Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Do you think Brits are really as broke as the media makes out

347 replies

SlothfullyYours · 25/11/2025 00:32

I took some flexi leave this afternoon to run some errands and do some "life admin."

Started off in town. The shoppers' car park was packed, the shops were packed, coffee shops packed. People spending money.

Came home and tried to book car in for a service - garages booked up weeks in advance. Tried to get some trades round to quote for work on the house - all too busy (have been trying for months!).

Friend popped round. Recently started as a self employed cleaner. She says all her slots for house cleaning have been snapped up - and she's charging £20 per hour and we're in the Midlands!

My hairdresser & dentist (private) - have to book weeks/months in advance.

Are we really as skint as the media makes out?

OP posts:
Thread gallery
5
XDownwiththissortofthingX · 25/11/2025 15:19

berlinbaby2025 · 25/11/2025 15:10

@XDownwiththissortofthingX I was just about to post a similar thing, the problem isn’t about coffee, for crying out loud. It’s never been harder to buy your own property, because of the exponential growth of property prices with wages not even semi-close to catching up. In my city in the north, two bedroom terraced houses with no gardens in my very average area (some would say a bit rough) sell for the best part of a quarter of a milllion.

If, for argument's sake, you purchase a £5 coffee on your way to work each morning, 5x per week, it's roughly £100 per month, lets ignore holidays or days you don't bother and call it £1200 per year. So you start this habit at 20, so lets propose you stop at 25. 5 years further on, at 30 years old, you've saved £6000 in coffee. Whoopee! Great!

Go to the bank with a 6k deposit and ask for a mortgage that is 10x your annual salary and see how you get on.

Bambamhoohoo · 25/11/2025 15:35

Cheeseontoastghost · 25/11/2025 15:07

Who said 10 years?
A couple living reasonably but making their own lunches/ coffees can save that over 3 years .
Im surrounded by people doing this

Walk/ cycle instead of public transport
Packed lunches
Boil a kettle - drastic I know 😉
No nails, hair, botox
Avoid debt for stuff like holidays

Are you picking at the years or the mindset?

can I ask you a question, when you see Starbucks full of people does it occur to you they are not the same people struggling to save a deposit?

I buy 3 take away coffees a day <clutch pearls> I can afford it and have a mortgage I can afford. Who knows, maybes you’re seeing people like me?!

Cheeseontoastghost · 25/11/2025 15:36

XDownwiththissortofthingX · 25/11/2025 15:19

If, for argument's sake, you purchase a £5 coffee on your way to work each morning, 5x per week, it's roughly £100 per month, lets ignore holidays or days you don't bother and call it £1200 per year. So you start this habit at 20, so lets propose you stop at 25. 5 years further on, at 30 years old, you've saved £6000 in coffee. Whoopee! Great!

Go to the bank with a 6k deposit and ask for a mortgage that is 10x your annual salary and see how you get on.

Edited

" coffee" is metaphorical in these discussionsConfused

It's not difficult to see that coffee, bought lunches, nails, lashes, botox, subscriptions for anything from pants to audio books etc

It can an add up massively against the alternative of making your own coffee and lunch, not getting nails, lashes and botox and downloading stuff you want to.listen to from the library.
Its not even a question of going without some of these things, it's just choosing a less expensive alternative
You still get coffee, lunch etc

berlinbaby2025 · 25/11/2025 15:42

Cheeseontoastghost · 25/11/2025 15:36

" coffee" is metaphorical in these discussionsConfused

It's not difficult to see that coffee, bought lunches, nails, lashes, botox, subscriptions for anything from pants to audio books etc

It can an add up massively against the alternative of making your own coffee and lunch, not getting nails, lashes and botox and downloading stuff you want to.listen to from the library.
Its not even a question of going without some of these things, it's just choosing a less expensive alternative
You still get coffee, lunch etc

But you can say that about everything non-essential - alcohol, kids activities, mini breaks, holidays. For some of us these things and what’s in your list are what keeps us sane, and in my view a distraction from the bigger issue. Do we strip back on all those non-essentials to save years and years to get that elusive deposit (£55k on average as posted earlier)?

