How much disposable income do you have each month?

[summersadness1]

Ie after all bills mortgage food etc.

Money to do what you like with/save...

Wondering whether I have stretched myself with my outgoings.

About £5,000.
We use DH’s income for all living costs including mortgage, bills, petrol/groceries, personal spends, and savings, and then my salary goes in to a separate account. Currently, we’re saving it.

Around 500/600 for me and 1ds and 1 very large expensive ddog

Sorry @moccaicecream that sounds really tough, so much to help other people - I hope you at least occasionally.sometimes have special days just for you. If you don't you bloody deserve them!

Me and DP share all money (no kids yet) after rent, bills, food, petrol, phone contract etc we have a every 4 weeks around 4K Disposable income to save and spend on luxuries.

We live in AUS and mid 20s but We had much less before we moved .

We have around £700 to cover family outings, dcs clothes, our personal spend, savings, household spends, presents. It does not go far at all as most months dc need one thing or another. We expect to spend at least £300 on uniform and shoes this month!

About 1k, but i'm saving towards a house and try to save at least 600 a month. I fritter too much away on food though, attempting to remedy that.

I honestly don't know. My husband earns well but we seem to fritter our money away without saving any. It really worries me. We do overpay on the mortgage each month. which is good.

We save the equivalent of £5000 every month, but we don't live in the UK anymore, we live in another European country. The salaries are lower here but cost of living is lower too so it works out. This is my husband's salary, I don't work anymore since having our son...but I would love to go back to work at some point.

About £400 after all bills , food, petrol and also my holiday I'm saving for £150 per month. It's not a great deal really I've 2 dc , 1 in school and 1 in uni so paying for mobile contract for uni child . I try and save £50-£100 a month and the rest will go on clothes / shoes/ night out and meals out which are rare . The odd treat like a manicure, make up . Me and dh always take our own lunch to work and may have a takeaway once a month . In 10 years my mortgage will be paid off so hopefully more disposable income to enjoy life a bit more .

Probably around £7-800 a month. Who knows what we spend it on though because we've both run out (we split it) by the end of the month.

Precisely zero. And I have a well-paid job. Just realising the extent of the financial abuse I've had for the last few years.

We have about £4000 after essential bills, food, fuel but this will more than half next year when baby gets here and I reduce my hours and have to pay for nursery. It’s quite high in part because our living costs are quite low. I’m not interested in cars, we only have one, we don’t have any spare bedrooms, shop at Lidl etc etc. Happy living lean though - you never know when it all might be snatched away!

Most of what’s left goes to private pensions and mortgage overpayments. We don’t fritter it. I know what it’s like to be hungry and struggle so I find it hard to spend money - for instance DH still cuts my hair in the kitchen rather than me spend £40 in the hairdressers for a trim.

after Bill's and food and medicines about 50p

We have separate accounts. Cohabiting with a mortgage but no kids I have about £800 which I save and use for spending money . Partner has more.
Northwest certainly not high wages but small mortgage ( not interested in huge house) no other debts. Some billswe pay yearly eg council tax, house insurance, tv license. So come out of savings. No sky just Netflix/prime.
Not rich but comfortable to enjoy life and have a holiday each year.

We are a single income household (cost of childcare for what will soon be 3 kids just isn’t worth thinking about!!). We’ve struggled towards the end of the month for a while, so end of last month, I wrote up a new budget and opened up another bank account to help manage it.
We worked out all our bills/direct debits, over-estimated for groceries & fuel, and leave all that in the joint account. I then move whatever is left over - our “disposable income” - into the new account and that is used for any non-essentials that pop up. This month it should have been around £300 in the disposable pot....but turns out DH is a fucking idiot and got caught speeding So had to kiss £100 of that goodbye pretty swiftly Twat

Ugh, at the minute about £300, usually topped up by 200-300 of dh overtime. I'm part time (3days a weeks) DH full time. Both earn the same so we have a shared pot.
That's to cover petrol, food, children's activities, clothes, birthday presents and parties etc. 🙄 Without any debt and childcare it should be around 1800 (without car finance around 2250!) so I'm dreaming of the day we dig ourselves out of this hole (starting around March 2021 as my handy budget spreadsheet helped me work out!) x

Jesus, so many people with so much disposable income! We are very careful, and are lucky if we have £50-70 left each month, and that gets allocated to clothes/shoes/car repairs etc most of the time. We barely save anything, despite cutting back everywhere we can, including staying put in a house that's much too small for us to save on rent. We don't have any debt, though.

OH isn't paid badly either. Even when I was working and we only had the one child, we were only able to save ~£600 a month.

Hopefully once the kids are older, things will get easier, but I do worry about out of the blue bills every single month.

After all bills, savings and childcare we have £400 each disposable cash. We have 1 young dc and I have gone part time.

About £1500.

Will be about £2500 when I start back work though.

Savings come out of this. I usually save £500 if possible.

I have about £700 just for me. Dp has double that but I have loads of savings which I'm not adding to anymore that I use for holidays and some pensions which will help me to retire early in a few years. Our dc are independent and don't live with us.

It's difficult to say because everyone has as a different view on what an essential is.

After everything in the op we probably have £500-1000 but we spend >£1000/month on groceries for two people.

I hate posts like these. Every now and then they get asked and it can be so difficult for people who are really struggling to read people who have £2k spare after paying for everything. I know thats life, i get it, but i often question the reason someone just asks what money do people have.

I thought mine was high but I actually earn what some people consider their disposable income 😳

Mine is about £500/£600 but is solely mine and not shared with a partner as I am single. Also means mortgage is solely my responsibility...

About 700 a month after all bills, petrol and food. Any 'extra' bulls like annual car insurance come out if that however. It seems alit written down but it always seems to get spent and mostly on the dd's because I don't even go out that often.
Really want to start saving a good chunk of it. Have been noting down all my spending I the last few months and I am starting to cut back a bit to enable savings.

@emma16 I totally agree. I thought I was doing ok as a single mum to 3 young children and since reading this thread I've felt like a total failure. 😭