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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
twistyizzy · 02/11/2025 17:15

lanthanum · 02/11/2025 17:12

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

No, by definition of "median" 50% will be above and 50% will be below. Median is exactly the middle number as it separates the lower half from the upper half.

VioletMountainHare · 02/11/2025 17:15

ThisNeedsToWork · 02/11/2025 15:59

This is correct. However, earning 45k is not ‘earning a lot’. It’s not a poor salary and well above minimum wage but it’s lower end professional range. It’s what an experienced teacher or physio might earn-or a highly qualified nurse. Maybe an accountant with a couple of year post qualification experience. Nothing outlandish and it doesn’t go far when you have a mortgage or nursery fees or kids at university.

You only need to be teaching for 3 years in Scotland to earn this! Whilst it’s above average I’d agree it’s definitely not a high salary.

flowertoday · 02/11/2025 17:16

I was always a Labour supporter. This government is awful for ordinary people - high taxes for all of us 'working' (£45 k over or above ).Still FA done to tackle huge corporations who take the absolute p* and avoid billions in tax.
Apparently no money to support young people with free bus passes.
No money for decent wage rises for public service.
Etc, etc
Absolute shit show. Personally I wouldn't vote for labour again under Starmer. I wouldn't vote Tory either and Reform are a joke ( very bad distasteful racist misogynistic joke).
Like alot of people i expect i am politically homeless and wish I wasn't stuck in the UK.

godmum56 · 02/11/2025 17:18

Sarahconnor1 · 02/11/2025 16:08

Any fully qualified nurse or paramedic working full time (inc weekends and/or night-shift) will earn over £45k, not massively over, but still over.

top end of Band 6 basic is £46,580 and you will have to be in band 6 for 5 years to get it. Newly qualified Nurse or HCP goes in at band 4 and they will be about 21 at qualification assuming they train straight from school. Staff who work overtime or unsocial hours will get additional payments. Thise figures are before tax. https://www.nhsemployers.org/articles/pay-scales-202526

Pay scales for 2025/26

NHS terms and conditions annual, hourly and HCAS pay scales (also known as pay bands or pay rates or payscales) for 2025/26

https://www.nhsemployers.org/articles/pay-scales-202526

lanthanum · 02/11/2025 17:18

twistyizzy · 02/11/2025 17:15

No, by definition of "median" 50% will be above and 50% will be below. Median is exactly the middle number as it separates the lower half from the upper half.

Yes. So half of full-timers earn less than £39k. Some more will earn between £39k and £45k. So the majority earn less than £45k.

me24x · 02/11/2025 17:19

I hate this government.

BobblyBobbleHat · 02/11/2025 17:19

VioletMountainHare · 02/11/2025 17:15

You only need to be teaching for 3 years in Scotland to earn this! Whilst it’s above average I’d agree it’s definitely not a high salary.

I find this so interesting, I never realised there was a discrepancy in teacher pay between England and Scotland.

TightOnes · 02/11/2025 17:20

Sillysoggyspaniel · 02/11/2025 15:52

Yep. Really pleased I got good grades, took on uni debt and worked hard...

Same here. My DH earns around £130k. He the epitome of hard work. Came from nothing in India. Studied hard. Taught himself how to code. Came to the UK. Worked his socks off and now works tirelessly and works weekends now as well because he's the one people call for advice on how to do things.

We work hard for our money, don't take benefits and see no return. I'm happy to support those who are physically incapacitated,disabled or need to care for disabled family. But not to support those who are lazy and should work harder.

user5972308467 · 02/11/2025 17:20

TheBlueHotel · 02/11/2025 16:06

Who are this government trying to appeal to?!

It’s like they don’t like being in power now they’ve got there, so are doing all they can to make sure they’re never elected again😂

Chenecinquantecinq · 02/11/2025 17:21

Theyll double top two bands of Council Tax too (logistically possible vs Revaluation). They really are a disaster.

twistyizzy · 02/11/2025 17:21

user5972308467 · 02/11/2025 17:20

It’s like they don’t like being in power now they’ve got there, so are doing all they can to make sure they’re never elected again😂

At this point I think they know they won't get a 2nd term so are moving into slash and burn territory.

FullOfMomsense · 02/11/2025 17:23

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.

Maybe don't have multiple children if you can't afford them? You can't seriously expect sympathy for your situation?

BobblyBobbleHat · 02/11/2025 17:24

Also interesting that in lots of businesses, schools and other organisations etc there will be two groups of people who may do similar jobs, but are considered worker or other depending on whether they earn over or under £45k. What will the over group be known as I wonder. Non workers? Unordinary workers? Extraordinary workers?! It's so awful a notion that it's really quite laughable.

