To think it’s crazy that National Minimum wage is £27k

[Butterflyfluff]

Yet it’s not really enough to live on 😢

My first job paid £7.5k per year and I thought I was loaded! And I’m not ancient.

Now 2 people on NMW earn over £50k between them yet it’s really not enough these days.

He should probably give it up then as he’s a terrible tradesman. He’d be better employed as a lackey on a building site getting paid more.

But that’s not actually true is it? He earns much more than that and you’ve just quoted his salary, which is wildly different to his income.

That’s what will be claimed when HMRC come calling 🫣

And yet we have a gross income of £80k and struggle to make ends meet.
We're stuck in a debt spiral and have been for years. Can't get out. Every time one of us earns a tiny bit more, everything else becomes more expensive and we still can't pay off the debts we have.

He takes home £1000 a month and works full time?

Is this some dodgy self-employed tax scam or is he just a really rubbish tradesman!?

Yeh… sure 😂 that’s just what you tell HMRC

A lot of jobs are part time with shift patterns that don't allow second job.
Full time hrs are thin on the ground in NMW sectors.

The person you are replying to isn’t the poster claiming the low income. She is just trying to tell people what is really going on without saying something that would get her posts deleted…

I would genuinely love to know how this is possible - our council tax, utilities etc are north of £10k per year before anything else.

No darling, that's what he declares to the tax man.

Of course he does. I’m sure you live quite comfortably on all the cash he doesn’t earn. 😂

You would get a fair bit in Universal credit too ....

It isnt.

@intrepidpanda bet you’re wishing you hadn’t posted now…it’s not your husband and you were just explaining what they were doing and now everyone is replying like you’re the one claiming a low income 🫣 got to love mumsnet sometimes don’t you

Yep, and zero hour where you are expected to be on call, but for no extra pay. So you can't get a second job then either.

He must be self employed? Is that a dividend he "pays" himself, so he doesn't pay tax?

Because for ft hours of 37.5 per week, that's £6.44 ph, which would be highly illegal for an employer to pay him that rate! Even under 18 year olds NMW is £8 ph!

You say you have kids, on those amounts surely you would also qualify for Child Benefit and UC?

Do you have visibility of the household finances? I am a little bit concerned that you're being duped into what your household income actually is, or there is something amiss with creative accounting!

I wasn’t . I don’t recall anyone in my friendship group or my family doing that either.

That’s what intrepid is saying…she isn’t the poster who claimed 20k income

That’s not when I grew up, no.

Or do you mean what I said about becoming spoilt in the last 30 years? Maybe I mean 40/50 years then!

The tax allowance has not increased for years, it should be around £15600 today.

Yes, I wasn’t doing that in 2000 either. I was a young adult, just graduated. I didn’t go on many holidays then, and definitely had no credit cards. I did go to the pub quite a lot though 🥴

Quite. My family were quite well off when I was growing up. By the time I left home to go to uni I'd only had 6 foreign holidays. That was more than a lot of my friends. Nowadays I don't know many families who don't go abroad at least once a year - many go away 3-4 times a year.

I have far more respect for people who live comfortable lives on modest incomes than I do for clowns earning massive £100k+ salaries who cry about supposedly not having enough to live on.

50k pp? Or between 2 as a gp?

Try being a pensioner. They have half that to live on.

Does he take dividends Amie pay you and your dc the same amount as well as dividends?