FabSwingers.com forum: What falls under disposable income

By (user no longer on site) OP
over a year ago

When we talk about food?

I'm in a very heated argument with someone about it right now. Chairs have been thrown, names have been called and we're about to go nuclear.

So please help us settle this matter at last

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By *rwhowhatwherewhyMan
over a year ago

Aylesbury

Money that is left over after all your basic living expenses have been paid

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By (user no longer on site) OP
over a year ago

"Money that is left over after all your basic living expenses have been paid"

Be bloody specific this is a very serious argument at this point

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By *emorefridaCouple
over a year ago

La la land

What do you mean OP? What counts as a luxury when buying food?

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By *inky-MinxWoman
over a year ago

Grantham

Wow, I darn't post as I'd hate to get in an argument with the OP

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By (user no longer on site) OP
over a year ago

"What do you mean OP? What counts as a luxury when buying food? "

Yes!

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By (user no longer on site)
over a year ago

I mean if you can afford truffle crisps from Whole foods, and buying expensive oil, you do your big shop at Marks and Spencer and Waitrose and don’t even know the basic cost of primary food, I’d say you probably have a ton of disposable income

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By *emorefridaCouple
over a year ago

La la land

"What do you mean OP? What counts as a luxury when buying food?

Yes!"

Anything like puddings, crisps, biscuits. Take aways and posh things like marks and Spencers rhubarb and custard yougurt even though it's lush

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By *inx.x3Woman
over a year ago

Bath

dominos is a luxury as it’s fast food/ takeaway and it would be bought from disposable income.

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By *eavenNhellCouple
over a year ago

carrbrook stalybridge

money left over to do what ever you want with without affecting any other part of your ability to pay your bills .so basicly once you have paid ALL your bills for housing heating food fuel clothes travel subscriptions loans taxes etc any thing left is disposable income .

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By (user no longer on site) OP
over a year ago

"What do you mean OP? What counts as a luxury when buying food?

Yes!

Anything like puddings, crisps, biscuits. Take aways and posh things like marks and Spencers rhubarb and custard yougurt even though it's lush

So would you consider blueberries as a luxury item? They are very expensive per kg/nutrition

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By *inx.x3Woman
over a year ago

Bath

Takeaways = disposable.

Blueberries = normal weekly shop.

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By (user no longer on site) OP
over a year ago

Ignore _inx.x3 by the way she is wrong and cannot have an unbiased opinion on this matter!

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By (user no longer on site)
over a year ago

"What do you mean OP? What counts as a luxury when buying food?

Yes!

Anything like puddings, crisps, biscuits. Take aways and posh things like marks and Spencers rhubarb and custard yougurt even though it's lush

So would you consider blueberries as a luxury item? They are very expensive per kg/nutrition"

No, if you like them, get them. I love blueberries and I always get them

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By (user no longer on site)
over a year ago

PRINGLES

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By *rHotNottsMan
over a year ago

Dubai & Nottingham

On your budget you have income , essentials, luxuries, debt payments,,savings.

Net position is income minus all the others

Disposable Is like net position but minus luxuries and savings but not debt some repayments

If you want to do it properly you put debt repayments across both , essential ones that stop extra interest being added and capital repayments that reduce interest

You could do the same with food fork and clothes , some essential some luxury

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By *he love catsCouple
over a year ago

South Wales

Disposable to me means throw away, so money to waste on unnecessary items, not essential thing's.

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By *emorefridaCouple
over a year ago

La la land

"What do you mean OP? What counts as a luxury when buying food?

Yes!

Anything like puddings, crisps, biscuits. Take aways and posh things like marks and Spencers rhubarb and custard yougurt even though it's lush

So would you consider blueberries as a luxury item? They are very expensive per kg/nutrition"

My mam definitely would, soft fruit out of season is a luxury in her opinion. Undecided on it

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By (user no longer on site) OP
over a year ago

"What do you mean OP? What counts as a luxury when buying food?

Yes!

