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

About £100. But when I go back to work and DTs in nursery it'll be negative numbers for a few years. We'll use savings to buffer us as we can't afford to lose the career progression (me) and pension contributions (both), nor any income as we need to re-negotiate mortgage at some point.

£1.3K per month for spending/ saving / overpaying mortgage.

Joint household income £42k, but only small mortgage

About £700 that are out towards summer holidays and Christmas

Cost of living crisis? What crisis? based upon some of these answers...

About £500 after everything, including all four animals.

I spend it on riding lessons, meals out, the odd coffee and cake, and wax melts. The rest goes into savings.

It always seems like there are proportionally way more high earners on MN than in real life. Its like a distorted reality.

So you have no council tax , no water rates ? i assume you’re mortgage free as you didn’t mention anything about that or rent ?

Very specific

Wow

Until recently (mortgage ended thank goodness) I could account for every penny. And we never had any left, and we didn't have savings. No overdraft or credit cards either. There were literally pennies left over. And I borrowed from friends/family on more than one occasion.

Having no money and no credit line is a very stressful way to live

A lot of us make all of those ‘compromises’ and still have no disposable income.
We had a decent amount of disposable income until our third child was born. He’s disabled. So I can no longer earn what I used to (as he cannot access childcare or education out of the house) and the extra costs involved in caring for him took all of our savings.

About £4K

@pompei8309

yes, mortgage free as we are paid off.
we are in Ireland where we have no council tax or water rates.
but earnings are similar to U.K. I suppose

We have a high household income but our outgoings are enormous due to massive mortgage, living in London and two in nursery. I'd say we have about £200 left after bills and food, and about £100 goes on children's activities, so we have hardly anything left. If something breaks in our house we panic as we have no spare cash. It keep telling myself it will be better once our childcare bill reduces

0 struggle month to month. That's with working in the NHS for 20+ years at 30 hours, universal credit and very very cheap HA rent.

£500 of which I try to save £250

I'm curious to know what everyone does for jobs on here now...

£300-£500 left over depending on the month.

I earn £57k and my bills are around £900 a month, so with petrol and bills I'm left with £2300 or so. I've never counted how much I spend on food because it's only me in the house so tend to buy as I eat rather than do a weekly shop. I do try and save £5-700 a month too very unsuccessfully.

See I look at this list and think blimey where am I going wrong- that's a short list! Don't you also pay:
Council tax
Water bills
Gas/oil
MOT
Car insurance
Car tax
Car service ?

I also pay:
Mortgage
Service charge for my flat (includes building insurance and gardeners)
Contents insurance
Resident's parking fee
Life insurance
RAC
Travel insurance
Charity donations
Gym membership

I pay into savings and a private pension (additional to work) but I would say it comes in then all flows out again...

@OhamIreally

Council tax- no (in Ireland we don’t have this)
Water bills- no (same as above)
Gas/oil- (house runs on electricity only)
MOT- (NCT here) every 1-2yrs depending on age of the car but I gave a general run down of costs- it costs €55
Car insurance- I pay all at once €500
Car tax- same as insurance
Car service - maybe once a year before my nct. I dunno it depends on work needed €100-200

Mortgage- I don’t have one

Service charge for my flat (includes building insurance and gardeners)
Contents insurance- nope I live rurally and we do our own gardening

Resident's parking fee- nope
Life insurance- yes I forgot this! We pay €70 per month!!

RAC- what is this?
Travel insurance- paid through my health insurance which is paid by work

Charity donations- nope

Gym membership- nope

we save about 2-2.5k per month

Nothing

Between £1100 and £1600 depending how many hours I work. My husband has probably a bit more. Ashamed to say nothing goes into saving. It all gets frittered away. Glad I read this thread as it’s made me want to change.

Around £400, I'm a lone parent so shift it into my and my sons savings accounts.

I'm chuffed if I break even at the end of the moment. Income around £2500pcm.

I think the majority of my friends, family and colleagues are the same.

Not everyone is in a cost of living crisis. If they are on higher wages but low outgoings they have a buffer.

I’m on a low wage in comparison to many according to here. But our outgoings are low. Mortgage is fixed low rate for 5 years as from last year. Low mortgage due to high deposit. We are careful with energy esp heating. No debts. No massive materialistic nature of buying I’d rather go on holiday or day trips etc. Yes costs have risen but we are still managing ok.