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To ask what your luxuries and disposable income is ?

(188 Posts)
Spice22 Thu 13-Oct-16 13:36:19

Ok I admit it ,
I'm feeling bored/nosey and have entered a dream state (you know, where u start daydreaming of something you don't have). Thought it would be more fun to read other's treats aswell, and others may enjoy the thread too.

So, just wondering what everyone loves buying themselves that they think is a luxury, and if you don't mind saying, what is your disposable income ?

I'll start
Disposable income - £400 (part time job for a student with debt, so is any of it really disposable ? confused )
Luxury treat - High end makeup and Moroccan Argan oil. Haha not the best extravagance but dream of treating myself to some bags wink

FlyingElbows Thu 13-Oct-16 13:40:57

Horses. Disposable income is zero, just like everyone else who buys horses! 😁

AllegraAlmond Thu 13-Oct-16 13:43:49

disposable income £500
expensive make up and skin care, dining out, beauty treatments. Its expensive being vain :D

ThirdTurd Thu 13-Oct-16 13:46:09

Luxuries- Luxury bath stuff for myself, expensive house renovation for us (pan drawers rather than cupboards in the kitchen, William Morris wallpaper)

Disposable income- £3,000 per month as a household

pinkcardi Thu 13-Oct-16 13:48:02

Disposable income is £1k plus. Luxuries include nice perfume, certain food items, fairly regular manicures, buying clothes for me and for my dc.

EatsShitAndLeaves Thu 13-Oct-16 13:48:22


- high end make up and skincare
- expensive foodie items I think "oh that looks nice" that I then don't use and throw out 2 years later.
- gadgets (phones/Dyson hairdryers etc
- Hermes Scarfs

Disposable income - around £4K but at least half goes into savings.

RaptorInaPorkPieHat Thu 13-Oct-16 13:51:37

Luxury - Takeaway once a month (normally ASAP after payday)

Disposable income - £1k ish

We're tight savers generally

GinIsIn Thu 13-Oct-16 13:51:42

Not sure what our disposable income is now - new mortgage and a baby on the way so we are still finding out feet finances-wise. I love good make up, and coffees. DH likes a proper lunch with his workmates each day. Beyond that we are trying to cut right down on spends!

JustCallMeKate Thu 13-Oct-16 13:55:18

Luxuries - horses, saddles/bridles/rugs/ make up, skincare products, we eat out a lot at naice restaurants, my cars and our holidays. Disposable income - enough.

Spice22 Thu 13-Oct-16 13:55:42

"Its expensive to be vain" - I love that !

I was clearly dreaming too small, loving this. Must say I save most of mine (want to go on a big holiday when I finally finish this year) so really only spend £100 a month

Grumpyoldblonde Thu 13-Oct-16 14:06:38

Nothing really disposable at the moment but that will (fingers) crossed change very soon.
My luxuries are good pillows, towels and sheets which I know sounds terribly boring but we al spend a lot of time in bed and the bliss of a big snuggly towel after a bath or shower is not be underestimated. That and nice cheese to pick on while I enjoy my wine in front of a good film at the weekend. I like clothes but hate shopping.
Oh, good quality leather boots, yes, but normally picked up in the spring sales to wear the following year.

Verytee Thu 13-Oct-16 14:13:00

I spend a lot of time on Net a Porter buying designer clothes that I usually wear to work. Oddly, enough I don't think I look particularly great. I have no style but I do like quality. In the past, I spent a lot on botox and fillers which I've stopped now because it was making my face look awful.

Disposable income is around 8000 per month. Grew up on a council estate, went to Uni and worked for 20 years. No kids.

Henrysmycat Thu 13-Oct-16 14:15:34

As we have joint accounts, there's meant to be quite a lot disposable. But we saving most of it. We are not deprived of anything including of some great 5 star holiday somewhere. and every August we have a massive blowout with that month's savings. Dinners at 3 Michelin star restaurants, a Chanel bag, Hermes bits, fancy jewellery.
At my age, cough I don't think makeup and decent skincare is luxury even thought, I'm pretty good on my skin's needs and many times I buy ingredient and do my own creams and serums. Same with hair.