Anything like puddings, crisps, biscuits. Take aways and posh things like marks and Spencers rhubarb and custard yougurt even though it's lush

So would you consider blueberries as a luxury item? They are very expensive per kg/nutrition

No, if you like them, get them. I love blueberries and I always get them

I like Domino's therefore not under disposable income. I think that's sorted then

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By (user no longer on site)
over a year ago

OP I completely align with whatever your winning opinion on the subject is

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By *annaBeStrongMan
over a year ago

wokingham

Id say luxury starts to enter into foods that offer little nutritional value, they are bought purely for enjoyment

for example, blueberries are expensive but very nutritionally good for you. Their high price is a factor though so they land in the middle

a chocolate bar offers very little nutritional benefits, its very luxury

rice offer little too, outside of just straight calories, but its very cheap, so its not luxury

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By (user no longer on site)
over a year ago

"What do you mean OP? What counts as a luxury when buying food?

Yes!

Anything like puddings, crisps, biscuits. Take aways and posh things like marks and Spencers rhubarb and custard yougurt even though it's lush

So would you consider blueberries as a luxury item? They are very expensive per kg/nutrition

No, if you like them, get them. I love blueberries and I always get them

I like Domino's therefore not under disposable income. I think that's sorted then

I mean I think take aways can be considered a bit luxury. Kinda like dining out! Or go food shop at expensive places like whole foods or fortnum and Mason .

If it feels like a treat, it’s probably luxury

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By (user no longer on site)
over a year ago

Anything other than rice and peas is a luxury

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By (user no longer on site)
over a year ago

Good shopping habits that are relevant to your budget is healthy. Takeaways are not.

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By *agneto.Man
over a year ago

Bham

Are you arguing with Kirsty Alsop?

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By *inx.x3Woman
over a year ago

Bath

"Id say luxury starts to enter into foods that offer little nutritional value, they are bought purely for enjoyment

for example, blueberries are expensive but very nutritionally good for you. Their high price is a factor though so they land in the middle

a chocolate bar offers very little nutritional benefits, its very luxury

rice offer little too, outside of just straight calories, but its very cheap, so its not luxury"

How about dominos? That’s a luxury and would only be bought if you had disposable income?

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By (user no longer on site) OP
over a year ago

Manuka honey 15+

Extremely expensive but very nutritious and very healthy.

Still a luxury despite it's nutritional value. So £/nutrition doesn't work.

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By *inky-MinxWoman
over a year ago

Grantham

"Id say luxury starts to enter into foods that offer little nutritional value, they are bought purely for enjoyment

for example, blueberries are expensive but very nutritionally good for you. Their high price is a factor though so they land in the middle

a chocolate bar offers very little nutritional benefits, its very luxury

rice offer little too, outside of just straight calories, but its very cheap, so its not luxury"

I agree with you

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By *eroLondonMan
over a year ago

Mayfair

"When we talk about food?

I'm in a very heated argument with someone about it right now. Chairs have been thrown, names have been called and we're about to go nuclear.

So please help us settle this matter at last

•

I'm just picturing the scene: everything is going ballistic and then everyone's paused, in some armistice way, for you to log in and ask people on here for opinions and diplomacy.

That's power, my friend.

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By (user no longer on site) OP
over a year ago

"Id say luxury starts to enter into foods that offer little nutritional value, they are bought purely for enjoyment

for example, blueberries are expensive but very nutritionally good for you. Their high price is a factor though so they land in the middle

a chocolate bar offers very little nutritional benefits, its very luxury

rice offer little too, outside of just straight calories, but its very cheap, so its not luxury

How about dominos? That’s a luxury and would only be bought if you had disposable income?"

As would blueberries, extremely expensive and unattainable for people on a budget!

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By (user no longer on site)
over a year ago

"Are you arguing with Kirsty Alsop? "

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By *annaBeStrongMan
over a year ago

wokingham

"Id say luxury starts to enter into foods that offer little nutritional value, they are bought purely for enjoyment

for example, blueberries are expensive but very nutritionally good for you. Their high price is a factor though so they land in the middle

a chocolate bar offers very little nutritional benefits, its very luxury

rice offer little too, outside of just straight calories, but its very cheap, so its not luxury

How about dominos? That’s a luxury and would only be bought if you had disposable income?"

