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Personal spending amount

56 replies

dinkdinkdink · 14/01/2026 15:49

I am trying to budget as I want to save for something. Would you say £200 is enough each for personal spending a month?

How would you find it? Oh thinks he needs more. 🤦‍♀️
It is for takeaways, hair cuts, pub, cafe anything that isn't in the main family budget.

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rockinrobins · 16/01/2026 09:49

dinkdinkdink · 15/01/2026 10:37

Thanks thats interesting. What does it include if you don't mind me asking. As I see a few people have included gym, mobiles and fuel.

Doesn't include things like that.

Just socialising, clothes, hair, tech etc. (not mobiles but anything like apps, video games, movies etc).

We count mobiles as a bill as they are a necessity really. Same with fuel, and gym membership would be joint because it's a health cost and benefits us both.

Where we live and with our lifestyle it feels about right and I'm not OTT on expensive brands or out every night - I have a small baby so can't be 😅

I'm probably spending closer to £300 of it now I'm home with my son more, but I'd still struggle on £200.

As the poster above me said though, this is all very subjective from one person to the next. Depends entirely on your lifestyle, attitude to money, what you're used to etc.

RecordBreakers · 15/01/2026 15:13

dinkdinkdink · 15/01/2026 10:29

Thanks do you find you are ever wanting more? If needed an outfit or a coat one month etc.

The thing is, a decent coat will last 10 or 20 years, so is hardly a monthly spend.
If you are going to need a coat, you'll have been aware of that at the end of the previous Winter, so could have been putting £20 a month aside over all the Summer months. It isn't about rigidly spending the same every month, it is about having £2400 for the year - in June you might only buy a couple of drinks so you've got £190 odd to add to the pot you've got for when you do need a bigger ticket item. During December you'll have an idea that is an expensive month for going out - meals, drinks, taxi, a new top maybe, but you'll already have more than your December money available as you knew this all year and you didn't spend it in April, June, July or September.

But it still comes down to what you have been used to, and therefore what your expectations are.
Some people don't have any 'spending money' without cutting something else completely. At the other end, some people have no idea what they spend even as they just wave a credit card at whatever they want. Me, or anyone else on this thread telling you that £100pm or £500pm is either 'loads' or 'impossible to keep to' is irrelevant as we will all have completely different budgets from you.

VeterinaryCareAssistant · 15/01/2026 11:47

dontmalbeconme · 14/01/2026 17:57

It's too tight. Particularly as he's not so bothered about what you're saving for.

£40-50 a week 'pocket money' for a grown, working adult is pitiful, unless it's done out of pure necessity. It would be a miserable existence.

You need to split the disposable income after bills and emergency savings in half. He can spend or save his half as he sees fit, you spend or save your half as you see fit. Since the renovations are more important to you than to him, you'll likely save more/quicker than he does, and that's OK.

I don't get £50 spare per month, let alone week to spend just on myself.

dinkdinkdink · 15/01/2026 11:39

MushyPeasAndMintSauce · 15/01/2026 11:31

Could you save for another few months and have a little more each? If you really want it and he doesn't could you manage on the £200 and give him a little more £300 perhaps and save a little longer?

I could manage £200 for perhaps two months but it would get old very quickly I don't have an awful lot of pleasures so if I fancy a new book or a takeaway I'll have it but for two months I could not.

Yes I think I may have to do this to be honest. Seems a compromise. He wants £400-500. That he wouldn't spend anyway.

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MushyPeasAndMintSauce · 15/01/2026 11:31

Could you save for another few months and have a little more each? If you really want it and he doesn't could you manage on the £200 and give him a little more £300 perhaps and save a little longer?

I could manage £200 for perhaps two months but it would get old very quickly I don't have an awful lot of pleasures so if I fancy a new book or a takeaway I'll have it but for two months I could not.

dinkdinkdink · 15/01/2026 11:29

LightYearsAgo · 15/01/2026 10:45

It doesn't matter what anyone else spends, you have a finite amount of money each month.

Calling it different names is irrelevant. You're making things too complicated, decide how much you want to save each month and whatever's left over is available to spend on whatever you need/choose that month.

No need to be worrying about new coats that you don't even need at the moment.

