Is life in the UK actually as expensive and stressful as people say in 2026?
Posted by HJuon@reddit | AskUK | View on Reddit | 307 comments
I’ve been reading a lot of mixed opinions about living in the UK lately. Some people say it’s getting really expensive and hard to manage daily life while others say it’s still a good place to live if you plan properly. I just want to hear from people actually living there right now in 2026. Has cost of living really gone that high compared to previous years? Is it still manageable with a normal job or student life? What’s the biggest real struggle people don’t talk about enough?
I’m not looking for Google answers just real experiences from people on the ground.
electricaldino@reddit
my income has more than doubled in the past 3 years but i only feel very marginally better off than i did 3 years ago prices are going up more than salary increases and it’s making it harder and harder to afford to live
No-Problem-1354@reddit
Let’s put it this way. I earn more now than I’ve ever earned but I’m the poorest I’ve ever been.
thebyrned@reddit
Same here, have a combined household income of £100k+. After mortgage payments, nursery fees household bills, and the occasional treat (like going out for a meal) there is nothing left every month. Struggling to put money aside for savings.
marsman@reddit
My household income is quite a lot lower than yours, no benefits, four kids at home, a car, and we manage to save, go on holiday, go away for weekends, pay for stuff we'd like (not just need) and so on. It may be area dependent, it'll likely be mortgage payment dependent and I assume we make some very different spending decisions..
thebyrned@reddit
Any of those kids in nursery? Forgot to mention both me and my partner have student loans too...
We are very frugal with our money. Like I said we would probably treat ourselves once a month and that's it. If your income is quite a lot lower then you must be hardly paying anything for mortgage and live in cheapest area of the UK
No-Salt6819@reddit
Nursery fees are temporary, I think you just have to struggle through that phase. What level of mortgage are you paying though? We're in a similar situation on less money, but I assume we just have a smaller house and therefore less money on the mortgage.
thebyrned@reddit
They are temporary, but would like to have another child soon. I think the main point being, given our household income we are genuinely considering not having another child because we simply cannot afford it/would have to downsize our house. It's a sad state of affairs and not a good look for the future if these are the kind of decisions we are having to make.
ReportTop2156@reddit
Our household total income is below £60k combined and 1 child and we are now starting to find it harder. I take packed lunch’s to work each day and we cook 99% of meals at home. I never let myself suffer from lifestyle creep though when I get a pay rise the majority is saved away so I’m use to living on a lower wage than I earn.
thinkdamage101@reddit
A lot of them are putting essentials on credit cards and getting into debt
Bugsmoke@reddit
Cooking from scratch saves me fucking loads of money. I spend maybe a half to a third of what all my friends spend on food and I eat way better.
thebyrned@reddit
How scratch are we talking? We buy fresh ingredients from the supermarket and prepare our meals based on recipes, may occasionally buy a tinned sauce but like to in general make everything ourselves, but we don't rear our own chickens...
Zealousideal-Low3388@reddit
I’m pretty sure I was more financially stable in 2013, as a uni dropout working in a pub, than I am now as a white collar worker
PolishSoundGuy@reddit
Are you saying we are all cogs in the late-stage capitalism that doesn’t have a happy ending?
Electrical_Panda_326@reddit
Capitalism died in 2008, when the governments decided to bail out banks that in capitalism would collapse and be taken over by banks that were properly managed. Since that moment the quality of life in pretty much all Western countries started to get worse and worse. Sometimes you need to go to the dentist and it's going to hurt, but governments keep choosing giving the public a painkiller instead and we are all now paying the price for it.
No_Height_2408@reddit
To be incredibly literal, most of us also can't find a dentist.
Artistic-Fish1125@reddit
Have you tried private? I had a terrible experience with an NHS dentist. It felt like WW1. They were just going to yank my tooth out without any numbing meds. Found a private dentist and got to register same day. The private dentist was able to fill my cavity just fine and he's been my dentist ever since.
EhDinnaeEvenKen@reddit
Well, well, well...
Look at Mister moneybags here, imagine being able to afford a private dentist.
Artistic-Fish1125@reddit
Ours is actually rather cheap. £30 for checkups is not bad in my opinion, but I've never shopped around.
jimmykimnel@reddit
It's incredible how many people can't see the state fiscal policy and massive power over our lives at 45% of gdp is somehow "capatalism failing"....
The state is the one that's failing and we are all asking for more failure.
mango_proof_@reddit
Late stage capitalism? Lol
Acubeofdurp@reddit
First day on Reddit?
mango_proof_@reddit
Not talking to you
HatOfFlavour@reddit
You're a proper rat of sunshine for someone who uses LOL.
Fanjo_mcclanjo@reddit
They do come across as a rat of sunshine.
HatOfFlavour@reddit
Ha, I am fighting my autocorrect these days.
WindEconomy9242@reddit
This made me laugh haha
onionsofwar@reddit
Oh, what a beautiful baby boy.
No_Height_2408@reddit
I used to go on foreign holidays as a student through part time jobs. Haven't been on holiday since before covid
SousukeUK@reddit
When I started working in retail back in 2004 I use to get paid £4.95 an hour and didnt have problem paying my rent a have money leftover.
No I get paid over £16 and hour and still have barely anything left end of the month.
Forget about going out to eat every now and again.
It's cheaper to save up on eating out for a year and use that money to go out of the country for a week.
So yeah!
Artistic-Fish1125@reddit
I had to move last year and sell my house because my husband got a new job somewhere else. Our rent was nearly £2k/mo, but our mortgage at our old house was only £695/mo. Now we own again and our new mortgage is nowhere near the cost of what our rent was. It's absolutely crazy how mortgages are somehow cheaper than renting yet not many people can get on the ladder.
Yamsfordays@reddit
I feel the same.
I’ve been out to eat a few times in the last year or so and it’s been crazy expensive. The food is also the worst quality it’s been since I can remember. I can only name two places where the food was good enough that I’d go back.
I’m now of the opinion that if I want good food, I have to make it at home from scratch. Anything that’s pre made seems to be awful quality now. It’s a shame really, I used to love going out to eat but I’m disappointed every time now.
CriticalCentimeter@reddit
So 22 years ago, things were cheaper.
Fancy that
Reko2@reddit
Isant that the question if the thread? Wages not kept up with cost of living. Providing experienced truths.
Friendly_Yak_2713@reddit
Wages have exceeded the cost of living by every metric. You need to look at stats and not just vibes.
onionsofwar@reddit
Yeah that's a gradual process, which is fine if wages rise sufficiently, smart arse.
HatOfFlavour@reddit
I've seen posts of people claiming to be settled in their careers who can't afford to rent the first shit hole they rented when first moving out. Stuffs gotten unaffordable.
drivelhead@reddit
Look at Mr Fancypants here, being able to afford food at home!
Artistic-Fish1125@reddit
I have two first university degrees with high honours and I earn £27k/yr. My husband has a 2:2 from a Roger university and earns double that plus yearly bonus and Christmas bonus.
Friendly_Yak_2713@reddit
Wages have risen faster than inflation so this is a very you specific problem
reditcyclist@reddit
Strange way of looking at an average wage inflation.
Friendly_Yak_2713@reddit
The average person is richer in purchasing power terms than they ever have been. So any stories of people being worse off are specific and unrepresentative
reditcyclist@reddit
I can't help you understand this.
Friendly_Yak_2713@reddit
What have I got wrong?
Wages have risen faster than inflation.
People are richer.
Broccoli--Enthusiast@reddit
Inflation is a useless number for the average person for a start, and the average wage rise is massively skewed by minimum wage rise and the very rich, the middle hasn't actually moved that much and most jobs are falling towards the bottom as minimum wage catches up
Eneergy, goods and food prices have also outstripped inflation massivly , but it's hidden because we had massive spikes during COVID that at now left out
Inflation only looks year to year, so we had a few bad years on paper but if you look at the price changes over the last 5 years, food has gone up almost 50%
And to compound that, portions are getting smaller with shrinkflation and ingredients are getting cheaper
And similar things are happening in most areas of life for a normal person.
Friendly_Yak_2713@reddit
Why is inflation a useless number? It's quite informative.
You then specify food prices have risen by over 50% but wages have risen by the same over that period.
Energy inflated then deflated. It has not risen above wage levels over the recent period.
Average wages and minimum wage have risen at similar levels over the last five years so the total average can't be skewed by the min wage increase.
If course you need to look more than year to year but taking the last five or ten years average wages growth has still outstripped inflation.
Broccoli--Enthusiast@reddit
Haha you serious think average wages have risen 50%?
Median wage in 2020 was about 31k, it's now about 39k, that's a 23% rise, not even halfway there.
Friendly_Yak_2713@reddit
So even if it's not quite 50% (c. 40% from 2020) that's still above food which is also not 50% (closer to 35-40%) and remains very cheap as a percentage of income when compared to other similar economies.
Friendly_Yak_2713@reddit
https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/employmentandemployeetypes/bulletins/averageweeklyearningsingreatbritain/february2026
SouthCulture6230@reddit
I'm in exactly the same boat!
Top-Car-808@reddit
but do you really? you are probably talking about nominal wages, not real wages. 'real' means adjusted for inflation.
surfrider0007@reddit
Ditto
Kvark33@reddit
Yep, I was better off when I was in my graduate program than I am now fully chartered earing nearly twice as much.
thelaughingman_1991@reddit
Same, and same. My £30k salary now feels like my £17k salary in 2018.
explodinghat@reddit
And those who have experienced flat growth or minimal growth on their earnings over the past 5-10 years are significantly poorer now than they were a few years ago
IEnumerable661@reddit
This!
Until recently, I was on the most I had ever been on and thanks to cost of living, also the poorest.
Given that I work in software, salaries are racing to the bottom. I've had to take paycuts to essentially stay working but that won't be for long. So given the cost of living crisis, I actually have lower salaries to look forward to in future.
