How much disposable income do you have

After all bills, including kids hobbies, we have £75 left.

After bills/food budget etc I have £850-900 ish. A third goes straight into savings and mortgage overpayment is already included in bills. so I tend to have £600 ish disposable. Just two of us separate finances. No kids.

Most months a chunk of that disposable is also saved at the end of the month. We have work/decor to do on our house and like a trip or two away. I don’t buy much stuff really and use Vinted much more than shops now.

About £1000 that is after all bills (including food shopping) and money into savings. But it is just me and my daughter in our household so food bills are not a lot. We live in a flat as I decided that I would rather have more cash and a smaller mortgage. Childcare is around £160 a month for school club as no longer paying nursery fees. Have modest holidays a couple of times a year. The 1k goes on goodness knows what, it sounds like a lot and I’ll be honest that I just buy things (I never think if I can afford it and I don’t think twice about eating out or going for a day trip). I should really keep better track as I don’t have expensive taste and it really just gets frittered away with £30 here, £20 there, but it soon adds up when you just spend mindlessly on lots of small things. I feel a bit guilty seeing it written down and actually thinking that there’s a lot left over but I don’t track properly how I spend it.

We have £3300 per month disposable

In reality - we save the lot

We go on one luxury (expensive) family holiday per year and one week long "cheap break" in September

My children want for nothing

I appreciate we are very fortunate and have six figures in savings

Personally it’s around £500. Household wise I reckon it’s about a grand a month on top of that. £500 goes into overpaying the mortgage abd the rest savings.

I’m a single parent of 2 x teens, high rent area and I pay a few hundred a month for dog Walker, cleaner. I have around £1000 next after those paid. Decent but I want to buy in the South East and feel quite poor I can’t afford much. Up north I’d be quite well off

What was the amount before the COL?

£300 a month after necessities sounds good to me. It's enough for outings or to save for holidays.
I'm a single mother of one and I don't count how much I have going in and out but I'd guess about £200 a month. Most of my extra spending is train fares and trips to the seaside.

Personally I have around £650 or so. I try and save £300 and the rest goes on clothes, eating out etc. DH has a similar amount. We're comfortable with that.

Disposable? Zero.

About £2k after bills, food and petrol but not including yearly stuff like Christmas and holidays. No idea where the fuck it goes tbh.

Around £2500 at the moment, after bills and putting a set amount into savings, because we have 2 in nursery and only one is eligible for 30 funded hours so that costs quite a bit! It doesn't all get spent though, usually just put extra into savings.

Now DC are adults and financially independent, I have approx 1200 p/m after all housing costs, bills and food. I try and save 1k p/m (doesn't always happen) but then those savings are for things like holidays, home improvements etc so I build up a fair bit but then it gets spent.

At one point in my life I was a single mum on benefits, I think I only got something like 600 p/m for everything! (although did get HB and CT benefits then) so I feel lucky now that I actually have disposable income. But I think it did make me frugal in some senses in that I don't really fritter money away day to day.

I have more disposable income than the average person earns in a month.

life was very different when I was younger and just starting out.

I have £1000 per month just to spend on myself. It’s not for any bills, I spend it on going out with my friends, clothes, haircuts, any treatments I have and I normally do a solo trip each year for around four days abroad.
I am very happy with this and as a go on away on holiday a lot I have one week per four/five/six weeks where I don’t spend anything.

Well I feel poor af!

About 3K

About 2k after everything

Once all bills, food, children related expenses, travel costs and money put into savings (for Xmas etc), I theoretically have around £120 a month for myself. I feel really fortunate to have this much as we've been in the just breaking even and accruing lots of debt position in the past. I'm not sure how much DH has leftover but I would guess around a similar amount or a bit more.

We are slowly paying back debt (no interest as it went to debt collection as I totally buried my head in the sand with the stress of it all) my credit rating is in shambles, slowly trying to rebuild this.

Our rent is ridiculous but unfortunately we can't get anything cheaper due to our poor credit ratings and tbh there's so much competition we are unlikely to really save much money after moving costs and then travel costs after moving. Despite the fact I hate living where we are, it's a perfect location for our children and current jobs in terms of travelling.

After all bills & food is paid I have between £300-£500 left, no kids. Depends on overtime for the month. This month I just had £540 left but next month I'll have £320. My DF has around the same sometimes less. Both in min wage jobs with a lot of debt we are trying to pay off atm.

Lots (£2k, £3k, more?) but it just goes into savings, we don't see it as 'disposable' iyswim. We do spend quite freely on a day to day basis but we're not big spenders and don't covet luxury goods or holidays so it would be hard to spend it.

We do have an expensive hobby which is more of a lifestyle thing and will spend on whatever the dc want but they rarely want anything either.

DC are highly SN and may never be independent, so as far as we're concerned we can never have enough savings.

Hmm I'm overdrawn each month atm so in the minus 😂 sometimes just about break even. Lots of overtime haha just all our bills have gone up and rent.. wages have not 😅

About £900 between me and DH. Half of that goes to savings, it just depends if something extra needs paying that month.

None! My basic rate of pay doesn’t even cover my outgoings anymore, my rent is at least half of my wage if not more and I’m paying below market value, I need at least 6 overtime shifts a month to break even. Last month I couldn’t get any overtime, this month is the same and next month I’ve only managed to secure 4 extra shifts so I’m currently accruing credit card debt to survive, having 8 weeks of school holidays does not help either (single parent, ds dad not in the picture and I get no maintenence).

On the months I do well for overtime I can come out with anything from £50 - £300 disposable income but you can pretty much guarantee as soon as I accrue more than £500 in savings something will bloody well happen to wipe me straight back out.

I’d settle for just earning enough to cover all of my out goings without having to do overtime. And before anyone says anything, based on the few good months I get a year I’m deemed to earn too much to qualify for help and I’m on above national minimum wage and higher than average wage for the field I work in. I’ve been looking for a new job but almost everything pays less than what I’m on. I’ve been looking at second jobs but struggling to find anything that fits in with my current full time schedule. If you have £300 you are pretty fortunate.

Take home around £2600 pm

Put £1600 in the household pot (covers all bills, mortgage, nursery, groceries etc)

So £1000 from which I try to save £500