Outside of ‘essential bills’, how does low salary vs cost of living impact your life right now?
Posted by bellabanjsk@reddit | AskUK | View on Reddit | 263 comments
So my question excludes housing costs, food and fuel bills, gas/electricity, internet and water costs (anything ‘essential’). For low salary I am including anything below the UK median of £39,039 annual salary for a 40 hour week.
I’ll go first! I am on £30K full time, and I hurt my back a while ago and can’t afford to see an osteopath or chiropractor. I think I’ll get through to an NHS physio in about three months!
Also can’t afford a second child or a holiday. Or a nice moisturiser. Or a gym membership. Or anything fun actually 🤣
Peasant revolt, anyone?
DrainpipeDreams@reddit
I earn around £34k but as a single parent of 2, living in a capital city, that barely covers the essentials. I end up adding to credit card debt and then having to shuffle things around to aid high interest rates. I keep telly myself that things will improve once my children finish their education and start working, as they'll either live elsewhere and I can downsize everything, it they'll live we me and it will make everything a bit more affordable. Moving to somewhere cheaper isn't an option right now due to being at crucial stages of their education and their other parent living here too.
Fearless-Summer-4847@reddit
Have you checked if you can get UC?
I_dream_of_Shavasana@reddit
I live incredibly rurally, a huge amount of money is eaten up in car costs - there is zero public transport and the nearest shop is a 40min drive away. I live frugally, it’s how I was brought up, but it’s still difficult. I’m fortunate in that I live somewhere stunningly beautiful, so don’t miss not having holidays etc but the drudgery is a bit soul destroying at times. I eat a lot of lentil soup and porridge. My children are happy though, it’s a simple life we lead but they play outside in the forest and on the beach…thank goodness those are free!
miggleb@reddit
I need a whole new mouth but when I called 101 was told they can't find an NHS dentist within a 2hour drive (I don't drive)
I get private dental in work but I have to pay up front. Can I fuck pay up front
I also qualify for cycle to work through work. I can't use it as and salary sacrifice would put me below minimum wage.
I'm paid so little I can't use the benefits they provide to justify my low pay.
Darkwaxer@reddit
Memory unlocked: I worked for EE for twelve years and towards the end of my time there I couldn’t buy extra holiday because I would drop below minimum wage. New starters from colleges were getting paid more than me. What a place.
JamsHammockFyoom@reddit
If it makes you feel any better, I currently work for BT Group and the likelihood is you'd have been made redundant by now anyway; we're haemorrhaging staff like you wouldn't believe at the moment.
Darkwaxer@reddit
I’d have taken redundancy but I doubt I mattered enough to accept it. Still winds me up how they gifted us £500/£1000 shares (can’t remember which one it was) in 2020 because of COVID performance or something and when I left mid 2022 they took them off me as I had to work for five years to keep them from the gifting.
Sounds rough, hope you manage to find your feet. There’s miles better and easier jobs out there. I’m living myself for wasting so much time with that company.
JamsHammockFyoom@reddit
Yeah, I think it was part of a pay deal wasn't it? I think we got a grand and then £500 later, it was basically a palm off to avoid giving us a higher pay rise really. Then we ended up on strike... it wasn't good, was it? 😂
I'm Openreach but desk based, and my office has just been getting quieter and quieter over the last 18 months or so. It'll get to the point where the office we're in just isn't viable, so they'll close it and send my job somewhere else at some point (I assume)
Looking to get out sooner rather than later now - I'm actively job hunting but it's rough at the moment finding something, especially when you know you're very likely going to take a pay cut.
Hopefully you're in a better place too - I never worked for BT/EE Consumer but I've a lot of colleagues who did and they all speak poorly of it.
Darkwaxer@reddit
Yeah something like that, so shitty to give shares only to take them away if you leave too early after already having done 12 years there. Moved away from sales and upgrades trying to just do service and that became sales as well. They did a video of me once getting surprised by a camera crew over a compassionate phone call I had with a customer who was an abuse victim. They blindsided me which a stone-faced senior manager coming over to me and saying: ‘can you get off the phone after that call and come with me’. Led into a room and told to read the card on the chair. They then played the video at the AGM.. it was really emotional… apparently.. I don’t know.. I was not asked to go and never saw the footage, just had loads of managers coming up to me afterwards giving me praise.. think I got a bottle of wine and a good work card.
But yeah, much better place. Work for a water company and wish I had done it sooner. Lots of opportunity to do different kinds of jobs, quite chill. Can recommend.
AgileSloth9@reddit
Honestly, save any money you'd have spent on the NHS and go abroad for treatment, even if its just a day trip.
I get all my dentistry done in Poland (fiancee is from there so its a bit easier than day trips when I'm visiting), but so far I've had 2 extractions, a root canal and and im getting my 2 implants finished in May. It's cost me about... £4000 total. Thats nearly the cost of one implant in the UK.
Also going to get whitening done (about £200). If I want invisalign too, its about 1/3 of the price.
Highly recommend it. Not only has the work been exceptional, but also, the Polish dentist clinics are cleaner, friendlier, and seem to have more concern for patient comfort than any NHS dentist i previously used.
bellabanjsk@reddit (OP)
This is actually brilliant advice.
a_strawberrydream@reddit
I'd advise against it, unless you are in a position to go abroad regularly for dental work. Most UK dentists won't touch foreign work, so if you find yourself with any problems you will have to go back to the original dentist you visited abroad. Often works out cheaper just staying in the UK and finding a good dentist than having to fly out multiple times.
AgileSloth9@reddit
UK dentists have told me its no issue when its from an EU country, other than Turkey. This was when I called about dental insurance down the line, to cover the work i've had done without having to go abroad for any minor tweaks.
Staying in the UK would be absurdly more expensive. Ryanair will fly you, return, with a backpack for an overnight stay if required, to most EU countries for about £50 if timed right. That, plus the massive savings, makes it far better.
Plus, an NHS dentist is the reason i needed this work. They fucked up a filling (which they also didn't even add the white compound to, leaving it silvery grey instead), which then lead to 2 extractions and a root canal due to infection (despite going back twice to get their shit work repaired). The Polish dentists got it all done correctly first time.
NHS dentists, from what they explained, have no issue with other good quality work. They just won't work on turkey teeth.
Iamonreddit@reddit
The silver fillings are amalgam and a different material and therefore a different process to composite white fillings. It isn't a case of 'forgetting to add the white compound', but of using a different type of filling.
Amalgams are packed into a hole drilled into your teeth with a bit of a lip to better protect them from falling out.
Composites are chemically bonded to the tooth itself. This means that food can't really get under them like it can with amalgams, though you can still get some catching in the seams depending on how well the filling is done.
My understanding is that due to the mercury content of amalgam fillings they are actually banned across the EU. We still use them as they are cheaper and - according to the UK - actually perfectly safe.
Kopparberg643@reddit
Not exactly selling UK dentists over EU dentists lol
Iamonreddit@reddit
I wasn't trying to. NHS dentistry has been a mess for decades at this point.
Kopparberg643@reddit
Fair I may have misread the tone, apologies
AgileSloth9@reddit
Either way, they look shit.
a_strawberrydream@reddit
This is simply incorrect. I am a UK dentist and can tell you with confidence that if you present with issues from foreign dental work, it will be nearly impossible to find a dentist in the UK willing to treat you. When a dentist accepts your case, they essentially adopt the foreign dentist’s work and become liable for any further issues. The most we can realistically do is relieve pain.
It makes no difference whether the work was carried out in Turkey or Timbuktu, there are no exceptions for EU work whatsoever, and the idea that UK dentists make distinctions based on which country the work came from is simply not how any of this works. Liability doesn’t care about geography nor about a countries ‘perceived’ state of dental care.
Treatment is entirely at the dentist’s discretion, and ANY foreign work is a risk. If you have a dentist let alone an NHS dentist willing to take on your foreign work, you’re one of the very few lucky ones, they are taking on significant personal risk by doing so.
