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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Not an ordinary working person if you earn over 45k

1000 replies

TesChique · 02/11/2025 15:50

Disincentivising anyone to strive to earn over 45k a year is a bizarre strategy for growth i feel

Aibu?

OP posts:
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16
Hellohelga · 02/11/2025 16:53

twistyizzy · 02/11/2025 16:52

But Labour are saying that 46K is the cut off for not being a "working person".....

Says who? Sky news?

NoWordForFluffy · 02/11/2025 16:54

Hellohelga · 02/11/2025 16:50

Less than 17% of people are in the 40% tax band, which starts at £50,270. That band is frozen until 2028 at which point it might rise or it might not. It won’t go down ever.

People earning above this may be asked to pay more. If you are in the top 17% of earners then yes you might be the target. You are easier one than the PIP recipients they recently had to u turn on.

But do you consider those 17% to be 'working people'? That's where the issue lies; Labour is changing the ordinary meaning of words to wriggle out of their promise not to tax working people!

HelenSkeleton · 02/11/2025 16:56

KimTheresPeopleThatAreDying · 02/11/2025 15:54

Plenty of people do this and don’t earn over £45k. Working hard is not the same as earning a lot.

I think she meant working hard at university to get decent grades.

shuggles · 02/11/2025 16:58

KimTheresPeopleThatAreDying · 02/11/2025 15:54

Plenty of people do this and don’t earn over £45k. Working hard is not the same as earning a lot.

I'm quite surprised to have finally found someone on this website with a functional brain.

JaneEyre40 · 02/11/2025 16:58

BerriesChocolate · 02/11/2025 16:08

People on Mumsnet think £60k is poverty. I’m in my 20s and earning just over £30k and that’s considered a good salary for a professional career.

By who? Maybe at your age...

latetothefisting · 02/11/2025 16:59

BerriesChocolate · 02/11/2025 16:08

People on Mumsnet think £60k is poverty. I’m in my 20s and earning just over £30k and that’s considered a good salary for a professional career.

considered a good salary by whom?
Everyone's idea of what's a good/normal salary is based on their own (very limited) peer group, which for many people is very homogenous.

Based on actual stats, full time minimum wage (40hrs a week) would be a yearly salary of £25,396. Therefore it's hard to argue logically that barely £5k more than that is a "good salary for a professional." Particularly if you're paying back uni debt, which will take you down to only 2 or 3 grand more.

It might be a decent salary for someone in their early 20s just out of uni without responsibilities but most people aren't in that bracket.

It's not elitist to say that jobs that have incurred a high degree of cost , time and effort to qualify for, and have significant responsibility should be paid more than minimum wage. It doesn't mean you're automatically cleverer than someone doing the minimum wage job, it doesn't mean your job is harder, more important or more essential (often the opposite, as Covid showed), or that you're a better or more worthy person.

shuggles · 02/11/2025 17:01

HelenSkeleton · 02/11/2025 16:56

I think she meant working hard at university to get decent grades.

Yes... she knows... that's what she meant... plenty of people work hard at university, earn good grades, and it doesn't translate into being a high earner.

I thought this should be self-evident for anyone who has a job. Obviously, employers don't look at academic grades when selecting candidates. It may be true in some countries in the far east which place a lot of emphasis on academic success, but it certainly is not true in the UK where other traits are more valued.

JaneEyre40 · 02/11/2025 17:01

ColourThief · 02/11/2025 16:48

Jesus Christ, try telling that to people like myself who earn less than 45k, have multiple children to support and no hope of even GETTING a mortgage.

Treading water… give me strength.

Context is everything. They could be living in inner London paying massive rent or mortgage.

SmudgeButt · 02/11/2025 17:01

TesChique · 02/11/2025 15:57

45k is apparently being used as the internal benchmark in gvmnt to keep to their "no tax increases for working persons" pledge. The directive in the treasury is to find ways to extract more tax from anyone earning above

Fine by me!!!

I retired after working hard for decades at which point my salary was £26k. As was all my colleagues. Being in a higher tax bracket has never been a possibility.

I feel lucky to have a house, sans mortgage, due to being made redundant a year before I might have retired and thus getting a large payout - tax free. I also feel incredibly lucky compare to some I've met when giving debt advice who are trying to find a way to pay all their bills on just state pension of less than £13k.

To them and to me £45k is rich.

Hellohelga · 02/11/2025 17:02

NoWordForFluffy · 02/11/2025 16:54

But do you consider those 17% to be 'working people'? That's where the issue lies; Labour is changing the ordinary meaning of words to wriggle out of their promise not to tax working people!

That’s not the point. This whole thread is about people earning over £45k. I’ve not seen a government announcement of any new definition or taxes or measures aimed at that figure.

