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amother




OP
 

Post Mon, Jul 26 2021, 8:42 am
In America expenses are much higher especially rent so I was wondering for the people in the UK
What is the average income vs expenses in Manchester UK please specify job and size of family
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amother




Azalea
 

Post Mon, Jul 26 2021, 9:46 am
I responded on the previous thread. 2 kids in primary school.

Tell us about yourself.
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English3




 
 
 
 

Post Mon, Jul 26 2021, 9:57 am
We get paid less, on average an employed man gets 500 pounds a week. A woman average pay is 10 pounds an hour most make max 200 a week. If you own a business it's different.
Benefits
You get rent from government but does not pay the full amount. I pay 100 pounds a week.
Child benefit for only two children every week not sure how much but I think it's around 200.
Child care for up to two children 300 pounds, this gets divided by all kids if schools are nice.
Maternity pay up to nine months
Expenses.
Tuition
Gas and electric
Groceries
School buses
Phone bills
Etc
It's very tight here unless you own a business or do extra stuff such as real estate.
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amother




Dill
 

Post Mon, Jul 26 2021, 10:04 am
I moved to London from the US, salaries are low and expenses are very high (rent, food, clothes ect). I don’t know how people make it.
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amother




Raspberry
 

Post Mon, Jul 26 2021, 10:07 am
Ok, we are not on benefits, family of 2 adults 2 kids. We just moved so I dont know exact numbers
Dh makes 2000 a month and I earn 14 an hour but only working part time

Rent 750
Nursery, we get some type of grant for 3 year olds so I think I'll be paying about 10 pounds a week
One child in creche - free
Car expenses
Food
Clothing
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amother




OP
 

Post Mon, Jul 26 2021, 2:07 pm
Do people make enough to pay expenses and put money away into savings??
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Elfrida




 
 
 
 

Post Mon, Jul 26 2021, 2:39 pm
amother [ OP ] wrote:
Do people make enough to pay expenses and put money away into savings??


I left England more than twenty years ago, but when I grew up there my parents certainly did, as did all of our friends. My father was self employed. When I was about twelve, my mother started working part time.
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mum22




 
 
 
 

Post Mon, Jul 26 2021, 3:03 pm
Elfrida wrote:
I left England more than twenty years ago, but when I grew up there my parents certainly did, as did all of our friends. My father was self employed. When I was about twelve, my mother started working part time.


It has changed enormously since you left.

In London… we both work full time and are saving.
We live very carefully so we can put money away. A mortgage will be cheaper than all the rent we pay.
So we hope to buy very soon, despite the shocking prices.
It’s a crying shame to waste all that money lining someone else’s pocket.

It used to be manageable, my parents friends all were financially secure and stable.
It is now much much harder to achieve basic success.
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amother




Currant
 

Post Mon, Jul 26 2021, 3:04 pm
English3 wrote:
We get paid less, on average an employed man gets 500 pounds a week. A woman average pay is 10 pounds an hour most make max 200 a week. If you own a business it's different.
Benefits
You get rent from government but does not pay the full amount. I pay 100 pounds a week.
Child benefit for only two children every week not sure how much but I think it's around 200.
Child care for up to two children 300 pounds, this gets divided by all kids if schools are nice.
Maternity pay up to nine months
Expenses.
Tuition
Gas and electric
Groceries
School buses
Phone bills
Etc
It's very tight here unless you own a business or do extra stuff such as real estate.


For the wages you quoted, they wouldn't be eligible for the benefits.
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amother




Currant
 

Post Mon, Jul 26 2021, 3:07 pm
mum22 wrote:
It has changed enormously since you left.

In London… we both work full time and are saving.
We live very carefully so we can put money away. A mortgage will be cheaper than all the rent we pay.
So we hope to buy very soon, despite the shocking prices.
It’s a crying shame to waste all that money lining someone else’s pocket.

It used to be manageable, my parents friends all were financially secure and stable.
It is now much much harder to achieve basic success.


That's because of the skyrocketing housing prices in London. In Manchester it's easier in that sense.
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amother




Lightgreen
 

Post Mon, Jul 26 2021, 3:38 pm
amother [ OP ] wrote:
Do people make enough to pay expenses and put money away into savings??


