Disposable income

[Welverine]

Hey,

totally nosey question so please just scroll on if you’re not interested….

after you have paid all of your essential bills/costs, how much disposable income do you have left to spend/save?

Hey !

About £9k on average last six months. But it varies - best was 4x that two years ago.

What matters more is discretionary spend -v- non-discretionary spend.

About £200 but all of that goes into sinking funds for Xmas, birthdays, car bills and a holiday

Honestly what is the point of a thread like this

About £750, which I split into long term savings, short term savings and "pocket money".

Ours varies between 3-4 depending on how much extra freelance I do

Probably about 20k a month, doesn't include pension contributions though, so some months can feel a little tough.

Around £2500 depending on the food shop & what the horse needs. Slightly more in summer when the horse is out 24/7 around £200 less when he is in at night in winter.

To make people feel shit…

OP clearly wants to brag

Ours varies between 3-4 depending on how much extra freelance I do

Certainly not posting for advice because she only has £2.53 left after paying rent before she buys food for her kids 🤷‍♀️

people are either very out of touch with how most people live, or they genuinely get off on bragging about how rich they are. It’s not a good look

Exactly. I hate these threads. I would never put it out there just because of how shitty it could make people feel.

Sending thoughts and prayers 😬😂

Nothing or negative (i.e our savings are going down). I guess without discretionary spends like buying the kids the odd toy or having an occasional meal out we might have £100 or so a month.

We are currently paying a lot in childcare and I am studying so not earning (we built savings when I was working). Once we are out of this period of our lives we should hopefully go back to having a bit more.

😂I can imagine. Having to tighten your Gucci belt must hurt.

Money isn't everything, can't take it with you when you die.

I think about £2.3k after all bills, mortgage, childcare, food, clubs. We save out of that though so have less disposable then that.

Probably about £1500, but every penny has a job in this household, so nothing is ‘spare’.

Nothing at the moment but now we can’t afford private schools anymore it will go up massively as everyone else will be paying for the education of my children on top state schools! 😀

I'm glad to read of someone the same! We are lucky if we have £80-£100 per week

why aren't you paying more off your debt??

and your disposable income will be spreading out throughout the economy instead of stuffing the pockets of one already rich tax-dodging private school!

their prices will come down soon enough when everyone quits.

The 800 will mean it will be gone in 18 months which is absolutely fine with us. We are also putting money aside incase we need it for a house move if we don't need it we will have a lump sum to do what we wish with.

We also like enjoying life, and DS so I spend a good chunk of money on days out and experiences for him... Money comes and goes time with my DS while he's young does not.

We are early 30s, and both salaries are increasing later this year so the debt doesn't worry us.

My husband who used to pay it all is now paycheck to paycheck but I saved my all, so quite a nice amount for any slack, additions or if something happens very unexpectedly. He knows it all. Agreed

About minus £175.

Going further into debt every month.

I only have about 22k left per month after all essentials, times are tough are the minute. 😛

I consider essential anything non negotiable where you don't really get an option on price.

A car could be £0 or £600 or anything inbetween, it's a choice.

Rent/mortgage, council tax, water, gas&electric, home insurance I would consider essentials.

Broadband also in this day and age.

Around 1550 after all bills, food and expenses (petrol etc). 1750 without overpaying the mortgage.

DH is self-employed and only takes a salary of just under 12500 a year, so the business account is a lot more healthy than our joint one.