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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Whats your disposable income like?

54 replies

Oglefish95 · 09/02/2026 07:18

Going back to work soon after maternity and have some credit card bills to pay. Ive not really a concept of what I need to live off monthly as my partner has been holding the lion shares of expenses while ive been off. I was aiming to pay £1500 monthly off credit csrds and then have £1000 left to live off (after mortgage/ utilities/ car etc are paid off).

I know mumsnet has alot of variety of incomes, I would say ours is just a bit higher than average, nothing crazy. Im asking because ideally id pay off even more of my credit cards monthly if realistic. I dont have loads on them, just 0% rates are running out soon. Its not something I would discuss with friends or family so genuinely wondering what is the norm.

Context is 2 kids and live in north East so cost of living isnt too bad.

YABU - £1000 is way more than needed
YANBU - £1000 is just right (maybe even need more!)

OP posts:
BoxOfCats · 09/02/2026 07:24

You sound like you need a proper budget.

Badgerandfox227 · 09/02/2026 07:24

I think depends what that £1k is for, is it just clothes/eating out/hair dressers or is it also to cover kids clubs and activities, holiday savings, grocery etc.

i think if purely ‘fun’ money, id go with £500 and pay more off my credit card faster. I’m paying off a chunk of mine and live off £300 fun money, but I’m not massive into hair/nails/botox and am at the stage where im mainly mum taxi so it’s enough.

really is up to you x

WonderingWanda · 09/02/2026 07:23

Surely you must have a concept, what did you need prior to maternity? You've not mentioned childcare? Is this £1000 literally just your spending money or is it to cover other expenses and if so what are thos expenses e.g travel costs? Phone contracts, life insurance etc? Whether that amount is enough would very much depend on those things.

Daisywhatsyouranswer · 09/02/2026 07:20

How much debt do you have v how much do you earn. it really isn’t about how much others have,

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