to be fed up about never having any money even though DH earns (just) over £100k?

[MakemineaGandT]

I know it sounds like a lot, but with a big mortgage and all the other usual bills we have very little disposable cash.

We don't have a cleaner or any other kind of help

Neither of us has had any new clothes for at least 18 months

We spend £100 a week on groceries, so hardly extravagant

We haven't been on holiday for 3 years

We do all DIY etc ourselves

We've been out twice this YEAR

I just don't know how we can cut back. It feels as though we are working so hard and yet we are always struggling.

It makes me really annoyed when I see comments (for example on that taxing over £150k thread) about the "super rich") - I guess on paper we look "rich" but it certainly doesn't feel like it!

Forgive me, £100pw on groceries, that sounds expensive? How many in your family? Honestly, not trying to pick bones, as I think everyone is feeling the pinch so do understand.

do you think so? that's for 4 and includes all the nappies etc etc

i am sorry i tried really hard but i can't manage to muster any sympathy, what on earth do you spend it on. is your mortgage massive?

I think you are being unreasonable! 100k is an awful lot of money, what on earth do you spend it all on?! Perhaps you need to get a less expensive house to reduce your mortgage and so giving you more disposable income.

How much are nappies nowadays?

Why do you have such a big mortgage? I have zero sympathy. What are you spending it all on??

I have a dp and 3 children I have just spent £66.56 on our weekly shop and this includes nappies, wipes and baby milk.

Wasn't this done last month?

Well your money must be going somewhere. Our household income is way less than yours and we have bought clothes/been on holiday etc this year, so you're doing something wrong. Write it down to the last penny and then make changes.

We've been there and done this thread before. I think you will find that many posters will not sympathise much.

We survive perfectly well on less than half of the figure you say you are struggling on.

lots of money goes on running two cars I imagine.
also, are you putting money aside, into savings and pensions?
that woul dbe my guess

Um, I'm sympathetic insofar as I think you're going to get a real slagging off on this thread. But I have to say, you sound like friends of mine who claim poverty because by the time they have paid mortgages on their big house and their holiday house, and the kids' school fees, there's no money left. The point is, you have a choice about how to spend your money, and you have chosen a big mortgage.

Some of us live in rabbit hutches and still have very little disposable cash. I think it's a bit unreasonable to expect us to feel your pain

Make a spreadsheet, list incomings and EVERY outgoing, have a sheet for your bank acct, and sep sheets for your credit cards.

You'll soon see where it goes and be able to look at where you can cut back.

thanks for trying Goat I guess I set myself up for that. Don't get me wrong, I don't think I'm hard done to or anything (I really do know how lucky I am) - it's more the attitude that we must be rolling around in cash scoffing caviar and jetting off on hols all the time that annoys me. God knows how much you'd need to earn for that sort of lifestyle!

(yes, mortgage is massive...)

YOu'd think that if you earnt c£100k then you'd be more than comfortable.
You must either have a mammoth mortgage or lots of debt? Or both?

info www.mumsnet.com/Talk?topicid=am_i_being_unreasonable&threadid=642303-For-my-husband-to-earn-p ound-65-000-per-annum#13074183

Sorry for the flaming you are about to receive OP - good luck.

If £100k after tax yabu

If £100k before tax then yanbu

I would be more sympathetic but we manage on £14k. What do you spend it on? We eat well enough on £100 a month including nappies etc. and have bought a few clothes this year.

You chose to take on a big mortgage!

Gah!!

for info !!!

Are you sure neither of you has a friend named Charlie? I can't believe that four of you whack your way through that much every month without at least some of it going up someone's nose.

actually even after tax you are being a bit U.

There was a massive thread on this recently.
We managed on less than £18,000 income last year and sill had a holiday with 3 dc and others do so on much less.
Do you have a massive mortgage to have no disposable income from 100k ?

You're comfortable. You have no real worries. Most people in this country are surviving on a lot less.

No sympathy from me.