Nutritional value? low

Price? Very high

Theres your answer. Its very luxury

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By *inx.x3Woman
over a year ago

Bath

"Id say luxury starts to enter into foods that offer little nutritional value, they are bought purely for enjoyment

for example, blueberries are expensive but very nutritionally good for you. Their high price is a factor though so they land in the middle

a chocolate bar offers very little nutritional benefits, its very luxury

rice offer little too, outside of just straight calories, but its very cheap, so its not luxury

How about dominos? That’s a luxury and would only be bought if you had disposable income?

As would blueberries, extremely expensive and unattainable for people on a budget!"

You can get blueberries for as little as 89p and they will last more then one sitting if you don’t eat them all in one go.

Dominos however cannot be bought for such a small amount as it’s a luxury.

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By *agneto.Man
over a year ago

Bham

Isn't this argument just easily solved with food that has VAT and food that doesn't.

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By *orny PTMan
over a year ago

Peterborough

"What do you mean OP? What counts as a luxury when buying food? "

Caviar and truffles.

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By *inx.x3Woman
over a year ago

Bath

"What do you mean OP? What counts as a luxury when buying food?

Yes!

Anything like puddings, crisps, biscuits. Take aways and posh things like marks and Spencers rhubarb and custard yougurt even though it's lush

So would you consider blueberries as a luxury item? They are very expensive per kg/nutrition

No, if you like them, get them. I love blueberries and I always get them

I like Domino's therefore not under disposable income. I think that's sorted then

I mean I think take aways can be considered a bit luxury. Kinda like dining out! Or go food shop at expensive places like whole foods or fortnum and Mason .

If it feels like a treat, it’s probably luxury

I agree

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By (user no longer on site) OP
over a year ago

"Id say luxury starts to enter into foods that offer little nutritional value, they are bought purely for enjoyment

for example, blueberries are expensive but very nutritionally good for you. Their high price is a factor though so they land in the middle

a chocolate bar offers very little nutritional benefits, its very luxury

rice offer little too, outside of just straight calories, but its very cheap, so its not luxury

How about dominos? That’s a luxury and would only be bought if you had disposable income?

As would blueberries, extremely expensive and unattainable for people on a budget!

You can get blueberries for as little as 89p and they will last more then one sitting if you don’t eat them all in one go.

Dominos however cannot be bought for such a small amount as it’s a luxury. "

89p for a mouthful of fruit!

How many mouthfuls of Dominos can you get? More than 13!

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By *inx.x3Woman
over a year ago

Bath

"Isn't this argument just easily solved with food that has VAT and food that doesn't. "

I think saying takeaways, meals out, eating out is part of a disposable income.

Doing your weekly food shop is not

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By (user no longer on site) OP
over a year ago

Is this statement correct?

"Anything you buy in your weekly grocery shopping doesn't come under disposable income."

God forbid I bought 10 tubs of Ben and Jerry's and 15 year old whiskey

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By (user no longer on site) OP
over a year ago

"Isn't this argument just easily solved with food that has VAT and food that doesn't.

I think saying takeaways, meals out, eating out is part of a disposable income.

Doing your weekly food shop is not

You're wrong on so many levels

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By *annaBeStrongMan
over a year ago

wokingham

The problem with the questions is its impossible to really sort out whats truly luxury and whats not.

If we are being 100% honest anything other than rice, beans, olive oil and a hand full of frozen vegetables is luxury since you can get by with just those foods, many people around the world do.

Luxury depends on the person. For example kylie above said that take aways are "kinda" luxury. With the UK having the highest levels of food poverty in the EU you could aruge that a take away absolutely is luxury. But depending on your income £15 on a curry might seem like nothing.

When I was an apprentice I had to save up for 6 weeks to afford a take away. Now a take away is nothing

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By *emorefridaCouple
over a year ago

La la land

"Is this statement correct?

"Anything you buy in your weekly grocery shopping doesn't come under disposable income."

God forbid I bought 10 tubs of Ben and Jerry's and 15 year old whiskey

Disagree there's often a bottle of wine in my shop and numerous other things I don't strictly need. I think anything you'd be mega surprised to see in a food bank parcel is probably airing on the side of using disposal income.

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By (user no longer on site) OP
over a year ago

"Is this statement correct?

"Anything you buy in your weekly grocery shopping doesn't come under disposable income."

