Grocery shopping may be more expensive, health insurance premiums have gone up and energy bills are higher, but most people do have more disposable income in 2019, according to family spending institute Nibud.

Nibud has studied pay slips relating to 100 common personal situations and found that in 96 of cases, people have more cash left over after paying their bills.

‘But we are talking about 1%, or some €20 a month in some cases,’ director Arjan Vliegenthart said.

Nibud has developed an online tool where people can check the impact of the various tax changes on their disposable income.

Comparison website Pricewise also published its calculations for the rise in household bills on Friday.

It says families face an average increase of €600 a year in their bills for energy, internet, television and insurance. Single people face a €400 rise, Pricewise said.

Among the extra costs facing consumers: energy bills are up 17% and car insurance 10%, the website said.