After your bills, mortgage and essentials (ie food, petrol) have been paid, how much do you have left over each month?

[ilikeyoursleeves]

I'm just curious as I am trying to see if I will be able to get by on about £0 leftover once we remortgage- eeeeek.

£0

No one can get by on £0!

DH pays for all that and he literally has nothing left over. My salary (I work pt) pays for any extras eg: car tax, insurance, dd's activities, clothes, unexpected bills etc. You will struggle if you have nothing left over because there are always unexpected expenses in the house/car eg: heating breaking down etc! Can you extend the term to make the payments a bit less?

Around £150, but I've not had money for 5 years, just available credit.

I'm sorting this out in the New Year, so I'll have less than £150, still no actual money but I'll be working towards it.

There are always essentials which you've forgotten about (car breaks down etc) and not really essential which you really need to keep going (holidays, days out, treats etc, whatever cost or frequency, you will want some at some time) so £0 isn't ideal. Can't you cut this a bit differently?

Bugger all!
After giving up full time , demanding job after having babies as it was making me clinically depressed am now much happier but very broke.
Mind you was always overdrawn even when earning a good salary so no real change there.
Didn't help DP being made redundant twice but he's working now and we would be okay but alot of money goes in paying off the debt we ran up while he was out of work.
Our spending money, i.e. for food, clothes, going out etc comes out of a little part time job I have and some out of hrs work DP does.
Its amazing what you can get by on if you are carefull. Not exactely fun but feels better being more responsible with our money.
Have a few sleepless nights but we get by.
Better than missing kids early years being a wage slave!

Perhaps the odd tenner here and there. We're veeeeeeeeeeeeeeery broke.

Not a huge amount but enough to buy new clothes, pay for dentist, take kids swimming and on holiday once a year. You can't get by on 0 - you need to rethink.

I have nothing left over each month.

I don't pay everything that needs to be paid usually either, I end up having a mad shuffle when I'm threatened with disconnection and usually make do with cupboard essential food and drop the food shopping.

It's not ideal but it does work, and is doable.

I'm doing this because I'm studying to make life better for me and the family, not sure I could do it just to re-mortgage.

When i write it all down i should have around £400 left over a month!! And i am a single parent with 2dc.
However, i am actually only left with around £100 after all bills/mortgage/petrol etc.
I feel lucky even though i normally consider myself to be poor!

This month £37 per week. It's going to be a cheap month.

We have about £200 a month left but I remember when we first got together in our first flat we had £20 a month left.

About £800 a month... but we have no DCs yet and our mortgage was small in comparison to our earnings (about 1.5 times our income).

Quite a lot but still get caught out when we have a "bad" month

Think you would be mad to choose to have nothing left at the end of the month (assuming that remortgaging is a choice).

Also I guess it depends what you include as essentials. I consider extra curricular activities for kids/haircuts/birthday presents/clothes/days out/newspapers/nights out/wine to be essentials in so far as I don't think it is reasonable to intentionally budget to live without any of these things for any length of time.

After rent, bills, petrol, food etc we have zero pounds and zero pence left.

Like Riv said, if anything breaks then we have to borrow from my parents and cut corners on food until we've paid it back.

Essentials to me is a roof over our heads, utilities, food, small amount of petrol.

LOL at wine as an essential. What happens if you can't have it? Do you expire?

DD is quite happy with free activities. Even without libraries, street theatre etc locally there's all sorts of stuff you can do at home and just outside your front door.

DH cuts my hair, clothes I make or get handed down from relatives. Grandparents also help out there.

Honestly not bothered about nights out either.

It's not ideal but do we have a choice? No. Are we happy? Pretty much.

£0, well I lie, it will be £0 very soon (if I need anything the shopping budget will have to drop for that month), at the moment "on paper" around £150, in reality seems to be about £10-20

Dh - about minus £200 - mortgage and bills £2700 (keep reviewing them but some are non doable like utilities etc and others are essential for work - mobile phone). Then food, petrol, etc. I have about £150 which I use for kids' clothes and toiletries. this is the year we buy nothing at all and try to pay off the £20 grand we owe on cards/ overdrafts. .

I'd like to say it's pretty much zero as long as you budget well, my budget includes things like car tax etc averaged over the year - although we have a substantial savings buffer in the bank too.

Well maybe not expire but I might go ever so slightly wall climbingly mad!

I think we once worked out we had about £70 a month. Once the house, bills and cars are paid for. No savings or fall back which is an arse.

Absolutely no money for haircuts, make up, grown up clothes etc. But then I am part time and I have time to look for bargains and find them over the year. I guess I spend maybe £200-£300 over the year on clothes for dds and maybe £200 on dh and me. We also save Boots points for much needed mascara purchases and what have you.

Mum took us on holiday this year. We do get treats though, I blew the rest of mat leave on a break for us, and will pay off the cost when I go back to work in Feb.

Things like gyms, memberships, magazines, all that stuff has gone over the years. We never ever eat out or go to the cinema and stuff like that. We try not to leave town either, it's 50 miles to nearest other place, a city, but the fuel is a fortune. We live in a very small bubble but it has to be done.