RandomNewIdentity · 02/11/2025 17:25

I've been on just over £70k for most of the last 5 years. If you had been on £70k during that time, your actual tax / NI paid has gone down, and bands have slowly lifted and NI contributions have changed. Yes, inflation means that for most this isn't a huge help, but tax on £70k has dropped by just under 2k during that time.

Its also worth reminding yourself where £45k puts you. The 'median disposable household income', which means the amount of money a household has after tax, including benefits, is £41k. That's about £52k for a single person. Student loans don't count.

So they're flying a flag about something which will affect the higher-earning half of the country. Undoing the rather cynical drop in employee NICs introduced in 2024, for higher rate tax payers only or adding 1% point to the higher rate tax would affect less than half the country by not very much. On £70k, well above the median, that last would be an extra £200 a year.

I don't know, but an extra £200 a year won't make me stop working any time soon any more than the £300 or so I got extra out of the NIC reductions in 2024 encouraged me to vote tory.

barbismyfriend · 02/11/2025 17:25

I’m 65, worked all my life, 20 years in current role, earn …. £25k

guess what ?

im a civil servant.

RandomNewIdentity · 02/11/2025 17:27

FullOfMomsense · 02/11/2025 17:23

Maybe don't have multiple children if you can't afford them? You can't seriously expect sympathy for your situation?

@ColourThief You have my sympathy. Someone on about the median income ought to be able to raise a family.

TightOnes · 02/11/2025 17:27

barbismyfriend · 02/11/2025 17:25

I’m 65, worked all my life, 20 years in current role, earn …. £25k

guess what ?

im a civil servant.

I assume you used to earn a lot more but now as you're approaching retirement you've take a less strenuous job and are just happy with the income you have as you've paid off your mortgage?

safetyfreak · 02/11/2025 17:27

My full-time wage is over 45k; it certainly is not a high salary, and I am in an extremely stressful, public service job to earn it. To be taxed more, when frankly, they are already underpaying me, feels like a kick in the face.

Livelovebehappy · 02/11/2025 17:29

twistyizzy · 02/11/2025 17:21

At this point I think they know they won't get a 2nd term so are moving into slash and burn territory.

I honestly don’t think they’re even thinking that. I believe they just don’t have a clue, and are just running around blindfolded sticking their fingers in their ears hoping that when they eventually take the blindfold off, everything will be fine. They’re scarily incompetent….

FullOfMomsense · 02/11/2025 17:31

RandomNewIdentity · 02/11/2025 17:27

@ColourThief You have my sympathy. Someone on about the median income ought to be able to raise a family.

Absolutely, but you can't complain and expect sympathy about not ever being able to afford a mortgage after you've had multiple kids!

MookieCat · 02/11/2025 17:31

BobblyBobbleHat · 02/11/2025 17:24

Also interesting that in lots of businesses, schools and other organisations etc there will be two groups of people who may do similar jobs, but are considered worker or other depending on whether they earn over or under £45k. What will the over group be known as I wonder. Non workers? Unordinary workers? Extraordinary workers?! It's so awful a notion that it's really quite laughable.

Maybe the execrable term 'unearned income' will be trotted out. You know, like the income on investments that people have usually worked and sacrificed to afford.

Those who voted Labour and who have smugly opined about the 'broadest shoulders' didn't realise the Government would be coming for them.

twistyizzy · 02/11/2025 17:32

Livelovebehappy · 02/11/2025 17:29

I honestly don’t think they’re even thinking that. I believe they just don’t have a clue, and are just running around blindfolded sticking their fingers in their ears hoping that when they eventually take the blindfold off, everything will be fine. They’re scarily incompetent….

But they are meant to be intelligent, Oxford educated etc. So how can they be THIS incompetent? They are meant to represent the best of state + Oxford education. So I put it to you that this is intentional because to be this incompetent with the supposed quality of education they've had is mind-blowing.

mindkey · 02/11/2025 17:34

Why would anyone strive to be ordinary?

twistyizzy · 02/11/2025 17:34

MookieCat · 02/11/2025 17:31

Maybe the execrable term 'unearned income' will be trotted out. You know, like the income on investments that people have usually worked and sacrificed to afford.

Those who voted Labour and who have smugly opined about the 'broadest shoulders' didn't realise the Government would be coming for them.

🎯 No. They assumed Labour would go after "rich" people, not thinking that Labour would ever categorise them as such.

flowertoday · 02/11/2025 17:34

I wonder whether they will be removing the subsidy for food in the Lords or the Commons ... Or taking a closer look at taxing second jobs / modifying expenses for MPs. Looking a bit more at the finances of the Royal family. Mmm, no thought not. Best tax teachers, nurses and firefighters more 🙄

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