[Closed] What do you spend a week?

I'll do it:

http://singletrackworld.com/forum/topic/any-money-saving-tips

weekly

£20 petrol to work
£15 petrol going to cannock to bike on the weekend
£1.50 coffee in vending machine for the whole week.

no pub, no beer, no ciggarette... thats just it literally.

weekly

£20 petrol to work
£15 petrol going to cannock to bike on the weekend
£1.50 coffee in vending machine for the whole week.

So you don't eat, pay heating costs, WIFI/ Phones etc or rent?

Awesome.

My weeks are pretty variable as I travel with work but generally:

£60 shopping
£20 Wednesday night out
£30 Sunday night out
£25 non work fuel

They all vary wildly and some weeks I don't need to put fuel in the car at all.

On top of that is the £1200 a month out goings for running the house.

I have 19.46% of my take-home pay spare each month after fixed costs

I have about 6% unallocated.

weekly

£20 petrol to work
£15 petrol going to cannock to bike on the weekend
£1.50 coffee in vending machine for the whole week.

So you don't eat, pay heating costs, WIFI/ Phones etc or rent?

the wife pay for that ... i do pay car insurance though £25 a month if that helps

More than I want to... but I have expensive hobbies and holidays.

I said after fixed costs - i.e after

Mortgage/rent
heating
electricity
water
Phone/broadband
Mobile
car insurance
Petrol
food
type stuff

as have in your pocket after all compulsory expenses

Having just started a business we did a big review.

My calcs show that unless we win the lottery we will be screwed in 8 months.

£1433.70 per month on bills/food/travel etc for me, wife and child.

About £400 a month, but it never pans out like that, there's always something unavoidable and expensive that knackers my bike spending plans, hence cadging bits off strangers on t'interweb. This month it's redecorating the attic bedroom to get the house re-valued so we can switch mortgages. grumble.

I have 19.46% of my take-home pay spare each month after fixed costs

£250 a month is what I'm left with (I put £200 a month in to 'personal' savings for things like bike / running expenses) and think it goes on -

Majority of it (Maybe £20 per week) on coffee's / fruit / snacks at work.
£15 a week on booze.
Rest of it I'm not sure, general incidentals and so on.

£80 a month on snacks at work....get yourself to the supermarket 🙂

I went to a great wee sandwich place which is next to both my old house and office. It was £8 per day on sandwich and soup (and a cake!). Took me about a year to realise I was spending about £170 a month on sandwiches.

Now I make extra dinner the night before and spend the cash I saved on expensive coffee 😉

Do you guys (EDIT: And gals obviously) allocate some percentage for "Savings" or do you take that out of the remaining 20-25%?

I'm just recently attempting to grow up and sort my finances (Hopefully saving to buy a house in a year or two) so have similar questions to the OP.

I don't have a GBP symbol on my keyboard, but

600 rent
80 food
40 fuel
30 milk (thirsty 2 year old)
300 maid salary
15 car tax / insurance
60 electricity
10 gas / phone / internet water
50 misc.
70 budgeted for beer, meals out etc

that's from approx 70k p/a income after tax.

Of our income:
~50% needs (roof, food, water, warmth, communication and essential travel)
~30% wants
~20% saved

costs me about £300 a week to work/travel/stay in london. thats before any household bills, food, beer or leisure activities.

makecoldplayhistory....is the £300 per week cleaning services, childcare or a mistake?

I don't have a GBP symbol on my keyboard, but

600 rent
80 food
40 fuel
30 milk (thirsty 2 year old)
300 maid salary
15 car tax / insurance
60 electricity
10 gas / phone / internet water
50 misc.
70 budgeted for beer, meals out etc

that's from approx 70k p/a income after tax.

That's in the Philippines though innit? Some rather weird splits there!

Had to look at mine again as bloomin' electricity supplier is trying to put my monthly bill up to £170. I calculate that we actually use about £90pm including standing charges. Will be speaking to them soon.

We have been monitoring our electricity use taking readings daily (splitting between economy 7 and standard). It is strange that when our next door neighbours are away, our readings drop by maybe 20%.

I have no reason to believe they have fiddles anything. We moved in maybe 20 years ago and their house was only renovated maybe 3 years ago. Before then, it was mainly empty but as they were farm cottages, I wonder if somewhere along the line, the supply was split...or something.