God forbid I bought 10 tubs of Ben and Jerry's and 15 year old whiskey

I consider you to be a voice of wisdom so thank you with agreeing with me

That's it, blueberries are counted under disposable income

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By *acey_RedWoman
over a year ago

Liverpool

"What do you mean OP? What counts as a luxury when buying food?

Yes!

Anything like puddings, crisps, biscuits. Take aways and posh things like marks and Spencers rhubarb and custard yougurt even though it's lush

So would you consider blueberries as a luxury item? They are very expensive per kg/nutrition"

They're luxury but then again if someone had a 6 bedroom house or a BMW, their mortgage and car finance payments would still reduce their disposable income. But then you're tied into a contract to pay for a mortgage or finance and you aren't for blueberries. But then do we say buying anything above the supermarket very basic ranges classes as disposable income? I guess it's a grey area. I wouldn't count buying blueberries as excessive.

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By *inger_SnapWoman
over a year ago

Hampshire/Dorset

Cheaper to buy frozen blueberries no?

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By (user no longer on site)
over a year ago

I sense its the blueberries isnt it causing the drama. Grow them on a bush in a pot in the garden. 3 or 4 extra berries a year for as good as free

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By (user no longer on site)
over a year ago

Be bloody specific this is a very serious argument at this point

Dosh left after all survival needs (food water shelter Netflix

) and legal responsibilities (tax. council tax maintenance etc) have been met.

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By (user no longer on site)
over a year ago

"Are you arguing with Kirsty Alsop? "

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By (user no longer on site)
over a year ago

"The problem with the questions is its impossible to really sort out whats truly luxury and whats not.

If we are being 100% honest anything other than rice, beans, olive oil and a hand full of frozen vegetables is luxury since you can get by with just those foods, many people around the world do.

When I was an apprentice I had to save up for 6 weeks to afford a take away. Now a take away is nothing"

Yes, but it also depends on the frequency £15 on take outs, bought 3-4 times a week. Meaning £270 a month or 3.2K a year, I mean that’s a holiday right there.

I know what I’d take

So that’s why I said, if it feels like a treat , it’s probably luxury x

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By *avie65Man
over a year ago

In the west.

With credit being so freely available what was once regarded as a luxury is now an everyday item. But can lead to the lack of disposable income with it having to be paid back.

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By *uck-RogersMan
over a year ago

Oakhill

Does disposing of an income into a hidden offshore account. From faulty ppe count

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By *ad NannaWoman
over a year ago

East London

Expensive fruit is a luxury.

Anything you buy ready made that you can make yourself for less money is a luxury.

Takeaways are a God send when you're too ill or tired to cook, but still a luxury.

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By (user no longer on site)
over a year ago

Proper Jaffa cakes ..not the smart price ones ...that's when your flush like ...I was that flush once ...I bought a proper pineapple ..not tinned ..

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By *ig_eric_tionMan
over a year ago

IPSWICH

To be a bit boring about it. I'd say any food with 20 per cent vat could be deemed a luxury such as sweets etc. VAT is 0 or low rate on things deemed necessities.

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By (user no longer on site)
over a year ago

"Disposable to me means throw away, so money to waste on unnecessary items, not essential thing's."

Discretionary is probably a better term. What can we realistically chose to spend or not.

Many things that can be classed as essentials have a discretionary element once you go past the basic level. Then beyond that there are luxuries that are nice to have but not at all essential.

What is essential to some or a luxury to others may not be the same thing at all.

Blueberries are probably more on the discretionary end of the spectrum. But not really a luxury unless you have to sacrifice something to afford them.

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By (user no longer on site)
over a year ago

I's imperial leather soap still a luxury ..

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By (user no longer on site)
over a year ago

"….

I mean I think take aways can be considered a bit luxury. Kinda like dining out! Or go food shop at expensive places like whole foods or fortnum and Mason .

If it feels like a treat, it’s probably luxury

On the other hand time vs money has to be a dimension.

For example if you pay £15 for a takeaway vs say £5 + your time to prepare the meal. Then it is maybe a luxury to have the takeaway.

However if you can spend the 1h it might take to prepare the meal doing something more productive - and that yields more reward whether monetary or otherwise than the £10 saving, then I’d consider that an investment

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By (user no longer on site)
over a year ago

"Expensive fruit is a luxury.

