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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think £120 a week is not enough to live on?

202 replies

FedUp120028 · 30/09/2025 22:46

So, following an abrupt change in circumstances after food, bills and clubs for the kids I have £120 p/w to live on. I have a 2yo and a 7yo.

This needs to cover treats, Christmas and social life, holiday fun (either a trip or activities) for the next year.

Is this doable, aibu to think it's not? It doesn't seem like much at all. Tips and a reality check please!

OP posts:
ShinyAppleDreamingOfTheSea · 02/10/2025 12:15

Wonderwoman333 · 02/10/2025 06:56

I don't understand how people are spending so little on birthdays. £100 doesn't get much nowadays unfortunately.
It might be ok for very young children but as they get older it won't stretch very far. We spend £250 per dc for birthdays and Christmas and this doesn't look very much to be honest.
If it was £120 week disposable money after Christmas/birthdays and holidays then it would be doable but there's not much money available after this is taken off.

The OP in question’s DC are 2 and 7 so still young. And for those with older children, you can only spend what you have. Presumably, like the OP you are used to a higher budget than this.

Pigeonpoodle · 02/10/2025 13:16

Wonderwoman333 · 02/10/2025 06:56

I don't understand how people are spending so little on birthdays. £100 doesn't get much nowadays unfortunately.
It might be ok for very young children but as they get older it won't stretch very far. We spend £250 per dc for birthdays and Christmas and this doesn't look very much to be honest.
If it was £120 week disposable money after Christmas/birthdays and holidays then it would be doable but there's not much money available after this is taken off.

I don’t understand how anyone can spend less than £1,000 let alone £100.

Once you’ve had the obligatory whole class party/ day out at theme park with fast passes (depending on age), the extended family meal at a fancy restaurant, the must-have latest iPhone, watch, trainers, assortment of clothes so they keep up appearances with their mates, and all the games and gadgets that they might only play with for two minutes but, hey, all need to be bought and wrapped to make that oh so insta-perfect present pile, I don’t get much change out of £5,000!

For those of you who think this is crazy (which it obviously is), that’s how crass and spoilt your “i can’t possibly imagine how you can just spend £100 on a birthday” sounds to someone who is actually in poverty (hint: it’s not some who has £120/week spare cash).

pokewoman · 02/10/2025 19:34

Wonderwoman333 · 02/10/2025 06:56

I don't understand how people are spending so little on birthdays. £100 doesn't get much nowadays unfortunately.
It might be ok for very young children but as they get older it won't stretch very far. We spend £250 per dc for birthdays and Christmas and this doesn't look very much to be honest.
If it was £120 week disposable money after Christmas/birthdays and holidays then it would be doable but there's not much money available after this is taken off.

Quite easily when that's all you can afford.

My older children are 14 and 13. This year they had £120 because they needed new phones, so they had second hand ones. Next year it will be back down to £100. One wants a new bike, so we will look on FB market place/cash generators dor second hand ones. The other has asked for new tracksuit - tbey of course have clothes as they need them, but this time he wants a fancy designer one, which comes in at just under 100. He knows that is all he will get from us.

My younger ones are 10 and 6. This year, 6 year old had a new doll, pushchair, doll cot, bag of doll accessories and a pencil case- all of that brand new came to under 100. 10 year old is having a new Switch game and some craft sets.

ClassicalQueen · 02/10/2025 19:38

£120 a week is plenty if you’re careful. That’s nearly £500 a month, put a small amount away in savings and you’ll be fine.

FedUp120028 · 02/10/2025 23:22

Clockface222 · 02/10/2025 06:38

I think you need a contingency for unexpected emergencies to house or car. This is what chatgbt gave me, it is pretty tight on days out/clothes etc

Updated Annual Breakdown

  1. Car & House Emergencies – £1,900 (30%)
  1. Holidays – £1,400 (22.5%)

Enough for a modest family holiday.

  1. Christmas & Presents – £1,100 (17.5%)

Covers Christmas gifts, birthdays for parents + 2 kids, other relatives.

  1. Clothes – £700 (11%)

For the whole family.

  1. Days Out / Fun – £550 (9%)

Outings, activities, or spontaneous treats.

  1. Hair, Beauty & Adult Dental – £590 (9.5%)

Haircuts, coloring, beauty treatments, dental check-ups, fillings, routine adult dental care.


📅 Weekly Breakdown (£120/week)

£36 → Car & House Emergencies

£27 → Holidays

£21 → Christmas & Presents

£13 → Clothes

£11 → Days Out / Fun

£12 → Hair, Beauty & Dental

I don't own my property, I don't have a car and I don't pay for dental work/prescriptions.

OP posts:
FedUp120028 · 02/10/2025 23:42

JamDisaster · 02/10/2025 10:42

Pmsl at the ChatGPT budget. It doesn’t even add up to £120.

