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Share your dilemmas and get honest opinions from other Mumsnetters.

We can’t afford to live anymore

524 replies

ThatNavyPoster · 07/12/2025 08:16

Private school fees are killing me.

We can’t afford to live anymore. I don’t know what to do. On paper my husband and I make good money, but for the past year we’ve been drowning financially.

We send our daughter to a private school. She was attending the local village school from reception to year 3, she was the only brown child in her school. Some of the older children were calling her the P word (we are not from Pakistani, not that it would be excusable if we were) and some children in her class were making comments about her skin colour and curly hair. Our daughter had been very withdrawn the whole of year 2 and 3, we put it down to post Covid disruption.

We did not expect this, my husband and his family have been in this village forever, generations are buried in the village church. Im brown, I was born in this country and so was my Mum.

We had no idea of the bullying until I picked our daughter up from school and she had cut her hair and coloured her hands with pink pen. She said she didn’t want to have curly hair or brown skin. We tried to work with the school to address the bullying, it continued all through year 3, she was becoming so distressed and started refusing to go to school.

For year 4 we moved her to a school a 45 min drive away, in a bigger town, hoping it would be more diverse. The drive was costing us £400 in petrol a month, plus £450 in wrap around care. My husband and I considered moving, he has been in the village his whole life, he has siblings and nieces/nephews here, we were helping provide care for his elderly grandparents, despite this, he agreed to move closer to the new school. Then the bullying with the p word started again, my daughter was told “go back to your country”.

We moved her to the private school 30 mins drive from our house at the beginning of year 5, she was a different child almost overnight. It’s more ethnically diverse than either of the 2 state schools, there has been no racist bullying and she has some lovely friends. She’s now in year 7. In order to afford it we don’t eat out or go on holiday, we drive a 15 year old car and rent an EV through work. We rent out our granny annexe.

We have decent paying jobs in the NHS, but we’re drowning, over the past year our outgoings have increased by close to £1000/ month due to energy price increases (we’re on LPG oil due to being in the countryside), food price rises, petrol, vat on school fees/school fee rises. We can’t afford to live anymore.

The autumn budget tax rises will finish us off by the time they are all implemented. We are not eligible for any benefits except tax free childcare. We are not eligible for any business and the school doesn’t do scholarships. The only thing left to cut is the school fees, and I am coming to the realisation that my daughter will have to go back into the system that made her hate herself because of the colour of her skin. That thought is killing me, but the school fees are killing me. I can’t see a way out.

OP posts:
RessicaJabbit · 07/12/2025 08:19

You'll have to take DD out of the fee paying school.

MyOliveStork · 07/12/2025 08:19

Can you get any financial help from family?

ThatNavyPoster · 07/12/2025 08:19

Sorry that should say, we are not eligible for any bursaries (not businesses).

OP posts:
Cookiecrumblepie · 07/12/2025 08:19

Can you move to Dubai? I am being serious. There is racism there but lies if you’re qualified and you will have a better quality of life. England is not a multicultural country if to are in England (I assume).

Cookiecrumblepie · 07/12/2025 08:20

Less not lies

GoodBrew · 07/12/2025 08:21

Would online school be any cheaper?

baubletime · 07/12/2025 08:22

Cookiecrumblepie · 07/12/2025 08:19

Can you move to Dubai? I am being serious. There is racism there but lies if you’re qualified and you will have a better quality of life. England is not a multicultural country if to are in England (I assume).

Blimey. That’s a huge leap.

ThroughThickAndThin01 · 07/12/2025 08:22

That is so sad OP. Is there any scope for remortgaging. Can any family help out. If you could get her through these vulnerable years could she switch schools for 6th form. It’s very tough out there.

Northstar1234 · 07/12/2025 08:22

Have you spoken to your daughters current school? Whilst they mighy not offer schloarships they may offer a means tested bursary.

Toothfairy89 · 07/12/2025 08:23

You can afford to live, you just can't afford private school. Lots of people can't

Fedupofwimps · 07/12/2025 08:23

Move out of the countryside?

