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?

I don’t actually know!! We have around £1.7k a month to buy food, petrol, clothes, meals out etc (we move this into a separate account so it’s away from saving / mortgage / bills / investments etc, and we generally do okay on that but my husband will move more over if we are short. I have access to all accounts but he tends to organise the money as he is great at it. Our kids get what they want / need but they rarely ask for anything and unnecessary extras we get them to buy using pocket money which they earn by doing chores in the house. Neither of us are big spenders so mostly our outgoings are family things

Around 4k disposable after bills per month

Joint net income 7.5k. Bills come to about 1.9k. We are mortgage free and no other debts.

Oh god, and there was me hoping I had 2.49 in my account last night so I could watch something with the kids on Amazon. So interesting to see how everyone else lives

I have seen plenty where people boast on here. That’s up to them. I just find it distasteful when there are millions on the bones of their arse struggling with the COL crisis.
I just won’t comment or look on threads like this anymore. I don’t need the likes of you jumping on me.

About £1000 after everything is taken out. DH is the same so we are currently saving around £2000 a month.

OP asked a question and people have answered 🤷‍♀️

Lots, but we put it into isa's pensions and high interest savings as we are hoping to quit work in 5 years time.

You ways get a bit of that on MN. There are a few people who claim to have very lucrative busy careers but post on MN all day.

Some people are either lucky or have genuinely done well though. We were one of those families struggling not so long ago, and on paper our disposable income is OK, (not great compared to MN posters) but we still have no hope of buying a home and are in our 40's. Some people with less disposable income on here own their homes, so in theory are asset rich instead. Swings and roundabouts.

It's frustrating, but I'm just grateful for being in the middle, but am still pissed off we both work pretty hard just to tread water. We save, then something happens and the savings go, but we are lucky to have them in the first place. I think childcare and rental costs have contributed the most to this frustration tbh. The government have ensured that regular families stagnate despite both families bringing in two FT wages. Our wages have not kept up with inflation at all.

I mean £3-4K

But I suspect I'm older than many of you, kids are adults and mortgage is paid off

Just totted it up for the first time in a while and after bills, pension, fuel and food we have £3000 left for everything else a month. I remember vividly when our entire income for the month was £3000 so we do appreciate it and watch it carefully.

lol, 'disposable income'. good one.

About £1200.

We have around £700 after everything has been bought/paid for.

How do you know if anyone is boasting? What would the point be on an anonymous forum?
OP asked and PPs have answered -she/he hasn’t said: don’t bother answering if you have a lot spare.

Jumping on you? Nothing aggressive at all there, just pointing out it would probably not be what OP is looking for if only people with a certain amount left commented, or people with over X amount didn't post.

Separate finances here.
Once I've paid all my bills/share of the bills I've got around £900 left, but I try and save half of that and budget £100 a week for fun stuff. To me this is loads, as up until recently I had a lot of debt and every spare penny was going to pay it off.

We're retired now so no mortgage. After bills, food vehicles and all the other necessities are sorted we have £3000 a month. Most of which goes on holidays, days out and social life. We also have savings in an account for the house/vehicle replacement/clothes/emergency fund and also premium bonds/Isas which we don't touch atm.

All of my take home salary and most of my husband's, so quite a lot.

No idea. I just spend what I want. Sometimes I have a spurge and spend loads and other months not so much. I’ve always money in my accounts though so clearly I’m not overspending.

After mortgage, bills, investments, savings, food and travel etc we have about £2.5-3k left a month. We don't have kids yet though. We put most of it aside for holidays

Not enough currently! I have relied for years on savings and extra cash from selling assets ( I used this flip houses at one point), but they are dwindling. My youngest has just turned 18 so I've lost not only child benefit but also widowed parents allowance which was over £6k/year. I'm having to budget much more carefully these days.
So I'd say we have about £400 after fixed bills and food to spend on petrol and incidentals. It's just me and two teen kids.
I've started a side hustle but yet to make any real profit.

All our money is allocated to renovations as we live in a doer upper, but if it is useful, I have worked out what we have left after bills, food and fuel. It has slowly increased over the years due to payrises.
2023 £3761.99
2021 £3011.16
2019 £2076.13
2017 £1343.39
We are both on very average wages but we have low outgoings and are always looking to reduce them. We don't eat out often and I'm happy to wear Primark and Matalan clothes.

Quite a lot after everything has gone out.
dh I’m presuming has similar, we get paid into our own account, put the relevant amounts into the bills account and then savings accounts (we have joint ones for household stuff, savings, ones for the dc and then our own separate savings) and the rest is our own.
I don’t really need to watch what I spend and whatever is left over the day before payday goes into my own personal savings.