How much disposable income do you have

[dylanjt]

Nosey question after a discussion with friends! I'm a single mum of two and after rent, other bills and food, I have £300 left a month. To one friend, this was plenty! To my other friend, this was peanuts! I'm pretty thrifty and manage fine on this and we are happy. We eat out as a treat once a month, eat home the rest of the time and take packed lunches out with us whenever possible. I'm always searching for free things to do. I buy all our clothes off Vinted and love finding a bargain. Same with toys. Ebay is good for toys too. Any money that is left from my disposable income at the end of the month goes in to my savings which usually goes towards Christmas. So, how much disposable income do you have and are you ok with that amount?

Now DC are adults and financially independent, I have approx 1200 p/m after all housing costs, bills and food. I try and save 1k p/m (doesn't always happen) but then those savings are for things like holidays, home improvements etc so I build up a fair bit but then it gets spent.

At one point in my life I was a single mum on benefits, I think I only got something like 600 p/m for everything! (although did get HB and CT benefits then) so I feel lucky now that I actually have disposable income. But I think it did make me frugal in some senses in that I don't really fritter money away day to day.

Around £2500 at the moment, after bills and putting a set amount into savings, because we have 2 in nursery and only one is eligible for 30 funded hours so that costs quite a bit! It doesn't all get spent though, usually just put extra into savings.

About £2k after bills, food and petrol but not including yearly stuff like Christmas and holidays. No idea where the fuck it goes tbh.

Disposable? Zero.

Personally I have around £650 or so. I try and save £300 and the rest goes on clothes, eating out etc. DH has a similar amount. We're comfortable with that.

£300 a month after necessities sounds good to me. It's enough for outings or to save for holidays.
I'm a single mother of one and I don't count how much I have going in and out but I'd guess about £200 a month. Most of my extra spending is train fares and trips to the seaside.

What was the amount before the COL?

I’m a single parent of 2 x teens, high rent area and I pay a few hundred a month for dog Walker, cleaner. I have around £1000 next after those paid. Decent but I want to buy in the South East and feel quite poor I can’t afford much. Up north I’d be quite well off

Personally it’s around £500. Household wise I reckon it’s about a grand a month on top of that. £500 goes into overpaying the mortgage abd the rest savings.

We have £3300 per month disposable

In reality - we save the lot

We go on one luxury (expensive) family holiday per year and one week long "cheap break" in September

My children want for nothing

I appreciate we are very fortunate and have six figures in savings

About £1000 that is after all bills (including food shopping) and money into savings. But it is just me and my daughter in our household so food bills are not a lot. We live in a flat as I decided that I would rather have more cash and a smaller mortgage. Childcare is around £160 a month for school club as no longer paying nursery fees. Have modest holidays a couple of times a year. The 1k goes on goodness knows what, it sounds like a lot and I’ll be honest that I just buy things (I never think if I can afford it and I don’t think twice about eating out or going for a day trip). I should really keep better track as I don’t have expensive taste and it really just gets frittered away with £30 here, £20 there, but it soon adds up when you just spend mindlessly on lots of small things. I feel a bit guilty seeing it written down and actually thinking that there’s a lot left over but I don’t track properly how I spend it.

After bills/food budget etc I have £850-900 ish. A third goes straight into savings and mortgage overpayment is already included in bills. so I tend to have £600 ish disposable. Just two of us separate finances. No kids.

Most months a chunk of that disposable is also saved at the end of the month. We have work/decor to do on our house and like a trip or two away. I don’t buy much stuff really and use Vinted much more than shops now.

After all bills, including kids hobbies, we have £75 left.

Approximately nothing.

my earnings vary but usually between £100-300
Im a single parent with 2 kids.

After absolutely everything that needs to be paid for, about £1k. However that easily gets eaten through as my kids often need stuff replacing, the car hates me and chooses to randomly need big repairs, I’m still trying to make my ‘start again’ home liveable, still paying off debts that I got into making a new start, had to pay full dental prices recently as no nhs ones around, kids birthdays/Christmas/friends birthdays/teacher presents and all these things always seem to creep up on me (I’m not organised in the slightest). I am very aware that at the moment I’m bloody lucky to not have to worry despite a series of unfortunate events for the past 8 months. I keep rolling over the same few hundred at the end of the month but there were times were I couldn’t even roll over 50p a week before the end of the month. It’s absolutely shit. It may well be my circumstances again some day, I need a longer term plan.

Around 50k per month.

Jokes.

Such stealth boasting on some of these posts .

Why not?
achievement should be celebrated.

I don't get this. I don't see where anyone has been boasting. Should everyone pretend they have nothing left? Some people will have £1000s, some will have £100s and some may have nothing left, isn't it better to get a wide range of responses? In reality I've no idea where we stand in terms of average disposable income, if it's higher or lower, but there will 100% be loads of people with much more than us. I wouldn't say they were boasting.

Single mum to 2 DC here. I have about 350 per month but I pay for things like car insurance and home insurance annually out of savings so not really sure how that works out iyswim

Roughly £2,000 - £2,500 after mortgage, bills, food shopping etc. Its taken a good few years of ploughing everything we had into paying off loans, credit cards and the like. Now we only have essential bills and mortgage to pay.
We budget hard and give ourselves a set amount each week to spend, whatever's left over goes into our savings.

Approx £3k left over after the direct debits, food, petrol etc have gone out, and we put half of this into a savings account. Thankfully our mortgage is paid off

Roughly £1.5k after all bills, food and petrol etc.
Can be more some months, me and DH are self employed so can pick up extra work when it suits us

Actual free to do anything money is around £400 per month. (Just me and my 10YO DD). But that's after everything budgeted, so hair cuts, hobbies, food, all bills etc. I also put away £550 a month in savings and am overpaying my credit card by an extra £400 a month to get rid of it before my interest free period is up.
so I could have around £1300 if needed, but I aim for the £400.

2k after bills/family savings for me.