SAL
Premium Member
Registered: 19th Dec 05
Location: Radlett, Hertfordshire
User status: Offline
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Just wondered what people have to live on, like your monies left after paying bills, rent, insurence etc ?
Im in two minds to get a nice car, which will mean having a bit on HP. I can afford it but will have even less per month.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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House Day
My disposable is about £400 but this includes food round the misses as I'm mostly there, and not home. Probably works out as about £200 disposable.
I don't have a lot of outgoings though. I don't earn a great deal either.
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Huwsi
Member
Registered: 27th Apr 07
Location: Bangor, Gwynedd
User status: Offline
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probably around £700 disposable income after paying bills and keeps a month
living at home with the 'rents FTW
[Edited on 28-08-2010 by Huwsi]
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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If I want to ever finish my house then my disposable income is £0! In reality I try to give myself £50 a week just for me, for beer or for going out etc. Its rare I don't go over that but I'm only being strict with it so that I can get my house done. In reality, my disposable will be £800-£1000 a month after the house is finished
[Edited on 28-08-2010 by LiVe LeE]
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i don't actually know  
with the mrs it's probably about £1500, myself about 1k.
but atm i have a 2.5k credit card bill to pay off so most of the disposable income is going on clearing that.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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If you're asking then it's probably a bad idea from past experience. I'd rather have money in my pocket than a flash car to get me from A to B.
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corsa-sxi
Member
Registered: 11th Jul 03
Location: Kingston upon Hull
User status: Offline
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all my income is disposable, living at home ftw, only outgoings is mobile phone, car insurance and gym, i rarely drink and dont small 
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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I agree with Brett, since the missus buggered off - I've had to be selective about what I've spent out on as I still have to remember that I have the house to finish. I could go out and blow every penny of my disposable income on me and my savings could go tomorrow but then I'd only end up in a worse position down the line.
I came literally minutes from blowing my entire savings on a Ducati 748 a few weeks back because I wanted something for me; something to cheer me up but I'd still have been going back to a half finished, barely inhabitable house and I clicked that I want my place finishing before going mental
What i'm trying to say is balance what's important to you with a realistic level of comfort - if the car is important then do it, but only you can decide that 
[Edited on 28-08-2010 by LiVe LeE]
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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About 1k once I have paid everything off a month, parents, phonebill, credit card (I take advantage of 0% over x months offers!)
I save some of that, £150 goes into diesel and spend the rest on me.
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fred7
Member
Registered: 17th May 04
Location: Rugeley, Staffordshire
User status: Offline
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been in the same mind myself about getting a new car but as loafofbrett said just thinking you might not be able to afford it means you cant really, also u gotta think over the year aswell like xmas is always a crap time for money and if u like a holiday etc, but answer to your question is about £400 but baby is due in 5 weeks so will prob b NIL after!
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Seany
Member
Registered: 13th Dec 06
Location: Dunfermline, Fife : Drives Astra cdti Sri
User status: Offline
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after paying my house and car and other bills like phone etc im left with about £1200 a month disposable, may seem alot but it spends bloody fast
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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disposable income ??
Whats that
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MJFF88
Member
Registered: 30th Apr 08
User status: Offline
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quote:
Originally posted by Twiggy
disposable income ??
Whats that
Money for yourself, not bills. Mine must be about £450 but I'm not on a great wage
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by MJFF88
quote:
Originally posted by Twiggy
disposable income ??
Whats that
Money for yourself, not bills.
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fred7
Member
Registered: 17th May 04
Location: Rugeley, Staffordshire
User status: Offline
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quote:
Originally posted by MJFF88
quote:
Originally posted by Twiggy
disposable income ??
Whats that
Money for yourself, not bills. Mine must be about £450 but I'm not on a great wage
Think he was been sarcastic lol i seen where u was coming from lol
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MJFF88
Member
Registered: 30th Apr 08
User status: Offline
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quote:
Originally posted by fred7
quote:
Originally posted by MJFF88
quote:
Originally posted by Twiggy
disposable income ??
Whats that
Money for yourself, not bills. Mine must be about £450 but I'm not on a great wage
Think he was been sarcastic lol i seen where u was coming from lol
Makes sense now, overly tired
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gtitim
Member
Registered: 13th Feb 05
Location: the boonies
User status: Offline
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Mine = £0 basically. Kids + bills + part-time mrs means very little disposable. If i need it, I buy it. If i want but don't need it, I earn the cash to pay for it doing overtime. Once i know the money is coming, I can buy it. Hard, but thats the price of kids and mortgage. If i lived with parents, my disposable would be over £1200 a month!!
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scoob
Premium Member
Registered: 16th Oct 03
Location: Beverley, E Riding of Yorkshire
User status: Offline
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around £850 once everything has come out. im always skint and somthing always goes wrong with the house or the car.
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Neil Dagens
Member
Registered: 14th Apr 07
Location: Fareham, Hampshire
User status: Offline
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Atm i have about £1k but somehow i still manage to spend it all  But i still live at home with my dad so dont really have many out goings
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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Living at home I've been putting £750+ away per month for my house deposit.
Now I'm buying a place and expect to have £250 left over after all bills and a bit of saving.
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SAL
Premium Member
Registered: 19th Dec 05
Location: Radlett, Hertfordshire
User status: Offline
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quote:
Originally posted by loafofbrett
If you're asking then it's probably a bad idea from past experience. I'd rather have money in my pocket than a flash car to get me from A to B.
Its just iv had a habbit recently of just "spending" If I was too buy a nice car, I would have to stop spending in other areas.
The HP is about £200 PCM which I could easy do on a wk end
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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quote:
Originally posted by loafofbrett
quote:
Originally posted by MJFF88
quote:
Originally posted by Twiggy
disposable income ??
Whats that
Money for yourself, not bills.
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Matt L
Member
Registered: 17th Apr 06
User status: Offline
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old job was about £620 but that had to cover derv aswell which tbf at my old job was around 100/200 a month and i also saved 200 a month unless shite went wrong during the month.
new job is/will be 988 again this will cover derv which will be around 250 a month now and want to try and save 300/400 a month if not more lol.
btw i live at home so thats why i have so much.
[Edited on 28-08-2010 by Matt L]
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Adam C
Premium Member
Registered: 10th Jan 07
Location: Cornwall UK Drives:Arden Blue Gsi T
User status: Offline
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Last couple of months its been a shocking £50 due to no extra hours etc.
When I start my new job Im looking at around £800 to myself.
My Arden Blue Astra GSi MK4 on BBS LM's Project Thread
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corsa-sxi
Member
Registered: 11th Jul 03
Location: Kingston upon Hull
User status: Offline
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£50 a mnth to yourself?
[Edited on 28-08-2010 by corsa-sxi]
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