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

Adora - I did a product review in Style and Beauty on the Dyson. See link. Tx

http://www.mumsnet.com/Talk/styleandd_beauty/2652845-Review-Dyson-Supersonic-vs-Parlux-3200-Compact

My luxury item is Molton Brown shower gel. It is a ridiculous price for what it is but it always makes me feel good. I spend way too much on food & eating out but we are not struggling financially. Disposable income £2k per month but I am a keen saver so a large part of that is put away.

We were also in significant debt about 15 years ago. We could afford a very basic standard of living and then everything else had to go to pay the IVA (formal debt solution one step away from bankruptcy).

We were also lucky to buy a house when they were very cheap and we have quite a modest house now, that many Mumsnetters would find unacceptably small and unattractively located. Our disposable income would be significantly reduced if we did what a lot of people do, which is to buy the biggest, nicest house in the best location that they can afford.

But I have a bit of a hobby of 'money making' so chasing the best mortgage deal, utlities, cashbacks etc. There is definitely an element of 'hard work and taking risks making your luck'.

I've never signed up to a fixed rate mortgage, so we've ended up with a lifetime mortgage rate of well below 1% pa and I change gas and electric tarrif all the time to make sure we are always on the best deal - appararently 70% of people never bother to change their gas and electric so their disposable income is needlessly reduced by hundreds of pounds a year.

Any spare £ goes on replacing all the school jumpers, coats and trousers DS keeps losing. Otherwise, I usually have about £100/month unaccounted for.

I wouldn't say I had a disposable income but income can vary so I always factor luxury into need. Only bathe using Lush which actually lasts so good investment. I buy and freeze what I can when buying reduced goods so if I fancy the more expensive items I usually have them at hand for pennies. I only nails inc varnish and get that for under £5 every time. Stocking up on luxuries when cheap is the way to go on little money.

The house, it's huge and beautiful.
Daily disposable contact lenses.
Pedicures.
Coffee in cafes.

We've just given up our business and gone back to both just having day jobs so we've had a loss of £1200 a month income. It's worth it though to have my sanity and lives back.

We are now left with about £250 each disposable income which isn't bad at all. I find the food we cook at home is often better than a restaurant and we look for deals to make the most of the money we have. We tend to spend it on eating out, clothes, activities for the kids, family days out etc. The kids always seem to need something though so I rarely go proper clothes shopping.

We have a lot to pay out in nursery fees so that will be more disposable income when it ends in 18 months.

Spice you are lovely (and non judgy) but I am an ugly lump. Botox is a mid life crisis- could be worse things I suppose.

We lost our house eight years ago-lived in the most unbelievably awful rentals, I feel very grateful.

Disposable income of about £4000 per month-have no mortgage so this helps.
Luxuries are eating out in nice restaurants, being able to help kids at uni with rent etc, holidays, weekends away etc
Not really bothered about clothes but love nice accessories.
Also my youngest has her own car at 17 which I never did so the money has allowed us to part fund that with her dad (insurance is massive)
I love buying gifts for people birthdays and christmas also and give to charity. Do a shift in a charity shop as a volunteer as I can afford to and I love it.

Im with barabaraof Seville, I love not spending money- it's a hobby. I don't really like "stuff" posh labels or expensive cosmetics do nothing for me. I rarely have the same utility company or insurance company two years running.
I enjoy the odd glass of wine, but luxuries you can keep.
Again I'm not sure what "disposable income means", but me and my family live a decent life and I save £1000 a month.

Haven't a scooby what our disposable income is, don't measure in that way.

As for luxuries if I was on Desert Island disks I would definitely request fresh, linen bedding every day.

Disposable income probably about £5,000 a month although will be slightly less now I plan on quitting work.

Most of this goes on nice clothes for DD although I have a taste for nice shoes (Loubs, Chanel, Manolo) and handbags (aspinal of London, givenchy, Mulberry etc). Other than that most of my clothes are from sainsburys, joules or topshop

Probably eat out 3-4 days a week

About 8 holidays a year

Crap at saving but have enough to tide us over with the basics for a few years should something terrible happen.

Disposable income is about 20 quid.
Luxury is books.

After bills, food, cars, overpaying mortgage and saving we have about 2-3k left.
Luxuries are
Holidays, spa breaks.
Going out for meals, gigs cinema, coffees etc several times a week.
I love expensive clothes shoes, boots, perfume.
Nice things for our house and holiday home.
Plus whatever DD squanders.

Disposable income = 2000 a month.
single with no DCs.
aiming to save 1000 per month. i want to have 15000 saved within the next 12 months. on track with that at the moment.
tend to spend money on eating out and food treats.
some goes on holidays.
i have enough clothes, make up and shit like that. don't need any more so have stopped buying those.

On persons luxury item is another persons basics.

I wish I had something like 3k-8k a month disposable! What kind of jobs do you have?

£400 for me but that gets swallowed up usually on extra fuel, coffee, clothes and treats for my DS. No real luxuries or skin care or make up.
Can't remember my last hair cut and I paint my own nails...

After rent, essential bills, transport and DH's student loan (he's from another country and pays a lot, was better pre-brexit but exchange rate has dived... we're very lucky in the UK) we have about £1100, £650 of which goes into savings.

After a few tough years financially I still see actually having savings as my biggest luxury... gives me more pleasure than spending it.

Our other luxuries are really basic though- we buy 4 nice beers on a Friday evening, DH drinks sparkling water, flights to see DH's family, we buy fancy coffee for the weekends. About once every 2-3 months we eat out, but that's generally at a street market. About once a month we buy nice ingredients for a fancier meal than normal- scallops or sushi ingredients or something.

Someone asked about jobs
I'm a tutor/teacher and editor
Dp is Vice President of a medical publishing company

I'm an RMN, DH is a director of a roofing and carpentry company. Our disposable income comes from him, not my pittance of a salary.

Disposable income not sure not really done a budget as such
Luxuries - cleaner, holidays and weekends away, eating out, takeaways.

I already put my disposable income but forgot to put my luxuries.

I am a shopaholic. I love premium beauty products (utter waste of money, but lovely), clothes (for me and DC) and shoes. Especially knee high leather boots.

Don't eat out very often (see it as a waste of money, and a hassle with small children) but get the odd takeaway.

I do like nice, expensive chocolates (like hotel chocolat or prestat) and lovely bubble baths (cowshed).

Recently tried to downsize to more budget products, and it's hard. If I was blindfolded I don't know if I could tell the difference but just knowing it's not a high end product makes it feel different somehow. Stupid psychological conditioning I know.

No idea what my disposable income is.
Eating out at least 4/5 times a week ( I count cofffes shops in that as as evening meals) when I am on mat leave. I like to get out of the house.

In terms of disposable income, I guess we have around £5,000 a month. We're both very fortunate to have well paid jobs (we also have no children yet) but our food/wine bill comes out of that and takes a big dent out of it.

I remember reading a post on MN that said "no matter how much money you have, you'll always find a way to spend it".

I have a great quality of life but have to admit that when I was young, dreaming of that kind of money to spend, I would have imangined dining on caviar/champagne every night. In reality we dine out about 4 times of year when not on vacation.

TL;DR- I'm grateful for my comfortable life, but sometimes living in London makes me feel like a relative pauper.

When we lived in our previous small house, pre kids, me working full time... We had about 3k per month going spare. And my goodness did we live it up!!
Now we have a big house, and three small kids... It's more like 1k after bills and it's a little tight. Not uncomfortable but a definite adjustment needed.