Disposable income

tlc678910

I think the issue of food as disposable income or not is complicated by the huge variations in what you can spend on it.

I've been using YNAB for quite a while and I can see we are spending over £600 a month on groceries Two adults/child and toddler. That is crazy and we can't afford it (we have debt and struggle to afford a holiday).

Our main isdue (i think is lack of planning and going to the shops all the time due to this) I am determined to tackle this and inspired that if I can get my shopping spend down to £300 then our disposable income for other things will shoot up £300 which would make a huge difference to us.

bilko89

Obviously it's all relative but I have £100 left over which goes straight to debt. Need to get something sorted however as I have no emergency funds available if something goes wrong with my car, appliances etc....

Tiglath

I bring in £6090/month after tax, and salary sacrifice into my pension. I give hubby £1000 as he doesn't work and manages the land. I pay the usual household bills including food and animal costs. I allow myself £300/month personal spending. Everything else is unavoidable household bills and overpaying the mortgage so it's paid off by the time I hit 60 (no other debts). Whatever's left over at the end of the month is swept into my personal savings, and I do tillytidying throughout the month into personal savings as well.

[Deleted User]

Zero. For next two months at least.

Even Stepchange said my savings should be £15 per month rather then £20.
For all the high and mighty who like to say you should save.