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We earn nearly 5K a month but we’re always skint

514 replies

MoonlitMabel · 16/10/2026 11:04

Me and my partner have been together 6 years and we have 6 kids between us. We both work and on paper we should be doing ok but honestly we seem to have no money left most months and I dont understand where its all going.

I earn about £1450 a month after tax and he usually brings home around £3200 but it depends on overtime. We get child benefit as well and I get a bit of maintenance for my older two but its not a massive amount. So I know we arent on a low income exactly, which is why its frustrating that we are always counting down to payday.

I have DS11 and DD8 from my previous relationship, he has two girls aged 13 and 10 from his previous relationship and we have a DS who is 2 and a DD who is 8 months. The older two live with me full time. His girls have only recently come to live with us full time because their mum moved away and they wanted to stay with their dad. Their mum isnt paying maintenance at the moment. I dont blame the girls for any of this and they are lovely, its just obviously a lot more expensive having two extra children here all the time.

We rent a 3 bed house and its quite full now but moving isnt an option at the moment. Rent is £850, council tax is about £180, then all the usual bills, phones, petrol, car insurance etc. He pays the rent and most of the bigger bills from his account and I tend to pay for the food shop, things the kids need and bits for the house. It sort of ended up that way rather than us sitting down and deciding it was fair.

The thing is he keeps saying I need to cut down on the food shop. Last night I spent £235 and he was genuinely shocked when he saw it, asking how on earth I had spent that much and saying I need to look at my spending. I know £235 sounds a lot but its for 8 people and I got nappies, washing stuff, toilet roll, packed lunch things, milk, fruit, meat etc. I wasnt buying loads of treats or anything particularly expensive. We were running low on quite a few things so it wasnt even just food.

I did get annoyed because he has been ordering more Airfix stuff recently. He builds the models and paints them and its his hobby, which I do understand, everyone needs something they enjoy. But he will order a kit for £35 then paints another time and tools and bits for another £20 or £30 and he doesnt seem to see it as much because its not all in one go. He says its his hobby and he doesnt go out drinking or spend money on nights out. Fair enough but I dont have money to just buy things for myself whenever I want. If I need clothes or something I usually leave it until the next month.

He says thats different because the food shop is something I can control and I need to plan better. He reckons I buy too much and we dont need half the things I get. I said if he wants to do the food shop and feed all of us for less then he can have a go because its easy to criticise when you arent the one trying to make meals out of whats left in the fridge. That probably didnt help the conversation.

He then said since his girls moved in everything costs more and I seem to have a problem with it. I honestly dont. They are his children and of course they should be able to live with their dad if thats what they want. But we didnt really sit down and work out how much more it would cost or change how we pay for things. We just carried on as before and now we are struggling even more.

He has debt repayments as well, credit cards and a loan from before, which come to around £500 a month. He says those are fixed payments and have to be paid so theres not much he can do about them. I agree they need paying but it means a lot of his wages are already spoken for before we have even bought food or put petrol in the car. His overtime isnt guaranteed either so some months he gets less than £3200.

I dont know if we are just spending too much or if this is what it costs to run a house with this many kids now. We dont have expensive holidays or go out much. The kids have clubs and school things to pay for, they grow out of clothes and shoes, the little ones need nappies and all that. Then theres always something else, a birthday or a school trip or something needs replacing.

We dont have a joint account and neither of us has a proper idea of what the other has left after bills. He thinks he pays most of the money out because the rent and bills come out of his account, and I feel like Im constantly spending mine on everyone and everything and never have anything left. We have never actually added everything up together which I know sounds stupid.

I dont want this to turn into me saying he shouldnt buy his hobby stuff or that his girls cost too much, because thats not what I mean. I just dont see how we can both be working and bringing that much in and still be skint all the time. Is £235 actually ridiculous for a weekly shop for this many people or do I need to look properly at what Im spending? And how do other people split everything when there are children from previous relationships as well?

OP posts:
AshCullen1894 · 16/10/2026 16:03

It's convenient that he blames You for overspending. Sounds like he has his head buried in the sand a bit.

Pinadaqx2 · 16/10/2026 16:05

FancyPantsThatArentThatFancy · 16/10/2026 11:06

It’s his debt that’s costing you money.

I dont think it is. How did OP mangr before her partner? Even with the debt he still earns more.

Has your partner contacted CMS OP?
Where do you donyour food shop? Can you shop in Aldi? Make things like a big lasagne and chilli?. Your partner can try do the shop shop next week....

Home bargains is cheap for 60 wash tabs £10. Or you can get a large box of surf for around £14.

Aldi nappies and wipes.

FinalNameChange · 16/10/2026 16:06

First post:
“He has debt repayments as well, credit cards and a loan from before, which come to around £500 a month. He says those are fixed payments and have to be paid so theres not much he can do about them.”

at 11:52 this is added:

“His debt is mostly credit cards, he just sticks things on them and then pays them off a bit at a time but then more goes on and it mounts up again.”

