AIBU to ask what you have left monthly after bills?

[Manth0914]

Hi all, I know this is a VERY broad question but AIBU to ask what you have left each month after all bills. Money you use for food, fuel, clothes and so on? I ask as a single income mum of 2 with a part time job. Just wondering with the way things are how people are getting on?

Do you include weekly food shop and savings in bills? Or just actual bills like mortgage, electricity?

no, I do all that with what’s left over.

Okay, after actual bills we have around £3k a month left over. Once we finish nursery fees we’ll have more as nursery and our mortgage are our biggest bills.

This is our monthly budget

Me 3100
DP 4100
CB 280
Total 7480

Housing
Mortgage: 1900.
Insurances(life, house): 150
Property tax: 50
Total Housing: 2100
Utilities
Electricity 150
Waste collection: 25
Broadband & TV: 70
Mobile phones x3: 60
Total Utilities: 305
Food & Groceries
Groceries & household food: 500
Dining out / takeaways: 200
Total Food: 700
Transportation
Fuel: 150
Car insurance & tax: 150
Maintenance & NCT: 100
Public transport / Parking: 20
Total Transport: 420
Education & Kids
School books, uniforms, fees: 50
Activities, sports, clubs: 55
Pocket money/treats: 60
Total Kids & Education: 165
Entertainment & Lifestyle
Family outings, hobbies, gifts: 250
Subscriptions: 20
Miscellaneous expenses (haircuts etc): 60
Personal spends:250x 2 = 500
Total Entertainment: 830
Savings & Miscellaneous
Emergency fund / Savings: 2,000
Holidays (monthly allocation): 500
Clothing: 200
Miscellaneous buffer: 300
Total Savings & Misc.: 3,000
TOTAL MONTHLY SPENDING: 7,480

After rent and bills (but not food or diesel) usually around £1500 left

Yikes! After childcare, bill, food and rent we have approx £400 left.

After all bills (including gym and personal trainer), excluding food about 4K a month…..

After all bills paid £450😬

Around £2400 single income no kids

Single mum of 1. I have £960 left after main bills. I use 250 for food, 250 for savings (that includes putting away for MOT, holiday fund, Christmas etc) and have the rest as spends. I give myself £90 a week into my account and the rest is for clothes etc. Its tight...

After all bills, around £2000. I try to save as much as possible as buying a house last year wiped out a lot of savings

I have about £600 left to do food shopping, any other clothes, shopping etc. I am a single parent too & it’s quite tight.

I always find this hard to work out - e.g. do I count the DCs clubs as bills (most are childcare as well as fun), do I count my bus fare (commuting plus socialising) etc.

We're fine for all the big things (bills, kids activities etc) but I do think a bit more carefully about days our these days.

About £2K left after paying essentials (house/car/tax etc).

I do then have non essential extras like Sky TV, Netflix, hobbies that I could cut back on if I was struggling.

Take home pay of £9,600

Bills total: £5,780 - this is everything: mortgage, utilities, all bills, childcare, kids clubs, food shop, commute, pets, tutor, cleaner.

Left over: £3,820

We usually save around £500-1000 a month.

About £2000 roughly. But almost half of that does go on essentials like food, fuel.

I count everything that is a recurring cost - be that monthly, weekly, quarterly, annually. Obviously some aren’t essential but they’re still regular outgoings.

After all bills, food, savings etc for the month, usually around 1k
I tend to just add it savings or add it to savings and earmark it for something I’m saving for.

sometimes I go wild and do spontaneous trips or buy something not in the general budget, so it definitely can fluctuate slightly

it wasn’t always like this, had a lot of years with too much month at the end of the money so I feel fortunate and grateful for the position I’m in. I still have the too much month mentality for the most part

It's a bit of a pointless poll like anything that involves money on MN.

It will disproportionately attract responses from the haves rather than the have nots and have you wondering where you went wrong that you can't afford to buy the kids a new horse each

Well put.

About 2.5k, have food and fuel to pay for out of that. 2 adults, 1 child and 2 cats

After bills we have between £500-£550, that has to buy all food, clothes, travel and any days out or enjoyment costs. Two adults no kids.

Approx £1500 after all bills including weekly shop paid for

After all costs, bills, child related costs (clubs, school related costs, school lunches, uniforms, clothes etc etc), food, eating out, any subscriptions we come out with 3-3.5k to save/spend on whatever we like (usually our children!). Our mortgage is small at the moment, it will shoot up by about 1k when we move to a bigger house (18 months or so) so we won't be feeling quite so plush, we are hoping some career progression will plug the gap somewhat. We feel very comfortable at the moment but we really don't have an extravagant lifestyle. I'm very risk adverse and don't buy things I can't afford.

Difficult to determine in terms of what counts as a bill but if it helps at the end of the month I usually have about £7 left, no savings. We try to keep food/household products/toiletries to £80 per week, any more than that and I'm goosed.