Cheeseontoastghost · 25/11/2025 15:49

berlinbaby2025 · 25/11/2025 15:42

But you can say that about everything non-essential - alcohol, kids activities, mini breaks, holidays. For some of us these things and what’s in your list are what keeps us sane, and in my view a distraction from the bigger issue. Do we strip back on all those non-essentials to save years and years to get that elusive deposit (£55k on average as posted earlier)?

Well yes I agree but what are your priorities Confused
Is it beyond the realms of possibility that you might need to put holidays and mini breaks aside whilst you save?

Bambamhoohoo · 25/11/2025 15:52

Cheeseontoastghost · 25/11/2025 15:49

Well yes I agree but what are your priorities Confused
Is it beyond the realms of possibility that you might need to put holidays and mini breaks aside whilst you save?

But why do you think people aren’t doing this?

there are people who want to save a deposit as fast as possible and will forgo everything.

there are people who are happy to take a bit longer and do the things they enjoy as well as save.

however most of the uk is not saving for a house deposit- so what is this conversation?!

discussions re how (factually) it’s so much harder to buy a house now, it takes so much more of your income, for so much longer, isn’t controversial. You can’t save or control your way - or in your case, think your way- out of that fact.

berlinbaby2025 · 25/11/2025 15:55

Cheeseontoastghost · 25/11/2025 15:49

Well yes I agree but what are your priorities Confused
Is it beyond the realms of possibility that you might need to put holidays and mini breaks aside whilst you save?

Yeah, my point was about the size of deposit these days and that, starting from £0 with no help from others, that would require living a pretty bleak life for a long time to obtain that deposit, especially if your deposit only comes from your income and nobody else’s.

Cheeseontoastghost · 25/11/2025 16:19

Bambamhoohoo · 25/11/2025 15:52

But why do you think people aren’t doing this?

there are people who want to save a deposit as fast as possible and will forgo everything.

there are people who are happy to take a bit longer and do the things they enjoy as well as save.

however most of the uk is not saving for a house deposit- so what is this conversation?!

discussions re how (factually) it’s so much harder to buy a house now, it takes so much more of your income, for so much longer, isn’t controversial. You can’t save or control your way - or in your case, think your way- out of that fact.

Because they are hooked on buying cheap crap and fast food.
There is another thread about it-people admitting they cannot stop spending.
Of course its factual that houses are more expensive, no one has said otherwise

however most of the uk is not saving for a house deposit- so what is this conversation?!

Read the thread, it was in reply to another poster , they cant afford a house so they spend on things to cheer themselves up
Do keep up!

Bambamhoohoo · 25/11/2025 16:30

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Cheeseontoastghost · 25/11/2025 16:39

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Im not a boomer Confused

I was replying to another poster, it's literally the whole premise of the thread
Perhaps don't butt in unless you have something constructive to say.

Bumblebee72 · 25/11/2025 16:47

Cheeseontoastghost · 25/11/2025 15:49

Well yes I agree but what are your priorities Confused
Is it beyond the realms of possibility that you might need to put holidays and mini breaks aside whilst you save?

Exactly different people have different prioritises which is fine. It just super annoying to the people that did live fugally, save and buy a house, having to listen to the people who went on holiday and brought expensive clothes, then lecture them on how it would have been impossible for them to make other choices.

Bambamhoohoo · 25/11/2025 16:49

Cheeseontoastghost · 25/11/2025 16:39

Im not a boomer Confused

I was replying to another poster, it's literally the whole premise of the thread
Perhaps don't butt in unless you have something constructive to say.

You have replied to me multiple times

you don’t have to be a boomer to behave like one

PrioritisePleasure24 · 25/11/2025 17:01

I live in affluent area of a city which on the other sides is one of the most deprived in the u.k and despite other posters on here amazingly stating that their is no poverty 🙄 The bars and restaurants in my area are busy, shops are busy etc. I also know some are struggling to stay afloat despite this and have cut staff. I could sit back and say oh what cost of living crisis: nothing to see here!