Has no-one else noticed this?
The partner says this £500 is a “fixed payment”. He needs to start STOP SPENDING on the Credit Card and start paying it off.
This is effectively his personal spending money. £500 a month.

Danikm151 · 16/10/2026 16:07

Have you checked if you’re elected for UC? With both of you working you’ll get help towards childcare fees, the children’s element and standard and housing. A deduction is taken for your wages but it seems like you may get something. Even if it’s £100 a month-eligibilty for UC will mean the kids can get school dinners free too.

LastNightMyPJsSavedMyLife · 16/10/2026 16:08

You have 2 more children than you can afford

LilyBunch25 · 16/10/2026 16:10

Mossyfox · 16/10/2026 16:00

It sounds a reasonable income but it's stretched when you have six kids. You both need to cut back all round or earn more. If you feel you can manage finances better on your own then live apart. And £500 towards debt is a big chunk of your income.

Living apart will just increase costs overall. Two lots of rent, two lots of council tax even with 25% rebate. Two lots of standing charges and costs for gas and electricity. Two lots of water charges. Etc etc. Absolutely no overall financial advantage and how will that work with the six children with different parents? Who takes who?

NanFlanders · 16/10/2026 16:11

I don't think it's very helpful for people to keep saying that the OP and her partner should have had fewer children. They are here now and need to be fed! Has your DP looked at Martin Lewis' moneysavingexpert website - there are often good offers for transferring credit card debt to an interest-free card? (N.B. Cut up the card as soon as you get it, so you aren't tempted to spend more). Your DSCs' mum should be paying maintenance - have you tried the CSA if she is refusing to do so? Aldi is a good call, and your meals seem to be as good as it can get in terms of cheap and nutritious. Home-made lentil soup is a good one to add in. Batch cook and freeze so you aren't paying for energy twice. Also google 'cheap student recipes' - there are loads at this time of year.

Pinadaqx2 · 16/10/2026 16:11

You might be better moving this thread to large families. They will advise better OP.

Read your updates now.

AnneShirleyBlythe · 16/10/2026 16:17

MoonlitMabel · 16/10/2026 11:31

Obviously I know kids are expensive lol I’m not thick. But we werent struggling like this before his girls moved in, and I’m not saying they shouldnt be here, they are his kids. It’s more that whenever I bring up money he just says it’s my spending and I need to cut back. Like the food shop is the problem but his own spending doesnt seem to count because its his hobby. I know we need to sit down and go through everything properly but it’s a bit unfair to act like it’s all me.

How can it be you when he is paying £500 in debt repayment & spending £? on his hobby? I bet majority of your salary goes on the kids/house too! COL is high and getting higher all the time so you need to get organised with a budget etc.

Tebheag · 16/10/2026 16:17

I think the food shop was ok you got a lot of stuff for 8 people inc nappies.
Hope you get DP to sit down and do a speadsheet of the spending if overtime is not gauranteed dont count it while you work out the budget.
If you where fine while he paid maintence you should be ok with 2 extra kids to feed unless he was paying very little.
Also look at his credit cards get rid 500 pm is a lot for debt.

SeriaMau · 16/10/2026 16:19

It’s all the man’s fault, surely?

Birdcatdog · 16/10/2026 16:21

We earn roughly the same amounts due to me working part time to do the schoolrun ect. We pool all out money in a joint account and every thing comes out of it. I have one child from previous relationship and 1 child together. My husband has always treated my eldest as his and has never questioned sharing the finances this way. We are a family, no one has less than the other thia way

ThatCyanCat · 16/10/2026 16:21

thebabessavedme · 16/10/2026 15:44

Has anyone else wondered how a bloke with 6 kids has time to play with airfix?

No. I'm pretty sure I know how he manages it...

friedaklein · 16/10/2026 16:22

ThatCyanCat · 16/10/2026 16:21

No. I'm pretty sure I know how he manages it...

I am not wondering either...

BandyUrnham · 16/10/2026 16:23

ThatCyanCat · 16/10/2026 16:21

No. I'm pretty sure I know how he manages it...

He doesn't have 6 kids. He has 4 and two step-kids. He's fortunate that he has a housekeeper/nanny with a fanny and a separate income..

goldenpanda · 16/10/2026 16:23

Open a joint account and each pay money into the joint account each month, leaving each of you the exact same amount in your personal accounts after your contribution to the joint account.

Then pay all joint expenses, including the food shop out of the joint account.

Individual expenses come out of your own accounts. Then I think you will both soon realise that he is actually just used to having more money to spend each month than you. It’s just not viable to you at the moment.

