When was the last time you made a budget for your disposable income?

When was the last time you made a budget for your disposable income?

One thing is sure in our daily lives, there are always unexpected costs that crop up. Every month new expenses arise that we forget to include in our budget, and we wonder why we run short during the month.

You might not think your disposable income needs a budget, but you’ll be surprised how quickly it can vanish.


  • Random subscriptions to streaming services and app store downloads
  • That sale you see in a store window
  • Online shopping
  • Memberships to gyms, country clubs, art lessons etc.
  • Eating out more often
  • Impulse spending
  • Last minute parties and birthdays, you need to buy gifts for
  • All the extras your kids need for school 
  • Donations for charity

And the list goes on and on.

It is very easy to spend a small fortune if you do not keep track of your expenses. It could help if you kept all the receipts and added up your expenses in a month to get an accurate estimate of how much you actually spent. Depositing a limited amount into a separate cash card for disposable expenses is an excellent way to avoid overspending.

Keeping track of your disposable income spending could leave you with some free cash every month, which could supplement your savings/investments/retirement.

Ask the advice of your advisor to help set up a disposable income budget to control your unplanned spending. [email protected]


Please note the above is for educational purposes only and does not constitute advice. You should always contact your deVere advisor for a personal consultation.

* No liability can be accepted for any actions taken or refrained from being taken as a result of reading the above.