We are really considering moving country completely. Ireland is top of our list at the minute given I'm from there.
Bernice1979@reddit
I‘m from Germany and also considering this but don’t know how with a husband who’s a teacher and only speaks English. It definitely was much easier weeknight arrived on these shores in 2007.
IEnumerable661@reddit
You only live life once.
Right now, you know the situation in the UK. And you can take a pretty good guess as to what the next 5 years will bring.
You don't know the situation in Germany if you moved back. I mean, you can take a good guess, but ultimately you don't know.
I would make the move. The husband can learn German as he goes but anytime I have been or worked there, most people have been happy to speak English to me. If it doesn't work, you can always move back!
antonylockhart@reddit
Yeah I’ve changed careers and increased my wage by over 50%. My quality of life is no better and in some cases worse.
Friendly_Yak_2713@reddit
Average wages has increased by 50% over the last few years so you've not really managed to increase your wages beyond the inflationary impact
Competitive-Fig-666@reddit
I worked in hospitality for a decade and started studying just before Covid.
Now I earn double but have less cash, work with the grumpiest cunts and cry most mornings before coming to work. I want to go back to the fun life.
originalwombat@reddit
I earn so much money and my husband also earns well. We can afford to live, we cannot afford any extra luxuries. No holidays for us. We should have enough money for that on our salaries!
zelandofchocolate@reddit
Every time I get a pay rise I somehow earn less
Lebowski85@reddit
Not just me then
mango_proof_@reddit
Yeah it's a shit shoot tbh
SeoulGalmegi@reddit
That's it in a nutshell. Combined with no real hope for the future.
It's the feeling of stuff going backwards rather than the actual state today.
ImTalkingGibberish@reddit
Exactly
ThrustersToFull@reddit
In exactly the same boat, with my own business that has just turned 10 and I am wondering what the fuck it was all for
ChrisRR@reddit
Reddit likes to act like no-one is earning a comfortable income in the UK, so take people's comments with a pinch of salt.
Living is definitely getting more expensive as with most countries, but generally the UK is still a good place to live in. I can't think of many places I'd rather live
Heeeliaz@reddit
Facts here
clrthrn@reddit
I live in NL now and my wages go a lot further here than in the UK. Lots of other countries are suffering but UK is uniquely bad compared to it's peers like Germany or France. The struggles of my UK friends are not the same as over here. My average paid friends here are still having holidays, meals out etc whereas my fairly well paid UK friends are not enjoying the same standard of living. It's really sad to see.
marsman@reddit
I have family in Germany and the Netherlands and frankly there doesn't seem to be a massive difference (similar issues, similar benefits), people seem to go out and go on holiday at similar rates, meals out used to be much cheaper in Germany than in the UK, but that seems to have changed.. Housing is a bit better (thinking Germany again..) but on the UK side more own, and in Germany rents seem to be rising. I don't really feel like the UK is doing poorly in comparison to those (its been a while since I lived in France though, I suppose France might be smashing it, but it doesn't look like it).
TryTrynTryAgain@reddit
It’s not uniquely bad though, everywhere in Europe is struggling.
The far right isn’t popping up solely in the UK, it’s everywhere, the far right only pop up seriously when people are struggling.
Namerakable@reddit
That's anecdotal, though. Myself and other people I know still go on holiday and have meals out, and that doesn't mean other people aren't struggling. And just because your friends aren't doing those things, it doesn't mean the UK situation is "sad". 💀
Kharenis@reddit
Right? I'm earning the most I've ever earned, but me and my parter still have well below a six figure household income. We don't have kids, and we can afford to go on international holidays multiple times per year (we aim for 3), eat out multiple times a week, do pretty much whatever we want, whenever we want etc.
Thyuma@reddit
That’s also anecdotal though 😂
Namerakable@reddit
Exactly. Which is why I said "that doesn't mean people aren't struggling".
clrthrn@reddit
I mean you can also look wider and more academic studies to that he UK is struggling more than other EU countries. OECD forecasts also agree with this, UK is 2nd worse in Europe. It's not just anecdotal. https://www.nuffieldfoundation.org/news/average-uk-families-8800-a-year-worse-off-than-in-comparable-countries#:\~:text=Britain's%20slow%20growth%20over%20the,their%20French%20and%20German%20equivalents.
Namerakable@reddit
2nd worst? So UK is not "uniquely bad".
Fanjo_mcclanjo@reddit
No, second worst is a great position to be in. Smh
Namerakable@reddit
I'm not saying it isn't.
Artistic-Fish1125@reddit
I am a dual citizen and wouldn't ever want to move back to the US. My mom was working three jobs while having terminal cancer. She ended up coming home from a job one evening and just dying. She couldn't afford her cancer treatment and health insurance didn't cover all of it. She also needed a stint and was newly diagnosed with Type 1 diabetes. It's absolute hell over there. We are so lucky to have the NHS.
No_Pin_7171@reddit
I'm sorry for your loss. That's such a sad story. I agree, we are lucky to have the NHS.
Artistic-Fish1125@reddit
Thank you. We are also very lucky to have first aiders at work. My father died at work because nobody knew CPR. We tried to sue, but were told there's no laws to say workplaces have to have trained first aiders. Absolutely maddening how America runs.
thegerbilmaster@reddit
I'm on mine 38k, might do 45k if I smash a bit of OT. Girlfriend works part time as a nurse for a about 28k iirc.
We are comfortable. Obviously we are not balling but we our own our own home and make renovations, we can save, go on holiday couple of times a year.
It's the food prices and mortgage increase that hit us most over the past few year.
I get why people say this, if you both earn close to minimum wage or a solo person and live in the south, life must be a lot harder.
Everyone's got to remember, you hit the absolute jackpot being born here and not in third world shithole.
Raneynickel4@reddit
Where you live in the country also matters a lot which you havent mentioned. Your combined salary in Cumbria would make you very comfortable. You wouldnt be so comfortable in London.
thegerbilmaster@reddit
Did you read my post mate? I said it's more expensive in the South...
Raneynickel4@reddit
You mentioned a hypothetical scenario about it being more expensive in the south. Saying that sentence doesnt necessarily mean -you- live up north. Why would i assume you live in the north just because of that sentence?
Existing-Rhubarb-972@reddit
Ditto, we’re fairly comfortable (and we have no kids which makes life cheaper) but we’re no better off than we were 5 years ago despite earning significantly more. We also live in a 1 bed flat, drive a 25 year old car, go on budget holidays etc. so not exactly living the high life despite being higher than average earners.
We’ve lived abroad and REALLY struggled before, so we’re pretty happy to be here - we know how much worse it could be. It’s just frustrating that every pay rise is swallowed by increasing costs for the basics rather than allowing us to enjoy it.
Invermash@reddit
The no kids this really is the answer, I earn roughly 43k and my wife earns about 19k.
I keep looking at the sums and don't know how we have kids? If our income stayed the exact same if would stress me out, as kids expenses would eat into my monthly savings and wed be reducing what we could save each year. But without my withs 19k, literally don't know how it's possible..
Mister_Funktastic@reddit
That's the operative word. Savings. It's been a long time since I've been able to save anything.
libdemparamilitarywi@reddit
There's a state support available. At a minimum you'd get child benefit and possibly some universal credit depending on your circumstances. If your wife planned to go back to work she'd get maternity pay while she was off and then free childcare hours.
You'll still have to cut back a bit as it won't cover everything, but it's doable if you really want it.
BallEnjoyer6@reddit
My brother and wife earn that and have two kids. If you want them you make it work. If you don’t then it’s also fine.
One thing to remember is if you have kids you’re priority one (rightly so) for any help if you lose jobs or have no income.
thegerbilmaster@reddit
Ah fuck it.
If you want kids, have them. You'll figure it out.
People have kids in metal shacks in the favelas and they survive.
People used to have kids on fuck all.
Invermash@reddit
Very true, but it's a very much not sure for us, and the facts about affordability are right there discouraging it.
Educational_Bowl_447@reddit
Yup, solo person living in the south and on next to minimum wage here. Living with parents and saving, saving, saving. No matter how much I save though, I can never keep up with the house prices and the high demand for housing.
The alternative is to get married to someone who works full time so the banks will trust us more with a mortgage, or live in a box paying extortionate rent to private landlords.
There is a third alternative, get dismissed, go on benefits, get children out of wedlock and then queue for social housing. But that’s a risk I’m not willing to take.
niteninja1@reddit
Now now your not allowed to admit to not being totally broke.
drivelhead@reddit
I live in Australia, and can confirm that the increases to the cost of living are not unique to the UK.
DameKumquat@reddit
Yeah. I'm comfortably off but still 'feeling the pinch', plus the teenagers keep needing and wanting more and more spent on them.
But cost of living is rising in most countries, while pay struggles to keep up - the UK isn't unusual there.
BillWilberforce@reddit
Rent is exorbitant, everything is going up in price.
Wages are largely stagnant.
Pubs are taking the mick with their pricing.
Most people who aren't home owners, seem to be financing their lifestyle, largely via credit card debt.
Private_Ballbag@reddit
Wages aren't stagnant they have been rising faster than inflation for a while now. Most people are home owners. You're completely telling lies
Broccoli--Enthusiast@reddit
Real wages are stagnant for the middle, the risers are from too earners and the minimum wage rises pushing it up.
The rest of us are getting 2% a year at best and it's definitely reaching breaking point at my work as the hourly labourers are catching up to the salaried office staff.
It's gotten to the point where I would be better off financially if I became a pallet move and worked a few double shifts a month...
marsman@reddit
No, they aren't, middle earners are seeing slightly slower wage growth than those at the bottom, but its still above inflation. It's also not 'at best 2%' for those between the 30th and 70th percentiles. Where are you getting this idea from?
