How much disposable income do you have in your household?

[Niahm]

Now I know that some people are uncomfortable revealing how much money they actually have and that’s fine, but for anyone who’s not fussed I’d love to know how much you have left over to spend as you please!
After reading all the recent breadline vs comfortable threads I’m more confused than ever and have no idea where I fall. I feel like people often tend to include things like owning and running a car, haircuts, clothes, getting the house sorted etc which skews the end results quite a bit.

Personally after rent, food, council tax, energy, water and internet I have £700 for me and a toddler. Definitely enough to eat and get by okay, but it all seems to just fly away from us on travelling, clubs, basic clothes, Netflix, phones etc.
How about you?

£0 .Less than that really in the sense that I'm getting more and more into debt every month.

£2.5k, that includes food and petrol costs

About 5k after mortgage and essential bills etc, two adults working full time. We do factor in e.g. food costs, going to the pub budget, car, streaming services, basically everything we do/have together plus allocate money towards various saving pots before we split out the rest as free spending money though, proportionally to percentage we put in as partner earns more and pays more bills. I end up with about 800 a month that is just mine to do as I please with.

Oh I didn’t read your post correctly. In our ‘bills’ money I include car x2, motorbike costs, phones, childcare. So the 2.5k only has to cover food/ petrol, every other monthly cost is covered

I suppose about £1000 including food which varies.

DH does the food shop and I do the bills.
On a month where we get an electricity or gas bill (or, as often happens: both) I don't have anything spare.
On a month with just council tax and mortgage I can put up to £500 in savings.
I presume DH also has disposable income because I see him buying daft stuff!

I feel like people often tend to include things like owning and running a car, haircuts, clothes, getting the house sorted etc which skews the end results quite a bit
I do this but it's just because I have a budget spreadsheet and it includes all those things and breaks them down into equivalent monthly costs (car maintenance, clothes, etc.) as otherwise I don't think you really get a proper picture of your finances, as that money has to come from somewhere. It's not really £x a month 'disposable' income if you aren't counting stuff like car maintenance, home maintenance in there somewhere.

And I also think that's why some people are genuinely confused where their money goes – because they count their 'monthly' costs that they pay via direct debit or standing order, but don't account for the less frequent costs like cars, haircuts, dentist, Christmas and birthdays, replacing clothes, etc. that then have to come out of the remainder.

£1.5k ends up in our savings every month (unless we have a particularly mad month, as we're not currently saving for anything in particular), so that doesn't include petrol, food shop, meals out, cinema, days out etc.

If we're including the above probably more like £2k or just over.

After I've paid absolutely everything, even the small things eg bus fare, pocket money my VPN, random school things (allow 20 euros a month) I have precisely 40 euros. Slightly more if I cut back on the food (I never scrimp on high quality eg free range/organic food)

We live on the beach and have the occasional icecream etc I never buy clothes.

We have a good life!

£1100 to cover transport, food, clothes, gym, holidays, savings, social.

I would incude transport, food and savings in an essential budget. Gym and holiday and to an extent clothes (as can buy charity shop or sparingly) are luxury/negligible.

About 2.5k but that groceries need to be bought out of that.

Two adults working full time. 5 DC and a dog. North West.

About £1600 but as a single parent in the truest sense of the word every penny should go into my pension otherwise when child support etc stops ill be truely f*cked

about 3k goes to savings each month

I usually have between £500 and £1000 after absolutely everything (inc. food etc) but not including savings.

Up until this morning is was minus figures from debt. But we’ve sold out house, made a decent profit, paid off all of our outstanding debts, brought a new family home to start fresh and not get into the same situation again, ever. Being genuinely painfully poor is exhausting and depressing.

But now we’re debt free and about to go into our new home.

After the necessity bills/DD’s:
Mortgage
Council tax
Insurances (cars, house, life)
Food shopping
Mobile contracts
Fuel (this varies so leftover money is always give or take a few)
Sky account ect.

Absolutely anything else that need to be paid, is a bill or DD.

We have left roughly £1200, but that’s once I’m back at work after maternity, while on maternity it’s about half of that. I feel comfortable with that, it’s enough to have some ‘fun money’ each, put most into savings and still have a buffer for unexpected bills.

55% of our income is disposable.

@MistySkiesAfterRain

£1100 to cover transport, food, clothes, gym, holidays, savings, social.

I would incude transport, food and savings in an essential budget. Gym and holiday and to an extent clothes (as can buy charity shop or sparingly) are luxury/negligible.

Same here for a family of 4.

About £2.5k after tax and bills (mortgage, energy, water, CT, internet, Spotify, Netflix).

Oh wow, I’m feeling very jealous! In a good way though, it makes me want to go get that degree that I’ve been putting off for ages😂

Sorry to the commenters not in a good position - I know how hard it is, and I do hope that things improve for you in future.

I excluded a car as it’s not something that everybody can afford, so not everybody owns and pays out for one. I so understand how people would see it as essential though, I know that my life would be 100x easier and more productive if I could afford one!

Thanks for all the responses so far, it’s really interesting and enlightening to read them all.

After essential bills that MUST be paid we have about £900 left over now

4 months ago before DH got sick and had to leave his job we had £2k to pay for food etc/pensions

Well, nobody is including food! In that case I have 500 euros a month.

I was including absolutely everything!

After all bills including food I have 40 pence to play with and I count myself very lucky that it's not in negative. The situation will turn for the worse in April when my duel fuel bill goes up by £86. I have nothing left to cancel. I'm on social tariff for internet, cheapest SIM only deal and can only afford to put £20 petrol in the car a month to get my disabled daughter to her appointments.

About £1400pm. Myself and 1 DS. Income is £2100pm including child maintenance from exh so as you can see I'm not rich, just fortunate to have a small mortgage and past the days of full time childcare.