How much do you PERSONALLY have available to spend each month as discretionary income?

missg2210

£2000+ usually every 4 weeks

Mary_Bing

A bit weird question, as each one's situation varies a lot.

unholyangel

PasturesNew wrote: »

If I have £1 ..... and then meet Mr Right .... it'd change overnight to, possibly £1000.

If you are going to do such a thing as this, then you shouldn't arbitrarily pick your numbers - disposable income is "after housing costs", else it gets queered by people living luxuriously and bemoaning poverty.

Maybe "after work travel costs" would be relevant, but not food etc.

Two people might have £500/month at this point.

If one spends: £150 on heating/water and £200 on food they have £150 remaining.

If another spends £60 on heating/water and £100 on food they have £340 remaining.

Both have the same money, at £500 ... but the one with £150 remaining will be "moaning" that the other's so much better off....

I agree to an extent but I think that doesn't give an accurate picture either.

Someone living in london getting a higher wage than elsewhere but with a mortgage will reap the reward from that higher wage in later years despite the higher mortgage cost. It may be expenditure, but its increasing their assets. While someone renting is significantly worse off because most likely they'll be paying enough to pay someone elses mortgage on the property plus cover the costs & a profit for them.

Obviously the rent/buy divide will apply elsewhere but I included London because the real estate tends to be more profitable.

paye

£2500 left over.

10-15 years ago, I didn't even have a tenner in my pocket.

Domayne

Some people are just nosy, even if situations are different, they like to know what others do...why do you think there are so many of these types of boards and what do you spend on clothes, what are you having for dinner. Why do you think reality television is so huge? It's not a strange question at all, you people who find it strange are actually the strange ones.

gingercordial

It also depends on whether you consider savings to be discretionary spending.

They are not discretionary in my budget because a set figure to savings is put away before counting anything as "left over to spend". I also then give myself a set allowance for spending, and anything still left is also for savings. I don't just get to spend whatever is left over - obviously this is my choice but it's a mentality I have come round to over the last few years after a whole life of uncontrolled spending and it has done amazing things for my bank balance.

enthusiasticsaver

We have always budgeted and at the moment £200 a month goes into DH and my personal accounts each. That is purely to spend on things like hairdressers, personal entertainment and hobbies and clothes. We have around £1800 disposable income though after paying essential bills and utilities and we allow £500 for food and fuel and £300 for joint entertainment so the remaining £600 is saved for house, holidays and car maintenance. Another pension kicks in next year so we will up our personal spends again then.

JennyJukes

Depends on the month.
Technically I have savings I can spend at any time but don't want to.
So from just my wage? I have an amount that goes into savings each month. My "extra" money that I can spend or save (generally end up spending for birthdays, beauty treatments, date nights etc) depends entirely on how much expenses I claim from work, that tends to be my spending money.

203846930

My dad has a negative income, he has to dip into his savings almost every month just to buy food.
He is on a fixed income which does cover all his bills but not his day to day living (or mine)

On the plus side, we do what we want to do and dad doesn't have to go out to work so there is plenty of time for me :T

Loz01

Probably about 150 quid if you mean after paying for EVERYTHING including a food shop.

But what about "days out" do they count or is that an extra? A haircut every 2/3 months? Not every month is the same, last month my car had to have an MOT/Service combined and needed 2 new tyres......... this month my credit card is low so I'm gonna just pay it off (about 80 quid on it) so that's different again.

Whoever said they have £2100 left over WOW..... you're living my dream life