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

Approx 1k. Pre DC (TTC soon), small 2 up two down home where costs are thankfully minimal. If we moved to a 3 bed, which we would ideally before having kids, we’d have a couple of hundred left over each per month. Fine in principle but nothing for days out and how on earth would we afford childcare if I return to work after having kids, which I want to do as I love my job. Essentially means we can’t move to a bigger house in the country’s current economic state / or till future DC gets free hours of childcare as if we did we will have significantly less money.

People with more disposable income usually make other life choices ie no abroad holidays, shop in cheaper supermarkets, compromise on house size and so on and so forth.

A year ago, plus £1.2k now about minus £175.

Around £1400 after everything. We’ll have a lot more once we no longer have to pay the high nursery bill.

Anything between 0 and 700. Our monthly income is around £1500 but mortgage paid off.

Summer we save a lot, obviously.

£6k combined income. £2k on all bills. £2k in savings. £2k for food and fun.

After all bills including food / petrol etc I’ve probably got around 25% of my income to save. Single adult household (1 child left at home, 1 at Uni, 1 an adult)

And this is why I refer to MN like Instagram..... Just another social media outlet to make the majority of people feel shit. Yeah there's a few saying not a lot but the rest are £££. Yes people ask so people answer..... But it's really no different than SM really.

Maybe there should be a notice on sign up that unless your in the higher tax bracket, middle/upper class system, here's the link for netmums 😂

No mortgage
No loans/car finance

Direct Debits - £700
Food - £600
Petrol - £75

Around £3,000 left for savings and monthly spends.

Nearly 2/3 of my wage after bills.. Save about a quarter every month at payday including a Small over payment on the mortgage.

Usually have a little wage at the end of the month, kids and separate finances to my partner we have a mortgage together though.

On mat leave now but prior to that I would have around £1000 left or more. I would always save every penny o coils to give me around £400 left to play with for rest of month

About £3k from combined net income of £6.5k

Some people really do break down their spending, at the behest of a stranger who isn’t so forthcoming. Just a bit odd.

We were like this so we moved bank, switched all the direct debits and our salaries to Starling bank. Took about 5 mins to set up individual accounts and then we set up a joint one.

All the bills come out of a bills space so we're not able to spend that. We now save. Also I move petrol for us both into our separate accounts so we now have virtual cards for that on Apple Pay too. Also one for the food budget.

We started to see our old over draft as a bill to be paid so £100 a month or so to pay it off bit by bit. Really gave us the breathing space we needed

I have £500 left after bills. My partner has £1900

800

including kids activities about £500/600 used to be about £1000 but my food shop is away up now & diesel more expensive etc so not putting as much away in savings now but lucky to have the extra extra money & not had to cut back on food / treats just yet. Years ago we only had about £100 left over & things were tight

We used to have £10, over the last year with the cost of fuel, mortgage and food inflation we are now short £485 a month.

This is very short-term for us though as the mortgage will be paid off soon.

We have about 60% of the total leftover. After mortgage, bills, fuel, nursery, car payments, and food. We spend what we want/need and anything left goes into savings (usually around 20%)

About £1800 but kids grown up, no mortgage , still working partime..... my partner had around £600 leftovers

@CombatBarbie And this is why I refer to MN like Instagram..... Just another social media outlet to make the majority of people feel shit.

If other people’s lives make you feel shit that’s your own issue.

Nothing good comes of these threads, it just highlights the differences between individuals.

I will say that using you need a budget has transformed our finances and we’ve gone from dipping into savings each month to having 15-25% of our income left. Christmas was expensive so it will only be 15% this month but the previous 2 months it was 25%.

It has made me much more aware of my spending.

About £400 from a salary of £1900

Around 2-3k in disposable income each month but it all goes into savings so we’re not living in luxury. I just don’t have to budget.

In terms of savings, I break down annual costs such as MOT, Christmas, work memberships etc etc into monthly costs and save that each month so it's spread out. No other savings unless I'm specifically saving for anything.

I basically work out my direct debits, work out how much I need to save for the above, then divide the leftovers into a maximum I can spend each week/month on food, clothes, eating out. Nothing really left at the end unless I'm scrimping toward a purchase.

£2,000 but I’m trying to save £1,666.66 of that each month