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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to feel deflated after payday despite a decent salary?

502 replies

Wtfisisfor · 24/04/2026 08:04

Do you ever just get paid and think seriously is this it… I got paid this morning 3100 was put into my account, I transferred 1400 to the joint for bills and household expenses. And I’m left with the rest, but when I look at it, I just think, is this it? Anyone else? Just feeling a bit defeated today! I know to some people this is a lot of money. But these days it really doesn’t feel like it. Come and join for a moan

OP posts:
lovealieinortwo · 25/04/2026 14:21

Apprentice26 · 25/04/2026 11:26

£2k per month when paying £30k per year is a net contribution of £6k per year for everything else you utilise
More people should be paying more, nobody should be reducing their contribution or taking more from the pot.

This doesn’t even make any sense!

Nothingl3ft · 25/04/2026 14:45

gloopyshoopy · 25/04/2026 11:48

Calm down indeed. Take you to task or just a debate? You are correct. Lots of people are devalued. It just was not happening here and I do not know why it always spirals into a competition of who has it worse. I think you are perhaps thinking things are aimed directly at you because I'm quoting you (rightly or wrongly, can't say I care). Which isn't nessarily what is happening. But I'll brush up my forum etiquette for those who are slightly sensitive and interpret things so personally so noone feels "taken down". It's an anonymous forum where all kinds can be misinterpreted.

Yes, by quoting me you're directing the comments at me, as well as the poster(s) in that quote history- or why bother quoting?

Sensitive my arse, you got me wrong and don't like it that I've 'debated' back, using the same sarcastic and patronising tone you have been using, to point that out.

I actually agree with a lot of your points, especially the top trumps, and you seem to have taken out your ire on me, for saying that I think some roles are devalued by some individuals and by society in general, as part of the discussion.

But you carry on, can be quite cathartic 'debating' things, even when you've got the essence of what the person you are debating with wrong!

Apprentice26 · 25/04/2026 16:29

lovealieinortwo · 25/04/2026 14:21

This doesn’t even make any sense!

You probably needed to read the other poster in context for the maths to add up No

lovealieinortwo · 25/04/2026 17:03

@Apprentice26 someone earning 30k is not a net contributor…that’s the point!

BIossomtoes · 25/04/2026 17:09

lovealieinortwo · 25/04/2026 17:03

@Apprentice26 someone earning 30k is not a net contributor…that’s the point!

Nobody said that. 🤷‍♀️

lovealieinortwo · 25/04/2026 17:17

@Blossomtoes that is what @Apprentice26 is saying, go back & read her posts.

Apprentice26 · 25/04/2026 17:47

lovealieinortwo · 25/04/2026 17:03

@Apprentice26 someone earning 30k is not a net contributor…that’s the point!

Nobody was suggesting it was 🙄

lovealieinortwo · 25/04/2026 18:22

@Apprentice26 so what did you mean by the below posts?

”So my adult children should be paying tax to contribute towards somebody earning over £100,000 a year to subsidise their childcare bill ?”
“I don’t bloody think so”

“There’s something fundamentally wrong with young people starting out in the world on 27 grand a year having to pay back student finance at £120 a month and then chipping in to pay for some child in West London to attend a nursery whilst its parents go out and feather their nest even furthe”

Or are you saying you didn’t understand before but now you do? If so, no issues.

lovealieinortwo · 25/04/2026 18:25

More people should be paying more, nobody should be reducing their contribution or taking more from the pot.

And what do you mean nobody should be taking more from the pot?

Are you saying state pensions and disability benefits should be means tested?

Jupiter17 · 25/04/2026 19:20

loveawineloveacrisp · 25/04/2026 11:01

Put it straight in your pension. Not a penny is deducted then.

As I explained numerous times on this thread, I had already maxed out my pension contributions so couldn’t add the bonus to it.

Jupiter17 · 25/04/2026 19:40

everynamewastaken · 25/04/2026 11:52

The reason it feels bad is because you're thinking that you're losing that much of your earnings rather than the benefit you are providing to others. I'm in exactly the same boat (end of year £21k bonus - a lot went to tax and some into pension to keep me under £100k for the childcare discounts). And honestly, I couldn't care less. I'm so grateful to earn what I do and I think the flipside of that is that I'm able to support others with lower earning and that's what my tax does.

It’s a very different situation if you can keep your eligible earnings under 100k. In fact I don’t see your situation is anything like mine at all.

You don’t pay 60% tax, you receive full funded childcare hours and access to tax free childcare. I had none of that.

whydidyoudoitfin · 25/04/2026 20:05

Jupiter17 · 24/04/2026 08:13

I know exactly what you mean. I’ve just received my payslip for this year’s bonus and see that of the 20k awarded I have lost 14.2k of it in stoppages.

