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to ask what net salary would you consider to be cozy/nice for a couple without children?

(23 Posts)
TitaBeyonce Thu 19-Jan-17 05:22:05

Renting, no house. No need for car as located in the city. This means no investments too.

witwootoodleoo Thu 19-Jan-17 05:23:34

Depends where you live and therefore how much your rent is?

TitaBeyonce Thu 19-Jan-17 05:29:00

I live in a capital city (Melbourne, AU). Rent is £1000 per month.

Manumission Thu 19-Jan-17 05:34:49

I'm not sure i understand cosy/nice.

Cosy to me sounds like a couple of steps down from nice.

TitaBeyonce Thu 19-Jan-17 05:39:13

I meant comfortable. A good life, if you will. Not constantly worrying about money.

steff13 Thu 19-Jan-17 05:40:32

I think it depends on your definitions of cozy and nice. For me, that's a weird way to use cozy, but I agree with Manumission, cozy sounds like it's a bit less than nice.

For me, cozy would be making ends meet without a lot extra, whereas nice is making ends meet + extras like nicer cars, vacations, etc. What does it mean to you, OP?

steff13 Thu 19-Jan-17 05:42:17

Whoops, x-post.

It really depends on all of your expenses, doesn't it? Whatever your outgoings are every month, multiply that by 12, then add a bit of a buffer and there you have it.

TitaBeyonce Thu 19-Jan-17 05:49:46

cosy
ˈkəʊzi/Submit
adjective
adjective: cozy
1.
giving a feeling of comfort, warmth, and relaxation.
"the flickering lamp gave the room a cosy lived-in air"
synonyms:snug, comfortable, warm, restful, homelike, homey, homely, cheerful, welcoming, pleasant, agreeable; More

verbinformal
verb: cozy
1.
make (someone) feel comfortable or complacent.
"she cosied him and made out she found him irresistible"

AyeAmarok Thu 19-Jan-17 05:49:54

Combined after tax pay of about £4k+, I'd say. Enough to save for a few good holidays a year and lots of going out for dinner.

TitaBeyonce Thu 19-Jan-17 05:54:34

Actually to clarify what I meant was, if you're in a similar situation, what net salary would you consider to be nice?

Manumission Thu 19-Jan-17 05:57:02

Oh dear you're a bit arses aren't you? grin

<abandons envelope and pencil>

MinnowAndTheBear Thu 19-Jan-17 05:58:24

The cost of living in Australia is higher than the U.K., so it is difficult to say.
Enough for at least one holiday a year, and to start a reasonable savings pot.

Mistigri Thu 19-Jan-17 06:00:14

Depends where you live, surely? Where I live now, £2k a month would be comfortable for a couple with no kids. OTOH, these days £2k a month would barely pay the rent on the London flat we used to live in. (Grotty area in zone 3).

OnionKnight Thu 19-Jan-17 06:04:56

Our combined salary is £35K but we have very low rent, no car and not a lot of outgoings like gym membership etc. We are very, very comfortable, more so than with friends who have children.

NorfolkingTime Thu 19-Jan-17 06:14:05

It depends on your lifestyle really. We have a net income of about 28k as I don't work, but we have very low living costs which will be almost zero by next year, and because I'm home, I cook cheaply, decorate myself etc etc. If I was at work, we would probably hire a cleaner, eat more expensive but convenient meals, that kind of thing.

We also don't really holiday much. DP is a farmer so it's very hard to plan, and we have a holiday house in the U.K. which we can use. Our lifestyle wouldn't suit some, as they'd probably feel like they had no money, but it suits us really well. I don't feel like we're constantly skrimping.

cheeseandcrackers Thu 19-Jan-17 06:20:29

I would really want to be on at least 50K joint income to be very comfortable and relaxed with that rent.

Patienceisvirtuous Thu 19-Jan-17 06:22:12

We have a combined salary of £70k, NE England. We have a nice three bed semi, share a car, eat well and can afford to eat out once a week, have two pets, decent clothes and have a couple of hols a year.

It doesn't go really far but affords a lovely life.

So, maybe 50k combined and anything above is luxury. You could still lead a decent life on 40k combined though if careful.

Creampastry Thu 19-Jan-17 06:27:01

So many variables means you won't get a proper answer. Cosy to one person could mean having long haul holiday, it might mean Blackpool to you.

daisychain01 Thu 19-Jan-17 06:27:45

Nett salary, after deductions, I'd say £2,500 per month means you've paid your £1000 rent and have cash for food (beyond bare essentials eg you want to have cozy nights in with good food), bills and maybe a couple of cinema trips, public transport travel cost.

Handbag101 Thu 19-Jan-17 07:17:12

No children here. Combined income of £130k. In our mid 40s. No mortgage. Loads of holidays - first class travel when we fly - nice cars - no finance/loans on anything - no money worries at all. We are still super careful and sensible though. I shop in Lidl and get a few bargains from the charity shop. We both work bloody hard though.

heron98 Thu 19-Jan-17 07:21:55

Our combined salary is about 35k.

I feel quite comfortably off. We have an old car we don't use much and manage about 3 holidays abroad every year, plus one weekend away a month (although these are never very lavish, usually staying in hostels).

We also eat all our meals out most weekends.

Bluntness100 Thu 19-Jan-17 07:22:57

Do you want to save and buy a house? Then you need to take into account how much you need to save each month to be able to buy in your timeline, then add your outgoings and add extra for things like holidays, clothes, nights out etc and that's your answer.

Mari50 Thu 19-Jan-17 07:41:29

A couple I know who live in Melbourne earn about $250000 dollars gross, they are comfortable. They are saving to buy a house though and their rent is $4k a month. It all depends on your definition of comfy.
My ex and I lived in a city in uk, renting and with no kids, we were earning about £90k between us at that point, weirdly it didn't feel that comfy, we ate out a lot but the flat we rented was shit and we didn't go on expensive holidays although we did go 3x a year. . .and we weren't saving.

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