How much do you spend on yourself?

One thing DH and I have never argued about is money. Always had a joint current account, salaries paid into it, now pensions.

If I need something, I buy it, DH likewise.

But we have modest tastes, so not often needing things.

Exactly the same here, Calendargirl. I guess we go out a lot, together or separately with friends, but neither of us buys a lot of “stuff” these days. I’d have to go through the accounts spreadsheet to come up with a figure, but really it’s just never been an issue - as long as there’s enough in the account it doesn’t matter which of us spends what.

Maggiemaybe

^One thing DH and I have never argued about is money. Always had a joint current account, salaries paid into it, now pensions.^

If I need something, I buy it, DH likewise.

But we have modest tastes, so not often needing things.

Exactly the same here, Calendargirl. I guess we go out a lot, together or separately with friends, but neither of us buys a lot of “stuff” these days. I’d have to go through the accounts spreadsheet to come up with a figure, but really it’s just never been an issue - as long as there’s enough in the account it doesn’t matter which of us spends what.

Much the same here. With the exception of separate savings a/cs I used to have (before helping dds with house deposits) all our money from whatever source has always been ‘ours’.

Such variation in spending power!
On the whole I should need to spend very little. Lovely comfortable home and interesting garden, but, as an Easter treat I bought a terracotta pot for my strawberries and this morning ordered an silver antique hair pot from oxfam.
I keep an eye on the accounts but we make joint decisions on things.

loopyloo - what’s a ‘hair pot’ ? Just curious, that’s all ..

Long ago I had a joint account with my then husband. It was a terrible idea.

I was very surprised to find that one of my married nieces has a Stash of savings that she calls her “running away fund”. She and her husband, who is very nice and quiet and caring have a joint bank account but she syphons off some money each month to save herself and it is all top secret.

Her sister told me this and says she knows several other young Mums who do this. News to me.

Blimey! My ex had a secret stash of money too …

We are very open with our finances, joint account for everything, plus a separate account each. My private pension is paid into my personal account, and I transfer all of it, bar around £100 into the joint account, DH does the same. Any major purchases are discussed, but otherwise we are fortunate that we can pop out for lunch/buy shoes without impact on joint finances.

Nowhere near £250 each on personal expenditure. I budget £50 a month for clothes, make up etc which is more than enough for me. This is probably because I don't buy many clothes these days as I have more than enough in my wardrobe to suit my needs.

ronib

GSM yes I don’t understand the idea of having to spend more money. Some bank adviser once said this to me too. I was surprised.

Humble bragging at its finest.

Urmstongran yes I just couldn’t resist…. But on a more serious note, with the out of control house prices in the South East, most of my financial decisions are based on how to help with buying a fairly modest home for my grandchildren and their hard working parents. Although I just did look at buying a Bombshell dress and decided that I would look ridiculous in one…..

A bombsite?

ronib 😁

I have personal pensions which are kept separate from DH’s.
Mine pays for holidays, the rest is mine to spend. However I don’t spend nearly £250 a month, probably nearer £100. I am not into designer goods or expensive makeup etc.

Very little. Old habits die hard!
But if there is something I need, I go for it.
At least that was until last month, when I gave scammers every last farthing, nothing left - stupid me!

Are you any further on regards reimbursement grandMattie?

Hope you get it all back GM. Should have spent it all on you!

We have a joint account that pays the bills and the mortgage - we both contribute equally to this.
We each have our own accounts.
I also have a savings account - which pays for holidays for myself.
I also pay for all the food shopping.

I’m shocked….I have probably never spent that much on myself in one month unless perhaps if I’ve bought one expensive item eg my iPad. Our income goes directly into one pot but we do also have money in sole accounts. In theory we are able financially to spend freely but in practise, we aren’t big consumers at all. I don’t feel I want or need that much.

I keep hoping to hear good news from GrandMattie.

Nothing yet, Urms. I’ve been told I should hear in “35 days”, I suspect it means working days …. Early May probably. If no joy, I’ll go down the BBC and financial ombudsman routes.

Such a long wait. You are in my prayers.

At my age 74 I find some chores harder to keep on top of - eg. climbing ladders to clean windows, bending down to do skirting boards etc. My 'personal treats' therefore are a cleaner to do these things for me so I can enjoy the finer things in life, such as weekly swimming and Pilates classes. Other than that - my big spends - I splash out at least £10 a week at charity shops for books and bits and bobs. Love browsing as a past time. Never was one for makeup and expensive handbags, shoes etc.

I don’t spend much on myself, no make up, hair trim roughly every three months for £15, clothes and shoes when the old ones are past it, lunch out with friends once a month’ish.
We do go to the pub a couple of 2/3 times a week, I’ve always bought my share of drinks, so about £10 each time. Seeds for the garden, veg and flowers are my indulgence and reading, but I use the library.

Live alone & only have basic pension thanks to being disabled! When I do have any money left over, nowhere near £250, I spend it on my Grandchildren who are the light of my life & what keeps me going!