Disposable income

[worldwidetravel2017]

After youve paid -
Rent / mortgage
Food
Heating / water etc
Council tax
Petrol
Tv lic
Any student loan or car finance
Etc

How much disposable income roughly do you have left in your household per month?

Our left over for everything you’ve listed (except “etc” not sure what that would be?) is £3890. Not sure how helpful that is to anyone! But I’m bored enough to go through my spreadsheet and answer…

More than enough but I'm retired and don't have a mortgage anymore either.

Disposable income is different for everyone, depending on their income, outgoings, stage of life and so on.

But even for me now (who had very lean poor days in the past), I can see the COL rising before my eyes nearly every day.

Pointless question. Etc could be hundreds or thousands of pounds a month. You've missed out so many things that are either essential like insurance or car maintenance or, while not strictly essential, most people generally spend a relatively large amount of money on, such that they need to consider the cost before getting to the truly disposable, eg Christmas or holidays.

Plus everyone has different incomes, outgoings, priorities, definitions of 'disposable' and ways of managing their money so you've effectively asked for a random number between 0 and many thousands.

The only thing that can be said is that most people will have less disposable income than they did 5 years ago, because the cost or their essentials has risen more than their income. But that won't apply to everyone. If anyone has had a significant pay rise and/or reduction in costs eg paying off a mortgage or got past the pre-school childcare years, their disposable income will probably have risen.

This is our budget monthly…
Me 3100
DP 4100
CB 280
Total 7480
Housing
Mortgage: 1900.
Insurances(life, house): 150
Total Housing: 2050
Utilities
Electricity 150
Waste collection: 30
Broadband & TV: 70
Mobile phones x3: 60
Total Utilities: 310
Food & Groceries
Groceries & household food: 500
Dining out / takeaways: 200
Total Food: 700
Transportation
Fuel: 250
Car insurance & tax: 150
Maintenance & NCT: 100
Public transport / Parking: 20
Total Transport: 520
Education & Kids
School books, uniforms, fees: 50
Activities, sports, clubs: 50
Pocket money/treats: 60
Total Kids & Education: 160
Entertainment & Lifestyle
Family outings, hobbies, gifts: 200
Subscriptions, books, etc.: 60
Miscellaneous expenses (haircuts,nails): 60
Personal spends: 200 x 2 = 400
Total Entertainment: 730
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

But to answer your question,
Rent / mortgage/insurances- 2050
Food-700
Heating / water etc-310
Council tax-none
Petrol/insurance/tax-400
Tv lic-none
Any student loan or car finance-none

disposable leftover is 4,020

After all the things you listed we have £3000 left. We save a large chunk of that, put some into DCs savings and overpay the mortgage, then we split the rest between me and DH

2500 left
We put 1200 into various savings and divide the rest in 2 to cover personal bills and day to day spending

Are you outside the UK? Just wondering as I thought everyone paid council tax. Or is it included in your rent?

No council tax here in Ireland. We pay property tax annually (mine is 600) but only property owners pay that. So none if you rent.

What is the purpose of this question? What are you hoping to get from it?

Actually sorry it’s just under 500 property tax annually

£3.5k ish

After all bills, food, fuel, savings I don’t leave myself much but this is by choice. I could save less but to me that’s a priority rather than coffee and cake out or a new top etc.

Yeah we save 2.5k of our 4k leftover. Sometimes even more. We’re not very spendy

Just laughing at this, my income is less than some people have as leftover or what they put into savings. The difference in lifestyle when you have two incomes is massive and guess the retirement will be equally different.

I’ve got a defecit of £102 a month at the moment, need to increase hours. Am a single parent.

what a depressing thread, I should have known better.
fwiw, I’m a professional and have worked all my adult life. Just very late in life to the property market, disabled, and recently separated.

Less than £10

About £500 a month after bills etc and saving £500. Mortgage free.

Think I must live in a parallel universe to some mumsnetters, I’m lucky if I have £50 left over, any amount that I do, goes into a contingency fund, for unexpected bills.

Tell me about it. After paying bills and groceries there really is fuck all left. And unlike seemingly everyone else on here I've got zero savings either😅

This subject pops up about once a month on here and never really ends well, so I’m not sure what the op is expecting to get out of it. The first person who responded has more disposable income than my husband and I (both retired) receive per month to live on, yet I still feel subjectively quite well-off. Our income is relatively modest, but so are our outgoings; overall, we can pay our way, have a few small luxuries and still save a couple of hundred pounds a month.

I don’t know what I expected in retirement, to be honest, but we’re both happy enough with the way things have turned out.

Why didn’t you say how much you had left over in your I’m never coming back to the thread Op @worldwidetravel2017

btw I have loads left over does that answer your question?

Roughly £600, I live on my own though with no mortgage and some savings.

Once we've paid our mortgage and bills, we've got thousands left over each month.
We save some, spend some on sensible purchases (furniture, quality clothing, for instance) and piss some away on nonsense.
How it helps you to know that, I don't know.

A lot will depend on age of the poster replying so I'm not sure how helpful responses will be