Friendly_Yak_2713@reddit
100% this - the idea that living standards are dropping is verifiably false and likely linked to subtle propaganda pushing people towards parties like reform.
apextwit@reddit
"Approximately 5.4 million households in the UK privately rented their home in 2023, representing around 19% of all households. In total, including social housing, an estimated 8.79 million households rent their homes across the UK, with over half of these renting from private landlords"
fleapuppy@reddit
So approximately 31% of households are renters or either social or private housing, leaving about 69% as homeowners
Bemanos@reddit
"Home owners" with 25 year mortgages. You arent a home owner until you are mortgage free, and thats definitely not the case for "most people".
mailywhale@reddit
Think that’s quite harsh on pubs
Scottish_Santa@reddit
Quite, don't they make something like 60p/pint?
itsapotatosalad@reddit
And people are buying zero pints at that price. Makes more sense to me to make less profit per pint, but actually sell them. My local used to be busy all week with offers and things like quizzes, now it’s dead even at the weekend.
Scottish_Santa@reddit
Having read up on this a bit more, the profit is actually substantially lower for a typical pub. As such, there isn't really any lower to go. Where are pubs supposed to make a profit to pay staff/rent/bills etc?
itsapotatosalad@reddit
Food, snacks, soft drinks, and paying to play quizzes. Just off the top of my head. Need people in the door first though and they’re pricing them out.
mailywhale@reddit
Many many pubs are doing this yes
Scottish_Santa@reddit
So pubs should make a loss on the main thing they sell in the hope that people can afford the food? I'm not sure that logics mate
mailywhale@reddit
Depends on the pint, rent, number of staff, council tax, energy bills…
Broccoli--Enthusiast@reddit
It might not be their fault, but the prices in pubs are ridiculous and going out on the piss is a special treat now a few times a year , you can spend £100+ just going out for 6-8 drinks and a taxi home now . Fuck that.
BillWilberforce@reddit
The tax on beer is based on the percentage. 1 liter of pure alcohol has different tax bands on it depending on the percentage volume of the beer. 3.4% or below has the lowest level of tax per unit. 3.4%-5% is in a higher band and then it gets higher.
So a 3.4% lager like Carlsberg, Bud Light, Grolsch (used to be a 5%) is a lot cheaper, than a higher percentage beer for the same alcohol. Grolsch without a discount or the barrell return is £121.66+ VAT a barrell or £1.3825 per pint. Return the barrell and you gat about £50 back and order 15+ kegs a month for a 10% discount...... But all they want to sell is Camden Hells and other premium beers. Serve 5 customers and hour instead of 20+.
mailywhale@reddit
Plenty of pubs serve Carlsberg and Bud Light. A lot of people don’t want to drink them. I definitely don’t
BillWilberforce@reddit
The only pub I've seen serving Bud Light is Wetgerspoons.
Personally I find that I can drink as much 3.4-4% lager as I like 14-20 pints and I get a hang over once a year. If I have 8 pints of 5% lager I'm guaranteed to get a hangover.
mailywhale@reddit
You are not a typical pub goer, so realise that you aren’t the target market for most pubs.
The way you describe ordering beer sounds like you literally just want ABV*volume/cost. Most people care about a nice atmosphere, good beer, etc
BillWilberforce@reddit
I do like a nice pub but I'm not paying £7.50 a pint.
mailywhale@reddit
I don’t think the high price is due to the greedy greedy pub landlords though
Beny1995@reddit
What about rent, business rates and labour costs? They dont care about marginal pricing.
Hitching-galaxy@reddit
That’s me.
marsman@reddit
The cost of living has gone up, wages have also gone up, quality of life is about as high as it has ever been, the vast majority of people are able to live fairly normal lives where they aren't panicking over spending an extra £50/mo on something, most people manage to go out for a drink, or a meal, go on holiday, drive a car and so on, most people will be in a position to own a property (albeit potentially later than their parents might have been). Things have not continued to improve as rapidly as they did in the late 90's and people seem to get stressed about pretty much anything, but judging from my co-workers (who are generally not super well paid...) and my peers (who are broadly mid-income..) for the most part its not that different trying to manage a 'normal' life than it was at any other point, if anything, the level of admin has gone down quite a bit..
HobNob_Pack@reddit
Go into any job sub in here.
You'll find people who apply to 3 jobs a day complaining theres no jobs out there.
There's an awful awful lot of woe is me types in this country.. some of who will probably reply to this with 'but I!!!!!!'
Wages are stagnant if you dont push for a raise / move jobs but if you're an actual grown up and do those things you can get to 40k quite easily and then figure out what you're doing from there.
Current world issues aside its not particularly bad here I wouldn't say
repair-it@reddit
Things have changed since Covid - not so many shops in towns any more, everything seems to have gone online for most folk, and having things posted to you individually costs money. I'm on a fixed income as I'm retired, and meals out seem a bit expensive, but it's just the usual inflation, and my pensions just about keep up with that.
I do a lot of small DIY, jewellery repairs etc, and getting the thread is a pain now, the postage costs are the same as the cost of the items. If I could go to a local shop and buy it there during a visit to the town, it would be much cheaper.
Glittering_Win_5085@reddit
Everything so fucking expensive.
EvilTaffyapple@reddit
Cannot be both?
It’s a decent place to live and getting more expensive due to the ridiculous events of the last 10 years.
No_Pin_7171@reddit
I agree. Living in the UK is a privilege and it's a beautiful country overall. The costs have gone up everywhere, unfortunately.
Ashamed_Housing7489@reddit
Can’t wait to get my pension an leave the uk for south east Asia
Royal_Rabbit4901@reddit
£100k joint income. Beans on toast lifestyle
MasterOwl_@reddit
I'm living in London right now on a £22k per annum PhD studentship and I am managing, I can save about £100 per month. I also qualified for a credit card recently which has helped. I try to be on the lookout for cheaper places to eat and buy groceries, but I don't think I live overly frugally. My best savings tip would be to cycle everywhere you can, it will save you a lot on transport (especially in London).
Curious_Arm_893@reddit
I've lived here since 2012, as a student I used to live on about £10-15 for groceries and about £30 a week on fun and social stuff, rent cost me about £150 a week I think.
So all in all I was spending about £800 a month. I think I mostly survived doing part time zero hour contract work for £7.5-8 an hour, which was about 25 hours a week, some weeks a bit more, some a bit less.
These days with a partner, dog and a house, eating much fancier food and doing a lot of house and garden renovations, earning about 100k between us we just about save £300 between us on a good month, on a bad month we spend it all. We're pretty lucky we've got good jobs, so that means we've been able to get a nice fixer upper house and don't have to worry too much about most of the everyday purchases. We do have to watch out on the impulse buys though.
I think a lot of it is perception, going out and having a meal now often costs £40 each. A drink is often £7-12. So anytime we go an do something social it feels like we spend £100-£200 Food is sort of similar, used to spend about £50 for a week's shop for the two of us, now it's more like £100.
It often feels like "ooh maybe I'll skip the odd social event and save myself £500 a month, I could almost retire on that in theory".
Probably doesn't help that there's so many different things bombarding you with "you need to buy this, you need to buy that" these days too.
Outrageous_Donut7681@reddit
Yeah it feels to me like I'm working all the time and if I don't strictly control spending with an iron fist money just evaporates.
Glass-Literature-449@reddit
I am American and I found living there much more costly on a day to day basis
thebyrned@reddit
Average salaries in the US are significantly higher than UK
Blackest_Cat@reddit
So are the hours worked.
gizmogrl88@reddit
Me, too. We moved backed to the US and we are so much better off. Crazy.
Clejer9@reddit
Depending on what you do, your salary is the US would be close to double, or more. I earn £42k in the UK and would definitely be on $80-100k in the USA.
Like others said, the ceiling is much higher in the US but the floor is much lower. If you are working and healthy you can have a much more affluent lifestyle but I’d hate to be made redundant or get sick in the US.
SweetenerCorp@reddit
Don't know why your downvoted. Absolutely true, if you're working in the US, you're going to be way better off than most brits, especially outside of London.
The issue with the US is when you lose your job. There's a higher ceiling there, but there's also a lower floor.
It's harder to appreciate all the safety nets the UK has until you're in a position when you need them.
Anyone who's been to real rural US, or even off the tourist trail areas of certain cities, there's real poverty there, doesn't compare to the UK.
DampFlange@reddit
I agree with most of what you’ve said, however, living in LA became stupidly expensive to the point of absurdity post COVID.
I don’t see how you could survive there unless you were close to a six figure salary given the cost of living.
All that said, salaries in the UK are a joke compared to the cost of living, it’s scandalous how little they’ve increased during my working life.
Jazzlike_Quiet9941@reddit
Groceries in the US are exceptionally higher than the UK though!
glh2009@reddit
Don’t live in the south or south east, don’t have kids, don’t buy a new or fancy car, don’t go out to the pub, make your own meals, drink at home, don’t live in a postcode where you pay extra for the privilege, don’t take on expensive debt, shop around for food but no processed, drink from the tap and make your own coffee, bake, don’t have expensive hobbies like cycling just walk, a basic foreign holiday every two or three years.
NarrowOwl4151@reddit
Everyone thinks life in their city is the most expensive. I dare you to go ask an Australian how expensive life is down there and for you to wait for the explosion.
Away_Task@reddit
I mean, ask this in any country's sub and you'll get the same answer, yes.
Lea32R@reddit
"If you plan properly." You can make as many plans as you like. Doesn't mean they'll work out. I surely didn't plan to be living on a single income but here we are.
ZeroFrogsHere@reddit
I'm in my late 20s, I was 23 when the pandemic hit and I've been financially independent that entire time.
Before the pandemic a weekly shop for my partner and I was about £30
Now it was about £75
In that time my wage has increased with minimum wage, nothing more nothing less. It is highly unlikely that partner and I will be able to get a mortgage in the foreseeable future, despite both working full time.
