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How much do you allow yourselves for 'personal spends?'

13

Comments

  • Liz33
    Liz33 Posts: 155 Forumite
    OMG you guys are so good i'm embarrassed that my spends are £200 per month and even then I quite often go over, god know how I don't even go out that much really need to sort that out in the new year along with my food spends need to start planning menus again.

    i'm off to look at the frugal threads!
    Sealed pot challenge - £400 no.491
  • cake21
    cake21 Posts: 1,039 Forumite
    mark5 wrote: »
    We also spend £100 on one nice meal per month.
    staffie1 wrote: »
    Where do you go, the Ritz? ;)
    I was wondering that too, cheap meals out are one of the many things I like about Swansea :D
    Liz33 wrote: »
    i'm off to look at the frugal threads!
    Welcome to frugaldom! :beer: I haven't got off to a fantastic start, bought the cutest toy laptop and an angel outfit for my niece today - at least the angel costume was reduced :o
  • hillcats
    hillcats Posts: 899 Forumite
    Part of the Furniture 500 Posts Photogenic
    edited 31 December 2009 at 8:04PM
    Excluding all bills, I personally would think that £40.00 P/M would be too much for me. SWMBO I would guess at around the same TBH. So we are good really.
    ORIGINAL MORTGAGE AMOUNT £106,454.00 (Started Sept 2007)
    NOV 2021 O/S AMOUNT £1,694.41 OUR DEBT REDUCED BY £104,759.59 by std regular, over-payments & off-setting.
    BofE +0.19% Tracker Repayment Offset Mortgage Discounted Sept 07-10 then increased to BofE +0.62% until 2027
  • Tesco_points_addict
    Tesco_points_addict Posts: 3,242 Forumite
    mark5 wrote: »
    tpa, your Welsh?



    Erm, well, er, I live in Wales:p

    TPAx
    MFW - We've only gone and blooming done it!
    May 2013:j
  • mark5
    mark5 Posts: 1,365 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    There's loads of nice places you can go in and around Swansea,

    Maes Yr Haf (Three Cliff's)
    The Great House (Laleston)
    La Parilla (SA1)
    Chelsea Cafe

    3 courses, 2 coffee's a couple of nice bottles of wine and your in three figures.
  • Tesco_points_addict
    Tesco_points_addict Posts: 3,242 Forumite
    mark5 wrote: »
    There's loads of nice places you can go in and around Swansea,

    Maes Yr Haf (Three Cliff's)
    The Great House (Laleston)
    La Parilla (SA1)
    Chelsea Cafe

    3 courses, 2 coffee's a couple of nice bottles of wine and your in three figures.

    Sounds delicious, but the taxi home would be a bit steep for me!;) I do think everyone should have a treat to look forward to every month. Mark are you a MFW? EDIT: ignore me, just read your signature! Doh!!

    TPAx
    MFW - We've only gone and blooming done it!
    May 2013:j
  • mark5
    mark5 Posts: 1,365 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I'm not committed enough to clear my mortgage in a few years like, financial bliss will do!

    We bought our 2nd house in 2006 for 216k with a 140k mortgage its on a fixed rate until 2011 and the mortgage was due to finish when i'm 51(2031). I'm 29 now, wife is 30 and we have a daughter nearly 1.
    Its a good size 4 bed detached so we wont need to move again.

    Providing interest rates dont go sky high I think we can clear our mortgage in 11/12 years (aged 40/41ish) without any problem,i've been playing around with mortgage calculators.

    We enjoy our night out once a month and would rather this than 2 or 3 cheaper nights out where the food isnt so good and the service poor not to mention we couldnt get baby sitters that often!

    So yes i am a mfw but more part time not full time!
  • cake21
    cake21 Posts: 1,039 Forumite
    hillcats wrote: »
    Excluding all bills, I personally would think that £40.00 P/M would be too much for me. SWMBO I would guess at around the same TBH. So we are good really.
    What is SWMBO please? :confused:
    mark5 wrote: »
    3 courses, 2 coffees, a couple of nice bottles of wine and you're in three figures.
    Ooh agreed, La Parrilla is very nice. But I thought you meant £100 each, not £100 per couple :o:rotfl::rotfl:
    (TPA I walk home :p)
  • mark5
    mark5 Posts: 1,365 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Very nice, shame you cant book if there's only 4 in your group!
  • hillcats
    hillcats Posts: 899 Forumite
    Part of the Furniture 500 Posts Photogenic
    cake21 wrote: »
    What is SWMBO please? :confused:
    She Who Must Be Obeyed :cool:
    ORIGINAL MORTGAGE AMOUNT £106,454.00 (Started Sept 2007)
    NOV 2021 O/S AMOUNT £1,694.41 OUR DEBT REDUCED BY £104,759.59 by std regular, over-payments & off-setting.
    BofE +0.19% Tracker Repayment Offset Mortgage Discounted Sept 07-10 then increased to BofE +0.62% until 2027
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