How much do you have left over after paying it all?

[Thewinterofillness]

After paying all essentials-mortgage/rent, bills, car, petrol and food…how much do you have left over to do what you want with? Put in savings, buy clothes, meal out, takeaway etc..if anything?
Mn always seems to be full of incredibly high earners..I find it unusual as in real life, it’s a real mix in my friendship group etc

Surely whether you have anything left over depends on outgoings, rather than being high earners....?

Er. About £20?

Usually £600-£800. It varies based on overtime.

Not a lot, we’re down to the bottom of the overdraft in the joint account. We never seem to start from £0 so we’re always on the back foot! If you’re interested in this kind of thing home with Shan on YouTube posted a video about this today which I found good to watch, she’s totally honest about what she earns etc

I'll let ya know when back to work. Currently nout

What do you have left over, OP?

Everyone does their finances differently and have different family set-ups. Just like in real life.

Not much at all.

I have around £800-900 left but I try and save £400 a month

If put savings in with bills really but I have about 1k left over.

We save about £1000 a month, both earning around 35k.

We have 1 DC in full time nursery.

Our mortgage is just very low. Only have 1 car bought out right.

We’re moving to a bigger house soon where we won’t save anywhere near as much.

£0
outgoings exceed income due to ridiculously expensive elderly horse that likes to keep going wrong 🙈

incoming 6k ish after pension etc
outgoings-
120 electricity (bimonthly)
100 childcare per week (term time)
130 food per week
120 - broadband, tv and 2 phones
65 to fill my car for approx 10 days
50ish to fill dh’s car I think
dc activities 90 per month

approx 1700 in outgoings so 4500 left over

Individually - £1800

Joint - about £4000 depending on how much DH overpays the mortgage

About £600.

About £1900 per month since paying off house last summer.

With over time and budgetting, £1,000. Without, around £400/£500.

About £1500. We've lived in the same house for 10 years rather than moving as our income has increased. If we'd moved, we'd be paying double the mortgage.

After mortgage, all bills, food, full time nursery bill etc £2500.

About 2.5k. It goes into savings & investments.

£36k a year and about £800 per month left over. Husband on around £60k but puts majority back into investments and lives frugally, if you asked him he’d probably say very little but he earns more than me. So a lot of it is about perspective I suppose

About £20.

About £3000 left over when all mandatory bills are paid. I've not worked it out before, a few years ago £3000 was our joint net monthly income.

But the "essentials" are variables too! Some might choose the cheapest home and car to enable the most disposable income, others may prioritise a nice/big/well located home because they're not that bothered about buying stuff or going out. Some might prioritise an expensive car but never eat out or go on holiday. Some get to choose all of that. Some might have family contribute to cars and holidays meaning they can afford to commit more on rent/mortgage.

Higher earners might have huge mortgage/car/school fees/dry cleaning bills and actually not that much left over; lower earners might be in a position to have minimal outgoings and a bigger proportion of disposable income.

£600-ish left.
spend £100, save £400 (short term, for holidays, car repairs, dental work)
£100 savings that I don’t touch.

About £200. We are "high" earners but live in an expensive area. Can't even afford a holiday.