I’m glad you’ve found a dentist in Poland who does good work, but it’s worth acknowledging you’re in the fortunate position of being able to travel back regularly to see the original dentist who carried out your treatment.
AgileSloth9@reddit
All I can say is my own experience and the advisement of the NHS dentists i've spoken to, which was that they were fine with any regular dentistry, but wouldn't touch "turkey teeth".
GroupCurious5679@reddit
Have a look if there's any dental student facilities in your area, they usually offer treatment for free.
iTAMEi@reddit
UK is so cooked
neurobonkers@reddit
I moved to Poland a few years ago, great dental care. Getting some Invisalign retainers to realign my teeth now.
British dentists never even suggested it.
Always struck me how many adult Poles wear braces here, but they have great teeth as a result.
It was only after moving here I learned it's a running joke in Europe how bad the Brits teeth are!
Seafoxing@reddit
The cycle to work scheme is a con - my employer provides one. Unfortunately I’m also on minimum wage. I walk to work. 50min each way. Was excited to be able to get a decent bike. Until I applied and they said I can’t use the scheme as my wage would then be below the minimum wage threshold - yet again the people who need it most, miss out on I was so disappointed.
AirlineSevere7456@reddit
cycle to work schemes only ever helped people buy flash expensive bikes for half the price
miggleb@reddit
It's silly too
It doesn't actually put us below minimum, were still getting paid, just spending it before it hits our bank. That choice should be ours
HawkTenRose@reddit
No wonder the non emergency police line couldn’t find you a dentist, that’s not what police are for.
I’m really hoping you meant 111 (non emergency ambulance contact centre)?
Meas_uredreply@reddit
that cycle scheme thing is such a joke, like it’s “a benefit” but you can’t even use it if you’re already low paid, makes zero sense. and dentists… yeah unless you go private you’re basically stuck waiting forever or calling 20 places like an idiot
Why_you_so_wrong_@reddit
I don’t blame the dentists. Five years of university plus extra professional practice and NHS work pays buttons.
bellabanjsk@reddit (OP)
I live in fear of dental work. But ouch yes that’s ridiculous about the cycle to work scheme vs your salary!
fotfddtodairsizr@reddit
Do you live in London? If so I know an outstanding nhs dentist office you can contact
noodledoodledoo@reddit
Could I get the details of that dentist? I'm also in need of a new mouth unfortunately
fotfddtodairsizr@reddit
Yes I’ll dm you
miggleb@reddit
Appreciate it but quite far away unfortunately
Interesting_Fish309@reddit
My partner needs a new mouth constantly in pain. But can't access any help with his low wage. It's sad. I am off work due to finding my mum passed. Even i can't get in a dentist and its all meant be free for me. My mouth is bad.years of endometriosis and pain and grinding. It's horrible. Can any of us get appointments or help. No.
morriere@reddit
this one actually sucks - i would keep trying with the NHS dentists, spots can open up sometimes
i would maybe also consider credit card debt to go private for the dentist, as it's one of those things that you really can't get back once it's too far gone
beepbop24hha@reddit
Me and my partner have a combined income of around 35k and we manage ok if I’m honest but we’re very frugal though so maybe not the best example.
Meals out are for special occasions, takeaway maybe once a month, charity shops for clothes if needing new, we find cheap or free days out, use deals and discounts where we can. The only thing we haven’t got the money for is a holiday but we are saving for our wedding so that trumps a holiday. We will get a haircut when family visit (they’re hairdressers or i’ll find a trainee in the salon) and I don’t do fake nails, lashes or wear makeup so that seems to help. We dont often go on days out, our days off we meet with friends and play board games or play on the Xbox at home. I enjoy crafts and usually get loads of craft kits for xmas and birthdays to those keep me going.
The biggest expense outside of our usual bills is car maintenance which can be annoying and sets our savings back but overall we’re doing fine.
lupitagarlands@reddit
Do you rent?
beepbop24hha@reddit
Yeah we do
lupitagarlands@reddit
It is very inspiring that you save that amount while renting. I guess a very affordable rent?
beepbop24hha@reddit
I’d say it’s pretty affordable, we live up north for one but also our house is old and outdated so is cheaper than other houses on our street that have been renovated. We pay around £900 for our 3 bed house, I was paying more than that for my 2 bed flat down south lol.
lupitagarlands@reddit
Well that explains. We cant save with a combined 47K as we pay 1550 for rent in south.
bellabanjsk@reddit (OP)
I really think kids are the crunch point in all this, because childcare would eat up all of those savings in a heartbeat. Dayum.
beepbop24hha@reddit
Definitely, having kids is very expensive. My partner and I don’t want kids for a multitude of reasons but one of them is finances, not because they cost a lot but mainly because we want to spend money on things we want haha. If we had kids there is no way we would have an emergency fund and also a wedding fund, obviously after the wedding that money will go to holidays and other things we want to do.
bellabanjsk@reddit (OP)
Yeah for sure! I was actually in a really high earning job when I got preggo, and was the breadwinner. You always hear people say “oh well you shouldn’t have kids if you’re not set up for it financially” but we were! But life changes fast. Redundancy and funding my own mat leave ate up £25K of savings, and then cost of living has just gone nuts and I struggled to find work. People took one look at my career gap and put two and two together and then expected me to file for flexible hours I think!
ThrowRAkitty13@reddit
Doesn't help that my low pay constantly reminds me of failing school. If I had better support and the ability to go to uni and get a better job, then I wouldn't feel as bad as I do now. But I don't currently have the luxury of being able to take a break from work to try and study as I need my income to get by.
Low pay also sucks because I'm constantly relying on other people to have a place to live as I can't afford to rent or buy a place on my own.
louwyatt@reddit
I went to university for both an undergraduate degree and a masters degree. I work as a receptionist because I can get 54 hours a week sitting on my ass and keep living in a cheap place. I actually earn around 35K a year, which is significantly better than anyone else on my course is currently doing.
Degrees can be useful, but you can find high paying jobs without them. Have you thought of doing a college course in painting or brick laying? You get higher pay than most recent uni graduates.
ThrowRAkitty13@reddit
Can I ask what course you did?
I don't even have A-Levels so tried to an apprenticeship as an alternative but it hasn't helped much. I ended up working in a financial services company and the apprenticeship was said to have good progression, but that was a big lie for the department I was placed in and I can't find a role elsewhere in a similar company despite experience because I don't have a degree from a top uni 🙃
louwyatt@reddit
My undergraduate degree was in geology and physical geography, and my masters degree was in field geoscience. My university was definitely not a top university, but in most fields, they only care if you've been to 2 or 3 top universities for the field (Russell group only matters to 6 form students, not in real life).
Degrees will act as a barrier in some fields. Some fields you can work around it, others its a hard barrier. Even then, it can be who you know, rather than what you know.
If you are set on university, what is stopping you? You get the funding needed to live while you're studying.
ThrowRAkitty13@reddit
I don't meet the entry requirements to get into university unfortunately, and even if I did manage to go, I wouldn't be able to get much maintenance loan due to my partners income and we can't really afford for me not to be bringing in what I am now even if it's not much.
Really, I would prefer to do a degree apprenticeship, but again I don't meet the entry requirements due to no a-levels and I'm not really smart enough to get into a top uni or a good course anyway.
louwyatt@reddit
I got 3 E's at A-level. Universities will except people no matter their grade if they need to fill seats.
Have you worked out how much you'd get in maintenance, as its surely got to be at least something. Especially as you can usually work a part-time job while doing a degree.
ThrowRAkitty13@reddit
I checked and it would be the minimum for maintenance.
I don't even have the equivalent of 3 A-Levels, and if I did want to go I would want it to be at a decent uni and I think they would be stricter on grades.
louwyatt@reddit
Top universities aren't stricter on grades, they just offer far less support. You can probably find a place if you go through clearance or just show your ability.
