For my husband to earn £65,000 per annum and we still can't afford to live in this bloody country!!

[winegoddess]

Mortgage has gone up, electric has gone up, 5 mouths to feed, 3 children to clothe etc etc and month after month is a bloody struggle. Am fed up with straping money together when my husband earns a good wage and we should be able to get by! I now need to search for a way of 'me' bringing in some money but with a young baby at home and 2 others at school i am at a loss as to how! Please give me some job ideas or ways to make money!!

TBH I don't see why he can't afford a 2.5 K holiday on that income. Unless it is one of several holidays. Or other outgoings are seriously high.

OP...this is, surely, a wind up?

Honestly, it's quite pathetic....

if you are strapped for cash, maybe have a cheaper holiday?

Tbh...I can NOT understand how someone earning that much can have difficulties to afford to live in this country....

My dh works his socks off....I think we deserve a Holiday....but bo-blardy-hoo...we can't afford one....I mean, we deserve one...honest....it's just not fair...[throws a major tantrum emoticon], and as dh is changing jobs and we will have a najor drop in income, it's highly unlikely we will ever be able to afford anything but camping in teh sunny UK...but, you know money really isn't everything...and we know that if we managed our finances differently we would possibly be able to afford a Holiday....but....I suppose we don't care enough about it!

It's all about making decisions and setting priorites...but still, can't really see how it can be hard to live on that kind of money....

You can say that again!!

I am sorry but you are asking to be criticised.

Although I can see your point. We used to be on a similar income (not anymore, no where near ) but we were never well off.

You need to look at your out goings. I know thats patronising but its as simple as that

plenty of non surgeons earning that sort of money.

Yes, they pay a lot in taxes, but it still leaves more than lots of people's before tax income - taxes aren't really all that progressive any more, once you're over £35,000 it's all 40%

Like i said, i am new to mumsnet and having come under attack and been shot down by so many people i don't think i will stay a member. Sorry once again if i thoughtlessly upset anyone, like i said before i thought i had found a group of people that i could just talk freely and openly with and for once just be myself. You've made me feel that perhaps just being myself is not a great thing if i am capable of upsetting so many people without any intention to do so. My husband is a Doctor, so i do feel that that is a worthwhile job and he doesn't just sit at a desk with a secretary. We do have huge outgoings and were actually going to go into debt for a holiday that i mentioned a while ago, and that was foolishly to try and forget about our problems. Anyway, apologies once again.

i don;t think it is a wind up

it is someone making the fatal mistake of (a) assuming EVERYONE on MN is the same as her and (b) AIBU topic

We struggled on an income of over £30k but I have now given up work so we have an income of £17k - god knows how we will cope, but we shall muddle through, like everyone else.
I have little sympathy for you having that income tbh.

mortgages have gone up.
We are on a 2 year fixed which will expire in Dec and our new payments will be £60 a month more, at least.

Its all realtive though

you dont know how much their mortgage, insurance etc is

Alot of people are struggling. I know people who earn alot comparotively to say someone who works a manual job but they are struggling more in the current climate. You know, I think the vast majority of us, whatever our wages, need to put our heads down, meet all the bills and ride this turbulent time out. Its not easy

don't go winegoddess

it is practically an MN rite of passage to have a flaming

If you stay you will find lots of good advice and help

pamelat, surely not with new cut in base rate? See other thread.

OK. Constructive advice. Go through all your outgoings in order of importance - mortgage, food etc at the top of the list, down to the least important. Decide which, if any, can be cut out completely. Go though the list again and 'think the unthinkable' to make sure the essentials aren't just nice-to-haves (we did this a few years back and I stopped my gym membership and started running instead, just for an example). Cut those out too. Then go through the essentials and see if there is any way of reducing the cost of those things. Even a small reduction in cost can help (Aldi isn't as bad as you might think)

Oh, the initial flaming is part of the membership process. Hang around.

I know that ramona - the surgeon comment was made in relation to the debate about 'deserving' and 'working hard' . Sadly plenty of fat cat execs earn way more than surgeons, but in my eyes they don't always deserve it. hence the surgeon comment.

winegoddess stay, it really is an MN rite of passage to have your first thread torn apart
I survived, I'm sure you will.

Hey Winegoddess, welcome to Mumsnet. We are a friendly and honest bunch. You've got to give as good as you get. This is a public forum, if you ask somebodys opinion you get it, without the fluff and the glitter.

Unless your mortgage is really big, or your children get private education it is hard to see how you can not make ends meet on 65k.

We earn £23k as a family, and did not find it particularly hard, we used to live in London.

If you live in the South East YANBU.

OP and many others of us have lost out thanks to the current government discriminating against people who are married and where one parent earns a good wage and the other stays at home to look after the children while they are young.

If Ops DH salary was earned half by him and half by her they would be much better off as they would not have to pay higher rate tax and would also use both peoples free tax allowance for first few thousand earned.

The cost of childcare in the SE is also so high that it is often not worth going back to work while the children are pre-school age as the nursery fees wipe out a large part of ones income.

Obviously many people have a much lower household income than OP and manage to survive but they are probably able to claim tax credits, help with childcare cost etc....so their standard of living may not always be far below that of OP.

I think the OP mentioned the salary not to brag but to point out that she was aware that they have a high income but is exasparated because they still can't manage on a salary that is much higher than the national average. That was how I interpreted it.

Where do you live winegoddess? I am assuming you must be in London.

My first ever post pretty much eneded up like this too....i name changed and here i am, still!

Yeah, you should have seen MY first ever thread, it was talked about.