A lot of my people are in the same boat, it is indeed incredibly stressful and miserable.
Donkey-Haughty@reddit
I worked in a factory in London in 1993 and I was absolutely loaded, rich I tells ya.
Now I’m shocked at price of cans of tuna in marks and Spencer
Fine_Shallot_8447@reddit
I am not "rich" by any means. However me and my partner managed to buy our home just before the interests rates went crazy 3ish years ago, what is more maddening to me for my younger brother, friends who don't own, our mortgage is cheaper than their rent in our area now, this wasn't the case 5 years ago.
Whilst I am probably the most comfortable with money I've been in my life (grew up poor, but now my husband has a very good job) whilst we can afford it, the prices for food we have noticed have gone up quite a lot as well as social activities like pubs, shows etc. we do not go on holidays every year, or even go out every weekend like some of our friends so it depends on what your priorities are as well.
Choice-Coffee-2151@reddit
Yeah I'm on over 50k and barely have money left over after rent bills food and diesel
myco_crazey@reddit
I got an apprenticeship and got qualified. Was earning a big chunk above minimum wage. Fast forward nearly 15 years I'm paid a couple quid more than minimum.
No-Salt6819@reddit
I live in Wales. We get by on a decent salary. It's a good place for just getting out and enjoying nature, so that is cheaper than city living. Money gets us through month to month, but we don't really holiday, so I guess you have to live by your means and not keep up with the Joneses. Biggest problems are unplanned expenses, like car breakdowns, washing machine etc. I had a quote to do the driveway on the house and that was insane, so now I am going to do it myself. I think that's the difference between managing and thriving - In an ideal world I would be paying other people to do stuff for me, and that would be contributing back.
All that said, I'm 40, I would not want to be in my 20s and looking at starting now, because the last 10 years have been brutal, and if my salary had risen with inflation, we would be laughing.
LegsElevenses@reddit
NHS nurse. As a nursing student I was paid £1000 a month, I lived in a central city 1 bed flat which I rented ALONE with ease and still went out on my days/nights off and managed weekends away (how??!)
Been qualified 12 years and am now in a senior position, husband works in construction and we are worse off than ever before.
dcNNNx@reddit
Normal job will see you living pay check to pay check unless you don’t leave the house and just stare at your wall all day. If you step outside expect to just get taxed for existing. Rent is too high, energy prices are diabolical, you can’t park anywhere close to where you need to go without paying silly prices, grocery shopping is a rip off, fuel costs a joke, coffee with a friend is £5-£10 maybe more if you put those silly bubbles in it, anything on private medical care will bankrupt you or you can wait on an NHS waiting list for the majority of your adult life, some train tickets especially if you want to ride in style are more than a very cheap 2nd hand car. I’m just getting started and there’s much more which probably would get me banned but getting bored so with the greatest of respect, just no. lol
Jazzlike_Quiet9941@reddit
Bit of an exaggeration. I've never lived paycheque to paycheque and I'm on minimum wage.
Clear_Painting1453@reddit
The we is doing the heavy lifting there. A couple on minimum wage has a higher takehome than a single person just inside the 40% tax bracket.
Jazzlike_Quiet9941@reddit
Definitely agree. I think it's easy for non-parent couples
TheTreeDweller@reddit
Precisely and having children is a choice people should factor costs of!
Kitchen-Tension791@reddit
We need more children, the government should create incentives for British couples to have children rather then importing the work force, thats our future tax payers
TheTreeDweller@reddit
And I didn't say otherwise, purely people should consider the costs of children.
Kitchen-Tension791@reddit
That's what people are now doing and that's why our birth rate is dropping , as with other western countries.
Broccoli--Enthusiast@reddit
what does your partner earn? Because rent alone around here is ok very half the minimum wage for a 1 bed...
Kharenis@reddit
May be harsh, but somebody earning minimum wage perhaps wouldn't be living in an average rental?
Broccoli--Enthusiast@reddit
Well if you read down, the person I replied to is actually paying that for rent , absolutely mental,
Jazzlike_Quiet9941@reddit
We pay 1300 yes. Both minimum wage, technically I'm less than minimum wage because I'm only part time
Broccoli--Enthusiast@reddit
Right so your partner probably takes home 1.8k and lets say you take home 1.4k, you would still be spending over 40% of your money on rent
You have £1900/month, 475/w to cover utilities, council tax, transport, food. Savings and entertainment for two people
I think you might be closer to the breadline than you think.
Friendly_Yak_2713@reddit
40% of take home on housing is a normal and reasonable amount. 475pw is plenty for everything else.
People overstate how expensive things are on here constantly.
Broccoli--Enthusiast@reddit
It's not really, 30% is the Mac recommended amount
And 475pw, 237.5 per person doesn't go far if you need a car or a train to work. My train to work alone used to be over £100/w being left with 137 for bills, food and savings is nuts and leave basically no room for any sort of entertainment
Friendly_Yak_2713@reddit
I mean sure if you add in a load of imaginary costs from someone else you can definitely make it look not enough
Jazzlike_Quiet9941@reddit
I have less than that even. Our total utilities are around 400, and we save a decent amount. She has 20k, I have about 10k, plus investments
dcNNNx@reddit
Oh and just looking in the direction of London will also bankrupt any children you are planning to have, and probably their children as well.
stuaird1977@reddit
It depends on how much you earn and your financial commitments.
Joint earnings of around 75k with a low mortgage, one small car lone and one child(11) and we do ok.
I imagine on a smaller or same salary with a large mortgage and a few other debts and it will be a struggle
mata_dan@reddit
Sort of, not really. There are probably only about 5-10 countries with a slightly better life economically for ordinary people, at a push.
man_and_life@reddit
I’ve been in UK 12 years now, started with £6.32/h minimum wage and now I get £20-21/h as self employed. I get more money , but guess what, at the end of the week, nothing is left. My wife works part time due of our child, and while our rent is high, apparently we can’t afford to buy a house.
To survive you need to learn lots of DIY, example if my cars break down, I fix it myself, I don’t smoke or drink, and I don’t have friends here. But yes, I would say is a bit depressing.
I am still thinking for alternatives, but where ?
itsapotatosalad@reddit
Dual incomes around the median, no kids, we’re doing fine. No idea how people are raising kids on single or part time wages though.
Illustrious-Iron2840@reddit
Life is as expensive as you make it, you either work to fund the lifestyle you want or change your lifestyle to what you can afford, lots into the uk spend more than they earn and then cry about it
MealComplex8672@reddit
There isn’t really a universal answer to this. I feel that I’m better off than I’ve ever been, whereas others will be struggling. There are so many variables such location, income, how many people in the home contribute towards financial outgoings, if you have children etc.
I can tell you that I’ve seen real poverty around the world and the UK is one of the best places to live. There may be better ones, or there may not, depending on your view and circumstances. It’s objectively better than many other places though.
WitchyWoo9@reddit
Im finding things more expensive but not feeling the pinch. I grew up poor and learned how to make money stretch and budget, now we have a decent household income I've carried this on so we don't have too many outgoings.
I_ALWAYS_UPVOTE_CATS@reddit
It depends. It's become a lot harder for people with smaller incomes, but reddit gives the impression that that's most of the country. A lot of people are earning more and consequently are doing alright.
Reddit acts like no one can afford to go out anymore, but pubs and bars are consistently rammed on weekends, as are shops, garden centres etc.
Obviously it's not right that people on lower incomes are finding themselves priced out of more and more things, but you asked for a general picture.
lizzylooloo1@reddit
Unless you can buy a house it’s not even affordable to rent anymore, a 2 bed property costs a monthly wage. Let alone the price of food and bills lol
decentlyfair@reddit
We have a very good income, we have a holiday abroad once a year and couple of city breaks and camping. We rarely go out and if we do it is for two pints and then home, we eat out even more rarely. We do eat well and don’t have to worry month to month. Having said all that we have to budget and there never seems any left over money these days.
Darkus185@reddit
I work from home and I literally save money by living abroad and working from an Airbnb than I do staying in the UK. I come back with more money than I would have had if I stayed put.
It’s also a bang average place to live to. Infrastructure falling apart, people look really wrecked, hobbling around. Litter everywhere. It’s an utter mood killer to return.
Sorry_Camp_5180@reddit
If you’re on a lower wage you live a good life in the UK because middle earners have all the stress and pay all the taxes to subsidise your life.
Logical_fallacy10@reddit
I can’t speak for England per se - but only London. Prices for lunch and groceries are fairly high now. Easy to spend 20 for lunch and 150 on food for the week. So that’s 1,000 on food per month for a single person. But the salaries here are also quite high. You see kids coming out of Uni getting 75k - yet they complaint :) People will always complaint - yet they keep voting people into politics that make it worse for them and give more to the ones on benefits.
necronomicoder@reddit
Quality of life hasn't kept up with the prices in my opinion.
https://www.theguardian.com/business/2026/may/04/uk-food-prices-rise-cost-of-living-crisis-beef-olive-oil-inflation
Nobody got a 50% pay increase to match the cost of goods increase.
Prior-Advisor9691@reddit
I’ve been here since 2017. A lot has changed. And it’s more expensive than it was.
thelaughingman_1991@reddit
What have you noticed change in that time, from an external point of view?
PhilosopherOfRome@reddit
Depends on your situation, if your still at home with mum and dad and earn an average salary your rolling in it and can save and live well.
If you live alone on an average salary, post bills and living expenses you won’t have much left at the end of the month.
If your a dual income household with mortgage and kids etc like I am, it’s okay but not as great as it used to be.
Location is a massive factor.
