After bills, how much do you have left?

[Mummsnett]

Curious to know on average what others have left after all bills are paid?

Just tallied mine and after mortgage, utilities, car loan, petrol, childcare, groceries it's about £200-£300.

I'm a single parent. How do others compare?

@MatildaIThink

More than you but I have no childcare, no debt and no loans.

I'm also probably at a different stage in life to you.

Recently retired
Pension £4000
No mortgage
All bills including sky, insurances etc £1000
Food £1000
£2000 left for entertainment/fun money.
Holidays, spa membership, council tax come out of another pot of money.

@MyDcAreMarvel I tend to batch cook everything and just get it all from Aldi and Lidl which I’ve found saves me loads! Also my figures were just for me, my partner also spends about £50 a month so around £100 for food for two a month/£50 each

About £1500, but I don't have children, live a very frugal lifestyle, walk almost everywhere, and am saving for a deposit.

Hi

I've been reading these type of posts on Mumsnet since 2014 and they are so good and really helped me, but also remember it is relative to being single, a couple, cost of of your rent/mortgage and transport, benefits, kids and no kids. Look at my life numbers below and please be encouraged!!! I started reading these posts on Mumsnet at time when I had £3 left over every month with my DD and partner.

As a previous single person (no kids at the time or partner)
Income £1000
Bills £50 (no bills only contributed to parents)
Remaining £950

When I and my partner moved in together
Total income £2000
Bills
Rent £660 (Inc ctax, water and TV license)
Phones £40, transport £160, food £300, netflix £5.99, Now TV £9.99, charity monthly £200+
Total outgoings: £1375.98
Remaining: £624.02

When we had our first child (I worked part time, partner was full time parent) this was just 6 years ago!

Total Income after tax (Inc benefits)
=£2149.11

Bills
Ctax £150, rent £1150, phones £40, internet £30, transport £150, gas & electric £90 water & sewerage £30 + food £350 + netflix £5.99 Now £9.99 TV, Debt £40 total, monthly charity £100
Total outgoings £2145.98

Remaining = £3.11

Now we've had our second child who is of school age.

Income after tax (no benefits, partner and I work part time)
Total Income =£3615

Bills
Ctax £112, mortgage £243, phones £20, internet £26, transport £0, gas & electric £90 + food £350 + netflix £5.99 Now £9.99 TV, Debt £0 total
Total outgoings £856.98

Remaining £2758.02

It's important to note what's mainly driving this is my outgoings have fallen due to not living in London anymore (2 bed flat was £1150 and 3 bed house is now £243!) both changing careers to a better paying industry, working from home, partner also working and us not needing childcare. It is very relative! Good luck ❤️

I think you also have to take into consideration where people work, so for example if you work in a city like London, your bound to be a high earner, as there more abundance in jobs. I live in the middle of nowhere, I'm a cleaner however it also depends on what someone's going to inherit, cause some will inherit houses, so they won't have to worry about bills, I think people forget their pension is an important bill, but people forget cause it's taken out straight away. However I did want to find this out to for curiosity sakes and I'm glad someone asked. 😉

About 30% of our income goes on bills

30% savings
30% spending - clothes, hair/beauty, hobbies, socialising, house stuff
10% holidays

Our fixed outgoings are low (imo) at €1200 a month for a family of 3.
This doesn't include petrol or groceries because petrol costs are so variable, anything from €0-€150 and I'm at the stage where I don't even what we spend on groceries anymore, it's going up every month. Pension comes out at source. No childcare or loans.

Keeping our outgoings low means that we have a lot left over at the end of the month but with a toddler now and hoping to have a second child asap we need want a bigger house and a better car so we will probably have significantly less left over in the near future.

Household income of £9.5k a month.

Last month we had £-1500 left over due to one off bills and booking holidays and went into our overdraft. This month likely to be the same as we have building costs to pay. Overspending is never a concern though as we have a big line of credit as a back up - credit card with a £20k limit and a £5k overdraft - and regular monthly income to clear it quickly. I was telling a friend that I was stressed as I haven’t been in my overdraft for about 10 years but I guess the difference this time is that it’s easy to clear.

About £800 - 900

Single parent

Between 4k to 6k a month

Phone 25
Car loan 400
Bills 200
Petrol 300
Loans 900
Direct debit for furniture 250
Food 300

No childcare costs work 4am to 8am and then when the kids go to bed

It's all a bit hectic

Disposable probably a couple of grand but it goes into savings. We don’t really spend on anything frivolous across the month. A couple of coffees maybe.

Forgot to add clubs for kids 250
Charities I support 200
Meals out 200

Probably around 1200pm. But with pension annual allowance probably going up to 60k we'll put all of that in the pension.

After bills and savings about £1500 a month. But that has to pay for food petrol, days out, clothes. Like everyone else I guess.

No mortgage so £1760 left after all other bills

Approx £1800 before savings.
2 incomes, low expenditure, no kids,

Nothing!
Mortgage and council tax £1800
Utilities £370
Debt £800
Tv licence, streaming and broadband £100
Food £600
Insurances £150

Massive life fail somewhere along the line.