18 months ago:
Wife and I on double income
No kids
Fixed rate mortgage
£100 a month energy bills
Now:
I work
We have young twins
Wife doesn’t work
Childcare costs (x 2)
Fixed rate mortgage deal ending soon
Energy Bills +£500/month in October at an estimate
We live in a nice house. We earned and worked for it. Our outgoings are greater than our earnings. The only option we realistically see is to sell our house and downsize significantly. There is no help for people like us.