Big_Cheese16@reddit
Salaries are so incredibly low. Even positions up the ladder pay peanuts
mondeomantotherescue@reddit
A pint is £6.25 where I am. Fuel is £1.80 @a litre for diesel thanks to the orange kiddy fiddler. Energy prices are nuts. A standard burger in a country pub round my way is £18. It's nuts. All the the fun is getting sucked out of life
inevitablelizard@reddit
Last sentence is spot on. Everything fun and nice is becoming out of reach, and you're left with just the bare essentials of existence. And even those aren't cheap.
mondeomantotherescue@reddit
Most folk I know's life - work, tv, sleep. TV series are cheap. Taking kids bowling? £80 quid. It's nuts. It's just work to afford to eat and pay bills for many.
Conscious_Owl_5727@reddit
Agreed, fuel here is £189.9 for diesel
Lienidus1@reddit
Recently returned after living overseas for 15 years. The UK is so expensive for taxes, rent (I'm in London) and cost of transport, food etc I'm wondering how it can compete with other countries when you have to pay such high salaries. Many people working second or third jobs to make ends meet. London is beautiful in many places but I am probably not going to stay in the UK, if I lost my job I'm screwed immediately, I have zero security for my family.
Friendly_Yak_2713@reddit
Food prices and taxes are generally much lower than comparable countries. (Except taxes on high earners)
gregd303@reddit
I'm out for 11 years in Europe and do consider returning, but firstly the visa costs for my EU partner would be an immediate financial hit. Then, seeing what life may be like there, seems such a struggle. Just not sure if it's all worth it, when we are fairly stable where we are.
PootMcGroot@reddit
There's a financial line to cover your weekly expenses - £100 above it, you're fine, £100 below it, you're in a downward reinforcing spiral that slowly diminishes your standard of living to keep your head above water.
That line has been slowly rising since 2008, the financial crash, and the stagnation of wages.
Friendly_Yak_2713@reddit
Average wages having been rising faster than the line though so things are better than they've ever been from that perspective
upsidecloud@reddit
I'm 25 and grew up in absolute poverty, though I'm doing pretty well now, running my own business and pretty much enjoying life with my partner. We can't afford holidays but we're currently - very slowly - saving for a house deposit. Maybe it's the fact that I grew up hungry and cold for the most part, and that it was always a given that buying a house would be hard or near impossible for me, but I'm the happiest I've ever been and don't find life all that stressful. It's challenging, and bills are expensive, but I truly get a thrill out of being able to pay them - and not have to choose between them or food - and I'm so fortunate that I love my job and enjoy working hard for it. That said, we have no kids and live a tiny flat with rent relative to that, so we're not subject to a lot of the financial stressors that a lot of other people are struggling with currently. It's a lot about working hard and even more about luck, I think. My Dad earns a LOT of money but is always complaining about being 'broke' and how expensive everything is, but maybe that's because he'd bought a house by the time he was my age and was raised under the impression that being a homeowner someday would be a given as long as he worked fulltime.
FractionofaFraction@reddit
The only people in my current social circle who are comfortable are DINK households.
They live within their means, have time and money to spare and appear a lot less stressed compared to those who are trying to balance childcare (or paying for childcare) too.
Pretty sure that Gen Z is going to cotton-on to this 'one simple trick' and we'll go the way of Italy / South Korea / Japan.
DoJ-Mole@reddit
Depends where you live and your extra bills. Those ‘extra bills’ can often be essential, such as needing a car to get to work or having kids or pets to pay for as well. I can’t speak for those. I’m on just over £25k a year now and I’m financially comfortable but I have no car anymore and no kids, am sharing a rented house with a friend which takes up less than half of my take-home income even with bills accounted for.
Top-Car-808@reddit
Tbh, everyone is talking about the 'cost of living' crisis, and rising prices etc. Unaffordability is the only topic discussed.
What nobody is talking about is the collapse in wages. The reality of the cost of living crisis is NOT that prices have risen, it is that wages are stagnant or falling if you account for inflation.
Over the last 25 years, successive governments have persued a low wage economy. Yes, immigraiton is a part of that strategy. What do you get after 25 years of rising prices and stagnant wages? A nation of poor people.
We can't see that we are poor. That we have become a poor country. Because we still think that 50k is a 'good salary'. It was in 2000. It's not now.
We have persued the strategy of becoming poor. And we are now poor. and we are banging our heads against the wall shouting about high prices. What we should be shouting about is low wages. Low productivity.
Until we decide collectively that we want to be a high wages society, with higher productivity, we will stay poor, and get poorer.
But people don't seem to want higher productivity, beause that would mean the ultimate evil of higher profits. ANd profits seem to be the uiltimate evil...it might even lead to millionaires (huwwwat ttttttttt). Higher profits means people becoming rich (retch!!!!!) when we all know that being poor is being good.
Saltypeon@reddit
People earn more, things cost more and People buy more things.
The are large proportions of the population that are doing fine.
TobyField33@reddit
Depends where you are. I'm in a working-class area of the North East. Compared to a decade ago, it's way more expensive than it used to be, but compared to the south, it's like a different country for prices.
I'm actually not employed at the moment. I'm lucky to have earned and saved a decent amount a few years ago, and I'm living off that while I set up my own business. Still, my friends who work regular jobs can basically pay their expenses every month and not much else.
santh91@reddit
I can buy a lot of things but can't afford much
2infinitiandblonde@reddit
8 years ago when I was on £35k I lived a gloriously comfortable life and saved towards a house deposit as well as an emergency fund and savings and still have disposable income. Also ate out 3-4x a week.
Now I’m on £80k and I struggle to save each month after mortgage payments and bills (only 2% higher from my take home compared to my previous rent). Now I only eat out 1x per week.
BillyJoeDubuluw@reddit
I could afford to go out more when I was 22 (2011) and renting a bedsit and cleaning a warehouse.
The UK has even become expensive for high earners… I am now within that category but genuinely can’t afford a social life like I could about fifteen years ago… the working people are largely in shit street and either taxed to death or unable to even actually secure worthwhile employment.
Wild-Illustrator9639@reddit
Perspective: Male 38, wife 35, own a house well within our mortgage range less than 200k left on it. We have young kids, live in an area of Scotland earning over 100k between us. I earn double my partners wage but due to taxes, and student loan I take home 200 more than her. We are both professionals and have 1 car which is not on finance. We have no credit card debt. We haven't been on a holiday in 5 years because we cant afford one. We've done everything right and yet we cant save 100 pounds. Recently got an offer for Spain and a job. We worked out the finances and we would be vastly better off if I was a sole worker and we bought a house of a similar mortgage value. The UK is no longer fit for purpose and the welfare/NHS is no longer an excuse cause most countries now have a form of these.
Mysterious_Week8357@reddit
I would say that a lot of the stress comes from the fact that so much still seems to be set up as if households run with one person doing paid work and the other person running the household.
For most households you now need two wages to stay afloat but that creates logistical nightmares because there isn’t someone available to do things like the school run, cooking, cleaning, house admin etc as their full time job and things are so expensive you don’t earn enough to outsource those things (like getting a cleaner, someone to meal prep for you, someone to do school runs etc) so you end up having to do that job as a side to the paid job you also have to do.
Conscious_Owl_5727@reddit
A lot of the “I’m slightly worse off but still okay” comments are coming from those with partners. If you are a single person it’s pretty bad. I’m earning what should be a decent wage (£32k) and yet massively struggling. My rent went up 7%, council tax 3% and with fuel etc my pathetic 2% pay rise was swallowed up. I’m seriously considering opting out of my pension contribution because it’s £200 a month I seriously could do with right about now, which is a stupid decision for future me
Jeff_Lynton@reddit
I’m on a six figure salary and it’s still f***ing hard at the minute. Not saying that to brag, I’m not flashy at all, but I genuinely never thought earning this much would still feel like a squeeze. The tax alone is a joke, and by the time everything else is covered, it doesn’t go anywhere near as far as you’d expect.
Geek_reformed@reddit
I do the weekly shop online. Obviously it varies from week to week, but there are a lot of the same things.
5 years ago it was normally around £100. Now it is a £170. This is for a family of 3. We could cut costs for sure as that includes some luxuries and brands we could swap out, but we are in a fortunate financial position (mostly because my wife earns way more than me), but it still hurts to see that final figure.
allnamestakendafuq@reddit
I heard people said there's not enough migrants to do the dirty work, and GenZ doesn't have a chance and decide to stay on benefits. No one will take care od the old people. The status quo is unaffordable and things will change eventually, but it will be rough.
CF_Zymo@reddit
Probably. But I feel I have a fairly reasonable setup as a DINK couple who are both moderate earners. I would certainly still be living at home if I was single.
Own-Web-6167@reddit
I'm over ten years into teaching consistently, partner is a gp doctor of similar time, no kids or pets. We live in a 1 bed flat, leaseowned paying off since 2017. We do enjoy our life style with hobbies and usually annual holiday plus UK trips. With all the cladding issues, insurance raise, £4k property management fees in January then getting another £945 bill for fire safety door replacement... With current building repairs our balcony has been locked shut from the outside. We'll struggle to sell our flat and the fees involved in having an additional property outside of just an extra deposit are too high. On paper we seem to be doing well if you look at our salaries and savings, in practice still feel trapped in the workers loop.
TheRobson61@reddit
It’s completely dependent on people’s individual circumstances. It’s impossible to paint it with a single stroke.
I earn £40K/year and I’m saving far more than I ever have. I live with my fiancé and we have a mortgage.
But there’ll be other people who earn more than me, who live in London, that will be worse off. It just depends!
Acceptable_Reach2892@reddit
Depends if you come from abundance or scarcity
Majick_L@reddit
Someone living up north in a tiny studio flat with no kids, no car, no monthly subscriptions, no credit cards or debts, doing their shopping at Aldi might find it easy to manage on minimum wage and be able to eat fillet steak and treat themselves to new clothes and gadgets etc very easily.
