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

In theory, should have about £2k of my own income spare each month. Reality- I have horses, so live in my overdraft...

Disposable income - very little
Luxuries - a Starbucks whilst the baby is asleep

Riverside That's a very rude and condescending post- one would think you were not happy with your own choices

I'm enjoying reading everyone else's responses.

We considered Buy to Let.
I couldn't get past the fact that the Fin. Advisor was insisting we should do a minimal deposit and rely on house price rises to actually make a profit. This felt risky & stupid to me, maybe immoral, even.
I since spoke to someone who said she completely disregards that & pays her BTL mortgage(s) down as fast as possible for the same instinctive reasons as my instincts say to do so (oh well).
We sunk £12k on solar lekki instead. DH has gone PT at work.
We have good work life balance.
We have no tenant problems, or complicated tax returns, woohoo!
I guess those are my luxuries.

(I hate people who say that "house prices haven never fallen in Xplace" when I know they have fallen in Xplace).

Yep, it would be mad not to hoover up all available housing stock, that way people who need homes will have to pour a large portion of their hard earned money into your pocket.

Thankfully measures have been implemented which will make buy to let significantly less profitable, highly leveraged landlords are going to find themselves in a very tight spot

Nooneyouwilleverknow

I can understand your sadness. When we were first married we were skint. We stretched ourselves to buy our first home and had zero disposable income. We didn't have a phone line or a washing machine or a wardrobe for three years. When DCs arrived they had second hand toys and clothes and my commitment to breastfeeding was hugely influenced by the cost of formula! We used to walk along a local road and I would cry with envy and frustration - how could people afford to own a three bedroom semi AND a car when we both worked so hard and couldn't even dream of such a thing.

Roll on a quarter of a century and I have everything I dreamed of then and so much more. I still can't quite believe how lucky I am. But those hard up days with the kids were far and away the happiest days of my life. Having a lovely house and a reliable car (and naice kitchen roll) are all great and I am truly grateful for them but they aren't the really important things in life.

I have around £250 left after regular bills, but that has to cover food, petrol, clothes, ad hoc bills etc for me and DS.
I do treat myself if there's something left at the end of the month but it'll be a little one like cake and coffee out.
Regular luxuries are Netflix, Spotify and swim membership.

Mine's £500 a month, more if I do overtime at work, which I usually do.
I like jewellery, perfume and clothes and holidays.
Ive cut right back at the moment and am saving every penny I can, so I'm allowing myself £50 a month. I like to buy books, ebooks, magazines and plants/seeds for the garden.

I wouldn't say we have any disposable income really. We do have around £600/£700 left after all bills but with three children, including one who has Sen it doesn't go far. Shoes, trainers, clothes, school holidays/trips, Christmas, pocket money, etc means even if we do have a little extra left at the end of the month we always find something that needs buying, and this is always for the kids not us.

I'm a student teacher, so I have £7600 to live on until my first teaching pay check (if I get a job next September). My luxuries are being able to get the bus to the shops at the weekend and maybe some fast food as a treat...

£1k. Used to be nights out manicures, earthing out clothes etc. Now have baby girl on the way it's things for her. Nice little clothes and toys etc.

We do have rental properties, ISA's, premium bonds etc. But there's only so much you can squirrel away for later.
Life's for living and if it helps the economy especially small business owners in our area- independent coffee shops, restaurants, cinema, pubs, shops etc benefit from all our spending and helps keep places thriving. As well as the holidays and big stuff we spend on.