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How much money do you have to live on after all bills have been paid but not including food and petrol?

36 replies

ShakeYourMoneyMaker · 26/03/2011 16:58

We have approx £260 per week after mortgage, bills etc have been paid but need to buy food (£100) and petrol (£40) per week out of this which leaves us around £120 for going out, clothes etc. Was just wondering if this is around average, bit of a nosey question I know but I am interested in how average our living allowance is compared to others, I feel like we are quite comfortable but DP doesn't agree. We are a family of 4 - 2 adults and 2 children, and we save approx £100 per month.

OP posts:
satine · 26/03/2011 17:04

Well, you're pretty comfortable compared to me - I have about £60 a week for me and 2 children (for food, petrol and going out, hence not much going out!) but then that's my choice, really, as my children go to a private prep school where I also work. Therefore most of my salary pays their school fees!

activate · 26/03/2011 17:07

after mortgage and bills (council tax, utilities, insurances) about 3K a month

ChasingSquirrels · 26/03/2011 17:08

what do all bills include?
I have dd's for contact lenses, sofa repayment on 3 year interest-free purchase, ISP provider, water, electric, telephone, tv licence, council tax, water.
Some of those are "necessities" and some are luxuries. Which are in your definition of bills?
I have no idea what is average, personally I earn just over £26k but due to child maint I receive, and the fact that I have no housing costs, I feel well off.

ChasingSquirrels · 26/03/2011 17:10

oh yes, insurance on well - thats on a monthly payment via my credit card.
And then pension payments? I have some deducted direct from my salary, and pay another amount from my bank account. Is that "bills"?

NoWayNoHow · 26/03/2011 17:11

After mortgage and all direct debits (incl bills/charity/credit card debt) we have about £600 a month.

CheeseEnforcementAgency · 26/03/2011 17:14

My wages cover bills. Dh isn't working so we are running on as little as possible to spread the redundancy pay! We spend approx £60 a week on food & not a lot on petrol. Most money seems to go to school for dinners & extras.

Bumperlicioso · 26/03/2011 17:23

Um, about -£60 a month!

ShakeYourMoneyMaker · 26/03/2011 18:51

Sorry, should have been clearer, I meant after all outgoings except food and petrol, so all direct debits and standing orders.

OP posts:
activate · 26/03/2011 18:54

including investments or not?

MadameGazelle · 26/03/2011 19:00

We have around £1200 per month after all mortgage and bills, pension payments, savings etc have been paid. But need to buy groceries and petrol out of this which comes to around £600 per month so we have about the same again in disposable income. We are a family of 4 and feel quite comfortable on this

2littlegreenmonkeys · 26/03/2011 19:06

After mortgage and all bills, we have about £60 a week for food and clothing etc. No car so no petrol costs. It is very rare if we have anything left over for saving so things have to be budgeted very carefully. We are 2 adults and 2 children and 2 dogs (which we got before we had DC lol)

It can be a struggle but is dooable. I am looking forward to being able to get back to work myself so we have a bit more money coming in to save. Then we will hopefully be able to afford a small holiday once a year or maybe a car, although I think both DH and I would rather have the holiday with the DD's lol.

somersetmum · 26/03/2011 19:08

After mortgage and utilities we have £2400 per month. After all other outgoings, including savings, but excluding food and petrol, we have £1030 per month. Family of four.

VivaLeBeaver · 26/03/2011 19:10

About 2.5k a month after bills.

upahill · 26/03/2011 19:15

Plenty atm but that could change soon!

ditavonteesed · 26/03/2011 19:19

about 500 after bills, about 70 a week goes on food perfectly comfortable, although obviously dont go out much.

Doobydoo · 26/03/2011 19:20

400 per month for food and clothes.Savings hahaha[not at present] we are 2 adults,2 children and 2 dogs.Would love to know how you manage Greenmonkeys ,we are really struggling.

LawrieMarlow · 26/03/2011 19:21

Not sure as life and financial situation going to change v soon. But if calculations are correct then should have about £500 a month pre fuel and food. That's for me and two children and one cat. That is maximum although bills do include saving for car maintenance, car tax, travel when i work away from home etc

mamatomany · 26/03/2011 19:22

A minus amount usually but hopefully that's about to change, although i've been hoping that will be the case for sometime.

This time next year Rodney we'll be millionaires Grin

2littlegreenmonkeys · 26/03/2011 20:23

Doobydoo, it is a struggle sometimes. Once I left work to have DD1 and after my maternity pay finished we got rid of our car which was our biggest expenditure next to our mortgage. We shop at the local market which luckily is only 10 minutes walk from us (surprising how much food you can fit on a buggy lol)

DH and I very rarely have new clothes and any we do have are from charity shops. The DD's have a lot of charity shop clothes and hand me downs from friends and family (very occasionally they get new clothes from Primark). Our dogs are old and eat very little and can only stomach a dry complete dog food which is about £9 per bag but lasts 2 weeks. We very rarely have 'treats', MIL is fantastic and brings me wine, I am very lucky. We never go out and haven't had a holiday since our honeymoon almost 7 years ago. We save little if anything approx £5-£10 a week but more often than not it gets dipped into lol. Our food bill every week is approx £30-£40 which includes nappies and wipes for DD2 (I am hoping she will be out of them soon) all cleaning things and shampoo etc. Most meals are cooked from scratch and I meal plan to an extent.

It can be hard but I am so used to it now. Once I am working (When DD's are in full time school) things will be easier and a holiday is sorely wanted needed.

doutzen · 26/03/2011 20:33

about £1k a month after bills, before food and petrol.

Dilligaf81 · 27/03/2011 23:39

about £1200 for 2 adults and 4 DC's (one still in nappies)

GemAimee · 01/04/2011 01:02

About £600 a month after mortgage and bills, 2 adults, 2 DSs, 2 ducks, 1 chicken, 1 cat, 1 cockatiel.

We then spend £150 on fuel and as little as I can get away with on shopping! I love the Asda Price Guarantee, I always "win" a couple of quid back. I think they discount their big brands, but I go for the cheapest-per-100g so I mess up their calculations.

I get hand-me-down clothes from DP's mum who buys stuff in optimistic sizes and then passes on the things she can't wear. When people ask "What do you want for your birthday/Christmas?" we always answer "clothes/vouchers/money please".

No savings, unexpected expenses get put on the credit card (naughty, about £2000 owed and pay £150/month in bills) but as long as we're not going backwards I reckon we're winning. We own a tent, so any holidays mean a bigger fuel and shopping bill for the month but that's all!

Trying not to feel jealous of some people's disposable incomes, but the saying goes "You live to your means" so I expect no-one feels well-off unless they've just won the lottery. :)

(Plus, for a couple of years I earned less than my mortgage/bills and lived off an equity release whilst I desperately tried to hold on to my house... see, could always be worse!)

BaroqueAroundTheClock · 01/04/2011 01:15

corrrrr blimey - some of you are more loaded than I imagine Grin and I'm just loving activates "is that including investments" hehehe.

Bumpsadaisie · 01/04/2011 13:27

After all the direct debits and mortgage, about £2000 a month. Train fares (£350) and petrol (£150) come out of that £2000 though.

PDR · 03/04/2011 22:12

Was going to start a similar thread but I would prob just get flamed.

I have just worked out that we have £2400 left per month after all bills.

But it all seems to go Hmm

We run two cars but DH only drives the 2 miles to work and back each day and I have a very economical car and only ferry the DC around really.

We probably spend a lot on food as I am awful at planning and we often get takeaways from expensive restaurants (must stop this!).

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