Someone living a fast paced lifestyle in a 4 bedroom house in central London with 3 kids, a brand new car on finance and subscriptions to Netflix, Disney, Hulu and Amazon, multiple credit cards maxed out and doing all their shopping at Waitrose buying name brands, with hobbies like going out clubbing will be absolutely crippled and even triple or quadruple the minimum wage wouldn’t be enough
It’s all about perspective, your lifestyle and where in the country you live…everyone’s situation is different
peppermint_aero@reddit
"Someone living a fast paced lifestyle in a 4 bedroom house in central London with 3 kids, a brand new car on finance and subscriptions to Netflix, Disney, Hulu and Amazon, multiple credit cards maxed out and doing all their shopping at Waitrose buying name brands, with hobbies like going out clubbing will be absolutely crippled and even triple or quadruple the minimum wage wouldn’t be enough."
I think you've massively underestimated how expensive 4 bed houses in central London would be. At that point it doesn't matter what your salary is, you probably have either a very high paying job (as in over £100k) or you come from generational wealth.
Mjukplister@reddit
Yes . Like many countries the UK are seeing a major hike in outgoing (bills , rent/mortgage and food especially ) adjacent to stagnant salaries and increased tax for some . However we are not unique in this problem .
Serious_Badger_4145@reddit
"while others say it’s still a good place to live if you plan properly" the people saying this have high paying jobs
Look I love living here and the cost of living won't make me move but like. It's not ideal at all and the gap between high and low earners is now a chasm. People straight up don't understand that if you're born in to a low earning family 9/10 times you're going to wind up low earning no matter how hard you work and how clever you are and it's just. Exhausting
I don't know anyone earning the median wage. I'm surrounded by really intelligent people working their arses off for nothing. And it's. The people earning above median wage are complaining they might not be able to go on a second holiday meanwhile other people are making serious choices every time they switch the hot water on
It depends on what you consider managable. I can keep the lights on and food in my cupboard but every month something else is stretching my already stretched budget. I've never been able to afford holidays so I don't have that cost. Ive never been able to afford a car so that doesn't affect me. And I haven't eaten out or bought takeaways for years. So yeah I'm not starving or freezing and my bills get paid but it would be frankly disingenuous for me to suggest that it's not a struggle simply because I've shrunk my life down
PresentRelevant3006@reddit
Yes. It has gone up. I am seeing more and more people on wages that, 20 years ago they would have been flush.
The thing for me is, yes its more expensive now, but I have always been poor. Many of us old poor, are seeing a lot of new poor. So for those who have comfortable afforded things I would think a luxury it's even more of a smack in the face with the cost of living.
I work part time while being a full time carer for my disabled adult child. Things we have never had and would never have, is a car, holidays (even in the uk...we just do day trips) and if we have a meal out it very much is only on special occasions. I don't drink, don't smoke and we are very frugal but this comes from 20+ years of being old poor.
Food prices are the big one, I have seen a lot more of our money go on groceries and we just buy the basics. We still reach the end of the month and am lucky to have £2 left but now we have less to show for it. However, and this is the big thing, we are very fortunate to live in social housing, so have much lower rents than others.
Per month with my wage included the household income including my adult child's disability payments, is 2.3k a month. I can say, having lived with a lot less, it feels exactly like the 1k from 10 years ago...if anything, a little less. I used to top up my electric with £10 a week now its £20-£30. Its lots of small things that soon add up.
But that said, and likely because I spent a long time being very poor, we're comfortable. We have food and bills are paid but we do not have a lot of expenses others need to live, such as a car etc and our rent is a lot lower than many others. If we were not in social housing to support my disabled daughter, I do not even know how we would survive having looked at the rent prices in our area. Our rent is £535 a month. A friend pays £900 a month for a house the same size.
My mobile phone is second hand and I bought in 8 years ago. I do not have a contract. Gifgaf £8 a month. Our internet is the basic with home phone line and is I think (its just gone up) £38. Council tax our bill increased by 400 this year but get money off due to daughters disability and pay £15 a week. Water is £32 a month when it used to be £24 not to long ago. Gas is £35 a month in winter. Less in summer. Gone up by around £8 ish. We use a lot less heating in winter.
Food is the biggest. Now. in 2017 I would never spend more than £40 a week on myself and my daughter. Now its closer to £80. Not every week as I do budget. But the price of things has almost doubled. A prime example I remember when the bag of pasta would cost 45p and now is closer to 1 pound.
But, perhaps its just from having lived poor for a long time now, in some ways I am more comfortable. Cupboards never run out. Bills are always paid. But, for example, we're planning a day trip next month, which is going to cost £90 and i know next month, it will be a struggle for certain things as a result. There does feel a lot more balancing now.
But as I said, we live in social housing and if we did not, we would be destitute. I can only imagine how hard it is for those, who have to pay the insane rents landlords charge.
peppermint_aero@reddit
Thing is, you're going to get a range of answers here too. The responses here may be slightly more authentic than what you see on social media because it's just an answer to a question rather than a "planned post". But don't forget reddit is not a full sample of the UK.
edgeofsanity76@reddit
Stealth taxes and stagnant wages have made us poorer. Tax thresholds need to increase so that everyone can benefit but the government just won't do it.
Inflation is inevitable but the government won't do anything to increase the viability of peoples wages.
In general, if you earn ok then you should be fine. It's just those wages don't stretch as far as they should
zentimo2@reddit
I think it's really variable based on your personal circumstances, which is why you get such a range of responses.
I live in a city in the north (not the most expensive, not the cheapest), and feel very comfortable, despite the fact that I'm earning very average amounts of money (34-40k). But I bought a cheap house (terrace for 125k) ten years ago, split the bills with my partner, and we don't run a car and don't have kids, don't have expensive lifestyle tastes.
If you live in a more expensive part of the country, have kids, run a car or two...things can get out of hand very fast.
Sirlacker@reddit
Wernt to the cinemas the other day.
2 adults, 2 kids, popcorn, 2 cokes, a water, a fruit shoot, a bag of habrio and a bag of chocolate buttons - £78
Pints are on average £5-6
Motorcycle track usage - £30 for 15 mins
Chippy order of chips cheese and gravy, chip muffin with curry sauce, 2 small cans of pop, a sausage and a large chips is almost £30
Weekly food shop for a family of 4 without getting anything extravagant is about £150
Nursery fees for the month at 4 days a week, so not completely full fime - £1200
It's fucking disgustingly expensive.
aimeetozer@reddit
My weekly shop last week was £171 🫠🫠
Polz34@reddit
I think it's a mix, as it has always been. The difference now is those who would have been considered 'wealthy' or 'comfortable' a few years ago are now just 'surviving'
DurgeDidNothingWrong@reddit
The search for stress on Google seems to show something.
DurgeDidNothingWrong@reddit
Do a Google analytics search for the word stress, feel free to open the time period from 2004 onwards.
Mountain_Resident_81@reddit
I think it’s really different if you have kids or not. My husband and I don’t, and we own our home and save quite a lot each month.
Training-Trifle-2572@reddit
In my early 20s (2014-2018) me and my husband rented a room in a shared house in a capital city for £260 a month. We had to share a bathroom with one other, but it was a big bedroom. Bills were about £70 each. Once I got a decent full time job at £25k I was rolling in it, saving £1000+ a month after living on peanuts for years. We had a little car owned outright as well, Toyota Yaris 2nd hand 35k miles bought for £5k in 2013.
Skip forward to the present, we own an ex council house, drive a slightly bigger but older 63 plate toyota, earn about £75/80k between us, and have no idea how we'll be able to afford childcare for our first kid when I go back to work 🤦♀️ we're not poor by any means, but we will be after maternity leave. My parents survived off one wage with 2 cars and a much bigger house in the 90s. It wasn't easy for them, but my mum literally took 9 years off work at a younger age than me. You just couldn't do that in most circumstances now. I don't feel well off enough to be paying higher rate tax.
The cost of living has certainly got a bit out of control, housing is at the centre of it all. Estate agents, landlords, developers and right to buy have caused this problem and it seems like there's no way out.
Crim_penguin@reddit
It’s gone up, for sure, but so has everywhere. However it’s not as straight forward as a yes or no in terms of stress levels. For example, my dink household living in a fairly affordable area of Scotland will feel it less than someone in a higher cost of living area, or with kids even in the same area.
Thats_my_nirnroot@reddit
Things are definitely more expensive.
And while wages have increased, they're generally not unline with inflation.
I think the result is that people are spending less on luxuries, such as yearly holidays abroad, or regularly eating in restaurants, or spending the day at the pub.
I rarely go to the pub for more than 2-3 drinks these days.. And if it's a piss up with mates (very rare) we're more likely to spend a larger part of the evening at someone's house, instead of staying out.
Friendly_Yak_2713@reddit
Wages have increased at a higher rate than inflation so this is just a lie
BrutalOnTheKnees@reddit
Yes it fucking sucks.
Prestigious_Emu6039@reddit
Britian is still one of the best if not the best place to live due to both culture and seasons weather, however you have to be careful with your money to enjoy life.
Once you get in a cycle of debt then you are just chasing problems.
clrthrn@reddit
I have to say I did the sums recently and it makes no sense to move back to the UK. I earn x1.5 my old UK salary but despite paying a hell of lot more tax on it, my disposable income is higher. So no, compared to Germany, France, Belgium or Netherlands, it's not worth moving to the UK.
bunnyswan@reddit
I am personally finding I am very low. In funds, I'm probably earning 6k more a year than I ever have before, but some how I am struggling more than I used to. I used to be able to build up savings and now I'm struggling to pay of a small amount I have on a credit card. I am sure some people are doing . I am struggling.
thedeadenddolls@reddit
My parents have always been relatively lucky with inheritance (they've gotten 20 over the years) but have never earnt more than 50k. Last year they dropped down to 40k and are doing fine. They're in their late 40s and have no mortgage but still have a kid at home and give me 40 pound a week allowance as a uni student. They've never been big spenders but more than comfortable.
