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Disposable income
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By *litterbabe OP Woman
over a year ago
hiding from cock pics. |
What do you spend your disposable income on? Basically what's left to spend, after all your commitments are sorted.
Do you give yourself an allowance, do you spend what's left after everything's paid, or do you just buy what you fancy regardless?
For me it's mostly spent on family meals.
After that, attending clubs, including transport and drinks.
(And latex and lingerie and other sexy items to take there).
I have a good collection of toys, which I have invested in heavily, but I won't be buying any more for a while as they don't get used often as it is.
(Unless my doxy dies,in which case I will be immediately purchasing a replacement) |
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Sports stuff
Gym
Family activities
Occasional meals out
Holidays
Mr KC's toy soldier habit
Very occasionally clothes for us
Mr KC sets himself a monthly budget for his toy soldiers (his choice, he doesn't have to). The sports activity costs are pretty consistent month to month and the rest we decide together, usually. That said, if I wanted to buy a dress, I will. Similarly, if he wants to buy himself something, he will. We trust each other enough (everything is joint)  |
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I'm currently saving to buy my ex out of their share of the house but any extra, I let build up for a few months and make a big purchase like a watch or some other thing I can obsess over for weeks on end! |
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I'm a saver. I put into an ISA or into my pension. Some of it goes on musical things (instruments and CDs), some on eating out and holidays, but my main a is to 0ut it away for when I need it. Luke |
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By *rHotNottsMan
over a year ago
Dubai & Nottingham |
I get rid of as much as possible at source , pension, investments etc and keep minimal in current accounts or instant access so that big purchases have to be planned. I run a couple of interest free credit cards for non essential spending , it’s not the best idea tbh you spend more than you would otherwise |
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By (user no longer on site)
over a year ago
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I can't honestly say. As a single man, I can't say I dispose too much of it on what I can see the physical results of. I go to the cinema, cafe, meals (yes, I'm that sad bugger of a lone diner in the corner). Things like that, I suppose. |
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By *avie65Man
over a year ago
In the west. |
I don't tend to think of it as disposible income. I just spend it on whatever takes my fancy rather than planning what to spend it on.
At my age it's a good feeling to be able to do this rather have to justify it to myself. |
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By *litterbabe OP Woman
over a year ago
hiding from cock pics. |
"^^ I forgot coffee. About £30 a month goes on coffee"
If you have a local pret, they do a monthly subscription, for £20 you can have up to 5 drinks a day including smoothies and coffee.
For those who spend a lot on coffee, it could be a saving, plus you get the other drinks too. |
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By *avie65Man
over a year ago
In the west. |
"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
I was so excited yesterday, I had enough beans collected to get a free coffee "
I currently have 12 free ones on my card. (Smug) |
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By *avie65Man
over a year ago
In the west. |
"^^ I forgot coffee. About £30 a month goes on coffee
If you have a local pret, they do a monthly subscription, for £20 you can have up to 5 drinks a day including smoothies and coffee.
For those who spend a lot on coffee, it could be a saving, plus you get the other drinks too."
I saw that at the start of the year. Didn't I cayseca bit of a backlash as shops were running out of certain drinks? |
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"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
I was so excited yesterday, I had enough beans collected to get a free coffee
I currently have 12 free ones on my card. (Smug)"
Wow, let's have a coffee party |
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By *avie65Man
over a year ago
In the west. |
"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods "
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story.  |
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"^^ I forgot coffee. About £30 a month goes on coffee
If you have a local pret, they do a monthly subscription, for £20 you can have up to 5 drinks a day including smoothies and coffee.
For those who spend a lot on coffee, it could be a saving, plus you get the other drinks too."
I haven't noticed a prêt. We do spend a fair bit in independent coffee shops though  |
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"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story. "
We drink a lot of coffee. I don't think £30 is bad for two people (it might be slightly more) when you consider what some people spend on beer,wine and spirits in a month to drink at home. |
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I spend what is left after everything is paid and I've put away the minimum I want to save. If I have anything extra left at the end of the month I'll usually put that into savings unless I want something specific and didn't think I could afford it.
I spend my disposable income on drinks and entry for clubs/socials and the odd take away, occasional meals out and day trips.
