money - where does it all go?

[denimdouble]

Hi,

So before I start, I know that we are fortunate and that so many people have it harder. I am just fed up of everything being so expensive and that so much of our money is tied up with bills and essential spends.

We both work hard in decent jobs and our joint take home pay is £7400. Today I have calculated that after every last thing that we have to pay we are left with about £1800 each month. This is essentially the money that we can use for holidays, days out, fun stuff etc.

We do have some debt that we are paying off, however this will end in about 18 months so this will make things easier. Our mortgage ends in 47 months which will make a huge difference to our lives.

I don't want to sound ungrateful or tone deaf as I am not, however it's awful to see that so much of our income is needed just to stay afloat.

Anyone else feel that same?

Exactly!

Exactly. There are things I want to spend my money on, so if costs increase in one area, I need to save in another (or increase my income).

Of course you have 🙄
More likely sitting around moaning that little Tarquins school fee’s mean you’ve had to cut back on your 4 abroad holidays this year!
Get a grip of yourself love

Budgeting doesn't mean spending as little as possible on every outgoing. It just means knowing what you have coming in and planning how to spend / save it.

Yes, even businesses and governments budget, and they may be dealing with millions or billions.

I am sorry, but what an absolutely pathetic response. You sound like a sixth former.
I am sorry I don't fit your narrative, it must be annoying when that happens so the obvious response is to say I am lying.
I have spoken about bankruptcy on here before, but hey, of course I am worried about 'little Tarquin's school fees' (why do people like you always think 'posh' children are called Tarquin??
Rude, ignorant and ridiculously childish - the whole set, congratulations!

It was really pathetic wasn’t it? 😂

Sounds like someone needs to get a grip and calm themselves down!

Someone certainly does 😬

This thread has got to be a wind up 🤷‍♀️🙄

why does it, when certain areas the cost of living is higher, so even with a hgher wage it still costs etc