I did notice and vomment that is was £99 ha

OP posts:
FedUp120028 · 02/10/2025 23:53

user0345437398 · 02/10/2025 11:14

It's more than most have. I have a total income of £2,000/m with two kids and am single and my kids have no idea we're poor. We have holidays, treats, trips, everything. I make it work.

Credit Union is a huge help. I've made a lot of smart decisions. I save hundreds a month too.

In the area of the country I live in I wouldn't be able to save a penny on £2000pm

OP posts:
FedUp120028 · 02/10/2025 23:57

I will add fir holidays we are fortunate enough to have 10/11 months left on our Disneyland Paris passes so a cheap hotel offsite, eurostar tickets in the sale and a bit of spending money that's our holiday 🙏🏻.

OP posts:
GrandTheftWalrus · 03/10/2025 00:00

Pigeonpoodle · 02/10/2025 06:17

You can definitely plan a family holiday on over £6,000 free cash per year! Yes, you’re not going to get 2 weeks in a luxury resort in the Maldives but you can get a very decent holiday for half that amount and still have £3,000 left over!

For an example im going to Greece next year for 2 weeks all inclusive and it cost £3100. That's for 3 of us. My parents are also going and taking our oldest on their booking so again the same price.

TheWibble · 03/10/2025 00:11

It's more than I usually have. This month i only have £50pw after all bills, essentials and food, for me and dd. I usually have about £100, but I've had unexpected expenses this month.

ShinyAppleDreamingOfTheSea · 03/10/2025 00:22

GrandTheftWalrus · 03/10/2025 00:00

For an example im going to Greece next year for 2 weeks all inclusive and it cost £3100. That's for 3 of us. My parents are also going and taking our oldest on their booking so again the same price.

The OP doesn’t have £3,000 for holidays. The poster you replied to who was saying they could holiday for half of £6,000 seems to have missed that the £6,000 is the total amount of money the OP has to budget for any kind of discretionary spending (birthdays, clothing, socialising etc ).

GrandTheftWalrus · 03/10/2025 01:02

ShinyAppleDreamingOfTheSea · 03/10/2025 00:22

The OP doesn’t have £3,000 for holidays. The poster you replied to who was saying they could holiday for half of £6,000 seems to have missed that the £6,000 is the total amount of money the OP has to budget for any kind of discretionary spending (birthdays, clothing, socialising etc ).

Ah okay. We pay it off monthly and it's 250 per month. Or 62.50 a week. So yeah i see that's quite a chunk of the ops budget.

RubySquid · 03/10/2025 19:03

FedUp120028 · 02/10/2025 23:53

In the area of the country I live in I wouldn't be able to save a penny on £2000pm

I'm on £1600 a months and save plenty. Live in a nice town in the SE

FedUp120028 · 03/10/2025 22:28

RubySquid · 03/10/2025 19:03

I'm on £1600 a months and save plenty. Live in a nice town in the SE

Wow! I live in the south east and that would cover;

Rent - £1000 (2 bed flat)
CTax - £150
Energy - £105
Water - £45
Public Transport - £120
Food - £200

That's already £1620 and barely the basics!

Do you have children? Because to live okay on that would be impossible.

OP posts:
RubySquid · 04/10/2025 03:38

FedUp120028 · 03/10/2025 22:28

Wow! I live in the south east and that would cover;

Rent - £1000 (2 bed flat)
CTax - £150
Energy - £105
Water - £45
Public Transport - £120
Food - £200

That's already £1620 and barely the basics!

Do you have children? Because to live okay on that would be impossible.

I have 3 kids although all grown but income was lower. Difference is that I bought a small place ( also a 2 bed flat) and paid off the mortgage rather than buying bigger houses.Whike many were partying etc in their 20s I was living frugally and paying mortgage and furnishing place on secondhand bits ( mind you I don't think I've ever had brand new furniture)aways had cars at least 8 yeaRs old ( that was the newest one

That£45 water is well over double ( mine is £17) although my council tax is cheaper at £120 with the discount . And your energy is nearly double mine also

I think if my kids were younger id be getting more income like child benefit and whatever the equivalent of tax credit is

Neurodiversitydoctor · 04/10/2025 07:34

FedUp120028 · 30/09/2025 23:13

Please tell me how to only spend £100 on their birthdays?? I'm so naive!

Planning the yearly/quarterly expenses is a god idea.

Sorry this post stood out to me really ?
The 2 year old has no understanding
I would do ;
£50 for the big present ( save nectar/ tesco points keep your eyes peeled for bargains)
£20 on card, decorations, ingredients for homemade cake or cupcakes.
£30 on party food/ nice home cooked meal.
For the 7yo it will take your labour though a few ideas:
Party rings on strings
Pass the parcel
Duck duck goose
Pin the tail on the ( age appropriate character)
treasure hunt
whats the time Mr Wolf
musical statues/ chairs/ bumps

If a summer birthday also hold in park with races ( sack/ three legged/ egg and spoon).

