Disposable Income

Batchy

I like the idea of having over 1k disposable for house improvements, and savings, along with socialising and holidays.

Hence why I've made sure that is the case!!! ;-) all good!

PasturesNew

I managed 2-3 years of £50/month, sitting inside with the lights out mostly. But that's unsustainable, especially as one of those winters I also had no hot water/heating (couldn't afford the £200 to fix it).

ET1976

When I first bought a house (on my own), I had about 60% of my income left over (after mortgage, bills and food - but I'm seriously frugal with energy bills). I built in plenty of contingency as I'm a bit cautious and I was on a variable rate mortgage so factored in a big increase just in case. I was advised at the time that I should have max 50% of my income going out on essentials.

Now I'm in a couple in a larger house and we have about 50% of our joint incomes left over. OH is less frugal than me...

Chinkle

Surely disposable income is what's left after everything else has been paid. I'm sure most of us would like a bit more of it, which is why we're here trying to be as efficient with the essentials so we can have more choice about what we do with what's left.

gb-ww

Thanks for all your replies so far! I was aiming for around £400 which sounds about right. I'd love 1k but that's not really possible, fair do's to the people who can do it though.