Prices going up made me wonder how much spare cash people have each month to play with. Not to brag, just out of interest! How are you adapting to the cost of living crisis?
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My wage fluctuates depending on my overtime, but based on my basic salary about £600 is disposable. However I think more needs to go into our joint account, so realistically might be £500 now.
ETA: I've just taken off my regular bills/direct debits. Food and household bills comes out of our joint account.
I'm classing petrol costs in disposable income.
ETA: I've just taken off my regular bills/direct debits. Food and household bills comes out of our joint account.
I'm classing petrol costs in disposable income.
I think things have certainly steadily gone up and up for sure. It’s the things you don’t notice in the super market and sky just adding a couple more pounds but it all adds up!! I’ve just worked mine out, I do save a chunk of it but I’ve got about £1500 left after everything (before saving) which I realise is a healthy amount. I am very money conscious and careful in order to afford us some of the nicer things we want.
After food and bills about £200 which would cover any emergencies.
I’m about the same as you I think although it is getting less every month
I realise I am lucky to have any disposable income at all, but the amount is horribly dwindling due to cost of living and my second baby is starting nursery in summer so once that happens we will have about £500 a month as a family for entertainment/birthdays/trips/clothes /miscellaneous etc. This is after every regular cost (mortgage/bills/food/fuel) has been deducted but some are luxuries e.g cleaner and hello fresh. Don’t think we will be taking any holidays etc on this amount, even staying in the uk is extortionate now. In a couple of years when nursery free hours kick in it should be better (It only costs me £135 a month for my three year olds full time place). Not going to lie I am worried about our electric bill doubling and slashing our spare income. We could also do with a new(er) car but that would be madness in the current climate
Currently about 3k but that's soon changing so no gloating here! We've just had a baby so I've not long started maternity leave, where I get paid only SMP, so my monthly income will go from about 2k (depends on overtime) to £600ish - then I want to be a SAHM once ML is up.. it's going to get tight. Out income will halve. We purposefully overpaid our mortgage as much as possible so now our outgoings are quite low, as we always had the intention of me staying at home once we had little one (planned it for years before we had him!). Our job (me and DH do the same work) just doesn't work around children, when both parents are doing it, as they expect so much overtime and weekend work. It's all happening at a bad time for us though. You can prepare for years, but then this happens!
Zero. I’m a single disabled mother on benefits, I used to work and have money, recently got inheritance but that’s just holding me up through everything going up. I get £35 a week from my child’s father who has managed to somehow save £10,000 whilst I tell our child to put a onesie on because I can’t afford to have the heating on all evening. I would work but I can barely afford the electric to charge up my wheelchair or the fuel for my car to get to work. Take me back to 2008 when I was on a first class cruise around the Caribbean with thousands in spending money, enjoy what you have in the moment because you never know what the future brings.
Technically 400. We really struggled over lockdown, my mum had to lend us money just to buy food, then things picked up for a while and we were comfortable. But recently every month has brought events (weddings, car breaking down, council tax, nursery fees) which mean we've ended up in our overdraft. It's so stressful as we've got no safety net for emergencies and things just seem to be getting worse. I know we're still very lucky and I feel guilty for worrying but it is stressful.
Around £1000-£1,100 for me
. Although we are in a good position we have started making small changes with the current price rises.
I live at home and I’m currently buying a house so my parents don’t charge me (I used to pay them until saving for a house). After bills and petrol I usually have around £1800 leftover but try to put £1500 into my house savings. The last few months I’ve been putting a bit into a few different savings account for holidays as well. I usually give myself £200 to spend on doing things a month, sometimes more if I know I have things planned.
Does depend on how much overtime I do though. I don’t think I actually know my monthly wage without overtime since changing jobs a year ago as I’ve always done some overtime.
Does depend on how much overtime I do though. I don’t think I actually know my monthly wage without overtime since changing jobs a year ago as I’ve always done some overtime.
Literally not a penny. Bills and running costs, clearing debt etc. Two full time roles, still needing UC top up.. its a bit tit
100%
Ever thought about working from home? With the advent of the pandemic many companies are offering full/part time hybrid contracts. I have always been a FT office worker but looking to change this.
Sorry to hear about your issues to heat the place. Hopefully none of you will get ill as a result of this. Perhaps leave the child with the father extra days? If you live close by week on/week off could be an option?
As for his savings... the harsh reality is his money, his call. £35 a week might not be enough for food/clothes etc but £70 should do? His and yours contribution - it takes two to tango and all that. I am surprised you are aware of how much he has saved (no one in my family knows how much I earn, let alone how much I have in savings). Believe it or not I am not having a go at you. The situation hit close to home...
Get some financial advice regarding you inheritance (try put some money aside on short/long term investments). Please, don't let it all go to cover your basic needs.
You may not be able to see that now but there is light at the end of the tunnel.
Best of luck!
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After bills and food around £1500 left and we invest most of it. We don’t go out to restaurants or get takeaways, we go out to the pub for a drink every 3-4 weeks and that’s it. I’m bad for buying things like candles, new cushions and new bedding (basically all home decor items) but I’m trying to reign that in as there’s no need.
About 9 -10 k currently after food, bills and diesel. It fluctuates between jobs so it can actually sometimes go down to zero but we have back up savings for that.
We don’t have a mortgage or children. Some of it goes into investments and savings and the rest on holidays, hobbies and nice stuff for the house and gardens mainly. The animals cost us a fair bit too but they’re worth it.
We are lucky that we don’t feel the effects so much but it doesn’t mean we don’t notice it. We are both from low income backgrounds and I don’t think you ever forget growing up poor.
We don’t have a mortgage or children. Some of it goes into investments and savings and the rest on holidays, hobbies and nice stuff for the house and gardens mainly. The animals cost us a fair bit too but they’re worth it.
We are lucky that we don’t feel the effects so much but it doesn’t mean we don’t notice it. We are both from low income backgrounds and I don’t think you ever forget growing up poor.