I might have missed how old your daughter is but she needs go get real in Home Bargains 😀

She certainly does. She is 17. She has her own job now so will have her own money.

That is what I did it gave £400 left but oh started wittering on. Thing is he probably doesn't even spend that much.

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dinkdinkdink · 15/01/2026 11:27

Egglio · 15/01/2026 10:55

Yes.

I don't go to the gym though and I'm not in London, I'm in the SW.

Clothes are a separate budget though, but just buy what I might need for the season, which isn't much at all each time, maybe one thing. I think I'm very lucky having that £200 a month to spend. Apart from a haircut, I see wine, coffee out, new books and takeaways as luxuries. They are wants not needs. If I really needed to, I could stop them all, I'm not beyond trimming my own hair.

That is true. I don't have to go for breakfast and I haven't had any alcohol since Christmas.

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Egglio · 15/01/2026 10:55

dinkdinkdink · 15/01/2026 10:23

For £200 pcm?

Yes.

I don't go to the gym though and I'm not in London, I'm in the SW.

Clothes are a separate budget though, but just buy what I might need for the season, which isn't much at all each time, maybe one thing. I think I'm very lucky having that £200 a month to spend. Apart from a haircut, I see wine, coffee out, new books and takeaways as luxuries. They are wants not needs. If I really needed to, I could stop them all, I'm not beyond trimming my own hair.

LightYearsAgo · 15/01/2026 10:45

dinkdinkdink · 15/01/2026 10:37

Thanks thats interesting. What does it include if you don't mind me asking. As I see a few people have included gym, mobiles and fuel.

It doesn't matter what anyone else spends, you have a finite amount of money each month.

Calling it different names is irrelevant. You're making things too complicated, decide how much you want to save each month and whatever's left over is available to spend on whatever you need/choose that month.

No need to be worrying about new coats that you don't even need at the moment.

I might have missed how old your daughter is but she needs go get real in Home Bargains 😀

dinkdinkdink · 15/01/2026 10:38

Shff · 15/01/2026 10:37

for things like an coat or an outfit I’d use Vinted or charity shops to keep the costs down. Everyone wants more money tbf! But it’s rarely been something I need, there’s only been a handful of occasions where it’s been urgh I really needed a bit more money.
but you cut your cloth accordingly, we don’t often do takeaways. I stock up on just the cheaper supermarket style pizzas etc for the freezer for example.

Thanks. I am getting a bit sick if takeaways anyway as they are getting ridiculously expensive and can make nicer at home with a bit of effort.
I need to take a look at vinted.

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dinkdinkdink · 15/01/2026 10:37

rockinrobins · 15/01/2026 10:23

We do double that for personal spends and it doesn't feel extravagant. I'd struggle on £200 unless I dramatically cut back on a lot of things.

Thanks thats interesting. What does it include if you don't mind me asking. As I see a few people have included gym, mobiles and fuel.

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Shff · 15/01/2026 10:37

dinkdinkdink · 15/01/2026 10:29

Thanks do you find you are ever wanting more? If needed an outfit or a coat one month etc.

for things like an coat or an outfit I’d use Vinted or charity shops to keep the costs down. Everyone wants more money tbf! But it’s rarely been something I need, there’s only been a handful of occasions where it’s been urgh I really needed a bit more money.
but you cut your cloth accordingly, we don’t often do takeaways. I stock up on just the cheaper supermarket style pizzas etc for the freezer for example.

dinkdinkdink · 15/01/2026 10:29

Shff · 14/01/2026 23:40

That’s what me and dh each have, 200 each spending money, it does us fine, but for some people it would be a shock to the system if they’re used to a lot more.

Thanks do you find you are ever wanting more? If needed an outfit or a coat one month etc.

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dinkdinkdink · 15/01/2026 10:27

RecordBreakers · 14/01/2026 23:29

You'd have to go some to spend £100 in Home Bargains.

I went to a cafe two days and had a cooked breakfast - it was £6

If my car is looking mucky, I get the vacuum out.

I mean, I know we are all on different income levels, but you are seriously leaking unnecessary money here. The fact that your default is to buy lunch every day is wild to me.