ThrowRAkitty13@reddit
OK, I will have a look. Still will need to figure out finances, and I am worried if I leave the job I have now it will be a struggle to find another one after I have a degree as a lot of people are finding it hard to get a job.
mr-ajax-helios@reddit
Unfortunately there's plenty of people who were told their degrees would be profitable who are struggling. I have a stem degree, my partner a law degree. Between us we just about hit £37k as a household, in a good year (e.g. no major health setbacks meaning less income, no job loss). She has health issues which make full time difficult, but even with her on three days a week, and myself full time, we can struggle some months.
ThrowRAkitty13@reddit
Yeah, I know it doesn't guarantee anything but a lot of jobs still ask for someone with a degree even if doesn't have relevance to the role. Having one is a basic requirement for most entry level roles, having one opens up more opportunities and makes you look more employable on paper.
bellabanjsk@reddit (OP)
If it makes you feel better, I excelled academically and also went to university, but just had a few life events that also hurt financially and here we are!
AddictedToDaylight@reddit
I second this! Did everything right and got A*s and a good degree and I’m still on minimum wage, as are most of my friends!
ThrowRAkitty13@reddit
Thank you, that does make me feel better ❤️
Honest_Country_525@reddit
On £43000. Literally no way I can ever move out from my parents on this salary without becoming a slave. I refuse to be a slave and when your income = survival expenses, that’s all you are.
APiousCultist@reddit
At that point you're just refusing to move out because of plain stubbornness. You're on more than the median, practically twice minimum wage. Most people could live comfortably on your income if they aren't supporting a family.
Yes, that is broadly the point of a job.
Honest_Country_525@reddit
Why would I move out if I can never have my own family? All I would be doing is completely isolating myself and buying chores, responsibilities and maintenance costs. Which would consume my entire salary meaning that I’d be locking myself into that slavery contract for decades until the normal pension age.
Also £43k is not even 50% more than minimum wage, after tax.
krisminime@reddit
You would move out because at some point your parents deserve to have their own space. You are forcing them to supplement your life because you want to have more disposable income.
Honest_Country_525@reddit
I didn’t ask to be born. They should have thought about that before creating a wageslave.
krisminime@reddit
That's a rough outlook dude. Hopefully you find your way and find the joy and benefit of standing on your own two feet.
Deep_Banana_6521@reddit
pre-covid I was on about £40k a year and due to this and that I'm on just under £30k now and I really do feel the squeeze. My partner has always been on minimum wage and doing 37hrs a week so he always says it's easy so long as you budget, but certain things like Christmas took a while to save for and recover from. New shoes are now a financial decision and I ran out of money the other month after a dental injury that had me forking out for multiple sessions.
I get a bit depressed because I was saving for a car years ago, but those savings are spent and I don't see a way I can save it back up again without a windfall.
Problem is I live very close to a city centre so the cost of everything, including rent is very high.
Most days dinner is pack of aldi chicken legs for 2 of us £2.20 a kilo, some potatoes and a sauce, only drink cheap wine, our date day once a week is 4 pints at spoons and we get a takeout once every other month and I end up cooking half of it. IE we buy a sauce and a starter from the chinese and I do the rice and any extra veg we want at home.
Rewind time 14 years ago I was earning £350 a week, paying £125 a month rent including all bills and tax, I could buy anything and saved nothing. Kicking myself.
Careless_Soup_109@reddit
As we moved away from takeaways, we briefly ended up cooking half of them anyway. Then we realised it's not that much more difficult just to cook the whole darn thing.
Deep_Banana_6521@reddit
Yeah, It's like you can order peri peri chicken wings at £4.50 for 5, or get 1kg of wings for £2 and 50p pack of peri peri seasoning and have 20-25 wings cooked under your grill.
Throwawayfilmhelp@reddit
The fuck is this thread? I’m on 25k and live better. If I was on 30-40k like most people here I’d feel like a king
bellabanjsk@reddit (OP)
Are you renting a room though, with no obligations like a family?
Asher-D@reddit
I have a family of 4 and am living well on £33k.
bellabanjsk@reddit (OP)
Do you by any chance live in the north
Aggravating_Cloud657@reddit
I love in the south with a 3 bed house (mortgage) and earn under £30k. My partner is just over £30k. We're doing good.
bellabanjsk@reddit (OP)
No kids eh? So glad you are having a great time.
Aggravating_Cloud657@reddit
Absolutely no kids. I don't know how people do it
MarkusSparkus223@reddit
Yep, I'm on 40k and have money coming out of my ears because I don't have about 100 subscriptions and have my car, bed, fridge, dishwasher, TV, phone on tick.
Car fully paid off, £7 sim-only phone - life is good.
DeifniteProfessional@reddit
Same, but only because I live with parents. The MOMENT I move to my own place, 50% of my income is immediately reserved for rent and council tax
shenaniganrogue@reddit
This would be me… Except after pouring savings into buying our house, we immediately needed a new bathroom and kitchen we hadn’t budgeted for. In hindsight, we were probably a bit naive, haha. It’s all on 0% after balance transfers, and being cleared at a rate to pay off before the offer’s up. We’re doing really well compared to many with a decent enough wedge of disposable income and money for everything we need and most things we want, but if a not-insignificant proportion of our monthly earnings wasn’t paying that down, we’d be absolutely fucking minted.
Aggravating_Cloud657@reddit
It doesn't really. I earn under £30k but it doesn't cause me any issues. I'm probably just not a big spender, in general.
bellabanjsk@reddit (OP)
What is your life and living situation?
Known-Swim-3654@reddit
If we weren’t all so apathetic, proletariat revolution really would be the way forward
Zaxa7@reddit
Agreed. However, short of a revolution, we could elect politicians who aim to power costs and improve infrastructure through a wealth tax for example, but we won't even do that. Go figure.
DeifniteProfessional@reddit
Even if we could get everyone to agree on a revolution, there's about 8 different ideologies for it, with some being "kick out the blacks" and some being "no laws, everything is free"
Admirable-Wedding-35@reddit
I know there’s a childish naivety here but I really still cannot fathom than 96-99% of the world are treated like utter shit for the benefit of the 1%. Like why and how do those numbers make any sense? I just DON’T GET IT.
reditsux77655@reddit
You're not wrong, just wanted to add, that apathy comes from somewhere. Over the course of generations society has been twisted and turned into a life where we all live in our own boxes, watching our boxes and staring at different boxes while we get around with headphones and so that every person we see and encounter is not a fellow neighbor or villager, but a stranger.
And that's me over simplifying it. I mean we all have to toil most of our days away just so that we can only afford subscriptions, etc.
ChanceBranch1146@reddit
The Peasants revolt wasn't actual led/started by the peasants!
bellabanjsk@reddit (OP)
Off to Google this now
Bubbly_North_2180@reddit
I took a salary cut and man I feel it 😅 as a couple we are well off because of my partner but I’d never ask him to fund my life choices.
I liked to get my nails done to feel put together but that’s out of the question now. I can’t be trusted to dye my own grey hairs so I stretch out booking appointments until I can’t stand the badger look anymore. I can’t remember the last time I purchased new clothes that weren’t second hand.
I feel you on the health care front - I can’t afford to be off work but when I got injured a while ago, the NHS physio was months away. I was faced with sick pay or forking out for private physio. On a cost benefit thing, I decided I’d be better off paying for the physio and not being utterly wrecked months down the line. That’s on a credit card. Loveeeee being skint.
For the record, my other half offers a lot to pay for stuff but he covers a lot of the bills and rent so I refuse to accept help unless I absolutely need it 😅
Lion-Resident@reddit
Can't afford a house in a nice area. Living alongside trampy people, criminals and lowlifes is decreasing my quality of life as my parents are rich and so I grew up comfortable, now I have to fend for myself with no help from parents and it is a culture shock.
shenaniganrogue@reddit
Myself and my wife are in the extremely fortunate position of both having moved jobs for better salary within the last 18 months. In just over a year, our combined income went from £55k to just over £70k. So we’re not talking stupid money, but comfortable enough with just the two of us since we don’t have expensive tastes.
