How much of your disposable income do you actually spend?

[residualsquare]

In addition to taxes, exclude other unavoidable incurred costs, i.e. mortgage payments, utilities, gas, insurance, etc. Include cost of food (since this is a variable cost), premium over standard high speed internet, premium over standard cable, retirements savings, etc.

In my current occupation I probably spend around 10% under the criteria above.

 

[Kadarin]

In my case, I think the answer is "too much!" However, I've never really calculated it... IIRC I have about $2500-3000 per month of disposable income, after all bills. Lately, my mission has been to convert as much of that into savings as I can.

 

[RedCOMET]

Well, I don't budget properly, I eat out too much, and I like expensive things... So, i spend most of monthly income on stupid stuff, except for what i need for bills, 401K and insurance, gas, and the like.

 

[tfinch2]

Probably less than $100/month.

 

[chin311]

idk roughtly 300-500$ on average i guess

 

[residualsquare]

Originally posted by: tfinch2
Probably less than $100/month.

How can you live comfortably with <$100/mo? I take it you're a student?

 

[bennylong]

I spend $15 a month. Then again, I have no life.

 

[tfinch2]

Originally posted by: residualsquare

Originally posted by: tfinch2
Probably less than $100/month.

How can you live comfortably with <$100/mo? I take it you're a student?

You said how much of my disposable income do I spend?

Disposable income = money left after bills. I waste about $100 a month and save the rest.

EDIT: Looks like I'm confusing disposable with discretionary income.

 

[adairusmc]

Most of it.

 

[RandomFool]

After bills, I usually spend about 300-400 a week on crap I don't really need but is kind of nice to have and save the rest. Today I bought Resident Evil 1 & 2 on dvd because I sorta liked the first one except for the ending which was laughable.

 

[NanoStuff]

About $1000/month. All the remaining thousands go into emerging markets. Retired at 30. Well, probably not, I want to continue doing things regardless of my finances 🙂

 

[shortylickens]

Very little. I pirate and shoplift whenever I can.
Usually walk out on the bill and normally pull money out of the church donation box.

I need whatever I can get to help me pay for a damn house.

 

[Koing]

Not much, proably ~ £100?

Koing

 

[Jumpem]

All of it. Whenever I get a decent amount saved it gets spent. We've been improving our house one thing at a time, that takes a lot. Bought an engagement ring.

Next goal is to pay off $20k of cc/home improvement debt over the next year. Once that's done, I envision actually building up some savings.

 

[CDC Mail Guy]

<$100.00/month

 

[lokiju]

Not that much really.

The wife and I mostly cook at home during the week days.

Only thing we spend disposable income on is eating out on weekends and seeing a movie every now and then.

 

[Strk]

$0-50

It's typically at the lower end of it.

 

[jadinolf]

Originally posted by: adairusmc
Most of it.

Me too.

Gotta get rid of it before I croak.

 

[dmcowen674]

What disposable income???

Working 60-70 hrs a week and still $300 short for paying all the bills.

 

[Kaspian]

Disposable income?😕

 

[Cattlegod]

Maybe 10-15%

I take home ~3k after bills and I probably spend 300-500 on misc crap during the week (like going to the bar, movies, buying stuff off the HD forum).

 

[FoBoT]

all+

 

[grohl]

Originally posted by: NanoStuff
About $1000/month. All the remaining thousands go into emerging markets. Retired at 30. Well, probably not, I want to continue doing things regardless of my finances 🙂

Retire at 30? Good luck with all that.

I try to spend 100-150 a month on myself. Rest goes to the wife and kids. Trust me, it's worth it.

 

[residualsquare]

Originally posted by: tfinch2

Originally posted by: residualsquare

Originally posted by: tfinch2
Probably less than $100/month.

How can you live comfortably with <$100/mo? I take it you're a student?

You said how much of my disposable income do I spend?

Disposable income = money left after bills. I waste about $100 a month and save the rest.

EDIT: Looks like I'm confusing disposable with discretionary income.

Discretionary income is probably a better term for what I am asking.

 

[ultimatebob]

Discretionary income? Wish that I had some of that 🙂

Between the condo, the car, the taxes, the utility payments, and food... I might have $50 left over at the end of the month 🙁