�20k is nowhere near the national average wage, which is around �24k. Monthly take home pay on �19k would be around �1,100: Typical rent/mortgage �450 Council tax �100 Household insurance �30 Gas/electric bills �100 Water rates/tv licence/internet �50 Food �300 Vehicle road tax/insurance/mot/maintenance �70 Petrol �50 Total �1150
Then there are all the other things that are necessary with a family such as clothes/school uniform/school meals/family outings and holidays/household items/dental & medical costs/plus probably many things I've overlooked.
Karting is beyond the reach of somebody with family responsibilities on �20k. It can only be done by spending the child benefit and tax credits on it, which in the long run is not sensible, otherwise when the car or the washing machine/tv etc needs replacing you're in trouble.
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