However i work in the NHS we see the effects of poverty every day, i see families with nothing, kids not eating properly, Our community nurses see their houses and how they have no carpets, heating or even toys. We signpost and refer where we can.

You see the people that have some money ( or are using credit) those people as mentioned could still be cutting back. Pub tea instead of restaurant, one coffee a week instead of every day. One shopping trip every few months for seasonal essentials. One week hol or anxiety break instead of AI. We go on breaks regularly but it’s one city break in europe and 2 or 3 uk trips where it’s anything from two nights to 4. It’s not megbucks or near the amount of a 2 week AI because we do it on a budget.

Its also near christmas, people save to go out or worse they put it mostly on credit to pay off next year. The pressure is huge to ‘enjoy the festive season’.

Doingtheboxerbeat · 25/11/2025 17:17

Well this thread has descended into a stealth generational war between the rich, entitled, out of touch Boomers and the pumpkin latte, subscription, nail bar, weekend getaway buying millennials - Gen Xers are spared due to teenage kids, and elderly possibly cruise sailing boomer parents.
Well done everyone 👍 we have fallen for it again .

XDownwiththissortofthingX · 25/11/2025 17:31

Cheeseontoastghost · 25/11/2025 15:36

" coffee" is metaphorical in these discussionsConfused

It's not difficult to see that coffee, bought lunches, nails, lashes, botox, subscriptions for anything from pants to audio books etc

It can an add up massively against the alternative of making your own coffee and lunch, not getting nails, lashes and botox and downloading stuff you want to.listen to from the library.
Its not even a question of going without some of these things, it's just choosing a less expensive alternative
You still get coffee, lunch etc

I'm aware of this, however, the jist of my point is that difficulty in getting on the property ladder nowadays isn't about people's lack of frugality.

I'm not "boomer" aged, my parents were, I'm the eldest. They certainly benefitted from cheap lending, low property prices, and continual positive equity.
So did I, because I was fortunate that even as a teenager I was able to apply for and get a 100% mortgage on my first property. I was again fortunate that despite drawing down equity on this property, I was still able to pay my mortgage off by my early 40s and still walk away with a substantial profit.

At no point was I earning an enormous salary, and at no point did I have to forego relatively mundane every day expenses like a coffee, or an item of clothing here and there, in fact, like most 20'something's of my era I was never out of the bloody pub and nightclubs, spending a fortune on drink and partying with nothing to show for it but a hangover. Still paid my mortgage off no bother.

The difference is, I was able to live like that and still pay my mortgage off by my 40's, people with similar careers now can't even contemplate their first mortgage until they are IN their bloody 40s.

I am no longer a homeowner because I came to realise I'd be far happier in managed, rented accommodation where I didn't have to deal with the headaches of owning a property. I gave some of the equity I had to my much younger sibling just to help enable their first property purchase. My younger sibling was mid 30's at this point, both they and their partner had worked their entire adult lives, yet without my cash they simply wouldn't have stood any chance of ever being able to buy a property suitable for a small family. They are not a profligate couple, in fact, they live like monks compared to the way I used to carry on.

The reason people can no longer afford property is nothing to do with lifestyle, it's down to decades of a speculative property market leading to outrageously inflated prices which have totally outstripped salary growth. Again, my house cost me a little over 4x my salary, today the same house sells for over 10x average salary for the area.

Lastfroginthebox · 25/11/2025 18:21

frozendaisy · 25/11/2025 09:11

Not envious - envy is a pointless emotion

just can see from boomer parents
to us GenX
to our teens (think they are alphas)

how much harder just the basics are

But don't you think 'the basics' nowadays were unheard of or luxuries back then? I won't go into the whole 'when I were a lad things were tough' routine, but we didn't have mobile phones, central heating, many takeaways, easy meals etc. If I lived now the way I lived then, I'd have loads of spare money.

soupyspoon · 25/11/2025 18:31

Lastfroginthebox · 25/11/2025 18:21

But don't you think 'the basics' nowadays were unheard of or luxuries back then? I won't go into the whole 'when I were a lad things were tough' routine, but we didn't have mobile phones, central heating, many takeaways, easy meals etc. If I lived now the way I lived then, I'd have loads of spare money.

