Do you have 'disposible income"?

Finally I have a bit. Not a lot, but I can order a pizza whenever I want or go to a movie. I remember when I didn't and it was tough. I lived on noodles or potatoes. Salt, butter and seasonings were luxuries that had to be thought about. Those were hard days, but thankfully they are over.

I sometimes have disposable income but I end up spending them by buying my son's school needs such as pencils, sharpeners, erasers, his toys, etc. Sometimes there are some emergency expenses such as gifts for unexpected birthday parties or reunions. Saving for me is quite difficult because they won't last for a month. I really need to earn more money in order to have savings. I sometimes eat out or buy clothes with the money too. It's different every month. For this December, it's for Christmas for sure.

Personally there are times we have extra and times like now where we are struggling. The winter months for us are always the hardest. I am wondering what can happen next. Lately it is living from disconnect notice to disconnect notice and wondering how to buy food etc as well. I keep believing and hoping one day it will be over but trying to do the best we can.

Yes, we have a budget set up that works really well, and we pay our bills and put a set amount in to savings every month, then what ever is left over we split three ways 1/3 goes for family outings and for things like gifts and stuff like that, then I get 1/3 to spend however I like no questions asked and my husband gets 1/3 for what ever he wants no questions asked that way we don't fight over where the money goes. Some months there is more than others. Most of my extra money ends up going to the kids though, they often need things for school. I go to the movies maybe once a month, but I only go to matinees and I join the discount programs from the theaters. A lot of the extra money we have comes from things that I do on line where I make money such as mylot or Gather, but I do a lot of different sites and I do a lot of writing. That extra money comes in handy.

I am just too glad to finally be able to have some disposable income. No loans to pay on payday with enough to pay the utilities and necessities. It has certainly made my life less stressful as I don't have to seek small loans just to make ends meet until the next payday. With the disposable income, I am able to treat the children to some entertainment like the movies; however, the past experiences of not having any money has made me more wary of spending unnecessarily. Not that I have become stingy but I have become more responsible with handling money so as not to experience the same thing all over again. I have learned my lessons that without loans or indebtedness, even if the monthly pay is not too high it will be enough with some left for leisure.

I just encountered the term "disposable income" now...thanks for letting me know :) Well im not really earning a big amount of money right now so i have a very low disposable money but if i have, i would try to save it for future use :)

For me, there must be some disposable income, I mean, probably all my income now will become my disposable money. let me describe my all-day-life to u then u'll understand. I just got married and my mother-in-law and my father-in-law live near to ours, and they are very happy to see us having meals with them together, so we don't have to spend money on buying food stuff and related ones. Secondly, my company is 15 minutes far from my home so there's no need for the transport fees everyday, I only walk! And in the weekend, I barely go to the city center instead, I'll surfing online at home. By the way, all the fees for our electricity, water and gasoline ect will be paid by my mother-in-law, they want us to save the money we earned, maybe for the future necessaty when we have a baby(I guess). Therefore, I am so auspicious I have my disposible income haha.

I think it is the same anywhere Lac. No, I do not have disposable money in the real sense of the word. The money I make is not even enough to pay all my monthly bills so in some bills I am behind already. Well, that's life. We can't do the impossible.

I can keep some amount of disposible income after paying all kinds of bills under the condition that i have a considerable payment. Usually the extra money will be spent on clothes. If posiible, i can also afford some digital products such cell phone or laptop.

With 5 children by the time our bills are paid and needs are meet we very rarely have any money left over. when we do we try and plan a special outting something that is fun for everyone. Usually once or twice a year we get to do something special.

My situation is almost the same as you. I live in guangzhou, but I can't earn enough to have disposible money. I am thinking that if i have enough money, i will use it to invest, making much more money.

Well... Even if income is good enough... Its spent on loan installments, payment of bills and salaries to all those who work at our place eg.maids.. Plus if you have children, you got to pay their school fees and other expenses.... So for a middle class person, it become difficult to save money for his own purpose...

I make a little bit over what I can spend to pay the minimums of my bills, but I use the remainder to continue to burn down debt. http://gomestic.com/personal-finance/escaping-debt/ details my goals to do this.

Well me, the disposible income that you're talking about is the only money that I can save in my bank. Disposible income would become Filipino's ways on saving their money, but because of the crisis that we experienced, we cannot have our disposible income instead, we always experiencing some income shortage. Nice question to think with and thanks for your sharing

I don't like the term, disposable.. as even money left over after bills and household groceries and necessities, for me, is spent on clothing or other necessary things.. I suppose sometimes it is disposable, as I likely have more clothing than what one can get by with. There's not a whole lot left over after bills and household groceries and necessities, but enough, right now, so that life is not stifling. But some weeks I will spend much less on groceries and necessities, such as around the holidays, when I am purchasing gifts for others.

I have always tried to live frugally and within my means, so yes I have money left over. My first choice has always been to save and invest most of it. I have always done only what I could afford to do with any left over money within the bounds of also saving some. The only movies that I have been to for many years have been ones that I had free passes for that I won in some contest. The last time that occurred was in the Summer of 2011 and I won four free passes and ended up giving three of them away because there were not enough movies on that I really wanted to see before the passes would have expired. So I am even frugal and not wasteful with free things.

Right now, my disposible money is being used on senior items, a birthday party, and Christmas presents. Fortunately, Christmas presents are almost done. I have a few items left to buy and I'm done. This year, my daughter doesn't want a birthday party so it's just her and me going to have a lady's day out. :) As for my son's senior items....I'm just getting started.

After paying bills and other monthly expenses I will have some money left which normally I save. I think at this stage of my life I should save some amount so that it can come handy whenever needed. Normally I don't waste money by spending it on some useless thing. With saved money some times I will go for shopping,movies etc as what you said. I will also suggest you to try to save some amount so that you can spend it as you wish on a later occassion.

I wish i did have something keft over after the bills are all paid. money omlly goes so far and has to do so much. it can be difficult at times. disposable incme would come in handy.

Hi. I save money on everyday basis. So when the time comes to pay the bills,etc. I make sure i save some to be content for the next couple of weeks or so.Why don't you save?