Only Sky News say it’s a new definition. Until the budget that’s pure speculation. Unless you believe if it’s in the press then it MUST be true, because they don’t just make stuff up.

shuggles · 02/11/2025 17:03

JaneEyre40 · 02/11/2025 16:58

By who? Maybe at your age...

Normal people in the real world.

Not in mumsnet world, where the financially incompetent have difficulties on £60k+ salaries.

Enigma54 · 02/11/2025 17:03

ILoveHolidaysAbroad · 02/11/2025 15:54

Have I missed something? Most people I know earn over £45k

Yes, you’ve missed the fact that many don’t earn over 45K.

NoWordForFluffy · 02/11/2025 17:03

Hellohelga · 02/11/2025 17:02

That’s not the point. This whole thread is about people earning over £45k. I’ve not seen a government announcement of any new definition or taxes or measures aimed at that figure.

Only Sky News say it’s a new definition. Until the budget that’s pure speculation. Unless you believe if it’s in the press then it MUST be true, because they don’t just make stuff up.

It's the entire point of this thread. So, do you consider them to be working people or not?

ETA: you're living under a rock if you haven't noticed the government floating every single taxation idea by leaking it to the press!

MidnightMeltdown · 02/11/2025 17:07

SmudgeButt · 02/11/2025 17:01

Fine by me!!!

I retired after working hard for decades at which point my salary was £26k. As was all my colleagues. Being in a higher tax bracket has never been a possibility.

I feel lucky to have a house, sans mortgage, due to being made redundant a year before I might have retired and thus getting a large payout - tax free. I also feel incredibly lucky compare to some I've met when giving debt advice who are trying to find a way to pay all their bills on just state pension of less than £13k.

To them and to me £45k is rich.

Yes but you are asset rich - you have a house, and were lucky enough to get on the ladder when housing was very cheap relative to wages. These days, someone with a new mortgage will struggle to cover it on 45k.

slummymummy24 · 02/11/2025 17:08

EmpressaurusKitty · 02/11/2025 16:00

FFS.

Thanks for explaining.

FFS so depressing!

sussexman · 02/11/2025 17:09

NoWordForFluffy · 02/11/2025 17:03

It's the entire point of this thread. So, do you consider them to be working people or not?

ETA: you're living under a rock if you haven't noticed the government floating every single taxation idea by leaking it to the press!

Edited

They are (mostly) working people, but they are the top 1/6th of the population by income, so are hardly "ordinary"

NoWordForFluffy · 02/11/2025 17:11

sussexman · 02/11/2025 17:09

They are (mostly) working people, but they are the top 1/6th of the population by income, so are hardly "ordinary"

Labour's definition didn't include 'ordinary' when first mooted:

www.bbc.co.uk/news/articles/cgqy8v7ze0ko?app-referrer=deep-link

twistyizzy · 02/11/2025 17:11

NoWordForFluffy · 02/11/2025 17:11

Labour's definition didn't include 'ordinary' when first mooted:

www.bbc.co.uk/news/articles/cgqy8v7ze0ko?app-referrer=deep-link

Exactly, they are changing the words according to which best fits the narrative.

CoffeeLipstickKeys · 02/11/2025 17:12

In fairness mumsnet has some skewed salaries (reflecting the demographics of posters)
I mean all the men reportedly earn six figure and are top of the game. C suite and all that.

  • ONS Stats Median gross annual earnings for full-time employees were £39,039 in April 2025, compared with £37,439 in April 2024, which is an increase of 4.3%.
Livelovebehappy · 02/11/2025 17:12

TesChique · 02/11/2025 15:57

45k is apparently being used as the internal benchmark in gvmnt to keep to their "no tax increases for working persons" pledge. The directive in the treasury is to find ways to extract more tax from anyone earning above

The government are setting our expectations of what’s coming in the budget. A slow drip feed so we can pinpoint who’s going to take the fall for the shortfall in their books. And it’s becoming clear very quickly that the middle earners are going to have to take one for the team it seems.

lanthanum · 02/11/2025 17:12

Sillysoggyspaniel · 02/11/2025 15:59

Exactly.

Median salary of full-time workers, as of April, was approximately £39k. So most full-timers earn less than £45k.

www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/bulletins/annualsurveyofhoursandearnings/2025

FullOfMomsense · 02/11/2025 17:13

I don't think i know anyone earning less than that, other than part time staff maybe.

Stopthiscrapnow · 02/11/2025 17:13

ColourThief · 02/11/2025 16:48

Jesus Christ, try telling that to people like myself who earn less than 45k, have multiple children to support and no hope of even GETTING a mortgage.

Treading water… give me strength.

Because you didn’t think multiple children would be…..expensive?

BobblyBobbleHat · 02/11/2025 17:13

FullOfMomsense · 02/11/2025 17:13

I don't think i know anyone earning less than that, other than part time staff maybe.

I know loads, but i work in education.

EasternStandard · 02/11/2025 17:14

Yanbu it’s utter madness

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