People are horrified at the thought of things like soup or omelette for dinner, things on toast. A UK cheap holiday is not, apparently, a holiday.

Seasonal vegetables and pulses, legumes, boring and WHERES THE PROTEIN

Kids sharing a bedroom, neglect

A bathroom down stairs! Unliveable

A kitchen and bathroom out of date, needs replacing.

Walk to most places under 3 miles, cant do it

Take a packed lunch, turn our noses up at that

The list is endless

And I love a spend up, Im probably at professional level but I can do without it, have done plenty of times when needed to

Lastfroginthebox · 25/11/2025 18:54

soupyspoon · 25/11/2025 18:31

People are horrified at the thought of things like soup or omelette for dinner, things on toast. A UK cheap holiday is not, apparently, a holiday.

Seasonal vegetables and pulses, legumes, boring and WHERES THE PROTEIN

Kids sharing a bedroom, neglect

A bathroom down stairs! Unliveable

A kitchen and bathroom out of date, needs replacing.

Walk to most places under 3 miles, cant do it

Take a packed lunch, turn our noses up at that

The list is endless

And I love a spend up, Im probably at professional level but I can do without it, have done plenty of times when needed to

My family (5 of us) lived with my grandparents temporarily in their terraced house. There was NO bathroom at all and just an outside toilet.

sugarandcyanide · 25/11/2025 19:38

WithDiamonds · 25/11/2025 09:28

Before Covid the town I live in had 11 women’s hairdressers two of them were really huge hair salons. Five of those salons have shut down including one of the huge ones, So now to get an appointment is quite hard as those left have taken on all the other customers. Just like a local garage shut. That’s why some places feel busy as so much has shut down.

I fortunately have a mate who is a builder. They really don’t want to take on some jobs. The job itself may be difficult to put a time allocation on plus the person wanting the quote may be someone who looks like they will be a PITA to deal with. This coupled with lack of training young people in trades it’s not a suprise.

Our town is the opposite! Every single shop is either a barber, hairdressers or coffee shop and now we've started getting these mini marts popping up too. I'm not exaggerating when I say there must be 20+ barbers and hairdressers. The barbers usually have no-one in there and the barber is sitting playing on their phone. I'm almost certain they're money laundering fronts.

We really need to get more young people into trades. It's so difficult to get tradesmen in out area and the cost of building a small single storey extension has gone from £25k to £65k in a few years. Trades are essential and they're going to get harder and harder to find as older ones retire.

WearyCat · 25/11/2025 21:51

Dipping back in, it seems like many posters are making the same couple of points- that now we spend more money on things which didn’t exist or were luxuries back in the day, and that people won’t forgo treats and aren’t prepared to try a bit harder.

There are more things to spend money on, but to take a mobile phone as an example- have you tried doing anything lately without one? My nearest bank is in the city a 30-minute drive away. Many shops and services won’t take cash, or require an online payment to secure whatever you’re buying. Schools and colleges communicate by email, students need a phone to access some classwork and find the homework that’s been set. Even the DWP expects people to log into their UC journal online. So arguably, a smart phone (not just a brick mobile) is not a luxury, it’s a necessity.

Similarly, I really don’t think central heating is really a luxury. Especially if your home doesn’t have any other form of heating. Plug-ins can eat money if you’re on a meter. And we know that mould grows in damp, cold homes, and we know mould can kill. So for me, it’s a travesty that in our country today people can’t afford heating, and other people (who can) are arguing that’s ok because heating is a luxury.

Walking, cycling or getting a bus- for me personally but for lots of other people I know, there isn’t time to travel these ways to work or school, even if it was safe to do so. It’s three miles to the bus stop, and takes me 45 minutes to walk across quite muddy fields, or along fast, winding, unlit roads with hedges and no pavements. Doing that twice a day is impossible if I want to do anything else, I simply don’t have time. The danger means I wouldn’t want my child to do it at this time of year even if there was time. Our buses also add hours to the day- dc goes to school 10 miles away and can take 90 minutes to actually get home, what with buses not having drivers, traffic congestion, etc.
I work 6 miles from home and again, there isn’t time to walk it and cycling isn’t safe or practical with the traffic we have on the roads. By bus would be 30 minutes plus the 45 minutes to reach the bus stop.

