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

About £3,500 per month currently.

Most money spent on travelling. However, I come from a very working class background (egg and chips for Friday tea because there was no money for anything else level), and even though i now have my own company, what you learn that early stays with you. The people named in my will will notice my legacy

Another one with horses and therefore no disposable income. Why do we do it???

Very much feeling like the poor relation on this thread. I haven't even been able to afford a haircut in almost two years. I guess our kids are our luxury, I like them to have the things I grew up without, so if I have to go without to make that happen, so be it.

This is absolutely bloody fascinating. Until now I have deemed make up as an essential no wonder my household expenses are high. I include it in the weekly shop which leaves us £900 but this goes on day to day spends and savings

Another one for the zero! - I have horses. And I'm a student. I don't scrimp on anything though, bills are paid, nice food from waitrose, and child has lovely clothes and presents.

Wow at the difference in lifestyle.

We're not badly off but nice makeup, waitrose, lovely clothes etc would all be extravagances/treats here rather than regular.

After bills food etc around £700 disposable.

Generally goes on days out, takeaways, clothes, presents for occasions, weekends away

Private school for both DC. Probably spend around £30k a year (fees + uniform + trips). Not much disposable income left afterwards.

disposable income of about 500 per month, the rest of our spare cash is put in savings account or banked in readiness for car insurances, road tax for x2 old but large engine cars, household replacements, furniture, weekends away and holidays we're saving for etc.

we spend the £500 pcm on cheap meals out, numerous bottles of wine, hendricks or bombay saphire gin, popping out for drinks with friends, make up that i want, trainers that dh wants, coffees out or little mornings or days out.

gosh, if after savings you all have the amounts you do to piss away, im very jealous at your amazing high incomes.

Zero. All my salary is committed with nanny, school fees and pre school fees. Husband pays all mortgage, bills, food, holidays etc but we don't share finances. I don't feel that I can buy luxuries with his money. Yes I know it's a weird set up. Our joint income Is well north of £200k but I can no longer afford nice skincare/ clothes etc. I'm way, way poorer than I was when I was single with no kids! (although we have a lot more assets now - nice house/ car/ expensive jewellery etc that I didn't have before).

I have no idea what ours is actually. And therefore I know that I'm bloody lucky!

In my case the big thing was paying off the mortgage - we spent years and years throwing what money we had at the house.

DH and I both earn high salaries and once the house was paid for we built up savings so items like cars are paid outright. My disposable income as per pp is about 4K but as a household it's double that - but a lot goes to savings (in anticipation of funding 2 kids through uni in the future).

We are in a very fortunate position in our early 40's and are aware of that. We've both worked very hard for what we have but are also conscious that so have many friends who just happen to work in areas that simply pay less.

Then again we don't own horses and the children are not privately educated (fortunate that the local state school is excellent).

Either of the above would make a very significant adjustment to our disposable income.

We have just rejigged our finances,
After mortgage,bills inc food, cars & commute costs we save £100, put £200 into a separate account for holidays, days out, MOT's & then £200 spends each per month.

Will be interesting to see how things are in 6 months time! Ie if this all works in practice.

1. Single mother paying full time childcare in London

jobwise, im 3 days of admin and dh works in business development for a small but national business.

All your disposable incomes are nearly three times what I earn. Single person low wage trying a house and paying all my bills on my own. I'm happy when I have £300 to burn on rubbish. I don't drink, never go out my luxury is smoking.

Depends on how much I work but on bare minimum after food and bills probably about £700. Never feels like much though, we don't go on holidays, me and Dp have never in our whole relationship been away on our own, even before kids. If dp worked in say, the average office admin job we'd probably have about 1k more disposable income, but right now and for the foreseeable future I'm the sole earner. Very lucky to not rent in private sector otherwise we wouldn't have any disposable income!

Horse here too, guess we must love it enough to be permanently poor!!

I'm curiously interested to know how much owning a horse costs!

I have zero intention of ever having one but it's clearly a huge investment.

Day trips and holidays, the occasional night out and cheap clothes.

About £200 a month. Realistically it goes on clothes or one holiday a year.

Considering I have just under £770 a month for everything after housing costs, I think I do very well to budget £20 per week pocket money for me; £5 per week pocket money for DS; £7 per weekly Pilates class; £10 gel nails monthly; and £50 a month for a man to cut the grass every fortnight between mid April and October (large garden and CFS are not a good combination!).

Oh and the extra money I spend on the gardener goes on the gas central heating in the colder months.

No disposable income at all. A luxury would be a 6 pound bottle of wine once every 3 months or so or a bottle of local real ale.

£250 per month each for me and DH. To spend as we wish but has to cover all clothes and shoes, daily spending like coffee at work, newspapers, toiletries etc. Luxuries for me are wine, yoga classes, coffees or lunch out, books. Also nice natural skincare/ haircare products. Try to squirrel away some of it to put towards occasional weekend away. Feel very lucky to have this kind of freedom!