Jazzlike_Quiet9941@reddit
No it isn't. We earn minimum wage, have a nice apartment in the city center, live comfortably and are able to save.
It's harder when you are single or have kids.
wandergirl92@reddit
Yes is it ridiculously expensive for everything and a lot of people are really struggling to feed themselves. I also think some people spend way beyond their means on a daily basis.
Haunting_Meeting_178@reddit
To answer your question about a real struggle people don't talk about, if your mental health goes down, you are pretty much doomed. The GPs are absolutely useless and will send you for something ridiculous like 5 or 6 sessions with someone who is trained to nod their head and give you CBT regardless of whether that is the best approach for you or not, and that's if you make it off their wait list in the first place, or have the funds to afford therapy sessions out of your own wallet.
In terms of cost of living, it's not as bad as the rest of Europe. Prices have definitely gone up but if you're smart with your money it's manageable.
Ok_Bumblebee_2196@reddit
It's not realistic to think that GPs can understand the subjective contents inside all their patients' heads. Mental health is so tied up with a holistic overview of someone's entire life that those who are struggling really are better off seeking private therapy with their own means rather than waiting on an interminable list for a few sessions of CBT.
Civil_Impress6967@reddit
The “smart with your money” in question basically meaning if you can live with your parents or skip on paying rent somehow. That’s pretty much the only way a lot of people are getting ahead now
LFCRedAnt@reddit
Yeah being smart with your money tends to be something you can do when starting off. If you've been in a house paying a mortgage for years and all of a sudden everything jumps up it's really hard to be smart with money if you don't have a few hundred pounds of expendable cash each month
cute_bugz@reddit
You can’t budget your way out of poverty or low wages.
C_Ux2@reddit
Just to note you’ll get wildly different answers depending on whether people live in the south vs north.
Cheapest 2 bed flat within 5 miles of where I am in the south is £350,000. Same money buys a 4 bed detached house with a garden in Lincolnshire.
WGSMA@reddit
Outside of housing and energy, life in the UK is very cheap
OkGreen3481@reddit
Where are you coming from?
Where are you wanting to live?
How much capital do you have & how much income do you expect to have?
How manu dependants do you have?
I feel things are ok in a small midlands city as an (only just) higher rate tax payer with 2 children.
I imagine in a higher cost of living city it would be different.
HJuon@reddit (OP)
Thanks for asking 👍
I’m not in the UK right now I’m just trying to understand the real situation from people actually living there before making any decisions.
I don’t have a fixed city in mind yet I’m still comparing how life differs between bigger cities and smaller towns in terms of cost and overall living conditions.
My capital and income expectations are also not final yet, which is why I wanted real-world experiences instead of general assumptions.
Your point about a smaller Midlands city makes sense though. Do you personally feel the quality of life is noticeably better there compared to places like London or other high-cost cities?
ohnobobbins@reddit
You’re going to get quite a skewed view from Reddit, which tends towards negativity about the U.K.
There has been a lifestyle contraction back to what feels more like the 80s which is a bit painful. Most of it due to excessively expensive rent.
One of the reasons rent is so high is due to a housing shortage, and the housing shortage is partly because the population is increasing… because people want to come here. 750k a year due to net migration.
Why would so many people want to come here if it’s so terrible?
Nickabumble@reddit
It’s expensive across the whole of the West. Europe and North America is struggling with cost of living and soaring prices. It’s the reality of 2026. Quality of life comes with a price. Current global-political issues have just shown how easily we can be impacted. Life is getting more expensive everywhere. You just only hear about it locally
JBooogz@reddit
We took life costs for granted pre covid lol I graduated in 2017 and back then it wasn’t as bad lol I feel sorry for grads who are entering the job market or just beginning life in general
Weak-Product6810@reddit
We stopped going to the pub years ago, can’t put a number on it, but it’s about 10.
Our life as it is, is affordable, but it’s quite monotonous and we have to be careful. Weekly shop is in Aldi.
I do think there’s too much cheap junk in shops and online, quality stuff that lasts looks expensive against junk that breaks in a fortnight.
I’m trying to convince the OH to stop buying stuff that’s just cheap but she loves it.
I also feel that I can’t afford not to work overtime, but I don’t really enjoy my job, so that makes the overall experience more stressful IMO.
DiDiPLF@reddit
Try convince her into second hand shopping, car boot sales, ebay, Facebook market place, vinted. You get better stuff for less than the price of cheap imported stuff. Good for recycling too.
niteninja1@reddit
ive not really noticed the “cost of living crisis”. I can pay my mortgage, my bills, eat out, go on holiday and still save.
but tbf:
i bought my flat in 2022 after energy bills had spiked and had previously lived in a house share so the “massive increase in energy prices” was more like “this is how much energy costs”
i fixed my mortgage for 5 years.
i purchased close to work so fuel cots dont really effect me.
reachisown@reddit
This just says that you're so rich you don't notice that everything has gone up around you
NightKitten_@reddit
Você é um cara de sorte. Se livrar de pagar aluguel que subirá mais que o salário a cada ano é um peso saindo das costas
MitchBM15@reddit
Mortgage gone up 300 pm Water up 40 pm Council tax up 13 pm Food bill up 100 pm
Pay rise of 92 pounds
Honestly just feels worse every year. Feels like your constantly fighting to survive. Both of us work which really helps I couldn't imagine doing it on my own.
Realistic_Alps_90@reddit
It’s 2026. It’s hard to live everywhere, not just in the uk.
Electrical_Panda_326@reddit
Unfortunately it is getting worse and worse. Just a couple of examples to compare my situation in 2017 to 2026.
Rent - £620 vs £1000 Car insurance - £700 vs £1100 Food - £50-60 a week vs £110-120 a week Electricity, Council Tax, water etc I can't remember exactly but a lot more.
Regarding my salary the situation is a bit different than many, because I was working as a contractor via my LTD company. After they started pushing IR35 tax changes, all offers currently on the market that are deemed inside IR35, ever when before tax, they are higher than in 2017, after tax would mean that in 2026 I would go back to what I was on in 2017...
TurkishSte@reddit
I was on 11k less at 19 and more comfortable than I am now well into my career. Strange as I wanted the wage I was on now as it was deemed comfortable. Is it fuck
DiDiPLF@reddit
So I have a direct comparison, I'm in my 40's we have 2 above average salaries and investments, one kid, we have a nice life but holidays are the cheaper foreign options and we can't just do what we want with the house and garden. A guy the same grade/job as me, wife was stay at home mum, had a similar house but in a better area, went skiing every year, safari type holidays once a year and 3 kids, superb garden and retired early. We are much poorer than people 10+ years older than us. People 10 or more years younger than us are much poorer than us. It's a problem.
luffyuk@reddit
These will almost certainly fall into one of two buckets
StaceyInBrighton@reddit
It’s still manageable and a good life, for me it’s about adapting to the current climate, deciding what’s important to you and prioritising that financially, I own a business, work my 🍑off and still can’t afford to buy my own flat (yet!), but I’m happy because I choose to focus on the things that England is good for and not the opposite. Things take longer to save for these days, but I feel like it’s a global problem, not an England problem.
HatOfFlavour@reddit
Rents are really high, I know some people who are finding it impossible to get a job and they're applying for anything and everything.
Rent can be mitigated if you can live in a van or a canal boat/narrowboat. These then come with their own issues.
appletinicyclone@reddit
If you are earning Henry wages but living in a non Henry area it can be good. I'm not but it depends on what your earning is
Unusual_Sherbert2671@reddit
Yes, the lifestyle my father had 20 years ago at aged 30, average sincle earner, house wife, 4 kids, 3 bed house, 2 cars on the drive.
No way in hell can you do that in 2026.
IndividualFan7781@reddit
If you are a healthy single or couple with a high income you will be fine.
With kids under 5, childcare is ridiculously expensive. Almost the same as another mortgage in some cases.
If you need health services regularly then NHS will test you. It is an amazing service when it works but the difficulty is to get to a stage where it works for you.
Also taxes are quite high and can feel very demoralising when you receive your pay slip at the end of each month and see how muc has gone out.
If you are coming from abroad then you have visas to consider. That is exorbitantly high. Unless someone is covering it all you have to seriously consider is it worth it. On this same point there is now a drive to reduce immigration and naturalisation and to make it harder. So knowing that as well you have to consider is it worth paying all that money.
Just some points!
gregd303@reddit
And very good points . I'm a Brit with an EU partner living abroad, and the cost to return to the UK with visa for them is upwards of £6k. Plus there's a salary requirement meaning it could force split the family, with me having to return first for 6 months to hit the threshold. How the UK government is totally fine with extorting money from it's citizens and dividing families is abhorrent! And then, when you also see it's pretty hard day to day living once you're there, then it does make you wonder if it's worth it at all?!
wildgoosecass@reddit
Yes. Life is just getting worse and worse. I genuinely don’t know how much more I can take
Miss_Type@reddit
I earn a decent wage, above the average, as does my husband. We have a small mortgage and small payments (at the moment, coming to the end of our fixed rate). We only have one car as he doesn't drive. We can comfortably manage all our bills. We live in the west midlands. We're spending on doing up the house and garden, and also managing to save each month. We do our grocery shopping in Tesco and Lidl. We tend to go to the pub once a week, and we buy more expensive than average clothing, as well as indulging out hobbies by buying lots of art stuff, books, and vinyl. It's rare for us to want to buy something and not be able to.
We are really lucky, and we're not currently experiencing any financial hardship. We haven't been impacted by the cost of living really. Our friends seem to be in mostly the same position. Friends are having work done on their houses, booking multiple holidays a year, going away for the weekend etc.
I'm just trying to give a balanced answer to your question, hope this helps.