For the 2 year old surely it's a few friends/ family members and some cake and sandwiches.

Algen · 04/10/2025 13:59

RubySquid · 04/10/2025 03:38

I have 3 kids although all grown but income was lower. Difference is that I bought a small place ( also a 2 bed flat) and paid off the mortgage rather than buying bigger houses.Whike many were partying etc in their 20s I was living frugally and paying mortgage and furnishing place on secondhand bits ( mind you I don't think I've ever had brand new furniture)aways had cars at least 8 yeaRs old ( that was the newest one

That£45 water is well over double ( mine is £17) although my council tax is cheaper at £120 with the discount . And your energy is nearly double mine also

I think if my kids were younger id be getting more income like child benefit and whatever the equivalent of tax credit is

Edited

If you have no mortgage or rent to pay then of course you’re going to be able to live on less money.

PurpleThistle7 · 04/10/2025 14:06

If that what you have then you’ll need to make it work. Much more than many. Am guessing there are savings to be made with food and clubs too as it seems you’re used to a slightly different lifestyle.

my kids have a gift or a party - they’ve always chosen a party so it’s more than £100 but it doesn’t have to be. At those ages they wont notice super specific things and you could find loads at charity shops or vinted. There are plenty of ways to make things fun - baking at home instead of buying a cake, etc. Of course it depends on the sort of interests and time you all have. Vinted and similar are great for clothes and books and lots of other things too.

Fridgemanageress · 04/10/2025 14:43

FedUp120028 · 30/09/2025 22:46

So, following an abrupt change in circumstances after food, bills and clubs for the kids I have £120 p/w to live on. I have a 2yo and a 7yo.

This needs to cover treats, Christmas and social life, holiday fun (either a trip or activities) for the next year.

Is this doable, aibu to think it's not? It doesn't seem like much at all. Tips and a reality check please!

Oh dear.

RubySquid · 04/10/2025 18:41

Algen · 04/10/2025 13:59

If you have no mortgage or rent to pay then of course you’re going to be able to live on less money.

Yes of course But I spent 25 years paying mortgage on less income than that

Algen · 04/10/2025 18:45

RubySquid · 04/10/2025 18:41

Yes of course But I spent 25 years paying mortgage on less income than that

Your mortgage will probably have been lower than OP’s rent if you bought 25 years ago - I don’t think it’s really possible to compare tbh

FedUp120028 · 05/10/2025 01:12

RubySquid · 04/10/2025 18:41

Yes of course But I spent 25 years paying mortgage on less income than that

Today's rent vs a mortgage 25 years ago is not comparable.

OP posts:
Statsquestion1 · 05/10/2025 07:09

Algen · 04/10/2025 18:45

Your mortgage will probably have been lower than OP’s rent if you bought 25 years ago - I don’t think it’s really possible to compare tbh

Nothing @RubySquid said is comparable to be fair…I don’t know why they bothered. 🙄

Fridgemanageress · 05/10/2025 09:00

Statsquestion1 · 05/10/2025 07:09

Nothing @RubySquid said is comparable to be fair…I don’t know why they bothered. 🙄

She said she lives a frugal life and that’s how it works for her, unfortunately there is no magic wand.

forty five years ago, my husband was earning £6,000 a year, my income wasn’t included because apparently I was going to give up my job when we became a family according to the building society manager.

We didn’t have mobile phones, there was a pay phone up the road, and our phone was incoming calls only at about £10 a month I think it was.

I definitely remember gas and electric was like a hungry teenager although the credit meters were handy for buying new items in the electric showrooms.

in 1981 we bought a brand new XR3 as an impulse buy on extremely low interest 1.99%, couldn’t really afford to go anywhere, but we had it with child number 2 on the way, I was working for the local supermarket then, stacking shelves in the three nights a week, I used to walk in the building society every Friday and pay the mortgage out of my earnings, and put the change into the savings account.

it certainly wasn’t easy, my husband was sick to death of chick pea curry, but you could make buckets of the stuff for pennies, we were lucky we had an apple tree, a pear tree, plum tree and rhubarb in that garden and my grandfather had an allotment which he fed all the family from.

Our first house was £40,000, it was a beautiful two bedroom end of terrace with a lovely garden, thankfully we both saved hard and had two jobs before we settled down. Some of my friends are still renting and I was shocked one of my friends rent is £2,000 a month these days, that is a big chunk of salary.

RubySquid · 05/10/2025 12:14

Statsquestion1 · 05/10/2025 07:09

Nothing @RubySquid said is comparable to be fair…I don’t know why they bothered. 🙄

Because not everyone on this site has bought a house in the last 5 years. Many many people will have bought before then and therefore have lower mortgages.

Many others will have bought a smaller place years ago and now took another mortgage to buy a bigger one, therefore needing to pay out more

And some people are in social housing. A friend of mine pays about £400 a month in the next town to me.

There are lots of different people in lots of different situations.

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