We’re both also now fully WFH, which saves me some pocket money, but saves my wife nearly £1k a year.
It’s absolutely mitigated the worst of the pinch, but increased cost of living has definitely left us feeling like we’re not getting ahead like we’d hoped to. We have some debt that we’re hopeful of clearing within a few years, which will improve our disposable income massively.
notemark@reddit
I only recently (within the last 5 years) had my salary increased above the UK median and it was one of the decisions that swayed me into having one child, I know two would be unaffordable.
Generally while we can afford national holidays, things like a gym membership we tend not to as we find it difficult to justify it, we're saving for a house deposit and I've tried to eliminate any lines of credit I used to use and keep any contracts I have to 12 months, or less.
My aim was to be able my standard of living to my wage in case anything happens but then while my wage is high have a large amount to spend on high value things like a holiday, new computer or in this case a house deposit,
This-Draft797@reddit
33k and clothes are an issue - been buying from charity shops and jumble sales but it’s a real struggle tbh. Weekend away of holidays havnt been a thing for 4 years now. Havnt brought my own takeaway in 2 years. I get my hair cut by a friend but would love an actual haircut with a hew style. I had to buy shoes this month cos I got holes in my old ones and had to say no to two social events so I could afford the shoes. I know I could have more money if I house shared but I’m 33 and I honestly had a breakdown the last time j had to do that
MintBerryFondue@reddit
I earn about £20,000 to £22,000 a year in a minimum wage job in London, where my income depends heavily on the number of hours I’m given on my monthly rota. During slow seasons, my hours can be axed to as little as 20 hours per week. Although there’s often some relief when colleagues call in sick and extra shifts become available, but just mean I have to pull a double shift (from 5am to 8pm), blowing out my knees in the process (I'm not allowed to sit at work).
Honestly, it’s been difficult, especially while flatsharing (I used to be able to afford renting a place of my own when I was a student - no council tax). I’ve been forced to move out multiple times and nearly left homeless twice, either because the landlord had found a tenant that is willing to pay more, or because the lead tenant of the flatshare had decided to end the housing arrangement due to a career change or a started a committed relationship with the missus. My financial situation was a lot better before Covid. Covid hecked me over and I was unemployed for a year, and so was my dad. Things haven't been the same since then, my dad had given up entirely (finding a job). He spends his time in spoons and refuses to try, because he has a massive ego thinking applying to a lower level position means he's losing out. So I have to become the sole breadwinner of the family. I wish I could knock some sense to his head but it's pointless. My mum had tried, his friends/former coworkers had tried, my relatives had tried. My dad won't budge and is under the impression that his previous companies he had worked for would call him back one day to offer him back his previous role as CEO or Executive manager.
Flaky-String2056@reddit
I think it just the insidious fact that every single decision gets filtered through 'money' before I make it. Whether I do anything gets put through a quick affordability test before I make a decision. It's been a habit for as long as I can remember and adds a level of stress to pretty much every decision in life. I'm not fussed for being absolutely mentally wealthy, but it would be nice to get rid of the filter.
Heiditha@reddit
I'm 42. I've spent pretty much all my working life on shit money (minimum wage, part-time, retail, even some freelancing), so I've basically had to keep my expectations very low. Fortunately, my outgoings aren't too bad, but we are noticing the pinch when it comes to things like food shopping.
A lot of people talk about how £30,000 is not a lot of money these days, but that would honestly be a life changing salary for me.
kittykat7931@reddit
Single person, £50k a year, mortgage cost £608 a month for a three bedroom house, have a number of animals so no holidays, only treat is getting my hair done every two months, back is ruined, not seen a dentist since before Covid. Currently have £150 to last me 2 weeks with which I will need to put fuel in my car (£60) and buy food for the animals (£30). Just grateful I have stuff in the freezer that I can turn into meals and will only need to buy milk to keep me going….
That_Perception_3763@reddit
Same boat here. We can afford to survive. We can’t afford to live. It’s bullshit.
Long_Creme2996@reddit
On 30K full time, live in Brighton so everything is so lovely but cannot afford to do most of the things tourists come here to do.
I bleach my own roots, barely buy new clothes - usually charity shop finds. Cut down loads on takeaway now i work 9-5.
Dr_Frankenstone@reddit
I can’t see how anyone on 30k could actually live in Brighton. Are you in a relationship or are you having to bear all the costs of living on your own? I can see how it would be depressing to have any little luxuries just out of reach…I’m sorry, man. I feel for you.
Long_Creme2996@reddit
It’s alright, I pay more to live here and the beach and parks are free. Lots of gigs on all the time etc so never bored.
Dr_Frankenstone@reddit
My feeling is that the sacrifices you are making right now to live in Brighton are okay, but in five years time will the free gigs and beach and charity shop clothes still be enough for you?
Please note, I have been in the same position you have been in, when I was younger. I have had periods of intermittent poverty, sofa surfing and insecure employment. I even lived in Brighton for four years, but found that the wages in London-by-sea never kept up with the expenses. It was okay for a time, but I sensed that your initial post was written with a tiny bit of desperation for your lack of any luxury.
I wasn’t pitying you. I guess I was just saying that I ‘get’ it, and reminiscing about my own time and struggles. If you have a plan and this isn’t how it’s always going to be, then enjoy this time by the beach. Brighton can be a magical and dynamic place, especially outside of tourist season, and beyond the piers.
Long_Creme2996@reddit
The gigs aren’t free, they are paid ones for bands I love and get to see frequently.
Only just started out in my career so hoping to make more money - I also don’t plan on staying here forever but yeah - living in Brighton is more important to me right now than living a little town in a cul de sac.
Long_Creme2996@reddit
I live with my best friend, we sacrifice having a living room to make it work. £1200 a month, £600 each.
CommercialAsparagus@reddit
How significant is the difference between ~30k and 35k? We want to go to Brighton area also, wife wont be working much but we have no kids and want a calm life (read: not extravagant).
bellabanjsk@reddit (OP)
It’s the housing costs that are crucifying in Brighton
Darkwaxer@reddit
Went to Brighton a couple of years ago, that place seems so chill. It was a warm day so me and my dog sheltered under a tree and I heard half a dozen different groups of people debating what time they should start that evenings beach bbq. I’m from the north east, sometimes my fridge is warmer than my front room, so that felt alien to me.
Long_Creme2996@reddit
Nah Im alright. As you say it’s a different way of life - I have a very small flat with my best friend but I think it’s worth it. It’s beautiful on my street and I’d rather live here than anywhere else in the uk.
Long_Creme2996@reddit
I will say I am 25 and wouldn’t do this forever. But it’s good for now, in the action! Hopefully my wage rises too, it has potential but up until now i was on minimum wage.
Darkwaxer@reddit
Same here. I’m miles older than you and I’ve lived most of my life on minimum wage.. wasted really. You have lots of potential and time though so I wouldn’t worry too much unless you are struggling.
mp3boy@reddit
sorry, what?
Darkwaxer@reddit
Sorry, shoulders.
https://youtu.be/Alryavu9D5k?si=ZVNUGsHAcp_B40T8 ?t=7m7s
mp3boy@reddit
lol fair enough
Friendly_Win_4523@reddit
Very similar boat, we do okay but living paycheck to paycheck and can’t save anything so will never be able to buy a house/get married/have kids (we’re in our early 30s). I took a new job in Dec with a small pay rise but then the tube went up (I commute to London) so back to exactly my old take home. Luckily it’s a less pressured job or I’d be more annoyed!
philsrice@reddit
Would love to get an insight into everyone’s budgets. My partner and I both work FT min wage but live within our means. We rent a modest 1 bed, drive a secondhand car, and don’t go out super frequently. We receive a minimum UC each month, and tbh I would say that we live pretty comfortably.
