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Old 01-05-2013, 05:19 PM   #1 (permalink)
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What percentage of your disposable income do you spend on ...

As the new year begins, I am looking over the budgets I have set for us and am wondering something:

On average, what percentage of your yearly disposable income (i.e. salary less taxes, social security, health insurance) do you spend on:

- rent, utilities, insurance payments (other than health insurance) and phone bills
- cars (payments, gas etc.)
- loan payments (other than for cars)
- food
- vacations
- furniture, appliances
- clothes
- electronics

... or anything else I forgot that eats up a large lump of your money.

It doesn't have to be exact figures - estimates are fine. I would just like to get a feel for other people's priorities. Does that make sense? I'll be happy to share my own estimates as well
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Old 01-05-2013, 06:14 PM   #2 (permalink)
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Rent/Utilities/Insurance: 50% - this includes rent, electric/gas, phone/internet/tv, etc.
Transportation: 5% - we live in the city so we don't use the car very often.
Loan Payments: 0% - we paid off our loans about a year ago - and we rent.
Food: 15% - self explanatory
Vacations: 10% - we have a special account dedicated to our vacations. This amount shifts every year (based on where we go).
Clothes/Electronics: 5% - self explanatory.
Child-Related Expenses (for DS): 5% - this includes summer camp, school trips, extracurriculars, supplies, etc.
Savings: 10% - we try to save about 10% of our annual income.

Of course our numbers very from year to year - but we try to stay relatively consistent with this outline. This year we would like to get the Rent/Utilities section down somehow.
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Old 01-05-2013, 11:19 PM   #3 (permalink)
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One of my goals for Jan 2013 is to find the answers to these questions. I had a budget all set up back in the day but a lot has changed since then and it really is a shame but I don't know anymore the details of where the $ goes. Embarassing.

Interested to see what others have to say ...
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Old 01-06-2013, 03:27 PM   #4 (permalink)
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Thanks so much, Drew!
I'll post my figures now as well, hoping to encourage others to follow my lead

Rent/Utilities/Insurance/Phone: 30%
Cars: 20% (DH commutes, plus gas is crazy expensive over here )
Food: 10% (We've cut back on restaurant visits quite a bit!)
Vacations: 10-15% (depending on whether or not we're traveling to the States)
Our dogs: 7% (what can I say, they are our kids )
Clothes: 5%
Loan payments: 2%

The rest is divided up between savings and "wants" (electronics, books, sports, movies etc.).

I'm really interested to hear from more of you!
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Old 01-09-2013, 07:31 PM   #5 (permalink)
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Good question, this is something I need to work on to figure out. Never thought of that. I do need to make a budget like I used to.
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Old 01-09-2013, 08:33 PM   #6 (permalink)
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I figured the percentages for my monthly budget, but I think if I did the math correctly it would be about the same for yearly too.

Mortgage/Insurance/Utilities (electric, gas, cell phones, cable, internet): 30%
Cars/Insurnace/Gas: 20%
Food: 10% (this includes my grocery budget and any eating out we do during the month)
Vacations: 5-10% (we do one major vacation every other year and smaller vacations throughout the year)
Clothes/Entertainment/DD's extra activities/Pets: 8% - sometimes less depending on the month
Savings: 12% (we have an automatic payment made to our savings account each week)
Loans: 0%
Wants (money spent on hobbies/birthday gifts/home decorating/etc...): 5-10%
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Old 01-28-2013, 11:53 AM   #7 (permalink)
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Rent/Insurance/Utilities: just under 20% (We sold our house when we moved to the other side of the state...just renting here, don't know how long we will stay...rent is more than our mortgage was!)
Cars/Insurnace/Gas: 12%
Food: 10%
Vacations: 3-5%
Clothes: 3%
Debt: 12% (mostly student loans other than those we will be debt free as of next January!)
Misc: 10-20%- Depends on what medical expenses pop up (both human and fur baby), or what the kids end up needing, eating out, movies etc. This also includes birthday and Christmas spending.
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Old 01-28-2013, 12:30 PM   #8 (permalink)
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Awesome, thanks for posting, Aimee and Alison!

Student loans are a pain, aren't they?
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My Countdown Counting down to: 7-night Med cruise on the Disney Magic!!!
244 days, 23 hours, 53 minutes
My Previous TripsWDW: 04/2007 (ASMo), 04/2008 (AS, POR, WL), 05/2009 (BCV, AKV - Opening Day!!!, SSR), 03/2010 (BWV, GF Concierge!!!, BLT), 05/2013 (POFQ, POP); DCL: 04/2008 (Wonder, Bahamas), 04/2009 (Magic, Western Caribbean), 08/2010 (Magic in Europe!), 05/2013 (Fantasy, Eastern Caribbean); DVC Vero Beach: 04/2008, 04/2009; DVC Hilton Head Island: 05/2013; DL California: 09/2005; DLP: 03/1996 (Sequoia Lodge), 09/1996, 03/1997, 06/2002 (Hotel Santa Fe), 09/2007 (Hotel Santa Fe), 12/2008 (Sequoia Lodge), 03/2013 (Hotel New York); Tokyo DL: 04/1998 /// Non-Disney trips: Austria, Bahamas, Belgium, Denmark (Copenhagen), Finland (Helsinki), France (Paris, Cte d'Azur), Germany (Berlin, Munich), Grand Cayman, Great Britain (London, Gibraltar), Italy (Venice, Florence, Pisa), Japan (Tokyo), Lichtenstein, Luxemburg, Mexico, Monaco (Monte Carlo), Morocco (Marrakesh), Netherlands (Amsterdam), Norway (Oslo, Bergen, North Cape), Portugal (Lisbon), Spain (Barcelona, Mallorca), Sweden (Stockholm), Switzerland (CERN, Zurich), Tunisia, Turkey, USA
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Old 01-28-2013, 12:43 PM   #9 (permalink)
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Quote:
Originally Posted by Disneybine View Post
Awesome, thanks for posting, Aimee and Alison!

Student loans are a pain, aren't they?
You are welcome! And yes, they are a pain, lol!
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Old 01-28-2013, 09:04 PM   #10 (permalink)
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I honestly have no clue what percentage of our funds we spend on anything!! I just know I try to watch what I spend and we try to save as much as we can. We're able to keep food on the table, clothes on our backs, and have some fun every now and again.
Now I'm going to have to pay attention!
Thanks for asking.
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