I agree with @LightYearsAgo . It isn't that you shouldn't have 'personal spends' each, it is that you need to agree your priorities.
For some people that might be spending £££ on holidays. For someone else, they would be happy to forgo a holiday one year to have a kitchen or bathroom refurb. It's the same principle with your individual spends, only you and your dh can decide if it is more important to you to save for the renovations or if (together) you aren't so bothered about what your home is like but cba to take a packed lunch every day.

Hahah you should see my dd she is a nightmare. I have told her it is stopping. A few candles and blankets and stocking up and its £90 before I know it.
I didn't say I buy lunch every day. I take it with me or get a free one in the canteen as an in kind benefit. My lunch cost is negligible.
I do agree I leak money elsewhere.

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MyLimeGuide · 15/01/2026 10:25

Personal spending per month to include takeaways haircuts and pubs would be more like 500 in this current climate. You could easily do it if you are frugal but hairdressers takeaways and pubs is lavish IMO

rockinrobins · 15/01/2026 10:23

We do double that for personal spends and it doesn't feel extravagant. I'd struggle on £200 unless I dramatically cut back on a lot of things.

dinkdinkdink · 15/01/2026 10:23

Egglio · 14/01/2026 21:36

Just got personal spends? Everything else is covered so it's essentially fun money? This is how much I allocated myself each month. If I happen to have a bit more I might add in a few quid more, but I do ok. It's not miserly tight! I have wine/coffee out, buy books, have a takeaway, get a haircut, buy make up etc. perhaps I am just very careful!

For £200 pcm?

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dinkdinkdink · 15/01/2026 10:22

MakeMineAMilkyTea · 14/01/2026 21:22

we budget £250 a month. Mine goes on beauty appointments as my gym membership is seperate, this is purely for me to spend no questions asked guilt free money. I’ve always got money left over.

Thanks so it isn't unreasonable then. Thank you.

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Shff · 14/01/2026 23:40

That’s what me and dh each have, 200 each spending money, it does us fine, but for some people it would be a shock to the system if they’re used to a lot more.

Mandylovescandy · 14/01/2026 23:36

I spend £250 including gym membership because I am aggressively paying down the mortgage and by the time I have worked full time, done my hobbies and taken the kids places I have very little time left to go out and spend anything

RecordBreakers · 14/01/2026 23:29

You'd have to go some to spend £100 in Home Bargains.

I went to a cafe two days and had a cooked breakfast - it was £6

If my car is looking mucky, I get the vacuum out.

I mean, I know we are all on different income levels, but you are seriously leaking unnecessary money here. The fact that your default is to buy lunch every day is wild to me.

I agree with @LightYearsAgo . It isn't that you shouldn't have 'personal spends' each, it is that you need to agree your priorities.
For some people that might be spending £££ on holidays. For someone else, they would be happy to forgo a holiday one year to have a kitchen or bathroom refurb. It's the same principle with your individual spends, only you and your dh can decide if it is more important to you to save for the renovations or if (together) you aren't so bothered about what your home is like but cba to take a packed lunch every day.

mindutopia · 14/01/2026 21:43

I definitely don’t spend £200 a month on takeaways, the pub, coffees and hair cuts. I have about £1000 a month in personal spending money though (which I don’t necessarily always spend). But included in that is, personal travel, hobbies, fuel, my mobile bill, books, classes I might want to take, etc.

Egglio · 14/01/2026 21:36

Just got personal spends? Everything else is covered so it's essentially fun money? This is how much I allocated myself each month. If I happen to have a bit more I might add in a few quid more, but I do ok. It's not miserly tight! I have wine/coffee out, buy books, have a takeaway, get a haircut, buy make up etc. perhaps I am just very careful!

Phonicshaskilledmeoff · 14/01/2026 21:28

dinkdinkdink · 14/01/2026 15:49

I am trying to budget as I want to save for something. Would you say £200 is enough each for personal spending a month?

How would you find it? Oh thinks he needs more. 🤦‍♀️
It is for takeaways, hair cuts, pub, cafe anything that isn't in the main family budget.

I used to budget £300 each. Just go through your statements and see what you actually spent on average on this type of thing for the last few months

MakeMineAMilkyTea · 14/01/2026 21:22

we budget £250 a month. Mine goes on beauty appointments as my gym membership is seperate, this is purely for me to spend no questions asked guilt free money. I’ve always got money left over.

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