To ask what is your disposable income and how you split it?

[Noseysoso]

Decided to post here instead of S&B for more balanced results.

I'm due to start a new job and I am currently daydreaming about finally having some money. Thought I'd ask and get more views to aid with my daydreaming and budgeting. -I'm also just nosey-

At the end of the month, how much disposable income do you have and how do you split this up (e.g £100 on clothes, £100 on meals out, £100 at spa) ? Lastly, what percentage is it of your net income?

Disposable income = money to play with (after bills and food).

Disposable income £3000 I think after all bills, cleaner, gardener, food etc.
We save some and spend the rest on whatever we want or need that month. I get my hair done every 6 weeks, nails and eyebrows every 3 weeks. Dh has a football season ticket and plays golf. There's always something the baby needs.
I'm on mat leave at the moment not being paid so that doesn't include my wages which would add on another £2000 (minus £550 in childcare)

I think we're currently spending about 25% of our income on 'essentials' which will go down when I have an income again.

Congrats on new job btw op!

I just divide it into how many weeks are left until next payday and if it's an uneven amount, say £46.99 a week, I put the £6.99 per week into my savings so I'm left with £40 a week. I don't allocate money for different things. I also withdraw the weeks money out each Sat morning and on a Friday night, money left in my purse goes into my savings tin.

It makes me think a bit more about spending as well, as I find too easy to keep handing my card over compared to actually money.

And my DH just spends his as and when but doesn't budget to the extreme that I do. No, we don't pool our money either.

Mine is around £1,100. I save around £500, on average, and the rest goes roughly as follows:

Books: £50-60
Clothes: £60
Cigs: £100
Make-up, hair, pedicures: £120
Most of the rest goes on sarnies/drinks when working, parking, newspapers, petrol and car expenses.

All our bills, food etc, except for spending on our own vehicles, comes out of the joint account. We both pay the same amount in every month, because we both earn more or less the same.

I'm going to reduce my hours quite dramatically later in the year, so that will change. I'm also going to use my savings to pay off my half of the mortgage, so my contribution to the joint a/c will go down by £250 a month.

We both decided it was stupid to have money in the bank earning

Sorry my maths is rubbish we spend 40% on essentials

About £400 after all bills / food etc.

I tend to do £200 in savings £200 for me. So £50 a week basically.

The £200 savings is for 'things' not just random savings. Such as

Christmas / birthdays
Car tax
Car insurance
Mot
New glasses every 2 years
Contents insurance
Tv licence

So i know i have the money for these things when they come up

Oh and the £200 for me tends to be

£100 shopping (i like clothes)
£50 socialising (i dont drink so its cheap)
£50 misc (takeaway one night / house bits / etc)

I'm not saying how much.

We have always pooled all money, pay all bills and everything left over is 50/50

Around 10% of my income goes on essentials, I save 60% (some in savings for emergencies some for my dd) and the rest goes on meals out/days out/cigarettes/hobbies. I generally have about 10-15% left anyway after all this and whatever I have at the end of the month goes into savings too, but I prefer to have a cushion in case we want/need something.

400 quid per month - split 50/50 between the two of us to spend how we want. (DH works i'm a sahm.)

Ah nice spread there. I was expecting higher amounts to be spent on clothing to be honest (or maybe trying to give myself permission !)

I was thinking 20% on disposable ..

About £800 leftover personally at the end of the month.

This past month, most of it has gone on buying things for the house - paint to redecorate the hall and living room , a bookcase, a lamp, storage solutions, dining chairs, etc. I've also spent £75 on my hair, £50 on takeaways and eating out and £50 on books and music.

This hasn't been a typical month for me. Alcohol and clothes would usually account for a large proportion of my spend but I'm currently pregnant so not drinking and don't see the point in splashing out on clothes right now when I'm constantly changing shape!

Oh, I missed the last question - this is approx. 1/3 of my net income.

Mine is about €1200/£1000 (take home salary minus monthly bills and groceries). I usually save between €200 and €500 per month. Rest goes on lunches, travel, going out, a bit of shopping, random costs that I don't count as part of my monthly bills like car maintenance & insurance, home repairs etc. Plus in a country where medical care isn't free so some months I spend hundreds on dentist / doctor type stuff.

No idea how much DP has in disposable income. He earns way more but pays all the mortgage plus child maintenance. We keep our finances separate.

It's half my net income by the way.

About £500 a month between us and then every March (annual bonus month!) about £5k as a one off.

The £5k gets saved minus our holiday. £500 a month could get frittered or saved but we never spend regular amounts on anything.

I have roughly £600 left but after I cut down my hours (if everything goes okay with pregnancy) itll be more like £300.

We have about £600 but this for food and fuel then anything else after that, which is prob about £250 left which we spend on things for the house if needed or savings towards holidays etc

Such a vague question, and ridiculous really considering we don't know if you're a home owner, a parent, single, 70, etc.
We don't really spend anything on ourselves, because our goals are to be mortgage free, and children's education.
We have 60% left once essentials are covered, but it's earmarked for other things, not fripperies.

My monthly bills are around £300 p.m., I save £100 and probably spend £200 on food/household.
Leaves me with £600 (50%).
I don't have a mortgage, don't smoke or drink or go out much.
I make some charitable donations but mostly I spend it on stuff. Too much stuff. I am trying to cut down though.

Erm. A lot less than everyone else here! Once all essentials (rent/bills etc are covered) a percentage goes off to savings for various things (christmas, car maintenance etc) and a percentage towards DCs' sports/music etc clubs, then there is around £300pm left for five of us for clothes, shoes, haircuts and all entertainment. It's much too tight for comfort and will be slightly eased in September when DC3 starts preschool and I can earn a little more. DH earns above average wage, but my wage is small due to working fewer hours around the children (self employed) so we don't need to pay childcare.

my monthly disposable income is £2000 just for me. Dh pays for all household expenses. I'm very lucky

I'm a single parent and my disposable income after absolutely everything (food, Internet etc) is about £600. I put £350 in savings so am left with £250. That goes on things like days out with DS, weekends away, meals out/takeaways and beauty treatments for myself. I don't spend a lot on clothes really, less than £50pm.

Between me and dh and after good bills petrol are taken out we have between £800 to £900 per month left over.
We pay each into household bills to cover everything inc food and petrol car insurances taxes etc but we have to each pay our own mots and tyres.
I'm still paying car finance so I pay slightly more into account than dh but I'm normally left with around £400 on a basic month.
We are about to put an equal amount each into a seperate account to cover anything for the kids like clothes make up trips etc etc or treats as every month they are being fat too spoilt when we could be saving so have decided a figure each and that has to cover it.
Mine at the moment gets frittered away on brekkie out for us all in a Sunday,the odd takeaway,make up,clothes and lots of random crap for the kids.
We both have pensions we pay into via work but I'd like to start building savings however there's always something to renovate or decorate or replace.

In the last year we've had to get a new kitchen,a car after one got written off,help ds 19 learning to drive and insure a car,a big vet bill and all the usual. 😕
This year we are saving to do our bathroom so won't be doing any other type of savings 😕
Have forfeited our summer holiday to do it as it's well over due.
Maybe next year eh