Let’s say I try this. I leave work at the earliest at 4, so I get a bus at maybe 4:15 if I’m lucky. Arrive at my home at perhaps 5:30.
Once home, I need to start preparing the lentil stew, which will take at least an hour. No snacks, so we’re all hungry. My child got home with me, so is doing homework. Nobody’s walked the dogs. Actually, maybe the dogs are also a luxury? We sit down to eat at about 7, wash up in cold water and then go to bed to save on electricity and also to prepare to get up at 5 in order to walk to work the next day, leaving by 6am in order to get to the bus stop for the bus which will get us to work and school on time (we’ll actually arrive about half an hour early, but the next bus would get us there late, so early it has to be).

No hobbies, no time for shopping (on shopping days I’d be getting home at gone 7 and would still need to cook) or other administrative tasks, weekends spent doing housework and all the laundry, etc. I didn’t even factor in buses running at inconvenient times which mean you waste a lot of time waiting around, or not running at all.

It sounds miserable, and if that’s what I should be doing, as a teacher on a professional salary (or frankly on any full time wage) in the UK, one of the richest countries on earth, then that’s disgusting.

As it is, I am lucky and privileged, but I see my income going less and less far, and my lifestyle being curtailed even as I cut back on things we can do without. For those with less to trim in the first place, it’s scary times.

SlothfullyYours · 25/11/2025 22:15

PP linked to a report that stated 18% living in poverty proves my point. 82% aren't living in poverty - so Britain isn't broke

And yes it is disgusting that 12 million people live in poverty before anyone gets worked up at me.

OP posts:
UnhappyHobbit · 25/11/2025 22:35

Bjorkdidit · 25/11/2025 14:41

More shockingly that someone would prioritise their own fripperies over their child’s health and comfort. <awaits inevitable whataboutery>

Exactly this. It’s like you can’t point out the obvious failings here about anybody because we are moving away from accountability. This story is awful! Poor child and selfish parent in my opinion.

AngelicKaty · 25/11/2025 22:43

SlothfullyYours · 25/11/2025 22:15

PP linked to a report that stated 18% living in poverty proves my point. 82% aren't living in poverty - so Britain isn't broke

And yes it is disgusting that 12 million people live in poverty before anyone gets worked up at me.

No, 18% live in absolute poverty - 21% live in relative poverty. You clearly think that's just fine and dandy because the majority aren't living in poverty, but you need to give your head a wobble if you think that 1 in 5 people living in poverty in one of the world's supposed richest nations is OK. 🙄FFS do some diligent research on the subject instead of posting ignorant BS on MN.

Lastfroginthebox · 25/11/2025 22:47

XDownwiththissortofthingX · 25/11/2025 15:19

If, for argument's sake, you purchase a £5 coffee on your way to work each morning, 5x per week, it's roughly £100 per month, lets ignore holidays or days you don't bother and call it £1200 per year. So you start this habit at 20, so lets propose you stop at 25. 5 years further on, at 30 years old, you've saved £6000 in coffee. Whoopee! Great!

Go to the bank with a 6k deposit and ask for a mortgage that is 10x your annual salary and see how you get on.

Edited

The coffee is only a tiny part of it. Buying sandwiches, TV subscriptions, takeaways... There are plenty of extravagant habits people dismiss because they see each as 'only a little amount' but don't add them all up and see the bigger picture.

UserFront242 · 25/11/2025 22:53

Lastfroginthebox · 25/11/2025 22:47

The coffee is only a tiny part of it. Buying sandwiches, TV subscriptions, takeaways... There are plenty of extravagant habits people dismiss because they see each as 'only a little amount' but don't add them all up and see the bigger picture.

I think the point was that people spend money on those things as they will never afford to buy a house anyway.