LVhandbagsatdawn · 07/12/2025 08:24

Sorry but "we can't afford to live anymore" doesn't gel with "we're paying thousands for private school", no matter the circumstances behind that decision.

You can easily afford to live if you stop the private school and move to a more diverse area where your daughter can go to school.

Catcatcat111 · 07/12/2025 08:24

I’m so sorry for your dd. Do you live very rurally that you only have 2 school options within a reasonable travel distance? I’m surprised that in the town there was not a school which was more ethnically diverse.

Upthenorth · 07/12/2025 08:25

I am so sorry to hear of your experience OP.

Where do you live?

I think with some research there will be a suitable state school available.

It doesn’t sound like there’s much of an alternative?

TiredofLDN · 07/12/2025 08:25

Can either/both of you get a second job? Or is there scope for a promotion?

Have you spoken to the school? You say not eligible for bursaries, but maybe worth a conversation?

Do you have family who could loan you some of the money?

Could you remortgage the house?

Usually I would think it was time to accept putting the child back in state schooling but in your case, I think I’d be doing any and everything to avoid that.

MincePudding · 07/12/2025 08:26

You already know the options:

  • earn more
  • spend less
  • free up money e.g. via remortgaging, mortgage holiday, interest only mortgage, or moving.
  • loan/gift from family
  • withdrawing her

As shit as it might be, it'd best to do it now if you can't find a sustainable way to earn more or spend less because otherwise you're kicking the can down the road and she will be more settled and you'll have less time to make decisions.

So your main choices then become about statingnin the same area and picking a school you're worried about and committing to dealing with bullying head on or moving and hoping for a better outcome.

Fwiw, I'm sorry for your experience but think you're doing the right thing in dealing with the decision now.

FirstdatesFred · 07/12/2025 08:27

Is she your only dc?
If so, sounds like you have quite a sizeable house if you have a granny annexe.

Could you move to a small 2 bed? Your bills would be so much less too.

Bambamhoohoo · 07/12/2025 08:27

This reply has been deleted

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SalmonOnFinnCrisp · 07/12/2025 08:29

You are correct it sounds like you cant afford to live.... the life you want. Which is private education and a large house.

Its sucks but tis thus....

Private schools arent the only school with diverse intake and you know that

You need a proper plan which may.inclide downsizing.

You need to get on multiple state school waitlist and say a big prayer you get something.

If you wont move....
If you are driving 45mins for private surely its easier to move area or/and send her to a differnet more local / as far away state???

Lex345 · 07/12/2025 08:29

I am so sorry your daughter, and you, went through that OP.

FastTurtle · 07/12/2025 08:29

I am really sorry your DD and family have experienced this racism, I feel ashamed to live in a country where this happens.

DontStopMeNowGoodTime · 07/12/2025 08:29

FirstdatesFred · 07/12/2025 08:27

Is she your only dc?
If so, sounds like you have quite a sizeable house if you have a granny annexe.

Could you move to a small 2 bed? Your bills would be so much less too.

Agree with this, could you move to a smaller house?
So sorry your DD went through that bullying.

AhBiscuits · 07/12/2025 08:30

Sounds like you live in a large house. If you sold it and moved to a 2 bed, you would presumably be mortgage free and have cash left over for to cover some school fees.

Maray1967 · 07/12/2025 08:31

Cookiecrumblepie · 07/12/2025 08:19

Can you move to Dubai? I am being serious. There is racism there but lies if you’re qualified and you will have a better quality of life. England is not a multicultural country if to are in England (I assume).

???

Both the secondary school my DS is in and the one I volunteer in have a significant number of non- white students. None of my DSs’ friends have been bullied as far as I’m aware. I’m in south Liverpool, not Dubai.

ACynicalDad · 07/12/2025 08:31

Our kids are mixed we’re in London, one mentioned racism yesterday, I asked if he’d ever had any, not a word has been said. Can you move to a bigger, diverse, city?

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