangerup · 21/08/2025 12:41

@eqpi4t2hbsnktd so you don't have you outgoings?

WhereIsMyJumper · 21/08/2025 12:44

Yes well done. Anything else you’d like to brag about?

Weekmindedfool · 21/08/2025 12:44

Marie324 · 21/08/2025 12:31

Is this some sort of gloating post? I'm going to have to come off mumsnet.

Of course it is. Or just a troll to stir the pot. It serves no other purpose.

Goody2ShoesAndTheFilthyBeast · 21/08/2025 12:44

Its plenty.

CheeseFiend40 · 21/08/2025 12:45

What a stupid fucking post! Is our massive monthly income (after pension of course!) enough to live on? Of course it fucking is, why are you even asking?

Oh because DH wants to go for a new job that earns more…
Oh dear is it more hours, longer commute, anything negative at all?
No not one negative thing about it all, actually there’s an upside as well as the extra money…

Get in the fucking bin.

RosesAndHellebores · 21/08/2025 12:45

Comparisons are odious @Fineapple1 but if you have £1600 left after a spendy month, you know the answer to your question.

LastKnownSurvivor · 21/08/2025 12:45

hangerup · 21/08/2025 12:40

@LastKnownSurvivor

What's wrong with benefits going to people who pay lots of tax?

Winter fuel used to be universal, the household threshold is now 75k. Attendance Allowance, DLA etc aren't means tested. Child benefit was at points universal.

Benefits should be for people who need them to afford the normal necessities of daily life, not a nice bonus for people already on a comfortable income.

Amba1998 · 21/08/2025 12:46

Fineapple1 · 21/08/2025 11:34

We don’t spend it all every month no, we’re just finished some renovations at the moment so we had extra costs for furnishings etc . We have 1600 left and payday is tomorrow so not extravagant.
one main holiday a year and a few weekend breaks for dh and I.
one of each dc so no clothes sharing
they do sports but luckily fees are very affordable for them.

I’ve you have £1600 left over day before pay day then I would significantly be increasing pension contributions. 5% isn’t a lot

Amba1998 · 21/08/2025 12:47

Blondiebeachbabe · 21/08/2025 12:20

Seems good to me. I think your mortgage is huge though. We bring in about £6500 per month, but our mortgage is only £235.

You either live in a shed or there is some back story as to why your mortgage is so tiny. Like you’ve got 2 years left

limescale · 21/08/2025 12:49

This is the only post from that username. I don't know why a regular poster would want to namechange if they had a genuine question.

I suspect they're just stirring things up.

GreatWhiteWail · 21/08/2025 12:49

Fineapple1 · 21/08/2025 11:25

2 dc
no debt
mortgage of 1800
no childcare bill

Then it's an excellent income. You should be able to live very well indeed on it.

Fineapple1 · 21/08/2025 12:50

hangerup · 21/08/2025 12:28

@Fineapple1 I think it's good particularly as you are both FT & manage to have no childcare costs.

With school, flexi time and my wfh we make it work. Might pay for afterschool every so often but that’s minimal. Very minimal

OP posts:
GasPanic · 21/08/2025 12:52

7596 per year is not a massive income if you have a 6000 per year booze habit.

GameWheelsAlarm · 21/08/2025 12:52

You are asking if £1,753 per week is "enough" when it is way more than people survive on with basic minimum wage jobs topped up with benefits. Yes it is enough. You just need to pitch your lifestyle according to your income. If you ensure your budget is structured to spend less than £1,600 per week then you will feel comfortable, secure, and well-off. If you try for a lifestyle that costs £1,800 per week you will feel constantly stressed and under financial pressure. There will always be people richer than you. There will always be things you can't afford. There is no income that negates these truths. Learning contentment with what you have can be done at any income level.

OnlyFoolsnMothers · 21/08/2025 12:52

Tbh just pisses me off about the child benefit entitlement calculation! Not the ops fault but pisses me off none the less

Fineapple1 · 21/08/2025 12:54

Not trolling, I did nc yes because I’d rather it not linked to other posts. Sorry

OP posts:
Fancyflapjack1 · 21/08/2025 12:55

These types of posts on AIBU are just so banal. If you don’t know what your income means for you then there’s something wrong with your ability to process information or use a calculator and the internet. You understand your mortgage rate and outgoings so what do you need strangers to assist you with exactly? It’s such tedious bating.

hangerup · 21/08/2025 12:57

@Fineapple1 we are similar but I work p/t

Cyantist · 21/08/2025 12:58

CreteBound · 21/08/2025 12:33

@Fineapple1 you’re figures must be wrong as there is no gross salary combination that equals that amount monthly and means one of you isn’t over 60k. You owe HMRC money back

I'm happy to share numbers. I earn £63700. I take home £3770 a month. My pension contributions take my yearly salary under 60k so full child benefit.
My husband earns ~66k. He takes home £3780 as he pays more in pension than I do. His pension contributions also take him under the 60k threshold.
With child benefit our total income monthly is £7737, so more than OP and we fill in tax returns every year and never have to repay any of our child benefit.

lifetourist · 21/08/2025 12:58

So you’d till get child benefit. Our household is much less than that but we don’t get cb due to DH earning higher and me lower.
Why do you care what we think?

hangerup · 21/08/2025 12:59

Is this some sort of gloating post? I'm going to have to come off mumsnet

Plenty of normal jobs pay 60k

Allowing for inflation it's the equivalent to earning 30k in the early 00s

Fineapple1 · 21/08/2025 12:59

lifetourist · 21/08/2025 12:58

So you’d till get child benefit. Our household is much less than that but we don’t get cb due to DH earning higher and me lower.
Why do you care what we think?

Why does anyone ask questions on here? My dh said he thinks we could/should bring in more, I tend to want to disagree. Just wanted to gauge if I was off on my thinking or not.

OP posts: