[Closed] What else eats up your disposable income ?

Bloody kids.............

I have a wife and 2 teenagers. The concept of "disposable income" takes on a new meaning.

Just bikes. Problem is, outgoing is usually greater than incoming.

My two dogs, and my effing car which has gobbled up literally thousands of pounds in the last two years 🙁

Motorbikes

Weekends away

Being active is expensive,I need to couch potato more 🙂

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40th birthday prezzies/getaways and EuroDisney 8O.

Bike tools are costing a bit at the moment as I gradually upgrade the kit on the Clockwork.

fixing that rear axle is going to cost you MrP

Restaurant food and nights out seem to be an increasing drain on resources.

New bike time I think, that way I'll be too skint to eat and drink all my money!

Disposable income?? i remember that concept . i have a 22 month old son today disposeable income is a concept from the distant past. i am havind a shop bought sandwich today if that counts.

scuba diving - jeez, you think biking burns holes in your pockets?
bee-keeping, just statring but at least that should turn round some cash next year

nothing. there is only bicycles.

Dogs, kids and house.

Lovely old cottage in an idyllic position... Reality eats fuel, needs new windows, repainting, internally decorating, new bathroom and then new kitchen...

We often talk about moving to a modern house and actually having the time / money to ride bikes 😕

Sitting in cafes.

Climbing, wine, board games, books.

Howies.

Climbing. Travelling. Just bought a MX5 with my flatmate (for a roadtrip), so that took a chunk.

New tools, Defender parts, VW T4 parts, Frelander parts, oils and filters etc. But I do save a fair bit by doing must of the greasemonkey stuff myself now.

After the bikes it's got to be (in no particular order) -

House
Pooch (thinking of getting another soon as well)
Caravan & associated trips away
Wife
Chickens - they keep laying eggs so I have to buy more baking ingredients to use them up (it's a terrible life).
And after paying the best part of 300 quid to get the car through its MOT today I think I can add that to the list. Normally doesn't cost much at all other than fuel though.

I'm thinking of getting my salary paid directly to Tesco, it'll cut out the middleman.

B&Q.

Oh, and wine 8)

Kids and wife don't eat into your disposable income, they eat into your actual income.

6 year old daughter who has Ballet, Jazz and Tap dancing lessons, goes to drama classes, swimming lessons and rainbows.

2.5 year old daughter who does Ballet and tap lessons.

Large childcare bill for before/after school.

Weekly demands for money from school (tickets for XYZ/sponsor money/trips out)

240k Mortgage

Still paying my student loan off (circa £135 PCM)

when the little one starts school I'm hoping some of the disposable income is going to get eaten up by either a Toyota Landcruiser or a Nissan Patrol, as I want to do an overland trip to Morocco.

Motoring at the moment.....

New Family Car bringing up to scratch/MOT/Insarnce etc, My Van, Old family car getting ready for sale.....

Oh And My "Project" Supercharged Kadett but that money is hived off already in a separate fund

Kids and Family don't really come under "Disposable" income, as they come first....

Blade went last autumn 🙁

Savings for holidays (NYC in September), eating out/nights out, F1 tickets (I've never been to figure it's time to go), car service and soon to be car tax, replacing damaged bike clothing after an off while commuting (for no sensible reason, the off that is, I just fell over). Stuff in general, I like money, but I am very good at giving it away too.

I'd like an expensive hobby too apart from cycling but I don't seem to need one, I already spend a fortune monthly.

Chips.

I have absolutely no idea where it goes. I have my suspicions about me supporting various arms of my wifes family as well as definately supporting Littlewoods catalogs.

The bits that fall out of that, well, it's much like the hobbies thread. Bikes, computers, family, just generally enjoying ourselves. I don't need to spend a lot of money to be happy..which is good.

We don't really have any disposable income, in a few years time when the wife gets back to work perhaps. When that day comes I might treat myself to a new t-shirt and a couple of pairs of undercrackers.

Holidays, food and wine, Mrs B has just started horse riding and I've just started snowboarding.