We do manage to save a bit each month because we both work and we are very very careful. We never eat out or get takeaways. Mostly buy supermarket own brand products. Asda/Tesco/primark clothes for kids. I only buy clothes for myself on sale. Haven’t had a new sheitel in years. DH never buys new clothes. Haven’t been abroad for years. Etc.
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amother




Azalea
 

Post Mon, Jul 26 2021, 3:44 pm
amother [ Raspberry ] wrote:
Ok, we are not on benefits, family of 2 adults 2 kids. We just moved so I dont know exact numbers
Dh makes 2000 a month and I earn 14 an hour but only working part time

Rent 750
Nursery, we get some type of grant for 3 year olds so I think I'll be paying about 10 pounds a week
One child in creche - free
Car expenses
Food
Clothing


What field do you work in, and what qualifications?
How many years did you work until you were paid £14?
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amother




Raspberry
 

Post Mon, Jul 26 2021, 4:50 pm
14 pounds is the starting rate for a first time high school teacher.
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amother




Dill
 

Post Mon, Jul 26 2021, 5:01 pm
amother [ Azalea ] wrote:
What field do you work in, and what qualifications?
How many years did you work until you were paid £14?


I’m sorry £14 is a joke. I just don’t understand it Sad how are people supposed to live??? In the US I was paid $23/hr (£16) one of my first jobs and that was considered little.

DH gets paid 15 now. We’re opening up our own businesses because it’s just not manageable.
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amother




Azure
 

Post Mon, Jul 26 2021, 5:05 pm
amother [ Raspberry ] wrote:
14 pounds is the starting rate for a first time high school teacher.


I know many high school teachers who would be delighted with this wage.

Most get a considerable lower amount.

They deserve better.
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amother




Calendula
 

Post Mon, Jul 26 2021, 5:09 pm
amother [ Dill ] wrote:
I’m sorry £14 of a a joke. I just don’t understand it Sad hours are people supposed to live??? In the US I was paid $23/hr (£16) one of my first jobs and that was considered little.

DH gets paid 15 now. We’re opening up our own businesses because it’s just not manageable.


For many women £14 is quite a high wage. Many women work in schools and this is a typical wage for a teacher. Remember, a lot of our expenses are not as high. Granted London is more expensive.
Renting a 3 bedroom house at the moment will be around £800+ a month.
Utilities-around £300 a month
Bills-around £500 a month
Tuition is maybe £5000 a year, cheaper in some state aided schools and slightly more in some of the private schools.

£14 a hour gives around £1200 a month on a part time wage. Add child benefit and tax credits/universal credit and that will probably give the same again. Don't forget the husband will usually also be earning as well.


ETA most teachers I know are earning more like £10-13 an hour rather than 14, but many places will offer subsidized childcare which makes a big difference. Childcare costs on average £130 a week otherwise.
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amother




Raspberry
 

Post Mon, Jul 26 2021, 6:00 pm
Salaries are much higher in the US. Dh works in programming, here he makes 28k/year, in US it's more like 100k/year.
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amother




Springgreen
 

Post Mon, Jul 26 2021, 6:05 pm
How much do houses in manchester go for? I think they are a lot more affordable to buy than in London or NY.

There are definitely people in manchester with decent professional jobs as well.

Also, don't forget no one in the UK needs health insurance. My dd in NY earns good money as a computer programmer but has to spend ridiculous amounts on health insurance that will only cover her for catastrophes. And she could rent almost a whole house in manchester with what she is paying for a share of a basement apartment in Brooklyn.
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amother




Raspberry
 

Post Mon, Jul 26 2021, 6:12 pm
I think houses in manc are in the 300k -500k range. (Someone correct me if I'm wrong) london homes are for closer to a million (!!!) And gateshead prices range in 100k-300k (depends if you buy from a jew or non jew)
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amother




OP
 

Post Mon, Jul 26 2021, 6:24 pm
Yes that's. Correct for house price.

Anyone here who managed to buy a house themselves without getting help for the down payment??
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