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 all bills, food, cars, clothes, pension, savings etc I’d say I’ve got about 25% left as purely disposable.

There's a good budgeting spreadsheet on the MoneySavingExpert site:

www.moneysavingexpert.com/banking/budget-planning/#planner

Sweet FA is all we have left...but its our own doing. We have 2 loans and a credit card, mortgage, car, child maintenance, utilities(which won't stop increasing and worrying me slightly), food, diesel, TV phones. We each take an allowance of £150 to get whatever we need for ourselves. We used to have savings, but since our utilities bill and diesel prices have gone up we don't have much for saving DH has to work overtime every 5 weeks and thankfullybi just got a promotion but our money doesn't last long and there's literally nothing we can cut back on right on. Ifs depressing

@monicagellerbing

I've fallen into a parallel universe. One minute there's thread after thread with people absolutely panicking about rising costs of food and diesel etc and then there's threads like this where people have 3k a month to save just for shits and giggles! Only on MN

I was just thinking the same.

[quote Dindundundundeeer]@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.[/quote]
It really does open your eyes. I grew up with family and friends all being on minimum wage or on benefits, so to me this is just normal and I never really thought that I could do much better despite being ‘bright’. After seeing that so many successful people are just normal women who sit on mumsnet in the evening just like me, it’s made a decent income feel much more accessible to me if I work hard. I’ve spent all evening looking into med school and accounting courses for the first time ever thanks to all you high flyers😂

@bumblefeline it’s well documented that people who go for long periods without enough money tend to blow it all on junk once they finally have some. It’s the same psychology as pigging out after you’ve practically starved yourself all week on a diet apparently😂

So don’t feel bad for splurging when you finally get money as you don’t have as much control over it as you might think

@Olaamigo Too paranoid about losing it if I did that. The image did make me laugh though 😅

[quote Niahm]@bumblefeline it’s well documented that people who go for long periods without enough money tend to blow it all on junk once they finally have some. It’s the same psychology as pigging out after you’ve practically starved yourself all week on a diet apparently😂

So don’t feel bad for splurging when you finally get money as you don’t have as much control over it as you might think[/quote]
Thank you i needed to hear that

Not including the cars it's around 4k but we live semi rural so to us the cars are essential which leaves 3.5k for holidays, food and petrol.

After all essential bills and our monthly outgoings such as subscriptions about £3k. Save £2k-ish a month and the rest on food, petrol, days out, clothes etc.

I've fallen into a parallel universe. One minute there's thread after thread with people absolutely panicking about rising costs of food and diesel etc and then there's threads like this where people have 3k a month to save just for shits and giggles! Only on MN

Well not only on MN, it's reflective of the difference in society between people.