The biggest cost is the day and a half childcare for my baby but that gets halved as I get staff discount and claim it back on UC. We can’t afford to go on holiday as I hoped this year, but we eat good food and can afford day outings, gym membership, subscriptions to Disney+. For how low our income is I’d say we’re doing okay!
Responsible_Art_5002@reddit
Im full time on minimum wage, living with parents, and even i have no money left at end of each month, I never go out, don't drink smoke etc, I simply live to work and have nothing to show for it, as every penny goes to bills (rent, phone, car, tax etc)
CraftBeerFomo@reddit
Your parents must be charging you some serious amount for rent and bills if all your wages are gone when you're living at home and never go out, drink, smoke etc.
Responsible_Art_5002@reddit
I pay for alot of stuff at home, its just my mum so I pay for lots of stuff for myself, effectively living on my own plus buying stuff for others. Its depressing working everyday and having zero money to enjoy but it is what it is.
philsrice@reddit
How much are you buying for others? It may be worth seeing if you’re overspending on areas that you can cut down easily (meal planning food, cheaper car, more affordable phone).
3speechnotallowed@reddit
Must be paying a lot of rent then.
Known-Swim-3654@reddit
How much rent do you pay your parents?
MaleficentAnalysis27@reddit
House renovations mainly. I live in an old cottage with 50+ year old kitchen and bathroom.
liebackandthinkofeng@reddit
I’m currently on maternity leave and really starting to worry about costs increasing again. My husband’s salary covers our mortgage and bills. My salary normally covers childcare, food, petrol and savings (though we will be saving nothing when I’m on SMP only). With costs increasing and my pay decreasing, I’m desperately trying to find ways to cut costs. Makes me pretty sad/angry as my husband and I are both introverts - we prefer being at home so only really go out for family days out. We don’t eat out/have takeaways and neither of us at big spenders by any means. Even those rare family days out are now starting to look more and more difficult to attain.
sheriyamonee@reddit
I get paid 1899 monthly and live in portsmouth. The end.
slippeedooda@reddit
I have a tooth that needs to be extracted and replaced as its causing me serious pain, but I don't have the time and money to get it replaced right now. So I'm just living in pain and a constant swollen face and inability to chew properly. Yes I COULD get it removed now but then I would have 3 teeth missing in a row and I just can't mentally deal with that right now.
Jazzlike_Bullfrog674@reddit
How much is the extraction?
Five_Hours_Early@reddit
Constant panic in case of unexpected bills which could wipe your entire months take home pay before essentials are paid for.
Problems getting anywhere to rent as some places go on a salary multipler instead of actual affordability.
Sensitive-Vast-4979@reddit
Well we live off of working class wages , 3 people off about 54k a year , used to be much lower but one changed jobs and wage increase by 10k . That 10k jump went from comfortable and went on holiday every other year in the uk , too easily able to save a few grand in a year
R_Eyron@reddit
I thankfully have some savings so I don't feel immediate fear, but I've been on less than minimum wage for a few years and am now unemployed, so my life basically consists of doing all the calculations in my head every time I want to spend something, just in case. My shoes have large cracks on the base so whenever it rains my feet are just wet all day and I'm trying to pluck up the courage to buy some new ones.
Nandor1262@reddit
A pack of mince beef from the supermarket is currently £7-£8 - a Chili or Bolognese used to be my go to bulk cook cheap meal each week. Now it feels like a luxury I’m having to pack it out with wayyy more veg to make sure it lasts me much longer
No-Seaworthiness5666@reddit
My hairdresser texted and said she was having electrician out on the day of my appointment, could I come the next day? I said, how about next month?? Felt like I saved money, but I look like Captain Caveman.
tinyarmyoverlord@reddit
I had so many compliments when I got my hair cut short, am lady; have bob. Some people say yeah you look so nice with short hair.
Annual hair cut. ✨ how people afford it every couple months is beyond me! I look forward to the compliments next Feb and can only assume I look like a gremlin the rest of the year.
Sensitive-Amount-465@reddit
I normally have an Alice Cullen style haircut, but I haven’t been able to afford a haircut in so long now, my hair is now past my shoulders and I’ve had to start plaiting it because its very thick and matts way too easily. My hairdressers is £60 each time normally because of the amount of thinning they have to do, and it’s recently just gone up to £75.
RadicalDog@reddit
Definitely learn to cut your own hair. It's pretty achievable for most people with a standard hair style.
SWLondonLady@reddit
I’m just watching a lot of videos on how to cut your own hair and hoping I have the confidence to do it soon.
Particular-Bid-1640@reddit
I was at my parents, mentioned it was hot and they stated that they'd 'turned it down to 18C'.
I told them my heating doesn't even go up to 18C
17.5C is the max we can afford that keeps the black mould at bay (with airing too)
It's weird being in one of the richest countries and being unable to afford to heat to a reasonable temp.
Sensitive-Amount-465@reddit
For a very long time we just just keep our main heaters on frost protection which is 7 degrees so the pipes didn’t freeze, and a dehumidifier running. the rest is just hot water bottles and electric blankets. But then I started working from home full time, and also got sick from the cold, so we had to get a portable heater to use in one room at a time, which still surprisingly ends up cheaper than having the main heaters on.
Particular-Bid-1640@reddit
Yeah I work from home and have a little oil filled radiator to 'top up' my office heat, it's really nice and cosy
ding-dongo@reddit
We're one of the richest CITIES - with the rest of the UK attached to it. It's a sad reality. And the majority of Londoners are slowly being priced out.
aje0200@reddit
It does feel like London is a global city in a way that it isn’t British as such but a playground for the rich to choose from alongside New York, Paris, Dubai and the like.
These cities don’t seem inherently part of their countries but part of a global collection of rich playgrounds more connected to each other than their host country.
TurkishSte@reddit
When you live up north and priced out where do you go? 😂😂
bellabanjsk@reddit (OP)
A mountain hut
HappySmileMillion@reddit
Can confirm: Priced out Londoner over here
Meas_uredreply@reddit
17.5 just to keep mould away is wild, that’s not even comfort that’s survival mode. people think “just turn heating on” but don’t realize that’s like choosing between warmth and food now for a lot of people
JayR_97@reddit
Yeah, my heating costs £110 per month and I already think thats way too high. I only have a 1 bedroom flat, I dread what it would be with a 3 bedroom house.
SeamasterCitizen@reddit
18 is air conditioning, not heating. 26 all winter and I’d prefer if my rads went up to 30
Responsible_Art_5002@reddit
Our house is RARELY above 18, 19. Even in summer, its never went above 25. Right now it is 16c inside, and will drop to about 15.5c through the night. We hage also just had insulation redone as had a heat pump installed (useless btw)
SeamasterCitizen@reddit
With heat pumps (air to air at least) you need an indoor unit in each room or at least each zone + however may outdoor units are required to drive them.
It’s useless if it’s under specced.
Responsible_Art_5002@reddit
When our pump was installed, it turns out they installed one way way over spec, as in its made for a house with 4× the space. Its costing way more than the original heating oil system we had beforehand due to the power required to run this gargantuan heat pump. Its a pisstake.
morriere@reddit
i know exactly how shit it is, as heat pumps in underinsulated properties are literally the worst idea ever if you're aiming for low bills.
but also, silver lining, it's probably no longer costing that much more than the oil, considering the current world events and the price of oil right now. while it doesn't help immediately, if you're able to get insulation to trap the heat in, it's likely that you've made the right choice for the future.
SeamasterCitizen@reddit
Oh air to water? Yeah that always felt like a scam.
OutdoorApplause@reddit
With minimal heating on (just frost protect) for two weeks over Christmas our house fell to around 10°c (we were away - I wouldn't let it get that cold if we were there!). It rarely gets above 20 even when we have those horrid heatwaves which is actually quite pleasant.
exposuure@reddit
Where do you live in the UK? How big is your house? 26 isn’t normal.