Anything you buy ready made that you can make yourself for less money is a luxury.

Takeaways are a God send when you're too ill or tired to cook, but still a luxury.

If you spend 1h extra in the “office”and bill for that time - rather than devote that hour to save a much smaller amount on food costs. Is the same takeaway still a luxury? It could be a privilege to have the choice but I’d not consider it a luxury in that context. More a wise use of time.

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By *arkus1812Man
over a year ago

Finedon ,

Disposable Income - Money left in your bank account 24 hours before next payday.

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By (user no longer on site)
over a year ago

"….

I mean I think take aways can be considered a bit luxury. Kinda like dining out! Or go food shop at expensive places like whole foods or fortnum and Mason .

If it feels like a treat, it’s probably luxury

On the other hand time vs money has to be a dimension.

For example if you pay £15 for a takeaway vs say £5 + your time to prepare the meal. Then it is maybe a luxury to have the takeaway.

Potentially, but isn’t “free time to do what you want”mthe most worthy luxury of all?

What if you can have the time to do what you like! Like cooking! Some people despise it and that’s fair enough, some people enjoy it but don’t have time for it. So they need to get a take away instead.

Also, you haven’t taken into account the potential nutritional value from each. Healthy vs Not so Healthy.

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By (user no longer on site)
over a year ago

Money that’s left over after the cost of some anger management therapy?

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By (user no longer on site)
over a year ago

"….

I mean I think take aways can be considered a bit luxury. Kinda like dining out! Or go food shop at expensive places like whole foods or fortnum and Mason .

If it feels like a treat, it’s probably luxury

On the other hand time vs money has to be a dimension.

For example if you pay £15 for a takeaway vs say £5 + your time to prepare the meal. Then it is maybe a luxury to have the takeaway.

Potentially, but isn’t “free time to do what you want”mthe most worthy luxury of all?

Also, you haven’t taken into account the potential nutritional value from each. Healthy vs Not so Healthy.

Well if you enjoy cooking that much then it is going into the realms of a hobby - so yes I agree time well spent.

Very big assumption to make that a TA is unhealthy. Given that almost the entire restaurant base of an average Town /city is not available via the home delivery apps. Takeaway does not have to mean a kebab or curry!

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By (user no longer on site)
over a year ago

Now (not not) jeez this forum is in the stone age that you can’t edit posts!

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By *idnight RamblerMan
over a year ago

Pershore

Strictly, disposable income means the money you have from your wages or other revenue streams after deduction of taxes and NI.

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By (user no longer on site)
over a year ago

I love the depth of analysis on the thread

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

Pay your:

Rent/Mortgage

Gas

Electric

Water

Council Tax

T.V. Licence

( any credit you may have taken out to buy things )

Buy:

Enough food for a week ( including cleaning and toiletries )

Put enough money away for food for the rest of the month

Put some money away monthly for :

Car Tax

Car insurance

House insurance

Life insurance

Set amount for essential clothes

Put away a little bit of money each month and forget it ....... that's for emergencies that you couldn't predict.

The above is BASICS .... others may have more bills

Anything you have remaining after paying the above is referred to as 'disposable income' .....

To be honest ... everyone should consider SAVINGS and not dispose of the lot.

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

"What do you mean OP? What counts as a luxury when buying food?

Yes!

Anything like puddings, crisps, biscuits. Take aways and posh things like marks and Spencers rhubarb and custard yougurt even though it's lush

So would you consider blueberries as a luxury item? They are very expensive per kg/nutrition"

Depends on your income. I buy frozen ones. The don't go off. They are cheaper. I consider them quite a luxury but if you haven't got children and both work I guess they appear cheap .....

They are a great source of needed nutrition and shouldn't be thought of as a waste of money like e.g chocolate , pizza , crisps .... which are just fucking junk

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

"Is this statement correct?

"Anything you buy in your weekly grocery shopping doesn't come under disposable income."

God forbid I bought 10 tubs of Ben and Jerry's and 15 year old whiskey

The statement is correct if FOOD for nutrition and survival is bought.

The statement is incorrect if sugary shit is bought.

