Money left after bills

[Bibbitybobbityboo86]

Me and my husband sat down tonight to go through our bills

Our outgoings are

Mortgage
Car service plan
Utility bills
Petrol
Phones
Insurance (we’ve got everything insured including good life insurance)
Pension
Tv subscriptions
Kids clubs (swimming club and brownies)
Christmas savings

We’ve got about £650 left. This goes on things like Birthdays, clothes, haircuts, holidays etc…

We have no debt except the mortgage- no
Loans or credit cards

My husband said it doesn’t seem a lot left. I disagree and think this is fine

My question is rather nosey but it’s not the sort of question I could ask people I know.

What id like to know is what do you have left to play with after your bills have come out?

I know it’s probably bad taste - but I just want some perspective

I’ve only got 1 child so that helps cut down our bills

Oh I also forgot to include food in that list as well

A lot more than us!

Around 1k. A bit more if overtime is done.

About £600

2k

Around 2k

Wow 2k AFTER bills!? I don't think this thead is going to be healthy for me!

£600 is loads if all bills and food is paid for.

I know it’s vulgar to ask- I just want to say to my husband we aren’t in a too bad a situation

Do you have any other savings or just what you put aside for Xmas?

That's lots don't worry!

Around £600. We are a 1 child family too.

We don’t have any savings
I just save for Christmas and my daughters birthday

I think that’s quite tight and really you should ideally be saving some of it which makes it even tighter. But a lot of people have less and it’s so able, but not comfortable by any means.

@TrufflesAndToast

I think that’s quite tight and really you should ideally be saving some of it which makes it even tighter. But a lot of people have less and it’s so able, but not comfortable by any means.

Tight?!? With everything paid for??? Dont be ridiculous.

I don't think it's tight, but I do think you need to start saving. If you have no savings, then can I assume you spend the £650 every month? That seems like a large amount to consistently spend every month on non-essentials.

After bills? £0.
Actually I have £0 before all my bills are paid

That would be tight for me if it included food and general fun.

We put £2k into savings and have £1600 a month for food, petrol and frivolous spends.

Sorry, should have added we're saving to move house.

Wow Mintme is that supposed to reassure her its not too bad a situation she is in as requested in OP? You are obviously doing very well. Well done. Have a sticker.

@ballsdeep actually I don’t think I’m being ridiculous at all. The OP said:

We’ve got about £650 left. This goes on things like Birthdays, clothes, haircuts, holidays etc…

Literally every bit of non-bills spending comes out of that £150 or so a week. One holiday is weeks worth of all discretionary spending.

Day to day life doesn’t come cheap when you have kids, and they have a mortgage so as homeowners any home maintenance, unexpected repair bills etc all has to come out of that.

I said it’s do-able, because it clearly is - there is money there and they won’t starve - but I stand by my statement that it’s not going to be comfortable. And bills are only headed in one direction.

We have a combined income of 6200ish and our outgoings are 1500 so 4700 leftover. We save/invest 3k per month. Our outgoings are low though because we have no mortgage, car payments and very little childcare.

Forgot to say we have 2 dc

Do you have to get food out of the £600? Not sure if you've included that under utilities?

@calmrood yes she has said that includes food.