SeamasterCitizen@reddit
London, new build flat. Without heating in winter it’s about 18c. I like to be warm.
exposuure@reddit
Says plenty.
SeamasterCitizen@reddit
Pre covid, help to buy was a good time to purchase
Apsalar28@reddit
Are you in a new build?
Even with external solid wall and full loft insulation my little Victoria terrace is about 14 without heating in the winter. My central heating thermostat never goes over 20.
26 would be uncomfortably warm and it very rarely gets that hot inside even during the summer
SeamasterCitizen@reddit
New build flat yes
Drath101@reddit
Non-existent insulation, draughty doors, single glazed windows no longer correctly sealed etc. Rent so can't do shit about it really
SeamasterCitizen@reddit
Rent? Move
Drath101@reddit
That's the plan, now we've got both comfortable office jobs. When we both had retail jobs the other options in our price range were all functionally the same. This was the nicest property by far
korg64@reddit
It actually works out cheaper to keep the heating on constantly at a mid range. Moisture in the walls conduct heat. Therefore a warm dry house will stay warm and be cheaper to warm. It's weird logic but it works.
360Saturn@reddit
I have to budget hard and watch my spending and consider cutting things.
Galling when I earn 1.5 what I did pre covid and at that point I didn't have to be careful. My overheads have roughly tripled in that time.
anabsentfriend@reddit
I even 29k, and I honestly don't feel that poor. I used to earn a lot more and ended up spending money on stuff and food (snacks, takeaways, ready meals) to cope with the stress. I don't have gym membership but I have a bike and I go for long walks and I go on a big holiday every few years in between I have weekends away in the UK usually visiting friends/family. I don't have any tv subscriptions because there's more free stuff available than I have time to watch.
InsaneInTheRAMdrain@reddit
Im on similar to you. When i was in a relationship bringing in 2 wages, life was crazy easy.
Now, on my own, sure, i can pay for everything "essential," but i have little left for anything else.
I meal prep most weeks, usually batch cooking 2 meals, some combination of chicken, rice, beef, etc.
I got my gym membership, tho. Is it like £20 a month? What do you mean you can't spare that?
A holiday would be nice, but im not going to lose out on pay or get into debt over it, so i just dont bother.
So, to answer your question, i guess... im just more bored.
bellabanjsk@reddit (OP)
I’m not in a city and my nearest gym is not only a drive away (expensive) but also £40pm for their off peak plan. I also don’t have free time because I work full time hours and have a young kid, and use the dregs of my free time doing chores. If I could afford a cleaner I’d save hours of time that I could ‘spend’ on myself.
InsaneInTheRAMdrain@reddit
Deep breath now. I was only messing with you, im not going to collar you and drag you there.
I am without a child, so i will use my extra 100 a week from that to go to the gym for you, if that helps.
bellabanjsk@reddit (OP)
Haha wow I’ve not had the opportunity to use this insult but I will now: you sir, are a douche canoe.
InsaneInTheRAMdrain@reddit
It comes from a place of love, i promise.
On another note, thought about opening a child care business?
Sensitive-Amount-465@reddit
I am -£270 constantly. Everytime I get paid it goes back up, but then the bills go out and I’m back in minus again. I’m trying to sell some belongings but it’s making me sad because I love my belongings.
off_of_is_incorrect@reddit
Probably a good thing unless you want to damage your back even more? lol.
bellabanjsk@reddit (OP)
Are chiropractors famously bad for backs? I thought they helped fix them…
fromwithin@reddit
A chiropractor is to an Osteopath what a nutritionist is to a Dietician.
Neither chiropractors nor nutritionists are licensed medical professionals. Osteopath and Dietician are
The NHS website says about chiropractic: "It's considered a type of complementary and alternative medicine (CAM), which means it's not a conventional medical treatment.".
If you have back problems, see an Osteopath.
cateml@reddit
I don’t think osteopaths in the UK are licensed medical professionals either…
fromwithin@reddit
Wow. You're right. My world view has been shattered. Physiotherapist only it is then.
Clean_King_1329@reddit
30k, I have just brought a house so I know I shouldn’t complain but there’s a growing list of things.
Need something to cut the grass, really need my teeth cleaned, have pain in my calf and my feet go numb when I run so need physio, need a new retainer, my bite is fucked and my jaw hurts so I need Invisalign to fix it, the oven in broken
Trying to save money but also trying to actually live and enjoy myself and go to social events after being very antisocial and turning down every event the last few years. Wanted to have a couple of months mortgage payment in savings for emergency but that’s not happening soon
Hopefully changing jobs soon to 38k (fingers and numb toes crossed) … but after student finance and tax it won’t be much of a pay rise
Novel_Passenger7013@reddit
We’re considering moving back to the US, which I never thought we would. Husband is English and his whole family is here.
When we moved, we knew we’d be sacrificing some creature comforts, but it felt worth it to get the kids a better life. Instead, we’re nearly in the red at the end of every month, living in a cramped terrace with no money for the vacations to Europe we thought would be so much more affordable when living in England. When we first moved, we used to have day trips on the weekends and family meals out twice a month, but I can't remember the last time we all sat down at a restaurant together and most weekends are spent puttering around the house.
If we went back, even accounting for the exchange rate, we would fully double our income. We could buy a house with twice the floor space of our current house for nearly the same price and we would have great health insurance through my husband. And people like to say the cost of living is so much more, but in our experience, you still end up with far more disposable income at the end of the day.
We’re not pulling the plug yet, but the fact we’re even considering it is dire.
MarkusSparkus223@reddit
On 40k so just a touch above.
I live alone and like a king because I don't have 100 subscriptions and have my car, bed, fridge, dishwasher, TV, phone on tick.
Mortgage is £900 a month, car fully paid off, £7 sim-only phone.
eat-real-chips@reddit
I’m on £12k a year so 30k id be living like a millionaire lol
mel0dyssey@reddit
I can just about afford my weed habit... and nothing else
whocanbearsed@reddit
My weed habit goes hand in hand with a Squashies habit and that's what's causing the financial issues.
TurkishSte@reddit
Seemed to have found the stoner section….when will we be arsed for a revolution 😂😂
mel0dyssey@reddit
Hmm maybe tomorrow? I've just smoked 🤣
RUJOKING2020@reddit
Dry herb vape if you don't already have one. Absolute game changer in terms of how much you'll save.
genxerrr@reddit
How much does it cost you a month. I used to toke decades ago but I'm now thinking about getting medical cannabis to help me sleep. I'm guessing that would cost me up to £200 per month.
chiimachar@reddit
I changed to a bong when I realised how much longer I could make it last😂
mel0dyssey@reddit
Surely it's the other way around?? Tell me the secret!
TieDyePandas@reddit
same boat here, that's my only little luxury these days
TerpzArmy@reddit
You don’t need anything else
mel0dyssey@reddit
True. Some chocolate would be nice though haha
spriteinabluecroc@reddit
I have a friend I lovingly call my weed saviour as I can just about afford it too, so he shares a little here and there with me.
meadowender@reddit
As an adult. I've never had a holiday, last time I even drove to the seaside was over 2 years ago, no social life, used to enjoy going to football, not been since 2007, not seen a dentist in over 20 years. Visit the barber about once a year on average. All my clothes and shoes are Matalan. I've just had my eyes tested for the first time in 5 years and bought new glasses. No takeaways, never had McDonalds, Subway, Burger King, KFC. I haven't had fish and chips for years,15 maybe. No Amazon account, no Netflix etc. My 1 luxury is Now TV so I get TNT and Sky sports. I've managed to save a few thousand but need that for my next car. My current car is 14 years old and done nearly 150000 miles.
Lewxs@reddit
I’m on 33k and still live with my parents charging me little rent. I save but the thought of moving out looking at the prices of everything is scary.
