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Help me run these numbers - largest family

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Right, so I can't understand how this family works out budget wise. 

The Radfords - Britain's largest family.


He's a baker. She stays at home (obviously). 



Their new arrival will join Chris, who has just turned 29, Sophie, 24, Chloe, 22, Jack, 21, Daniel, 19, Luke, 17, Millie, 16, Katie, 15, James, 14, Ellie, 13 Aimee, 12, Josh, ten, Max, nine, Tillie, eight, Oscar, six, Casper, five, Hallie, nearly three, Phoebe, 22 months, and Archie, eight months.

The couple, who have three grandchildren, get £170 a week child benefit and their weekly food shop is about £300


So 15 under 18 and 5 over 18. 

I suppose what I'm asking is HOW THE HECK DOES A BAKER PAY FOR THIS??

They own https://www.radfordspiecompany.co.uk/ 

Noel Radford created a new company this year. https://beta.companieshouse.gov.uk/company/11772798 but has nothing listed for previous directorships so I can't see what's what financially. 



Noel earns just under £50,000 per year from his pie company




They became grandparents when their daughter Sophie gave birth and she has gone on to have three children. 

The family live in a large £240,000 Victorian house, a former care home, that they bought 13 years ago and they pride themselves on having no credit cards or finance agreements. They also enjoy a holiday abroad every year. 

They spend £300 a week on food shopping, with 18 pints of milk, three litres of juice and three boxes of cereal being consumed every day.

When it comes to celebrating their children's birthdays they have a budget of £100 for presents, while at Christmas they set aside between £100 to £250.





The family do nine loads of washing a day, get through 30 bottles of washing liquid every month and use four toilet rolls a day.

Alright so £50k plus £170pw = £58840 (I've never received UK benefits, are they taxed?)

Food £300pw = £15600

Presents = £2100

Christmas, is that the whole budget or per head? 

Holiday abroad = ?

Council tax £206 = 2472

Fuel for the school bus?

Clothes - obviously hand me downs but there's got to be people giving them free stuff as well

Haircuts - probably done by a friend

What else do kids need - school trips, books?

Mortgage - probably paid it off

What am I missing?




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OK so looks as if the house is https://www.zoopla.co.uk/property/7-south-road/morecambe/la4-5ra/12565037

240k sold in 2004 when average mortgage rate was 4.75%

say 40k deposit (who knows) and got a 4% deal but has refinanced over the years. Maybe 1k a month at the start, maybe 500 a month now. 6k a year

Gas/elec £120pm = 1440

Water 60 = 720

Car insurance

Car tax 

House insurance




Now I'm not sure if the salary figure is net or gross. but say it's net. Even deducting all these things, they can easily manage. It seems impossible but it's not at all. Everyone could have 21 children.

I do reckon they're eating all the stale pies though. :D

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  • 293 Brexit, House prices and Summer 2020

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      • down 5% +
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