Music. And petrol for the Mondeo 🙁

The dog (dog walking while we're at work, vet bills, special diet pooch food)and the car mainly!

We do go to a few gigs, a few times a year, guess those aren't cheap either, and we always spend more than planned on holiday.

Erm. if not the mtb, then its the other mtb, or maybe the road bike. And my son's bikes. And my wife's. And any other bike-realted ideas I may have. (you get the picture)

Some goes on on household goods etc if they need replacing.

We have a sensible car, we have a sensible TV, we have a sensible house. They'll be upgraded one day when necessary (ie broken), but not before.

Holidays are usually cheap affairs with the family, although skiing needs planning (but not been for at least 5 years now).

Anything left over gets put into savings of one sort or another.

Kind of boring really. But my bikes are really nice 🙂

No idea where it goes but some of this is surely to blame:
Bike bits
Weekends away
Guitar stuff
The pub
Land rovers and audis
The restaurant
Gigs
Wine
The other pub
Waitrose
Springer spaniel
Garden centre
Isa
Shares
Savings account
Holiday funds
Tk maxx

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Titanium frame, Custom build.
😕

Disposable income eh? What a lovely thought!

Unfamiliar concept.
We seem to dispose of quite a bit of the Halifax's as well as our own!

The wife's horses - over £3000 vets bills in the last 6 months and one of them is still not fit to ride. And that's without the feed bills!

Lol at above , my other halfs four legged hay eating pet consumes far more money than I ever imagined add in bills for the landrover she got to tow the horse box etc etc.

Just as well I like riding riding to work

Beer and weekends away. But mostly beer.

😯 Mrs B will have to kindly **** off if she thinks that she's having a horse then!

Saving it up so I can spend extended periods not working

saving for the wifes new cx bike, and im quite fancying one of those on one fatties . . .

Brought a newer car, nothing special but eats up what was my spare cash.

Pies and Black Pudding

Kids.
Bikes.
Speeding fines. 🙁

Daughter at uni, 2 boys at primary school with lots of clubs and activities, a bit of eating out and some wine and beer. New MTB, newish road bike and older CX bike. N+1 ain't happening :-[

I'm thinking of having my salary transferred direct to Festool after downloading their 90 odd page catalogue......

Well I see the kids as pets so they can't count!!

But Diesel I spend too much on Diesel! And blooming inner tubes!!!

Yeah, diesel and petrol, don't get me started..... £400 a month just like that, even when being careful.... Modern life I guess,...awaits flaming 🙂

Diesel for biking trips to the Lakes
That and shopping once a week are the only times "my" car gets used.

Miss Llama's holiday plans 🙄

This year my disposable income goes to new car parts, outdoor shoes, outdoor clothing and more outdoor toys ... food. 🙂

More shoes ...

I spend the money I'm not spending on the nice car I used to finance on bikes (car-free for a year). Problem is, it seems I spend it a few times over 😳

The rest goes on wife and two kids.

It doesn't cost me much, or a penny even. But the stuff I value is not on STW anymore.

beer & wine, new tools, turning a pic into bacon etc.
technology
holidays
Though to be fair I'm earning half what I was before I left the UK but only working 2.5 days/week so not as much to start with but a drastic reduction in living costs means more disposable income coming through.

Any disposable income goes into the savings account, crazy concept I know but its nice to have a nest egg for mortgage overpayments, spur of the moment vacations etc.

No such thing as disposable income in my wallet/bank account. Having 2 low paying jobs just about tides me over, What i earn this week will pay for rent/living costs, petrol n' bills next week.....ad infinitum...... What disposable income i do get is cash in hand work on a mates farm/shooting estate and that's my "treats" money.

It goes on too much here. I think I probably need to spend far less and save far more for the 'storms' ahead.

Music. I'm still an avid CD collector.

Nothing. Haven't had any disposable income for about 5 years. 40s is when you are supposed to be financially secure but I'm poorer now than when I was 18. No savings and no pension 🙁