Okhlahoma_Beat-Down@reddit
I made the wise choice of trying to keep about £3,000 as a safety net, just in case.
Recently moved to a small house that needs £10,000 of window replacement work done, so now all my extra savings besides that £3,000 is gonna go on trying to sort out these windows.
That said, my job is tied to driving, and fuel is going insane at the minute. If I get laid off for cost-saving reasons, I have probably about 2 months to find a new job.
If that fails, I get to sell the house I only just managed to get hold of, lose most of the money to the mortgage, and then inevitably things will somehow get worse from there - as they consistently seem to be doing for everyone, lately.
Joy.
Asher-D@reddit
£30k is considered a low salary? With how low cost of living is here, £30k is actually pretty nice. I make about £33k and I don't understand why you can't afford any of those things mentioned.
Lost-Activity6231@reddit
Just constantly in debt and keeping the wolf from the door month to month. Don’t think about the future as don’t have the means to save etc. just keep being a good little taxpayer and hope nothing too major happens on their way.
rockdecasba@reddit
35K. Lucky to enough to be able to afford to buy a flat in need of work. Unable to afford the work. Can't do it myself because if I fuck it up I can't afford to fix it
stowgood@reddit
Actively not doing some things because the cost of fuel is too much.
sleepingellis@reddit
Husband retired and gets gov pension only and I bring home less than a £1000 a month. Have to raid savings account every month now just to get by. Just about to raid my pension for money to go on holiday at the end of this month. Haven't been this skint since the kids were young.
Omg_stop@reddit
Raiding pensions to go on holiday sounds like bad advice.
sleepingellis@reddit
Maybe so but we really need this holiday.
SWLondonLady@reddit
Single, living alone. Now contemplating having to go get a boyfriend to make it easier by sharing some bills. Desperate times.
SeamasterCitizen@reddit
Maybe I sound boomer ish, but 40k median makes us very well off as a country. Minimum wage is 25k ffs. Where’s it all going?
Vivid-Access7555@reddit
Nusery fees, mortgage and council tax takes about 3/4 of my wage alone and I'm the main earner..never mind the fruit and veggies for the kids. Plus I have 2 older dogs.
SeamasterCitizen@reddit
Ahh there’s the inefficiencies 😂
Apsalar28@reddit
It's very very region dependent. You can have a very nice life as a couple on 50k in Hull but be just about scraping by on the same salary in London.
peedsbimmiong@reddit
well our mortgage is £1480 per month on a 300k house which is way below the average in the area we live.
SeamasterCitizen@reddit
Mortgage rates are wild right now. I live on the edge of London and was mad when mine went up to 700 quid from 500.
leclercwitch@reddit
Just above minimum wage. I live with my other half who earns just above what I earn, and we get by. We do have to pick and choose what we do, I run out of money quicker than he does but that means we can go out and eat good food. I home cook a lot but we do love going out to eat. We don’t have kids or a car so it’s just money for bills and us. We’re going to forgo a holiday this year to get our flat decorated how we want it because it’s bland and boring and we want to make it home. We can’t do both. That’s okay though.
Meas_uredreply@reddit
yeah same vibe here, it’s not the big bills that kill you, it’s the “extra life stuff” just gone. like one random expense and boom, month ruined. i’m on similar money and anything health related feels like a luxury now which is insane. honestly NHS wait times just push people to either suffer or go broke, there’s no middle ground anymore
bellabanjsk@reddit (OP)
Yeah absolutely, it sort of chips away at your morale doesn’t it.
Ok_Hand813@reddit
Life what life ? This is survival if something not a life . Suffering lever hard .
CHLO333x@reddit
I’m on 33k and have been a single home owner in the South East since 2019. I’m stuck in a job that I HATE because I can’t afford to reduce my wage or increase my commute. I drive a beaten up VW that I have had for over 6 years. I buy all of my clothes from charity shops or vinted, and I may treat myself once or twice a year to new ones. I refuse to pay for a tv licence but am fortunate enough to have Netflix and Prime. I am lucky to be able to save about £250 a month, but as soon as car tax, car and home insurance comes around, that disappears pretty quick. I haven’t been on holiday in 5 years and I don’t go out to eat or get takeaways. I turned 30 late last year and I feel as though my 20’s have just slipped away from me. I thought I was doing the right thing by buying a house at 23 after working two jobs and snapping up all of the overtime, but now I feel like I should have maybe lived in a house share to enjoy myself more.
AbbreviationsOk6561@reddit
Just a very small thing I discovered lately.
Keeping my money in Wise gives me 3.2% interest and you get an additional 2.2% of anything over £54 if you keep it in there for the entire month. The money is also instantly usable, not locked up.
It is small but its something
bellabanjsk@reddit (OP)
Yeah and Monzo ‘pots’ are great for the same reason! I also recommend:
I also grow seedling veg from seed saving and sell the seedlings every spring. It’s maybe an extra £120 every spring!
DannyGre@reddit
I havent left the country since 2017, I have enough for local days out but once hotels and flights are considered, it gets too much for me. I am single and live alone so I am paycheck to paycheck.
According_Ninja6620@reddit
I've simply started stealing everything..... I drove off with £110+ of fuel in my BMW V8 X5 on false plates and was caught. I'm expecting a court date and £40 fine. Lucky I have Holidays I can use at short notice for the court date.... I'm still up over £70
ukbot-nicolabot@reddit
A top level comment (one that is not a reply) should be a good faith and genuine attempt to answer the question
TerpzArmy@reddit
Good lad. Hope you have loads of kids too. So you can pass on your wisdom.
According_Ninja6620@reddit
They are well educated.... All Claiming Full Pip. All 4 of them.
TerpzArmy@reddit
More people should take a leaf out of your book
According_Ninja6620@reddit
Thank you.
fotfddtodairsizr@reddit
Won’t they also charge you for the fuel you stole?
Also won’t the penalty for false plates be more than a fine?
According_Ninja6620@reddit
No and No.... Plates were Close and CPS Threw it out.... No No Fuel cost either I'm assured
Due-Kaleidoscope-353@reddit
I've had to cut back on the blackjack and hookers.
qazk@reddit
Good choice keeping the money for coke. You got your priorities straight!
Mjukplister@reddit
I stay in spend less . And save for anything I want . Have cut back hugely
phetea@reddit
Minimum wage factory worker, wifes a carer. 3 kids. We make simple cutbacks, mostly to our own life so we can focus on giving the kids what they want and need.
Restaurants/ takeaways once a month at most. We buy our veg from the farmshop and it seemed cheaper as larger better quality, good deals on their eggs etc. Our meals aren't extravagant but health focused. Crisps, chocolate and insert shit of your choice here has been eliminated for a long time anyways but yeah we probably couldn't afford to stretch our bill with empty calories and junk shit.
I'm a moderate drinker but brew my own, we buy loose leaf tea to save teabag costs, 7.5g of weed lasts me 3-4 months as i only dry herb vape once or twice on the weekends.
Petrols particularly bad at the minute but i chuck my 1 year old on his back carrier and we walk anywhere reasonable. Its the holidays now which are us having great fun doing local nature reserves/the coast.
Clothes, fellas will understand, I'm mid 30s and happily married. I have no need to look amazing, charity shops do me fine and i have decent smart clothes i still fit in from when i was in my early 20's and a high earning consumer.
We have a TV, a laptop, me, my wife and oldest have smartphones. We dont do subscriptions to streaming tv/music anymore as they're ridiculous so i just torrent what we want. The kids don't go on their devices beyond homework, or an hour here and there for my oldest. Our weekends consist mostly of playing card games, monopoly or they'll draw and we'll watch something or read.
Its important to point out that we would probably be like this on 100k a year.
Sc4rl3ttD@reddit
I’ve had to stay in a relationship I don’t really want to be in anymore just so I can afford to live… 😖 if I leave, I can’t afford to stay where I grew up etc, so will have to move up north, and find a new job and so on, and that’s if I’m lucky! It’s not worth the risk sadly!