Anyway, we are getting the supplier out to check our meter. Meanwhile, we continue to live like hermits in dark caves! ;o)Roll on summer.

doesn't look rosy after 2.5 hours analysis!

Do you guys (EDIT: And gals obviously) allocate some percentage for "Savings" or do you take that out of the remaining 20-25%?

We have been monitoring our electricity use taking readings daily (splitting between economy 7 and standard). It is strange that when our next door neighbours are away, our readings drop by maybe 20%

Easy enough to find out.

One evening when they are in, switch off your fuse box and then 10 mins later, knock on their door and ask if they're having any problems with the supply.....

I don't have a clue. One day I'll take charge of my finances.

Off the top of my head:

Mortgage/rent = £500 per month
[s]heating[/s][i] gas[/i] = £no idea
electricity = £no idea
water = £no idea
Phone/broadband[i]/TV[/i] = £65 per month
Mobile = £23 (for me. Wife pays about £20.) per month
car insurance = £0 (for me. No idea what my wife pays.)
Petrol = £0 (for me. No idea what my wife pays.)
food = £120 per week

There's a loan of about £180 a month that'll finish in the autumn, plus three months of £50 for a bike to work bike; after those out mortgage is our only debt. We've just redone various life insurances, which come to about £20 a month, I think.

Beer and play money - inc replacement bike parts = 13.6% of take home.

I have no debt at present (inc no mortgage) so rent and maintenance to the ex are the biggest line items on my budget.

allocate some percentage for "Savings"

Not in my lifetime I'm afraid....guess I'm just destined to be skint.
As for expenditure per week....horrendous amounts and probably more than I earn.....I don't actually like to think about it and just offer my card to what ever machine/device I need to use punch my number and hope for the best.

maybe i'll be ok in 10 years when the sprogs grow up and start paying rent but until then.... 😐

nearly 2/3 of income left after day to day costs (house/utilities/insurances) so not including big ticket items, holidays etc.
i spend none of it though (or very little) as i dont feel the need to splurge plus impending move means a lot of furniture/white goods to buy in the near future.

That's in Thailand now. Left the Philippines last September.

The maid costs are per month and cleaning cooking whilst my son does a morning at school and then child care after his nap time.

All of those costs are per month.

Roughly £230 a week for everything (£920/m).
Leaves me with £80 a month disposable and £300 month savings.

Having just read through what im about to post im actually rather hesitant to send click the 'Send Post' button, as frankly i'm a little embarrassed at the figures. It might read like im showing off..i hope it doesnt come across that way, i've simply been extremely lucky with my jobs in the last couple of years, especially considering my very humble background - I'm a nurse by profession.

No pound sign on this damn keyboard so $ will suffice instead:

$1450 mortgage
$670 (2)cars
$210 Council Tax
$280 utilities (LPG$150/Elec $60/Water$70)
$200 Sky/TV/phone/Broadband/mobiles
$450ish - other assorted crap inc clothes/kids buses to school etc, life+Critical Illness/car/house insurances, bike bits (hmmm this might be a bit more if i include bike bits....... ;-))
$1200 - food/entertainment
$300 - petrol

So thats about $4750 give or take...which is a lot. Take home pay for the bread knife and i varies but our basic is $5750, but can be as high as $8k (bonuses every 6 months). We havent always earnt this kind of dough though, only really the last year or so when i started to work abroad again. Buying the house last year and basically refurnishing from top to bottom wiped us out savings wise....and then some. We went a little daft if the truth be known but we've come back round to our previous senses now that we have the house how we want it.

So that leaves roughly 15% 'spare'..although most (erm, all) of that is going towards our wedding later this year. From the end of the year we will be trying to get our savings re-established ready for 'a rainy day'...cos if im honest, if either us were to get seriously ill in the next couple of years, we'd be really quite knackered financially....unless the Critical Illness were to fork out of course...but thats hardly guaranteed is it given the number of copout clauses they have. Fingers crossed 8-).

after fixed costs of rent, utilities, etc:

Mobile phone £2
Lunch / coffees at work £20
Cycle to work so no cost there
Food at home £25
Going out / beers £25
Clothes – probably averages out at £10 a week

rob jackson - Member

Less than you do upgrading/replacing bikes/bike parts

So thats about $4750 give or take...which is a lot. Take home pay for the bread knife and i varies but our basic is $5750

Is the £5750 a month take-home between you? If so, £4750 outgoings seems bananas to me, how long would you last if one person lost their job or couldn't work? I know you're saying you need to get your rainy day fund re-established, but if you're only able to save 15% of your income, it's never going to cover that level of outgoings.