BreatheDeep Thu 13-Oct-16 14:21:28

What is your definition of disposable income? Income after rent/mortgage each month or after bills, food etc too?

RattieOfCatan Thu 13-Oct-16 14:23:14

DH and I get £75 each a month for spending, everything else is joint and accounted for (though £400 a month goes into savings at the moment). Mine goes on yarn and knit/crochet related paraphernalia usually, unless I'm saving for something a bit bigger. Though last month I spent a lot on things to pamper with like nice face masks and foot scrubs and things like that. DH's usually goes on gaming but he's saving for a new PC at the moment.

Diddlydokey Thu 13-Oct-16 14:28:41

As a house we have £1000 as non essential. It goes on days and meals out mostly. Some clothes. Presents. I am cheap on hair and Make up - £15 a month I'd guess.

TeamSteady Thu 13-Oct-16 14:28:54

The horse.... no disposable income left after that!! He swallows approx £500pcm

BarbaraofSeville Thu 13-Oct-16 14:29:11

Of course makeup and skincare is a luxury. It's totally unnecessary and can only be justified if the basics are covered.

I don't know what our disposable income is, probably about £1-£1.5k a month but that is to cover everything above our essential bills, food and travel to work.

I would count meals out, days out, coffees and lunches out of the house, hobbies, holidays, technology and anything that is more than a basic cheap version as a luxury so packed lunch or leftovers is standard, bought lunch is luxury, basic supermarket toiletries are standard, if you want expensive designer, that is a luxury etc.

Most of our excess goes on holidays and hobbies - we go abroad at least 3 times a year to do the hobby, which also requires expensive equipment, and have a couple of UK breaks too.

We can only afford this because we don't spend loads on things like personal grooming, or food out of the house - this is a once a week treat not an everyday occurence - if we spent the same as some on this, it would start to impact the holidays we could afford and I don't think unlimited Costa and Pret is worth sacrificing holidays for.

SuperFlyHigh Thu 13-Oct-16 14:30:40

disposable income - prob £600-800 a month.

right now it's socialising, clothes etc but I also try to save some of it.

maggiethemagpie Thu 13-Oct-16 14:32:36

I give myself £100 to spend on payday on whatever I want, then £60 a week 'pocket money' (doesn't include food apart from takeaway/cafes).

I try and make a bit on ebay too, say around £100 / month

So maybe £500 tops to spend on 'stuff I want' (includes treats for DC too)

JellyBelli Thu 13-Oct-16 14:34:34

I have no disposable income. Every penny is accounted for. I'm disabled and a liability to employ.

Spice22 Thu 13-Oct-16 14:34:40

Breathe my definition is income AFTER rent,bills,fuel,food, insurance etc. Basically spare money u can burn if you were that way inclined.

wowwee123 Thu 13-Oct-16 14:39:03

i give myself about 30 - 50 a week which goes on dinners at work, drink at the weekend andntop up bits of shopping.

i dont really hae any luxuries at the moment.

dp has just had a payrise tho so i hope he can treat me occasionally to some clothes or nails or hair.

BadLad Thu 13-Oct-16 14:41:51

About 6k per month between us, although my contribution varies. We invest most of it, but treat ourselves to nice wine and hotel stays.

HairsprayBabe Thu 13-Oct-16 14:43:05

I am probably bordering on a shopping problem, luxuries are thick and fast in my house blush holidays, eating out, shopping in general, candles, manicures, hair, drinking/partying (no kids). Champagne lifestyle Cava budget!

Total disposable joint household income £1800 but we save £1000 - standing order so I cannot physically spend it.

No debt other than student loan and we rent.

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