For things like clothes, lingerie, make up, etc I make an assessment on if I can afford it in a particular month and sometimes decide to go without the things in the paragraph above if I really want something.
For more expensive things like holidays I save up. |
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By *.L.0460.Woman
over a year ago
Bognor Regis |
I save some & enjoy some! I've had lots of cosmetic surgeries following a massive weight loss- I've spent nearly 20k in 3 years & have more to do- I travel abroad for this, because I couldn't afford UK prices, unfortunately. |
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By *avie65Man
over a year ago
In the west. |
"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story.
We drink a lot of coffee. I don't think £30 is bad for two people (it might be slightly more) when you consider what some people spend on beer,wine and spirits in a month to drink at home."
That is very true. Thank goodness I get cashback on my monthly spend in a coffeeshop and the free ones. |
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"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story.
We drink a lot of coffee. I don't think £30 is bad for two people (it might be slightly more) when you consider what some people spend on beer,wine and spirits in a month to drink at home."
Its around a tenner for coffee and a bun for two people so it soon adds up. If you enjoy and can do it is all that matters. I love a nice coffee and a cake at weekend somewhere. As long as its not too busy, with shouty people and screaming kids. |
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By (user no longer on site)
over a year ago
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"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story.
We drink a lot of coffee. I don't think £30 is bad for two people (it might be slightly more) when you consider what some people spend on beer,wine and spirits in a month to drink at home."
If people spend £3 on a shop coffee then that's only 1 coffee per week each. |
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By (user no longer on site)
over a year ago
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"I save some & enjoy some! I've had lots of cosmetic surgeries following a massive weight loss- I've spent nearly 20k in 3 years & have more to do- I travel abroad for this, because I couldn't afford UK prices, unfortunately. "
  |
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"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story.
We drink a lot of coffee. I don't think £30 is bad for two people (it might be slightly more) when you consider what some people spend on beer,wine and spirits in a month to drink at home.
That is very true. Thank goodness I get cashback on my monthly spend in a coffeeshop and the free ones. "
We used to frequent a tiny independent run by a French couple who made the best coffee we've ever tasted. They had a reward scheme which we made good use of but sadly they just couldn't make enough to keep going. |
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"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story.
We drink a lot of coffee. I don't think £30 is bad for two people (it might be slightly more) when you consider what some people spend on beer,wine and spirits in a month to drink at home.
If people spend £3 on a shop coffee then that's only 1 coffee per week each. "
When I meet friends in a coffee shop, which happens a lot we always have two each. We're usually talking so much we need it  |
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By (user no longer on site)
over a year ago
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Try put hundred pounds a month away for holiday past two months only 60 due to rises in gas prices and fuel duty want to try Greece this year if possible |
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These days about 2/3rds of my income is disposable and I save nearly all of it (don’t know why, I just know what it’s like to have been below the breadline and have a fear of going back there).
The rest I spend on horses and riding |
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By *os19Man
over a year ago
Edmonton |
This may not make a lot of sense but I will explain as best as I can.I tend to save money in a instant access savings account and a ISA.I do however have what can be described as a gambling problem where by I can place bets on sporting events like football accumulators ,horses , snooker and various other sporting events anything from £10-£50 a day most days. I will occasionally have a crazy moment where I will take part in a pool match or poker game , casino night where I could quite easily blow £2k.Overall I am what I would call a percentage player I never lose more than I can afford never been overdrawn , mortgage free , savings to tap into at any time for a newer car , holiday and I work full time 36 hours a week Monday to Friday. |
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By *os19Man
over a year ago
Edmonton |
This may not make a lot of sense but I will explain as best as I can.I tend to save money in a instant access savings account and a ISA.I do however have what can be described as a gambling problem where by I can place bets on sporting events like football accumulators ,horses , snooker and various other sporting events anything from £10-£50 a day most days. I will occasionally have a crazy moment where I will take part in a pool match or poker game , casino night where I could quite easily blow £2k.Overall I am what I would call a percentage player I never lose more than I can afford never been overdrawn , mortgage free , savings to tap into at any time for a newer car , holiday and I work full time 36 hours a week Monday to Friday. |
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"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story.
