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?

After mortgage, bills and food I have about £1000-£1100 left. I don’t count that as “disposal” as I try and put £600-700 away every month and the rest is for petrol and random crap I want to buy/socialising. DPs money is a bit more varied but I would say he usually has about £400-£500 spending money after mortgage, bills and food.

before food / petrol we have £500 a month.

Not much at the moment, looking for work.

Don't believe everything you read on here.

After mortgage, bills and food, I have just under £2k left over. I save £1000 straight away and leave myself £1000 to spend (or not).

When people say savings, do you mean it goes away not to be touched or is it savings towards things like holidays / birthdays / Christmas etc. that you use later in the year?

Around £350 after food etc is paid for.

To spend just for me on whatever I want after everything is covered, I have about £100. But that's just for a couple of nights out or a new top

After all bills/regular outgoings are covered (including nursery costs, car payments and food, but not including things like petrol, haircuts, clothes, etc) we have about £3k leftover each month.

Of that approx. £1k goes into savings, £1k into investments and we spend the rest how we choose.

@User135792468 mine goes 50% in savings not to be touched and 50% for unexpected bills etc.

About £1000 soon to be £1200 once I've paid off a family loan in two months.

That's after everything food fuel cars etc etc.

Out of that £1000 we are trying to put £300 a month bak into the depleted savings but the last two months have seen over £800 in car repair and mot bills as well as new shoes needed for dc and extra bits we had to pay for so nothing went into saves at all

Hopefully from next pay day onwards we can.

That also includes any money for school
Trips/clothes birthdays etc from what's left

All of my salary stays in the bank. Everything is paid out of DH salary and after everything is paid, including food and fuel there is usually a few hundred spare which we invest in gold.

I have a fair amount, but I wouldn't call it disposable, most of it goes towards my early retirement plan. I'm not working for the fun of it, I'm working to retire early and I'm damn lucky to be able to do that, so being well.

After utility bills, I have ~£3k to play with. Two adults in the household. Half of it goes into savings and the rest to spend

@Dindundundundeeer

Our running costs are £4500 per month No mortgage We could pay school fees but chose not to. We save £80k a year. We spend a lot on holidays.

We also have savings but I’m not adding to them now and spending it.

We are late 40’s/early 50’s

what kind of jobs do you do?

£0 most months. Occasionally £20/30.

I have never really worked it out tbh.. But it is sad that some folk have next to nothing and others have a fair bit. It does make for rather uncomfortable reading. I can't really see the point of this type of thread.

@User135792468

When people say savings, do you mean it goes away not to be touched or is it savings towards things like holidays / birthdays / Christmas etc. that you use later in the year?

When I say savings I mean:

1. long term - pensions
2. medium term - investment ISA, General Investment Account, Investment bond
3. short term - cash

I don’t save for Christmas and holidays they just come out of income as and when.

@Missushbb I have my own company in financial services. I earn very well.

My DH is senior in IT and earns well.

However he has family money. That bought us a frankly, huge, house. Don’t be fooled into thinking everyone has made it themselves

I’m not sure that threads like this achieve a lot, but they do open peoples eyes to what is possible.

@User135792468
Same as @Dindundundundeeer
Savings are for the long term - We don’t save for Christmas and holidays they just come out of income as and when.

We save about 50k a year from a combined total of 125k before tax.

We’re pretty frugal, but looking at ways to cut our costs with rising food and energy prices.

My eyes are not 'opened to what's possible'!

How funny you would think that. I just choose to live within my means in a lovely place. Money honestly doesn't make me happy at all. Money is to live, nothing more.

I own my house. I am fine with 40 quid AFTER EVERYTHING. I feel very lucky indeed.

@Dindundundundeeer - It’s a bit rich to suggest a thread like this ‘opens peoples eyes to what is possible’ when you admit that much of your wealth was inherited. Hard work and luck can only get you so far. Most people’s financial circumstances are more heavily influenced by structural issues outside of their control.

Around £2000/2500 after everything that is paid by DD. Possibly a bit more or less, I don't have my spreadsheet in front of me - food would then come out of that.

I honestly don't know where we fall in the grand scheme of things.

@Norgie I love that you invest in gold. So fancy! Do you have the bars stacked up under the bed?

[quote Geezabreak82]@Dindundundundeeer - It’s a bit rich to suggest a thread like this ‘opens peoples eyes to what is possible’ when you admit that much of your wealth was inherited. Hard work and luck can only get you so far. Most people’s financial circumstances are more heavily influenced by structural issues outside of their control.[/quote]
To clarify; we put an inheritance into a house, but we would still have a few £M saved on earnings, but a smaller house. We wouldn’t have bought the house without the inheritance. We had already paid off our mortgage on a 4 bed detached before a windfall.

Luck and family play a part