What is the point of working hard to achieve a bonus and then end up with just 5.8k out of 20k?

Don't get me wrong, I am well paid but at the peak of my career I’m now looking at ways to work less due to the tax structure. That’s a ridiculous situation that benefits nobody.

How else are they supposed to support the indolent and workshy? You have to be a sugar mummy to the lazy entitled, don't ya know.

whydidyoudoitfin · 25/04/2026 20:06

Jupiter17 · 25/04/2026 19:40

It’s a very different situation if you can keep your eligible earnings under 100k. In fact I don’t see your situation is anything like mine at all.

You don’t pay 60% tax, you receive full funded childcare hours and access to tax free childcare. I had none of that.

Edited

Don't bother defending yourself people here, people will always resent you on Mumsnet for being a higher rate taxpayer.

OrangeBlossomsinthesun · 25/04/2026 20:35

whydidyoudoitfin · 25/04/2026 20:06

Don't bother defending yourself people here, people will always resent you on Mumsnet for being a higher rate taxpayer.

I don't resent people money. I resent people who have half my monthly income available to save and think they are somehow hard done by. I am sure they work hard, but so do I (40 hours a week, rolling shifts).

PigletJohn · 25/04/2026 21:31

whydidyoudoitfin · 25/04/2026 20:06

Don't bother defending yourself people here, people will always resent you on Mumsnet for being a higher rate taxpayer.

Or perhaps it's the moaning about it.

whydidyoudoitfin · 25/04/2026 21:33

PigletJohn · 25/04/2026 21:31

Or perhaps it's the moaning about it.

Freedom of speech. People are right to moan, people who do the least work get the most at us higher-rate payers' expense.

ruethewhirl · 25/04/2026 21:50

whydidyoudoitfin · 25/04/2026 20:05

How else are they supposed to support the indolent and workshy? You have to be a sugar mummy to the lazy entitled, don't ya know.

Grow up.

whydidyoudoitfin · 25/04/2026 21:52

ruethewhirl · 25/04/2026 21:50

Grow up.

What ever do you mean?! I am glad the money I pay to support other peoples children goes on lash extensions and cocaine, it makes me feel very patriotic.

DurinsBane · 25/04/2026 22:04

Wtfisisfor · 24/04/2026 14:16

1700 left so

700 - savings
150 - fuel
250 - mums birthday gift and dinner out for the family (significant birthday!)
60 - physiotherapist
100 - dc summer clothes (just a few bits)
300 - holiday savings

thats 1560 so that’s 140 to do anything for me…I like to go to yoga once a week so that’s 10 a class…that’s 40 based on 4 weeks. No doubt something else will crop up like a dentist appointment or whatever.

dh will pay towards holiday too and all dc’s activities. Etc.

really living the high life

Edited

Well you are putting a grand into savings. That is pretty good going!

ruethewhirl · 25/04/2026 22:06

LlamaBasket · 25/04/2026 00:32

There are options to get another job, or improve education to skill up.

My underlying belief is that if you are working full time and earning your own money, then you do not have to be grateful for what you’re allowed to keep. I think the implication that people should be grateful to keep any of their own wage is disgraceful.

I think anyone receiving state money should be grateful for that support yes. Not because I think they are less than, but they are receiving a hand out, paid for by others. I could one day through no fault of my own, end up in that position. I would in that case be extremely grateful.

There are options to get another job, or improve education to skill up.

On the face of things, yes, but you sound rather naive about the achievability of that for many people. For one thing there aren't enough jobs to go round, and for another the ability of people to improve their education or skill up is partially dependent on baseline intelligence levels, which are variable.

As for the necessity for the genuinely needy to feel gratitude for benefits, in most cases they will either have paid into the benefits system previously themselves or will go on to do so, so not just 'paid for by others', and in that scenario there's no gratitude required as far as I am concerned. I'm just glad this country provides support for its needy as any civilised country should.

ruethewhirl · 25/04/2026 22:08

whydidyoudoitfin · 25/04/2026 21:52

What ever do you mean?! I am glad the money I pay to support other peoples children goes on lash extensions and cocaine, it makes me feel very patriotic.

Would you like some vinegar for that chip on your shoulder?

whydidyoudoitfin · 25/04/2026 22:29

ruethewhirl · 25/04/2026 22:08

Would you like some vinegar for that chip on your shoulder?

implying I would be jealous of chavs in my beautiful grade ii listed 100sqm house. be real

Apprentice26 · 25/04/2026 22:45

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PigletJohn · 25/04/2026 23:22

whydidyoudoitfin · 25/04/2026 21:33

Freedom of speech. People are right to moan, people who do the least work get the most at us higher-rate payers' expense.

Thanks.

I am free to moan about people earning above average incomes who try to make out they are hard up.

whydidyoudoitfin · 25/04/2026 23:29

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