I've tried to keep our outgoings to about 50% of my income, which means if Mrs PF couldn't work it wouldn't be the end of the world and if I can't work we could carry on as normal until I could again (including savings and insurance policies). Easier said than done though.... 🙂

We have about 30% left after all fixed costs which equates to around 1300 a month which I then seem to manage to somehow set fire too as I inherently unable to save.

Seems a few people 'sail close to the wind' but if you are salaried then you know there's a payment every month.
I have always been self employed and income has fluctuated a fair bit so Im aware of my bottom line that I need to make.
Despite going over that I don't up the expenditure to match the increase just because I can, I guess I'm not a very good consumer and like to know that I can survive a year if the economy goes tits up again.

Seems a few people 'sail close to the wind' but if you are salaried then you know there's a payment every month.

I would expect the vast majority of the population to 'sail close to the wind' in our materialism obsessed county.

3 small children, wife and a labrador with disintegrating hips (vets bills)= nearly everything

Seems a few people 'sail close to the wind' but if you are salaried then you know there's a payment every month.

We don't really have anything leftover at the end of each month, but our "uncuttable" fixed outgoings are relatively low.

We bought our house based on just one of use working (between returning to uni and having kids we've only ever had both of us earning our full 'potential' salary for about 9 months). We're very lucky to have bought our first house in 1999 just before the market went insane, and we moved just over four years ago in a second dip, so we've got a relatively small mortgage on a low loan:value ratio.

Hopefully, we're at the end of the young-kids-so-no-money stage, which we've cleverly combined with buying a house that needed a lot of expensive things doing to it, so we should start being able to save a bit soon.

I would expect the vast majority of the population to 'sail close to the wind' in our materialism obsessed county.

It's scary when I hear some people talk about their mortgage sizes. Especially when they also run two large newish cars and have expensive holidays each year, and I know roughly what they earn.

No idea about weekly, but monthly (double everything to account for the GF, and she earns less)

£450 my half of rent/mortgagae/council/energy/etc
£160 running the car (excluding depereciation, that's paid for out of the savings when it's 'new').
£80 Gym fees
£30 phone
£40 assorted other club subs etc
£100 Food
=£860 out of £2100

Everything else is 'disposable', the bulk of it's saved for a bigger house deposit, the remainder spent on meals out and 'stuff', everything from nececary clothes to bike parts, but stuff that if the feaces hit the blower wouldn't be spent. In a normal month, buying a normal ammount of clothes, shoes, bike parts, etc, I'd save about £1k, but that rarely happens as there's always something to pay for (holliday, furniture, etc). God knows how we'll cope with a bigger mortgage, GF is hopeless at budgeting so having the savings/buffer portion of our income fixed scares me!

It's scary when I hear some people talk about their mortgage sizes. Especially when they also run two large newish cars and have expensive holidays each year, and I know roughly what they earn.

in the South East to get the house with a garden any of us want (rather than the 2 up 2 down terrace with a yard or a flat anyone actualy 'needs') is £350k! Not being excessive, that's just a 3-4 bed semi or detached house on an overcrowded new build estate in Bracknell!

Our large 1920s 3-bed semi-, in a nice area of the unfashionable side of town, with a 0.3 acre garden (with a stable and a garage), was recently valued at £140k 🙂

Our large 1920s 3-bed semi-, in a nice area of the unfashionable side of town, with a 0.3 acre garden (with a stable and a garage), was recently valued at £140k

which is precicely why we seriously considdered an 8 bed house in the Yorkshire moors for £180k! Only a smidge more than our flat is worth!

which is precicely why we seriously considdered an 8 bed house in the Yorkshire moors for £180k! Only a smidge more than our flat is worth!

My sister recently moved from a 2 bed flat in Gateshead to a 3 bed cottage near Aviemore for no increase in rental cost 🙂