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

Joint disposable is somewhere between £500 and £1000. I buy chocolate most days. We buy wine/ beer/ cider a couple of times a week. Hardly ever go out. Takeaway once a month. About 5 weekends away per year and a holiday abroad. I do buy Clinique but it lasts me ages. Don't buy many clothes for me or dc, just essentials. We're doing up the house so our money goes on that.

£10 a month? Maybe. It's not always there it depends on various factors. I guess I buy art and craft supplies. It helps my mental health which is the reason we have fuck all disposable income in the first place but hey it keeps me alive. Also my Rats. They help too. They cost maybe £10 a month too they don't ask for much

What flying elbows said.

Disposable income, about £2500 a month. Save most of it as my job is very dependant on a good economy, recession will mean no income so I need to have a back up.

My one luxury item is my static caravan on the coast. Nothing fancy, but I love it. I go down every two weeks go relax, walk by the sea and countryside. Much rather that than 2 weeks in the sun each year.

I live very frugally apart from that, small, paid for car, small house with small mortgage. I could in theory afford a bigger house, fancier car etc but would rather have the simpler life with a back up of savings.

Disposable income £1k+ per month. I'm aware that I'm fortunate, but I also work hard.

My car is my luxury. It's a BMW M135i. It's like a normal 1series BMW, but a lot quicker. It's great fun, and I'm so glad I bought it.

I live frugally and save all my spare income, I think very carefully before buying anything because I have too much stuff as it is.
Never been into meals out, or holidays, expensive clothes, my real indulgence is lots of free time and solitude

My disposable income is so small (literally £50, maybe) because I'm saving (and studying too!) so my luxuries are stupid things like Heinz ketchup, Cadbury hot chocolate, Spotify premium and drinks with friends every other Friday... . I've got my eye on a new camera though; hoping to get it with my xmas bonus from job 1 and generous xmas tips from job 2! Oh a 24 year old should have better luxuries than this I'm sure....

My DH is doing very well at work atm so our disposable income is high and we live very nicely (as well as saving and doing our bit for charity). The two luxuries that I am grateful for every single time I use them are an en suite bathroom with heated towel rail and good quality kitchen roll. There are many other wonderful things I can have and do but those two are daily life enhancers. Lucky lucky me.

Donating to charity without having the "eek, did I need that for kids shoes" feelings, brand name foods, heating higher than the basic.

Recovering from a relationship with a man who gambled all our spare money. If I don't count what goes directly into savings, £100 pm to go on non-essentials. Most of it usually gets saved though.

I should have a disposable income of around £1200 (single and child-free). However, I'm a sucker for punishment and a) own two horses and b) have expensive taste in tack, rugs and general gear. This means I am rubbish at saving anything because my horses, equipment, lessons and competitions add up to a huge amount of money. I figure, though, that you do only live once and if I didn't ride and have them mine would be a sad, sad existence but at the same time they are absolutely a luxury.

Between my husband and I we have about $200 disposable income per month. It goes towards our respective hobbies, and early Christmas gifts if we find them on sale. DD gets an allowance so her new toys are on her so I tell myself when I end up with a new toy in the trolley.

Living overseas on an expat package so high disposable income. Our luxuries are dining out, wine and travel. I am not really interesting in collecting more 'stuff' and prefer to spend the money collecting stamps in my passport.

We don't really have any disposable income but budget £100 each a month for 'pocket money' plus £100 for general things for the dog and baby. My guilty pleasure is buying nice baby things even though I know I could get cheap/2nd hand versions - it's not because I don't want 2nd hand but I just have quite specific taste and so enjoy choosing things myself. Luckily my OP doesn't realise that you can generally get cheaper versions of these things in tesco so so far I'm getting away with it! For myself im in desperate need of clothes due to afore mentioned baby so trying to save up my money for a shopping trip which will hopefully coincide with some more weight loss. If I had more disposable income I would spend it on my home though, nice furniture, higher end stuff in general.

Disposable income of 4.5k here no children. My biggest luxury is taking 2 months off a year to travel, read and sleep. Time off/out. This is worth more than any handbag or 'nice thing'' and I'm a much better person for it. It does not go down well with my some of my friends who think I'm a right diva for doing this.

I earn £1,100 per month.

£400 goes towards my share of mortgage and bills.

The rest I spend on me (no kids).

I never really spend that much though.

Wow. I'm living the wrong life. Zero disposable income. Overdrawn every month. Rarely go out. No designer anything. Spend what i hsve sensibly. Go without often. No holiday for 8 years. Wages only just cover cost of living. I thought I was doing ok/ was normal. Clearly not. What a depressing thread!

Not much disposable income compared to some, but im happy with it. If i sell on ebay then prob £250, if ebay' rubbish then £150 pm.
My trade off and a luxury to me is 6 quiet mornings (i find rushing around in mornings stressful), meeting my bills with the bare minimum of work is my luxury.
My actual luxuries that i spend money on are leather handbags and shoes and korean skincare and brands like the ordinary but im such a penny pincher i only ever buy discounted but new and use online coupons etc. Korean skincare feels luxurious but far cheaper than boots and uk general skincare with better ingredients.
Subway weekly and pizza monthly are also treats.
I have never bought a coffee outside the house, just not my thing and can never go into a shop and just buy, as id find it cheaper online or i wait for it to be discounted.

If i was richer i think id still be the same, i like nice things but the thrill for me in owning them, is not how much ive spent on them but how much ive saved on them knowing what their general price is.
I also save some for travel but like everything else i find a bargain.

I feel really boring reading this thread but its so interesting reading how others live and spend and what all our differing ideas on luxuries and treats are.

I posted further up the thread but have been thinking about this ever since I woke up trying to work out what is the biggest difference between having disposable income and being hard up and I think it is freedom from financial anxiety . So my biggest luxury is actually not lying awake at night worrying about the next bill. And that is priceless.

Disposable income is about £500 but we have big childcare costs and a new mortgage, once ds's free hours come in we'll be laughing. We enjoy eating out and the occasional take away, I use high end skin care and make-up and have a salon colour every 8 weeks. That's about it really.

I will admit I don't have a "disposable income" budget, as such. Although we are probably the poorest family at the private London pre-prep our kids attend, we are luckier than I could have ever imagined we would be. I don't spend much on clothes or cosmetics or a nicedo house, and I drive a non-descript older car. But i do pay for things that make my life easier. We have a gardener and a weekly cleaner, and I pick up groceries wherever is most convenient. I also buy a lot of ready-to-cook meals from M&S, or whole foods if I'm near there. I don't think twice about uber-Ing somewhere if I don't feel like taking the tube, and I've been known to put relatives up im a hotel if I'm not feeling in the mood for hosting guests.

I'm at all the disposable incomes. DH and I each get £100 a month to spend on ourselves. But not all of that is disposable income for luxury. I just spend £50 to buy work clothes. And I shop on sainsbury, new look and H&M. I don't count that as luxury at all, but basics.

So my luxury is basically a pack of posh crisps for around £2 from m&s, or a box of hotel chocolat chocolates once in a while. DH just got me waitrose 1 truffles for my birthday.

This thread is eye opening. So many have over £1k disposable a month!

It's hardly an accurate portrayal of average incomes though is it

Their not average salaries , but it's still quite fun reading the range and it's nice to see what others see are doing to treat themselves.

I'm enjoying reading

About £100 a month if that i usually treat myself to a cup of tea and a cheese scone to share with dd once a week. I did have a little extra this month so had my nails done for the first time ever as my friend gave me a discount.
There's a lot of birthdays in my family over October and November and with Christmas soon I try and buy a few presents with what's left over.