RageBates · 16/10/2026 16:24

Where are you living that your rent is that cheap!!

Two extra mouths to feed will make a huge difference, especially growing children.

My only suggestion is things like bulking meals out with lentils (in Bolognese for eg) and doing cheap pasta dishes.

His debt is extortionate though.
Any chance he can consolidate it and lower the payment?

foursquares · 16/10/2026 16:25

InkyTreasuresbookstore · 16/10/2026 13:23

We bring in a little under what you do with two adults, two working adult dc and no mortgage and things can somethings be a little tight. No wonder it’s a struggle with 6 young kids.

Obviously things will get easier as they get older but if you decide to have so many kids then you have to cut your cloth accordingly or live as frugal as possible right now.

How are things tight when you bring in £5k with no mortgage? Are you in London?

We are in similar situation, maybe £5.8k, with no mortgage, and usually save £1.5 - 2k, excluding holidays.

FunPartyIdeas · 16/10/2026 16:25

RageBates · 16/10/2026 16:24

Where are you living that your rent is that cheap!!

Two extra mouths to feed will make a huge difference, especially growing children.

My only suggestion is things like bulking meals out with lentils (in Bolognese for eg) and doing cheap pasta dishes.

His debt is extortionate though.
Any chance he can consolidate it and lower the payment?

I was reprimanded for asking that!!! Our rent is just shy of £1500 pm for a 3-bed!

Calliopespa · 16/10/2026 16:26

friedaklein · 16/10/2026 16:22

I am not wondering either...

Same way as he has brought debt to the relationship which he continues to add to: ie' by putting his wants first.

Rituelec · 16/10/2026 16:26

Shopping costs are not unreasonable and rent is pretty cheap. Thats double what we have a month! (4 kids)

Username7258 · 16/10/2026 16:30

I don't think the food shop is huge either if it's genuinely everything for a week for 8 people. There is definitely frittering going on somewhere though and unfortunately all you can do is go through what you've spent properly.

I'd print it out for a couple of months then highlight in different colours. So maybe red for fixed and needed (rent, council tax, petrol to work), yellow for needed but variable (food shop, any bills you could change providers for), and green for could be cut (airfix). Then go through everything that is green first working out if it's worth it at all and yellow second working out if you can reduce it. Bills should all be checked that you're getting a good deal including loans and credit cards.

Paying off loans and credit cards should always be a priority. Then get rid of the card because he clearly can't control himself.

EverybodyLTB · 16/10/2026 16:32

Your food shop isn’t extravagant for 8 people plus nappies etc. you should be much more comfortable than you are! I spend that a week easily on x4. You have a DP problem, who thinks that growing kids should have less food while he racks up credit card debts and plays with airfix. If you haven’t sat down and gone through finances together and have no way or intention of doing so, then you’ll be stuck arguing about this forever. Why do you have no time or money for yourself and yet he does whatever he likes and the family budget has to cover it? You need to go never everything on both of your statements - which he will hate/refuse - with a fine toothed comb and cut non-essentials like a grown man’s toys. Not fucking food. Also claim CMS from the mum, even if it just £20 a month better than a poke in the eye.

VoiceFromThePit · 16/10/2026 16:35

So your housing is £1k, his debt is £500, your household utilities should be way less than £1k (my 3 bed is 2,500 sq ft and ours are £200 for gas and electric, £200 council tax, £50 internet, water £50, house insurance £50, so a total of £550). If your food bill is £1k a month then that sounds pretty good as it’s about £4 a day each). That would amount to:

£1k rent
£1k food (and things like cleaning products, wipes)
£1k utilities (could include a car here)
£500 debt

So where is the other £1.5k going?

Maybe you are choosing to have multiple cars and they are costing you a packet?

You probably have an OH problem, he needs to grow up and clear his debt before buying airfix tat.

If you’re truly a partnership you would share all income, such as all into one pot, all bills including food come out of it and and you have a small amount of equal personal spends for haircuts / airfix for example.

CountryGirlInTheCity · 16/10/2026 16:36

OP I’d make an appt with a debt agency like step change or CAP and they will help you to get an overview of all your outgoings. Their systems have built-in monthly amounts (agreed yearly across the industry) for every conceivable thing you spend on and it flags up if you are overspending in a particular area. I imagine the main thing they will do is to tell your DH to stop spending on his credit card and get the thing paid off once and for all.

Alternatively you could have a go at budgeting yourself. You can download an SFS (standard financial statement) - which is what a debt agency would go through with you. An SFS has an entry for everything you spend on and you input what you spend each month on eg groceries, toiletries, insurance policies and so on…It calculates what you’re spending in each area and compares it to your income. It involves being completely transparent, so your DH will have to produce his own bank statements and credit card bills so you can go through them together and add up where the spending is happening. I imagine he will have a big shock on how much he is frittering away.