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How much do you spend on incidentals per week?

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#1 Jane Doe

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Posted 02 April 2013 - 12:14 PM

Hopefully this isn't prying too much, I'm very open about money, but I know lots of people find it crass blush.gif

DH and I have been together since we were 19 so our incomes were certainly nothing to write home about. DH then did an adult apprenticeship, and we bought our house during his first year, so we were on a pretty tight budget for a while, so we had no choice but to be 'good' with our money. Now, I'm not working, but hubby earns a decent income and we're spending money like nobodies business, just on sh!t. Starting from this weeks pay, we're going back to budgetting.

Mortgage and car load is paid automatically, and we transfer a set amount each week into a specific bills account where everything is direct debitted.

We usually leave around $700 a week in the account to cover groceries (~$200), petrol (~$120ish - hubby travels a bit for work), and everything else (entertainment, gifts for others, haircuts, clothes etc) but most weeks we end up transferring a bit extra over towards the end of the week. This just seems excessive to me??

I'm curious to know how much money you allow for incedental spending (excluding mortgage/rent, savings and bills) if you'd be kind enough to share. Either I need to adjust my spending or my expectations on how much things cost these days. I fear it's the former ph34r.gif

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#2 Jaydee


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Posted 02 April 2013 - 01:44 PM

We allow $50 a week for incidentals for the kids- playcentres, trips out, clothing etc (ballet and kindergym fees not counted in this).

$50 a week for us- including weekend entertainment, haircuts, dinners out/takeaway etc etc.

It's a tight budget for us, but we have a mortgage on one wage and are currently trying to a) get a good 'reserve' in our savings, and cool.gif save the school fees for next year.

#3 Kerala


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Posted 02 April 2013 - 02:09 PM

I just went in last night and looked at how much DH had saved in the last 3 months, so balances on all accounts since 01 Jan 2013 and saw that we have saved $3K. I am gutted, we were trying so hard to curb our spending, and both would have expected we would have much more in the accounts than that....we both work full time and don't pay for childcare - I can't believe where it is all gone. Our mortgage payments are quite high, but we do have 2 incomes....We also only have 1 car. Gahhh... I could do a spending diary, but DG wouldn't have a bar of it. I suspect that DH has been going nuts on bike stuff........ In terms of incidentals we try not to have any, but maybe if we do it is more like $100 a week....between the 3 of us....

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#4 bluenomi


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Posted 02 April 2013 - 03:03 PM

We don't really budget for incidentals. We have a seperate savings account which we put $500 a fortnight into and the rest just stays in our everyday account which we pay everything out of.

Some weeks we don't spend much, other weeks we do, it depends on what we are doing.
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#5 flowerrose


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Posted 02 April 2013 - 03:47 PM

I'm embarrassed even thinking about it. ph34r.gif
Ethan and I have already ploughed through $40 this morning. I must reign it in as it's this frittering that is the biggest waste.

#6 Porthos


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Posted 02 April 2013 - 09:12 PM

I think incidentals screw us over because they change so much all the time.

After the mortgage, groceries, petrol, bills, holiday savings and 'kids' pocket money' comes out of our weekly wage, we have probably about $150 left over for incidentals. That has to include all entertainment, alcohol, gifts for others (birthdays etc), doc appts, haircuts, clothes, kinder fundraisers etc. We hardly ever keep it at that and most weeks end up using the credit card to see us through. At the start of the next week, we use whatever extra money we have to pay off the credit card (extra money comes from my casual teaching, hubby's army reserve work / overtime and my other casual job). Right now we're in a good 'clean credit card' spot, but from Nov - early Mar our credit card was very sad and tired (the only 'extra' money we see over the summer comes from DH's overtime, all the other sources dry up).

So the official answer would be $150 but I would say most weeks it's closer to $200. That is incidentals for five people though so it's not too bad.

We often get to Monday (pay day is Thursday) and have $20 to get us through. I spend plenty of time at the park, the library and visiting friends because it's all FREE laugh.gif

Like Jaydee, next year we'll have around $2000 of school fees coming our way. DH is going away with the army for 16 days in August to help cover this huge, looming 'bill'. That's 16 days in the middle of winter that I'll be home alone with three kids 24 hours a day and I am shi*ting myself...but I am also so relieved that at least we'll have those school fees covered!!

Juggling money on one main wage certainly keeps you on your toes wink.gif

#7 Guest_Windsor_Guest

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Posted 03 April 2013 - 06:57 AM

DH has $170 a FN and I have $200, because I have DD more. That covers any food out, computer games for DH, gifts for respective family members, dinners, haircuts and esp clothes.

DH usually spends his on concert tickets, so puts $300 on his credit card buyin 2 tix and then pays it off over a few pays. I usually spend mine on clothes, sushi and babychinos...

But that will need to be tightened soon as we draw own our building loan, also going back to o ne wage too. We've been living it up a litle while we still can.

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