To ask what your luxuries and disposable income is ?

[Spice22]

Ok I admit it ,
I'm feeling bored/nosey and have entered a dream state (you know, where u start daydreaming of something you don't have). Thought it would be more fun to read other's treats aswell, and others may enjoy the thread too.

So, just wondering what everyone loves buying themselves that they think is a luxury, and if you don't mind saying, what is your disposable income ?

I'll start
Disposable income - £400 (part time job for a student with debt, so is any of it really disposable ? )
Luxury treat - High end makeup and Moroccan Argan oil. Haha not the best extravagance but dream of treating myself to some bags

Wow some of you have loads of disposable income! We have about £50 each after all food, petrol and bills. Mine will go on a haircut or make-up or a new top if I need it, child benefit money is used to buy DS any clothes he needs and his swimming lessons. I'm shocked (and jealous) that some people have thousands but I guess that's life...

Disposable: £1.7k.
Luxuries: Jeans, lingerie. All of them.

I get my nails done, buy nice food, books and facials

We're oddballs really, we have some nice things (For example my car, which was over 10k) and we own multiple properties and are searching for our next home with a budget of 2 million aud (Emigrating from UK) but we don't really use our disposable income, it just accrues in our (normal) bank account. DH income is about 150k pa after deductions, mine was a bit over 20k (Now gone because I quit.. eh) so we get about 11k a month, our normal living costs+ eating out+ whatever clothes we fancy tend to come in at 2k, never more than 3 unless its a large purchase. So we end up with about 9k disposable income. Right now we're clearing the mortgage which will be gone by the start of next year, which is awesome, we're using half disposable income for savings for australia and half to pay down any debts at all so we leave the UK with no debts outstanding whatsoever.
So its all a bit fucked up really, We have lots of money but really can't spend it fast enough, we'd need to be in fancy restaurants daily shopping all the time buying the newest gadgets etc, which just makes no sense to me! But tbf I was raised on benefits on a council estate so I'm not used to having much

Disposable income: £400
Eating out (I live in London and its a BIG part of my social life)
Dinners + Lunches eatten out instead of making my own (which I could do)
organic vegetable box I love
Dance shoes + Accesories
Books
Experiences (hampton court, Theatre)
Dance meets
I live well beyond my means but have no dependants.

Probably about £400, which pretty much all goes on socialising. I could take in a lodger if I needed to increase my income but I value my own space more than having new things.

Books, paintings and small pieces of antique jewellery, maybe £150 per month but save up if it is something I would really like & will accrue value. Last month I bought a beautifully detailed minature painting of a lovely young blond hair man wearing renaissance style clothing which I wear as a necklace , so he was my luxury. No more this year.

Disposable income around £1100 but I literally put about £900 a month in savings and keep £200 for me it usually goes on meals out with OH usually twice a month somewhere lovely and EB things

Disposable: £200 per month but we probably have a fair amount of luxuries in-built to the food (and wine) budget. So some treats there.

I treat myself to (too many) cheap clothes. And paperbacks to read on the train.

I suppose our biggest luxury is the house. We have more space than we need and a big garden etc. So we'd have a lot more disposable for more fancy luxurious living if it wasn't for having (v recently) stretched ourselves to buy that.

But with 2 pre-school DCs - we spend most of our leisure time at home or nearby, so makes sense that it's a big chunk. I want to never take our wonderful home for granted. I know I'm being a bit of a knob but after years of renting sub par places in a city we couldn't afford - it really does feel like a luxury to have so much of our own space.

In theory it should be about 6k but I don't know what I do, it just goes. I am useless with money, had none, had lots and I still don't keep track of it.

We have just bought a house after years of renting, so lots going on that.

Botox, school fees, eating out, riding lessons, uni fees and living costs for dd1.

I am a right ugly lump too so I probably should not bother with the Botox.

Cool I love art too, been looking at some oil paintings this afternoon but stopped myself from buying.

None and no income left after mortage, bills, food etc. However after years of renting our luxury is our first house. Its worth every penny.

No disposable income.
Luxury is putting the heating on for an hour before a shower.

Wow, this is an eye opener! Our disposable income is probably fifty quid a month!? to go on things the children need, and the odd takeaway as a treat. Oh and all the birthdays that come with having a large family.

Minimal disposable income but I don't care, me and my DH and DC's are blessed with good health and we have a tiptop life - a lot of what we like doing is free, walking, cycling etc. But I do like a nice pair of leather boots and my eye is always drawn to a sparkly handbag. I used to splurge on skincare until my DS introduced me to Lacura.

This is an extremely depressing thread.

Anyone fancy sharing their luck?

Disposable income as a family is prob about £3.5 - 4k a month once mortgage and bills have been paid.

We are both much more in to doing things rather than material things so we tend to spend some of this on nice meals out or trips away/holidays.

I have about £800 a month disposable income. I try and save half of that and then give myself £100 a week treat money, but in reality it usually looks like £200 a month in savings, £200 on stuff for dc (teenagers are expensive) and then the rest goes on social life.

I don't wear high end make-up or clothes really and only buy clothes in the sale. However, I do go out probably 2-3 times a week (usually once with dh and then he pays :) ) and then another once or twice with friends / sister etc.

If it's any consolation we were broke 8 years ago and the school fees are for a dd with a significant disability. I do really appreciate having the money to be able to do that and don't take it for granted.

Nothing nada zilch bugger all.

My luxuries are a couple of those geeky subscription boxes (two subscriptions which each come every other month, effectively meaning I get a box each month). Totally a waste of money, and not something I could defend my expenditure on, but I get such a thrill from receiving a monthly box of surprise goodies.

My disposable income is currently nothing - only recently back at work post-mat leave and still finding my feet and coming up with unexpected purchases for the young one. Hoping, after Christmas, to be able to save at least £100 per month. May have to drop one or both of the subscriptions but am hoping it doesn't come to that.

We overpay on our mortgage when we have "disposable" income as I'd rather be mortgage free by the time I'm 40 rather than buying myself manicures, handbags, skincare etc.

I really fancied a Burberry coat recently that cost over £600. I could have afforded it but i always prefer to overpay the mortgage. I found one that looks identical in Primark for £14. Of course there are differences in quality but for that price difference I'd expect the designer one to endow me with super powers to be worth it! I don't think the Burberry one would've bought me more happiness.

hedgehogs I don't know if you were joking or not but just incase , please don't call yourself an ugly lump - everyone has something going for them !

I too am jealous (in a good way - I'm glad to know it's not all work and no play )

We're cutting out luxuries as we're trying to pay off some newly acquired but unavoidable debt - so they used to be
High end makeup and skincare
Designer/high end high st clothes and bags and shoes
Eating out at nice restaurant frequently
Giving lavish presents to friends and family
Expensive holidays
Expensive cars

Have traded most of that in for cheaper alternatives, inc cars and I have to say I don't miss any of it except the nice restaurants!

If it's any consolation, just over 15 years ago I was an NQT earning a crap wage and DP was only on the 2nd rung of the ladder in the RAF. We scrimped and saved to buy our house and didn't go out or any holidays for years. I was driving around in a 20 year old car. It's only been since about 2008 when I was promoted and DP shot up two rungs in 18 months that we've been so comfortable. We've overpaid our mortgage as well ever since so that DP will be able to retire once he gets to the end of his 25 years with the RAF, which means he'll be able to take a low paying job if he wants to.