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Share your dilemmas and get honest opinions from other Mumsnetters.

Absolutely rinsed in this budget - almost £1k a year worse off.

740 replies

Mushroo · 26/11/2025 13:43

Honestly in despair at this government. On a very high level calc, we are so much worse off!

We both pay a lot into pensions, so the NI change is about £700 a year worse off.

We have an EV car, so based on our 4k a year mileage, it’s about £120 a year. (Although how it will be enforced I have no idea).

Stagnating tax thresholds, probably about £100 a year between us.

Council tax F house (4 bed end terrace, not a mansion, needs renovating). So risk of revaluation after having paid a fortune in stamp duty. We didn’t get first time buyer stamp duty relief because we bought about 2 years too early, and we moved before Covid so no relief there either. So overall we’ve paid about £30k in stamp duty already over our lifetime.

Weve already had the private school hit (which is a separate debate and we’ve accepted that) but wow, we are just being kicked on all sides.

We are classic ‘middle earners’ - earn about £70k each, but have mahoosive mortgage and pay over £2k a month in nursery fees already.

Every measure just seems to have a negative effect on our lifestyle, which is ‘comfortable’ but increasingly squeezed.

OP posts:
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Thankyourose · 26/11/2025 16:27

Mushroo · 26/11/2025 13:43

Honestly in despair at this government. On a very high level calc, we are so much worse off!

We both pay a lot into pensions, so the NI change is about £700 a year worse off.

We have an EV car, so based on our 4k a year mileage, it’s about £120 a year. (Although how it will be enforced I have no idea).

Stagnating tax thresholds, probably about £100 a year between us.

Council tax F house (4 bed end terrace, not a mansion, needs renovating). So risk of revaluation after having paid a fortune in stamp duty. We didn’t get first time buyer stamp duty relief because we bought about 2 years too early, and we moved before Covid so no relief there either. So overall we’ve paid about £30k in stamp duty already over our lifetime.

Weve already had the private school hit (which is a separate debate and we’ve accepted that) but wow, we are just being kicked on all sides.

We are classic ‘middle earners’ - earn about £70k each, but have mahoosive mortgage and pay over £2k a month in nursery fees already.

Every measure just seems to have a negative effect on our lifestyle, which is ‘comfortable’ but increasingly squeezed.

stop paying school fees, send your DCs to regular school, that save more than £1k.

BIossomtoes · 26/11/2025 16:27

RashidSanook · 26/11/2025 16:26

I agree with your comment first. All this sanctimonious stuff about "yes I want to pay more". You can donate to HMRC..if you want to make real impact. You can actually donate to charitable stuff in Ur local level. Poor person doesn't have shoes. Give them shoes with your money.

But voluntary tax donations wouldn’t have any impact.

RashidSanook · 26/11/2025 16:28

Thankyourose · 26/11/2025 16:27

stop paying school fees, send your DCs to regular school, that save more than £1k.

They probably have friends and maybe even relationships they've built in that school.

Benjithedog · 26/11/2025 16:28

Limered · 26/11/2025 16:27

Yes there are, my husband has one

Even I would have to say say he’s pretty lucky to have one of those as they are not run of the mill

RashidSanook · 26/11/2025 16:28

BIossomtoes · 26/11/2025 16:27

But voluntary tax donations wouldn’t have any impact.

But voluntary local charity stuff and using money locally would.

EmmaOvary · 26/11/2025 16:29

RashidSanook · 26/11/2025 16:26

I agree with your comment first. All this sanctimonious stuff about "yes I want to pay more". You can donate to HMRC..if you want to make real impact. You can actually donate to charitable stuff in Ur local level. Poor person doesn't have shoes. Give them shoes with your money.

I donate nearly all of my kids’ old stuff to local charities and baby banks, thanks. I work for a charity. I donate to charity. I think you’ve spectacularly missed the point. Honestly, some people won’t be happy until we bring back the workhouses.