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By *immyinreadingMan
over a year ago

henley on thames

For clarity, out of court settlement payments fall under disposable income, preferably someone else’s

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By *ifty grades of shadyCouple
over a year ago

Carisbrooke, Isle of Wight

Maybe the Daily mail can help with this https://www.dailymail.co.uk/news/article-10064681/How-cost-family-shopping-basket-changed-pandemic-began.html

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By (user no longer on site)
over a year ago

"….

I mean I think take aways can be considered a bit luxury. Kinda like dining out! Or go food shop at expensive places like whole foods or fortnum and Mason .

If it feels like a treat, it’s probably luxury

On the other hand time vs money has to be a dimension.

For example if you pay £15 for a takeaway vs say £5 + your time to prepare the meal. Then it is maybe a luxury to have the takeaway.

Potentially, but isn’t “free time to do what you want”mthe most worthy luxury of all?

Also, you haven’t taken into account the potential nutritional value from each. Healthy vs Not so Healthy.

Well if you enjoy cooking that much then it is going into the realms of a hobby - so yes I agree time well spent.

I agree I suppose it’s true that there are some great take aways that are also healthy

I don’t know I always seem to view it as a treat meaning being not as healthy because you can’t control the amount of salt or what exactly goes in it.

But it is a total assumption

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By *G LanaTV/TS
over a year ago

Gosport

It would depend whom I'm arguing with and why. If it was the judge setting the level of a fine based on disposable income than my answer would be somewhat different than if I was working out the bare minimum I could reasonable survive on.

Generally, from past experience, I think I could subsistance live on about 30% of my current shopping grocery budget and possibly a fair bit less by exploring options like our local trash cafe, which seems to collect and sell near end of life foods at considerable savings.

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By *inx.x3Woman
over a year ago

Bath

"I love the depth of analysis on the thread

A lot deeper then the actual disagreement lol

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By *hocolateBrownMan
over a year ago

bris

Any money left after you have paid your direct taxes is disposable income.

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By (user no longer on site)
over a year ago

Personally everything which is left over after paying council tax, utilities, food and other essentials.

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By *llovereveryMan
over a year ago

Halifax

"When we talk about food?

I'm in a very heated argument with someone about it right now. Chairs have been thrown, names have been called and we're about to go nuclear.

So please help us settle this matter at last

I think its relatively simply. From an economic perspective, disposal income is the amount of money per individual or household has to spend or save after taxes are deducted. Thats a narrow definition because for most, this includes deduction of taxes, social security charges, and basic living costs.

Basic living costs includes utilities, petrol and essential food, clothing etc. I guess what is considered as essential is open to debate.

Arguments about are blue berries or takeaways is more based on discretionary income potentially. Again, it depends on what you consider essential or not.

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By (user no longer on site)
over a year ago

It's what you have left over once you've paid your bills, food etc for the month, to live on until you get paid again. That's my understanding of it. Quite simple really x

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By (user no longer on site)
over a year ago

"It's what you have left over once you've paid your bills, food etc for the month, to live on until you get paid again. That's my understanding of it. Quite simple really x"

That is discretionary income. Disposable income = net income.

I.e Income after taxes and other deductions.

Discretionary income = disposable income - essential (or non discretionary bills).

It is a little confusing. But there it is.

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By *ed-monkeyCouple
over a year ago

Hailsham

Is the argument still going on?

Serious question, really need to know!!!!!

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By *nimaginativeUsernameMan
over a year ago

Rochester, Kent

I’m not sure who the OP is arguing with (outside of the forum members), but I’m guessing it’s the OP who is throwing the chairs.

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By *ed-monkeyCouple
over a year ago

Hailsham

"I’m not sure who the OP is arguing with (outside of the forum members), but I’m guessing it’s the OP who is throwing the chairs.

Are new chairs to replace broken ones essential items or a luxury??

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By *nimaginativeUsernameMan
over a year ago

Rochester, Kent

"I’m not sure who the OP is arguing with (outside of the forum members), but I’m guessing it’s the OP who is throwing the chairs.

Are new chairs to replace broken ones essential items or a luxury??"

Not sure, but depending on his employment situation they might be tax-deductible.

