Disposable income

[illmonkey]

After clearing a pot load of debt recently, selling/buying new car and sorting out gas electricity i've now got everything to come out as soon as im paid. Leaving a clear cut of what I have left to spend each month.

Between me and my other half we own a 1 bed flat (mortgaged), a Cooper S (loan). No other debt. Take into account utility bills and insurance etc. But not petrol and food costs we seem to have around £800 a month to cover any variable (savings, food, petrol, fixing things etc)

What do you think is reasonable/what do you find you have left (and your lifestyle)?

[okgo]

I pay my rent and bills/loans/cards and I have about a grand left each month to do whatever with.

I think I am going to hammer it so I am not in any debt, then save for a while.

[Asterix]

Plenty but I'm not a big spender - don't get me wrong, I like the good things in life, but I like to savour them and don't splash out that often.

[V8mate]

Could be a divisive thread. My bank balance is bigger than your bank balance?

[Altrezia]

Feck all in recent months. Wife on maternity, and not going back to work.
I have about £50 to myself for the month now.. ha ha.... ha.

[missliv]

Enough to live on and keep an ok-ish social life. Not enough to put aside for a deposit on a house or go on a proper holiday.

[okgo]

V8mate said:

Could be a divisive thread. My bank balance is bigger than your bank balance?

Everyone gives it the "worst I earn more than you thread ever" but you will see that the real popular p&p threads on here often revolve around who has what one way or another.

[Hedders]

okgo said:

I pay my rent and bills/loans/cards and I have about a grand left each month to do whatever with.

I think I am going to hammer it so I am not in any debt, then save for a while.

I am lucky to have £3-400 for myself at the end of the month. The only time in my life i have ever felt like i had a bit more money than i actually needed was the five years i worked in the States

[kambites]

800 a month should be plenty if you're not doing much traveling, both of the automotive and holiday variety but I doubt you'll be saving much.

[Neil_H]

How long is a piece of string...

My amount would be "as much as possible", I end up with a few grand usually but it certainly doesn't feel like it. The more you earn the more you spend and vice versa.

[okgo]

Hedders said:

okgo said:

I pay my rent and bills/loans/cards and I have about a grand left each month to do whatever with.

I think I am going to hammer it so I am not in any debt, then save for a while.

I am lucky to have £3-400 for myself at the end of the month. The only time in my life i have ever felt like i had a bit more money than i actually needed was the five years i worked in the States

I am only young bear in mind, so I dont have any big debts so its not the fact I earn lots of cash, its the fact I have not given myself enough time to saddle oneself with debt..

Mind you the amount in poxy rent I pay I may aswell have a mortage somewhere.

[Asterix]

okgo said:

V8mate said:

Could be a divisive thread. My bank balance is bigger than your bank balance?

Everyone gives it the "worst I earn more than you thread ever" but you will see that the real popular p&p threads on here often revolve around who has what one way or another.

It can be interesting but without a number of reference points - Age, Industry, location etc... they're always a bit worthless.

Anyway - fair play to those that are doing well and best of luck to those that aren't...yet - your time will come.

[okgo]

Asterix said:

okgo said:

V8mate said:

Could be a divisive thread. My bank balance is bigger than your bank balance?

Everyone gives it the "worst I earn more than you thread ever" but you will see that the real popular p&p threads on here often revolve around who has what one way or another.

It can be interesting but without a number of reference points - Age, Industry, location etc... they're always a bit worthless.

Anyway - fair play to those that are doing well and best of luck to those that aren't...yet - your time will come.

It can be but then, paupers like me don't mind saying, but people with real money never get involved so its kind of worthless

[CLK-GTR]

Everything im left with over £400 a month goes into a seperate account to be siphoned off into various investments. £50 a week food, £50 a week play

[jimmyjimjim]

Hedders said:

okgo said:

I pay my rent and bills/loans/cards and I have about a grand left each month to do whatever with.

I think I am going to hammer it so I am not in any debt, then save for a while.

I am lucky to have £3-400 for myself at the end of the month. The only time in my life i have ever felt like i had a bit more money than i actually needed was the five years i worked in the States

That's one of the many reasons I like it here!
My disposable income about doubled by coming here. So, rather than disposing of it, I'm saving like a loon.