Benjithedog · 26/11/2025 16:30

EmmaOvary · 26/11/2025 16:29

I donate nearly all of my kids’ old stuff to local charities and baby banks, thanks. I work for a charity. I donate to charity. I think you’ve spectacularly missed the point. Honestly, some people won’t be happy until we bring back the workhouses.

So the donations made to the charity don’t actually get to the intended recipients, they go to you in the form of a salary?

MiniPantherOwner · 26/11/2025 16:31

Mushroo · 26/11/2025 14:18

Honestly, the point here isn’t that we’re poor or struggling. It’s that the whole budget has absolutely nothing to offer.

We aren’t millionaires, we just have reasonable jobs, long hours and a decent family house.

We just have lifestyle erosion, which most people do, but we seem to have been hit very hard in this particular budget. Which is hard when you do all the ‘right’ things and don’t have much to show for it each month.

Don't you think that the society your family lives in has a huge indirect impact on your quality of life?

Two of the areas earmarked for spending aim to decrease child poverty and increase health spending. Children growing up in poverty are more likely to be involved in crime, substance addiction, have poorer education outcomes and are more likely to end up unemployed. An increase in health spending will hopefully reduce the number of people having to claim disability benefits and if targeted correctly could reduce the number of people with serious mental health crises who are not receiving enough support and reduce the amount of police time spent dealing with this issue.

Don't you want your children to grow up in a country where crime is low, it's not normal to have people sleeping rough, everyone gets an education and a chance to succeed in life, children aren't going cold and hungry, an ambulance will turn up quickly and support is available to people when they need it? Obviously we are currently far away from that, but without at least attempting to fix the problems austerity has helped create, they're only going to get worse.

Christmascarrotjumper · 26/11/2025 16:34

Benjithedog · 26/11/2025 16:28

Even I would have to say say he’s pretty lucky to have one of those as they are not run of the mill

That poster was a single parent yesterday....

EmmaOvary · 26/11/2025 16:35

Benjithedog · 26/11/2025 16:30

So the donations made to the charity don’t actually get to the intended recipients, they go to you in the form of a salary?

This possibly the most idiotic thing I’ve ever read on Mumsnet. Should we abolish all charities that pay any salaries? I’m guessing you volunteer at a charity, yes?

Hellohelga · 26/11/2025 16:36

ThisTicklishFatball · 26/11/2025 15:28

OP, this is MN. If you are anywhere on the scale other than the breadline, you will be absolutely annihilated. And if you dare complain about getting by on your income, you will be told to ‘read the room’, ‘check your privilege’ and all the other cliches.

Living in a country where resentment and hostility toward high earners, big houses, and anyone with more is so strong can be exhausting. Life’s too short to put up with this petty, jealous, and frankly unsettling U.K. attitude.

OP, think about whether your job, skills, and qualifications, along with those of other adults in your family, are transferable. Then consider the idea of moving abroad, leaving everything here behind, and researching if there are countries and companies offering opportunities and advantages you can’t find here.

That’s a bit extreme. Leaving the country you live in where all your friends and relations live over extra taxes you can afford because you are loaded. Go right ahead.

Benjithedog · 26/11/2025 16:38

EmmaOvary · 26/11/2025 16:35

This possibly the most idiotic thing I’ve ever read on Mumsnet. Should we abolish all charities that pay any salaries? I’m guessing you volunteer at a charity, yes?

Have I touched a nerve? People give to a charity because they want their donation in whatever from it is to get to those in need. The charity sector is suffering because people have become disillusioned with the wage bill of charities far outstripping what is actually donated.And yes I do volunteer.

BIossomtoes · 26/11/2025 16:40

Benjithedog · 26/11/2025 16:38

Have I touched a nerve? People give to a charity because they want their donation in whatever from it is to get to those in need. The charity sector is suffering because people have become disillusioned with the wage bill of charities far outstripping what is actually donated.And yes I do volunteer.