Cute-Cat-2351@reddit
Yes it is. Crazy times. Corporations like Tesco are having a ball though. It’s nationalised exploitation.
Wooden_Skin_8544@reddit
Hi. A good question. It is expensive. But…free health care. Decent libraries. Good schools. A welfare state. Loads of government funded adult education and training. Fruit and veg are still cheap. Meat prices have gone up. There are good and bad things everywhere. Social media is a toxic wasteland. On the whole, the UK is great!
Filthy_Oily_Fanny@reddit
I’m worse off now with no mortage than I was in the 90’s when I first got it.
And most improvements you can show me don’t actually have much of a positive effect on my day to day life. More has got worse than better.
Pinecone_Porcupine@reddit
I earned good wages when I lived in London until recently but it never occurred to me have children. Couldn’t fathom having one, as all I could afford for myself was a one bedroom flat. Even with a partner on same sort of wages we probably could afford a two bedroom flat in a dodgy part of London and would have had to get a loan to pay for childcare.
Cold_Timely@reddit
I'm lucky, I live in a cheap area with an above-average wage, so I'm ok. Having said that, I am very much just OK. This would have been a dream salary for me, with a nice house etc 15 years ago, not just living in a slightly run-down house and an old car.
genxerrr@reddit
Depends on the individual circumstances. Some have it tough others do not.
No-Sandwich1511@reddit
I live pretty modestly, I don’t smoke, drink, go out much, or take holidays, and I’m earning more than I ever have working full-time. Still, the cost of living makes even basic things like the weekly shop stressful.
I’m thankful my bills are paid, but there’s barely anything left after that. A few years ago, I had less income but more freedom to enjoy life — eating out, travelling, and treating myself.
So in my experience, yes, life in the UK feels significantly more expensive and more restrictive now.
agathor86_@reddit
Lived here all my life and been working 15 years. Since the pandemic, its been really bad. Prior to the pandemic I was on a great salary but then I was made redundant and it took 2 years to land a role, but I had to take a 10k pay cut.
I have a PhD in chemistry and prior to the pandemic and the collapse of the biotech industry in 2023, I could get a job so easily. Now, there are no jobs in my industry as hiring has collapsed and investment has dried up. If I lose my current job, i won't be able to get a new one any time soon.
In general, the UK has gotten worse over the past 7 years. Rent is up, bills are up, wages stagnated. Im lucky that I own my own home but mortgage rates are also up which squeeze the budget more but its manageable. At least I don't have to worry about eviction... But I do worry about losing the house if I lose my job, which is a real possibility now.
moonfarmer89@reddit
Would that not depend on job, location, lifestyle, family, etc?
I can say that in the last 2 years I’ve had a complete career change which has doubled my salary, has let me offer on a house as a solo buyer in a south-east commuter town, and I’m still able to save a fair amount.
Moop_the_Loop@reddit
I live in the north with my partner and son. We both earn around the national average and have a mortgage which is significantly cheaper thsn renting. We are doing okay. We manage a couple of holidays a year but we have to be careful with money. We don't drink often or get takeaways much.
Serious-Top9613@reddit
I spent £6.90 on three cartons of Goat’s Milk yesterday. £4.50 on a pack of 10 Chicken Goujons too, alongside £2.25 for just a pack of 8 wafer biscuits. And they’re barely essentials. My dad also pays for my car insurance because I just can’t afford it (even with a job), but need a car for reliable transportation as employers like to say. And I have 2 master’s degrees, so it’s not like I didn’t try. I plan and budget everything, because I can’t after not to.
NoCold3997@reddit
Lifes what you make it.🤷
MrListaDaSistaFista@reddit
Moved from New Zealand to North London over two years ago. Absolutely love it. Groceries here are a good 50-60% cheaper than home. But rent and trains out of zone pretty exorbitant. Really loving the experience though.
butt3rflycaught@reddit
I don’t know but it feels like it’s getting more expensive. I was in hospital for months last year and when I got out, I couldn’t believe the increase in price in some things and shrinkflation. It felt really noticeable. Even the chocolate bars are smaller since I got out of hospital. It was weird!
Cedar_Wood_State@reddit
It depends largely on your ‘hobbies’/lifestyle. If your hobbies are going to park, running, hiking and various other ‘free’ activities and you cook your own food all the time, you are fine. But if you like to meet up with friends for activities, go to restaurants etc. then it can get quite expensive very quickly. And obviously very different if you have kids or not, and how much you are trying to save
Fuzzy_Albatross_8121@reddit
If I tighten my belt much more it will meet in the middle. Single parent of multiple kids and I've had to completely stop the occasional extras like cinema trips and eating out and new clothes and shoes are out of the question so I shop on Vinted. I can't afford to fix things around the house that have gone wrong and the cost of my food shop has gone up enormously. If I had a big bill unexpectedly I'm not sure what I would do.
bars_and_plates@reddit
The primary issue, as to be honest is true almost everywhere now, is asset prices in relation to wages.
If you own your home and have a cheap car then life is remarkably easy.
It's getting to that point that is hard. Particularly if you are determined to live somewhere near London and don't choose a well paying field.
Careless-Giraffe-623@reddit
It's expensive..if single you'll need to be earing £40k or more in the north, or more like £60k in the south to be reasonably comfortable and not living in a grotty flat or HMO.
SA1996@reddit
A lot of it is anecdotal nonsense, and based off reading negative news on social media.
EmuSea4963@reddit
As others have said, I earn much more than I ever did before and feel worse off than I ever have since the start of my professional career.
As I understand it, much of the world is the same right now. I don't feel the UK is particularly bad.
ouverture8@reddit
Yes but unlike the rest of especially NW Europe, the government does not soften the blow much for the average person. With the exception of the NHS you pay full price out of your own pocket for nearly everything, and if you lose your job you better have savings. In other countries the government subsidises more aspects of society and provides a social security buffer even when you're not poor.
EmuSea4963@reddit
I don't know much about this so don't feel qualified to comment. Good take though. I wonder if this comes at the cost of e.g. higher income tax or anything of the sort? I do agree that public services here are pretty dire (aside from the NHS, which I've always found to be an absolute god-send honestly). Transport - terrible. Police - terrible. Financial help for anyone that truly needs it - presumably also terrible.
HJuon@reddit (OP)
That actually makes sense and I’ve heard similar views from others as well. It’s interesting that even with higher income people still feel worse off overall I guess that shows how much cost of living and general expenses have increased.
From your experience, what do you think is the biggest factor affecting that feeling? Is it housing, taxes or just everyday costs adding up? I’m trying to understand whether it’s mainly a UK-wide issue or just something people are feeling globally right now.
EmuSea4963@reddit
Everyday costs. Everything is just far more expensive than it used to be. I would say most noticeable are luxury items/services - takeaways, eating out, drinking out, new clothes etc. All these things personally I feel like I've had to cut back on or cut out altogether, which makes you feel less well-off. Seems to be a common theme among people I speak to.
Example - went to buy a new pair of shorts the other day from a mid-range clothing shop. £32 for a basic pair of shorts. I remember buying them from the same shop a couple of years ago for around £20. I decided that the above price was ludicrous and jumped on Vinted and found a pair for a fiver.
Final-Accident-3@reddit
for me yes, as a young person i get less out of this country than i ever have and im on an above average wage for my age group.
sure, you could argue it’s the same for a lot of the world, but watching things get harder year on year doesn’t give me much hope for the near future at all.
CharacterEye3775@reddit
The cost of living is high, typical wages are low and there's a lot of homelessness and unemployment.
_Nefarium@reddit
From a students perspective, personally I'm reasonably comfortable although things are getting more expensive and I'm starting to have to cut back on my savings contributions. I'm lucky to have a decent part time job, relatively low rent, and reasonably high maintenance loan.
Then again I've always saved money, my hobbies cost me very little and I don't go out in town or spend much outside my basic needs for healthy but basic food. My biggest expense which isn't entirely necessary is a car, but then again without it I wouldn't have the job I do.
I'm comfortable but I've been lucky. Of my friends (also students) those who are struggling most are actually those from more well off backgrounds who don't get the full maintenance loan and those who haven't got prior savings from working.
Long story short, yes things are getting more expensive. I'm alright for now but I know others are struggling and it's now quite difficult to afford uni off the loan alone, without prior savings or a job it's tough, and getting a part time job is nie impossible.
p14gu3@reddit
Depends on your idea of a normal job, where you live, and quality of life expectations.
It's bad, generally.
A particular struggle for me is i can just about afford my life but I have to choose between saving and travelling (seeing my family). I've cut out the majority of my hobbies, don't eat out, live in the cheapest place that maintains my minimum qol. My job is fine but... in london.
CharmingSwing1366@reddit
it’s sort of both
cost of living is pretty high esp atm, between rent and house prices (i live fairly close to london and housing is crazy high), fuel, transport, food shop, god forbid you wanna have a social life lol
but there are definitely good things living in the uk, even with things like the nhs having long waits, transport being expensive - it’s still a lot better than no public healthcare or poor transport
i only have experience living where i live, moving out alone if u are funding it all yourself is hard - only ppl ik who’ve moved have either moved with a partner or friend, have a house share or had some sort of family support or inheritance, or waited until they’ve advanced enough in their career
JournalistOptimal661@reddit
If you are solely responsible for paying bills, grocery and winter energy prices are awful.
ResplendentBear@reddit
All the stuff about Sharia law/Islam taking over, skyrocketing crime and the rest is just propaganda.
The cost of living has increased massively, but try and find a developed country where it hasn't.
BrowsingnDaydreaming@reddit
people with a higher salary are going to find it easy if you plan, people who have less money will struggle. it also depends on things eg which mortgage you have, unemployment right now is awful for most young people. but cost of living has definitely gone up, it just depends on what buffer you have against it
clemventure@reddit
Weekly food shop
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