Some interesting things come up for me here!
If I post that I am a landlord, people assume I am loaded.
If I post that I have an M.A, people assume I am in an academically focused career, as well as loaded.
More so if I post that I am also a centre manager of a company (as well as working).
Reality? I own the houses with someone else. Landlord profits are minimal, stamp duty is extortionate.
I have never managed to settle into a career. I have tried several, had two redundancies, been bullied out of 3 more. I have a face that does not fit. I am single.
I retrained as an adult and got another degree-equivalent qualification but now my job pays not much more than minimum wage. My mortgage is just over £900 and my wage is around £1700. What doesn't go on the mortgage goes on bills.
My company does well and is my safety net but nothing is guaranteed and I can't put my eggs in one basket.
I am not knowledgeable (i.e. haven't paid enough attention to the thread!) to comment on anything else but, I can see why someone with a good job might have to budget depending on their circumstances, where they live, other unavoidable outgoings etc.
If I posted on a landlord-ing type thread and then posted that I couldn't afford to buy my friend a bottle of wine for her birthday, or couldn't afford car-repairs, or whatever, I can see people on mn thinking I was lying.
But it is entirely possible that that could happen, if I had had an emergency bill/repair/other social activity that month or whatever.
If I posted that I worked in a very low-paid job,and someone had seen that I had mentioned I'd been to university and had two degrees (3 if you count the diploma equivilant) they might also think I was lying.
Someone in the south might think my mortgage sounded very cheap, and I must be lying that I can't afford XYZ on a professional wage, if I posted in a budgeting thread, if they had no experience of the fact that a lot of graduates do not manage to find work, or were made redundant during the recession.