Edited

I donate regularly to Dementia UK, quite specifically to fund Admiral nurses. If they weren’t employed I wouldn’t donate. 🤷‍♀️

Benjithedog · 26/11/2025 16:43

BIossomtoes · 26/11/2025 16:40

I donate regularly to Dementia UK, quite specifically to fund Admiral nurses. If they weren’t employed I wouldn’t donate. 🤷‍♀️

I think Admiral nurses should be funded out of the NHS for all that they do. They do a fantastic job as they are actually directly offering hands on help to those who need it so the help is still going where it should. I donate to them as well because of this reason.

Beddiem · 26/11/2025 16:43

Thankyourose · 26/11/2025 16:27

stop paying school fees, send your DCs to regular school, that save more than £1k.

If you have any chance of affording it, private school is the only morally right course of action for the parents of so many SEN kids. It’s why we send our SEN child there. I’d sooner live in a tent that subject him to the trauma of mainstream state.

EmmaOvary · 26/11/2025 16:44

Benjithedog · 26/11/2025 16:43

I think Admiral nurses should be funded out of the NHS for all that they do. They do a fantastic job as they are actually directly offering hands on help to those who need it so the help is still going where it should. I donate to them as well because of this reason.

Edited

The NHS that is funded by checks notes taxation?

Bellsbeachwaves · 26/11/2025 16:45

Woollyguru · 26/11/2025 15:05

I know of someone with 7 children and a motobility BMW.

She's changed the motobility thing

EvangelicalAboutButteredToast · 26/11/2025 16:49

MasterBeth · 26/11/2025 15:45

I don't believe you. I bet your lifestyle allows you access to many things that others would consider luxuries.

Ask me

Fullofmag · 26/11/2025 16:53

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Addictforanex · 26/11/2025 16:58

Bellsbeachwaves · 26/11/2025 16:45

She's changed the motobility thing

Dumb question maybe, but how does this save money?

I have a relative who got a brand new car on disability- he said it was a £50k car - it’s a ford but I’ve been in it and it looked and felt like a Tesla inside, very high tech. He also told me that he could have paid extra for a Merc or Lexus etc but chose not to. Put aside my feeling for a moment that he didn’t need a brand new £50k car, there’s no adaptation to it etc, it’s just a free car, snazzier than my 4 year old car that I bought outright with my post tax income. What money will it save the tax payer if the contributions to the luxury cars were made personally by the claimant? I would rather they said they were tightening the scheme much further - I read a stat that 20% of all new cars sold in the UK are through the mobility scheme - wtaf?? My relative is only disabled btw because he drank himself to end stage liver disease. You can understand why net contributing tax payers get vexed by stuff like this.

Allisnotlost1 · 26/11/2025 17:05

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Gilead · 26/11/2025 17:12

There was already a rape clause for those people It existed but was rarely implemented,

Winter2020 · 26/11/2025 17:28

Happyjoe · 26/11/2025 14:49

Everyone wants not to pay tax. But they want a functioning NHS, potholes filled, good schools, NHS dentistry, good councils, streets kept clean, free childcare... and in the case of the OP, she wants to keep the household income of £140k all to themselves.

Make the complaining about tax make sense?

I think this is disingenuous. Some of these tax rises are to enable families on benefits to comfortably afford to have as many kids as they like while families not on benefits (including people on over 100k household income) have to consider how many kids they can afford when planning their families.

Clockworkbananas · 26/11/2025 17:29

I think the proof will be in whether or not the extra money raised from these rises actually results in any improvement to healthcare or reductions in child poverty.

Benjithedog · 26/11/2025 17:31

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Don’t be so ridiculous. It’s true what I’ve said. Charity donations have dropped but such a substantial amount that they are going to the wall. Most people when they make a donation they want it to go the people in need. It is fascinating to me that people who don’t agree with opinions move straight to insults.

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