We drink a lot of coffee. I don't think £30 is bad for two people (it might be slightly more) when you consider what some people spend on beer,wine and spirits in a month to drink at home.
If people spend £3 on a shop coffee then that's only 1 coffee per week each.
When I meet friends in a coffee shop, which happens a lot we always have two each. We're usually talking so much we need it "
Same here! Between my regular Friday and Sunday visits and impromptu meet ups through the week I probably buy 6-8 coffee shop drinks a week. Sometimes more, rarely fewer. |
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"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story.
We drink a lot of coffee. I don't think £30 is bad for two people (it might be slightly more) when you consider what some people spend on beer,wine and spirits in a month to drink at home.
If people spend £3 on a shop coffee then that's only 1 coffee per week each.
When I meet friends in a coffee shop, which happens a lot we always have two each. We're usually talking so much we need it
Same here! Between my regular Friday and Sunday visits and impromptu meet ups through the week I probably buy 6-8 coffee shop drinks a week. Sometimes more, rarely fewer."
I look on it as a very pleasant social activity and a contribution to the local economy even on the rare occasions I use a chain it's keeping someone in a job. It was something both of us missed a lot during lockdown.
|
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"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story.
We drink a lot of coffee. I don't think £30 is bad for two people (it might be slightly more) when you consider what some people spend on beer,wine and spirits in a month to drink at home.
If people spend £3 on a shop coffee then that's only 1 coffee per week each.
When I meet friends in a coffee shop, which happens a lot we always have two each. We're usually talking so much we need it
Same here! Between my regular Friday and Sunday visits and impromptu meet ups through the week I probably buy 6-8 coffee shop drinks a week. Sometimes more, rarely fewer.
I look on it as a very pleasant social activity and a contribution to the local economy even on the rare occasions I use a chain it's keeping someone in a job. It was something both of us missed a lot during lockdown.
"
When bubbles were introduced and I could see my mum again we used to go through a chain coffee shop drive-through and sit and natter over a quarantinachino in her car. I really missed just chatting over coffee! |
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By (user no longer on site)
over a year ago
|
"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story.
We drink a lot of coffee. I don't think £30 is bad for two people (it might be slightly more) when you consider what some people spend on beer,wine and spirits in a month to drink at home.
If people spend £3 on a shop coffee then that's only 1 coffee per week each.
When I meet friends in a coffee shop, which happens a lot we always have two each. We're usually talking so much we need it
Same here! Between my regular Friday and Sunday visits and impromptu meet ups through the week I probably buy 6-8 coffee shop drinks a week. Sometimes more, rarely fewer.
I look on it as a very pleasant social activity and a contribution to the local economy even on the rare occasions I use a chain it's keeping someone in a job. It was something both of us missed a lot during lockdown.
When bubbles were introduced and I could see my mum again we used to go through a chain coffee shop drive-through and sit and natter over a quarantinachino in her car. I really missed just chatting over coffee!"
Brilliant! |
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"^^ I forgot coffee. About £30 a month goes on coffee
Is that on beans or in a coffeeshop?
Beans and pods
I probably spend about £6 in beans. What I spend in a coffeeshop, well that is an entirely different story.
We drink a lot of coffee. I don't think £30 is bad for two people (it might be slightly more) when you consider what some people spend on beer,wine and spirits in a month to drink at home.
If people spend £3 on a shop coffee then that's only 1 coffee per week each.
When I meet friends in a coffee shop, which happens a lot we always have two each. We're usually talking so much we need it
Same here! Between my regular Friday and Sunday visits and impromptu meet ups through the week I probably buy 6-8 coffee shop drinks a week. Sometimes more, rarely fewer.
I look on it as a very pleasant social activity and a contribution to the local economy even on the rare occasions I use a chain it's keeping someone in a job. It was something both of us missed a lot during lockdown.
When bubbles were introduced and I could see my mum again we used to go through a chain coffee shop drive-through and sit and natter over a quarantinachino in her car. I really missed just chatting over coffee!"
My friends and I often sat in a seafront shelter with a takeaway coffee, freezing but happy to see each other. Then realising we were dying for a wee and all the public toilets were shut . |
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There isn't really anything I want apart from holidays so I guess holidays?
