They have a reasonable sized mortgage, kids in state school, don't have to support other members of their family financially, so must have a pretty big disposable income. OTOH, dh and I both work full time, in relatively low paid jobs and our household income is less than 5 times theirs. And she must have some idea about that. But she constantly goes on about how she begrudges paying £2 to school for a trip or how she won't be buying big presents for her kids for Christmas because she just can't afford it. I think she needs to get a bit of perspective or perhaps I just need a new friend!