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By *ed-monkeyCouple
over a year ago

Hailsham

"I’m not sure who the OP is arguing with (outside of the forum members), but I’m guessing it’s the OP who is throwing the chairs.

Are new chairs to replace broken ones essential items or a luxury??

Not sure, but depending on his employment situation they might be tax-deductible. "

At the higher rate or basic? Can the VAT be reclaimed so you can buy blueberries??

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By *nimaginativeUsernameMan
over a year ago

Rochester, Kent

"I’m not sure who the OP is arguing with (outside of the forum members), but I’m guessing it’s the OP who is throwing the chairs.

Are new chairs to replace broken ones essential items or a luxury??

Not sure, but depending on his employment situation they might be tax-deductible.

At the higher rate or basic? Can the VAT be reclaimed so you can buy blueberries??"

I’d need to check with my accountant. But on the face of it I’d suggest blueberries would not be a legitimate business expense, just a luxury item. However, if he bungs the Asda cashier a couple of quid they might scan them through as Custard Creams. Then that would be perfectly acceptable… though Custard Creams are only 89p in Tesco, so it wouldn’t be worthwhile.

It’s a minefield out there.

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By *immyinreadingMan
over a year ago

henley on thames

"When we talk about food?

I'm in a very heated argument with someone about it right now. Chairs have been thrown, names have been called and we're about to go nuclear.

So please help us settle this matter at last

It’s the money left over after the bills and daily essential have been paid for.

It’s stuff that you don’t actually “need” today, or this week or this month, it’s at your “discretion” whether you buy it now, or at all.

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By (user no longer on site)
over a year ago

"I’m not sure who the OP is arguing with (outside of the forum members), but I’m guessing it’s the OP who is throwing the chairs.

Are new chairs to replace broken ones essential items or a luxury??

Not sure, but depending on his employment situation they might be tax-deductible.

At the higher rate or basic? Can the VAT be reclaimed so you can buy blueberries??

It’s a minefield out there. "

Your accountant also does your shopping? Money saver right there. I'm going to sack my butler.

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By (user no longer on site)
over a year ago

Any income you have to spend is disposable income after housing costs...Any food that you don't need just to keep you alive....that's you spending disposable income on, remember in my mind disposable income is anything left over after the basic requirements have been paid, not just food.

Too many people live life without realising what it's like to truly have little or no disposable income... anyone who thinks they have no disposable income try going for five days without spending a penny! Eat everything food wise in your cupboards fridges etc until you have nothing left ( and I mean nothing) then buy nothing but something to stop you collapsing...

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By *immyinreadingMan
over a year ago

henley on thames

"Any income you have to spend is disposable income after housing costs...Any food that you don't need just to keep you alive....that's you spending disposable income on, remember in my mind disposable income is anything left over after the basic requirements have been paid, not just food.

Eh ... I think most of us understand what it means to have zero disposable income. A grim prospect, one that I have luckily avoided

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By (user no longer on site)
over a year ago

Eh ... I think most of us understand what it means to have zero disposable income. A grim prospect, one that I have luckily avoided "

Understanding and knowing are two different things.

I’ve no comprehension of what that situation would feel like but can understand the mechanics of the predicament. I imagine it would cause huge anxiety, stress and even panic. But not everyone has experienced that first hand or even witnessed it directly so I agree with 2 posts above that majority who’ve not been impacted might over simplify the solution.

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By *inx.x3Woman
over a year ago

Bath

"Is the argument still going on?

Serious question, really need to know!!!!!"

It ended. He admitted I was right and that dominos would only be bought from disposable income and that blueberries are an essential and sent a nude as an apology.

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By (user no longer on site) OP
over a year ago

"Is the argument still going on?

Serious question, really need to know!!!!!

It ended. He admitted I was right and that dominos would only be bought from disposable income and that blueberries are an essential and sent a nude as an apology.

Never trust a woman with her tits out!

They're snake charming you!

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By *immyinreadingMan
over a year ago

henley on thames

"Is the argument still going on?

Serious question, really need to know!!!!!

It ended. He admitted I was right and that dominos would only be bought from disposable income and that blueberries are an essential and sent a nude as an apology.

Never trust a woman with her tits out!

They're snake charming you!"

... and it works. One good flash of a great pair of tits and it’s “take me to your leader” time

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