PoolRamen@reddit
It doesn't now for me.
I grew up poor and even though it's been decades since I've seen a whiff of hardship I still have the hustle and prep mindset and that's meant I've been largely focused on going ever upwards by whatever means I have at my disposal.
Admittedly right now it's got to the situation akin to where I'm still grinding in a game after I've pretty much completed all the major challenges, but I think it's a good mindset to have if you're at all worred about that sort of thing (and it's been lurking in the back of my mind all this time).
It's up to you whether this is related in any way to the post, but the antithesis to my mindset is someone more invested in protecting a narrative of victimised competence.
Longjumping_Mood3729@reddit
I earn just a touch over 39k, partner on minimum wage. Combined income around £65k. We live in Wales so things are a bit cheaper, renting, no kids. Just a car loan in terms of debt which is just over £200 pm. Able to consistently save/invest and have discretionry income.
In our situation personally we don't feel financially strained, but I agree our personal circumstances are not indicative of others or the current cost of living situation
Vivid-Access7555@reddit
I'm earning 38k , after mortgage , bills , nusery bill , my oldest school meals abd after school club we are left with £200 for food . Absolute joke. We get no benefits though so loose out on discount plus I loose £900 before tax on tax, no , union fees , registration fees and student loan. We can't afford gym , luxuries or holidays :(
bellabanjsk@reddit (OP)
I hear ya. I got an inflation payrise of £1K a year and it’s already been eaten up by hiked living costs
Ok-Slip-8663@reddit
I earn £36,000 and my partner earns £32,000. We both work full time. I think we do OK, we have no kids, own our home and go on a foreign holiday a year. We save a decent amount. It would be nice to be earning more, my job contract comes to an end in September and despite being reasonably qualified and experienced in my field there’s not a huge amount about and not yet found anything that pays more than I currently do!
bellabanjsk@reddit (OP)
To be honest I think having a kid probably tips the balance on this salary being manageable versus unmanageable. I pay £760 a month and get all of the discounts! If I didn’t have my mum doing a day a week it would be significantly more.
Serious_Badger_4145@reddit
Everyone's just stressed and I feel like it's noticeable when you're out and about. We're all just stretched a bit too thin and people are a bit less patient, a bit less reasonable, less tolerant
Certainly in my area theres been a increase in stupid crimes. The kind people only do when they feel like society isn't 'for' them. Why not smash a bus stop? Its not there for me. why not smash this person's window or set their house on fire. they've no idea how hard it is to live my life.
Its just kind of annoying and tiring to live around tbh 😂 not to mention everyone's apathy and grumpiness over politics. I've never had any money so none of that's new to me but I'm really not enjoying everyone else not having money as theyre all in a terrible mood over it 😂 its hard to live alongside
bellabanjsk@reddit (OP)
God you’re so right about the mood thing! I definitely feel more strung out because I don’t get time to myself. Some people don’t understand why I can’t carve it out but I have a kid, work full time and spend my downtime with him and cleaning/catching up with chores. If I could afford a cleaner I’d save about four hours a week and maybe be able to go swimming, or for a walk on my own or something that would lower my stress levels!
3speechnotallowed@reddit
I push trolleys for Asda but I'm content and comfortable with zero stress. I'm very fortunate because I bought my house with cash.
Thi13een@reddit
Just buy what you want and smash it all onto a credit card. Minimum payments until you die. Which given the state of the country and COL probs won’t be long for all of us.
Fuck it. Fuck the system. Buy what makes you happy. Whatthefuckever.
legendarymel@reddit
I make about 5k more than I did a year and a half ago and it’s really helped. I also cut down on commuting.
The extra money and savings from cutting out the commute have really helped. I’m still only on 31k but my husband makes a little more than me and we live well below our means.
We don’t go on holidays but we go out for meals once or twice a month.
We have been saving because we are hoping to buy a larger home in a year or two and have also put some money away for IVF. Both are far more important to us than going on holidays so we just don’t ever do that.
VolcanicBear@reddit
I'm paid pretty well. It doesn't really affect me aside from maybe saving less tbh, not sure.
Weekly shop seems expensive.
ukbot-nicolabot@reddit
A top level comment (one that is not a reply) should be a good faith and genuine attempt to answer the question
bellabanjsk@reddit (OP)
So… you’re not on a low salary?
VolcanicBear@reddit
No. You asked how low salary vs cost of living affects me, so I let you know it doesn't.
rectangularjunksack@reddit
oh nice thanks for chiming in! I'm sure this person who can't afford treatment for their back problem appreciates your input
TerpzArmy@reddit
This isn’t the USA
rectangularjunksack@reddit
it's not?
VolcanicBear@reddit
You're welcome!
Pretty sure not going to a chiropractor is going to be the right choice, regardless of the reasoning though.
queefybean@reddit
Wow thanks bud
VolcanicBear@reddit
Always happy to help, queefybean.
Affectionate_You_858@reddit
Yeah, i now only have lobster with my filet mignon once a week
VolcanicBear@reddit
Sucks, doesn't it? I turned 40 last week, but due to wanting to avoid higher fat I went for filet mignon instead of wagyu.
Never had lobster, doesn't really seem worth the effort.
cocainendollshouses@reddit
Minimum wage. Just keeping my head above water. Just. Life is shit.
psychoticboydyke@reddit
I make 20k a year and use private healthcare because of NHS wait times (I've been waiting 2.5 years) and last week I chose a blood test over food
Dense_Ad7115@reddit
I earn £36k, my partner earns £45-50k depending on the year (and we live in central London). We have plenty of savings (house deposit has been saved for many years now) and managed to go on holiday a couple of times a year. I think we're doing fine. I'd like to be earning more, but I career switched a few years ago so I'm building up to her salary. I don't think us earning more would be that impactful to our overall quality of life. We eat what we want, heat the house how we want and generally do alright. If we had a child things would be a bit tighter, but we would manage fine. However, if one of us earned less then we would have a significantly harder time.
charlottepharoah@reddit
I’m on 29k and my partner is on about 55k in Newcastle. We can go to gigs/ a couple of foreign holidays a year (city breaks) and a staycation in the lakes for a week. We don’t really buy much - I’ll maybe get something off ASOS every 5 or so months and the rest is just second hand books. But we do go out a lot!
Our bills are super reasonable because of where we live but we’re lucky our hobbies are mostly walking and exploring locally. We can do full weekends in Northumberland for sub £40 each but because this is our hobby it doesn’t feel like we’re missing out on anything.
We probably eat out once a month, and maybe get a £30 takeaway once a month too? I budget about £350 a month for fun spends but do occasionally have to send myself more money. Save about £300 and invest £150.
I’m lucky most of my hobbies are low cost so it doesn’t feel like there’s been much of a trade off with fun vs essentials while costs are going up.
fiveofspades94@reddit
On 31k full time. I have sacrificed little luxuries like weekly takeaways, monthly manicures, pedicures every 2 months and the fancy 70 quid haircut every 3 months. It mostly sucks for my hair and overall vanity, but if it means 100-200 leftover at the end of the month then great.
Prestigious_Emu6039@reddit
On 40k wife on 6k. Can 'save' about 400 a month but then something always comes along.
when_music_hits@reddit
Vinyl Record addiction vs food...hmm This guy is looking like a meal is well overdue.
jerbaws@reddit
I earn about 8k a year. Life is just surviving
missy8985@reddit
It’s easy, we don’t go out unless it’s to shop. We don’t buy coffee when we do go out, coffee out is a treat, take aways are a treat. Things did get easier when I started shopping for clothes on Temu.
Look after the pennies and let the pounds look after themselves.
mr-ajax-helios@reddit
I do the bare essentials and try not to feel depressed
According_Ninja6620@reddit
Do you have a Dog?...
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