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 🙁