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Original poster

AIBU to ask what your half of household bills comes to?

113 replies

Billsplitre · 24/04/2026 15:44

What is your half of household bills? Excluding food shopping. Just mortgage/ rent, utilities, council tax, joint insurance or car payments. Assuming you split costs 50/50 with a partner or thereabouts.

I've seen a few content creators talk about this online recently and been surprised how high it is, usually always over £1000 meaning full costs are over £2000 before food.

I'm probably being unreasonable to think that's such a lot given how high costs are at the moment

OP posts:
Waitingfordoggo · 24/04/2026 21:00

I put about £800-£1000 a month in the pot. We don’t have a mortgage or rent to pay.

So that is my contribution towards: utilities, council tax (ours is v high), broadband, TV, phone contracts, leisure centre memberships for 4, car lease payments, car insurance, life insurance, pet insurance. And probably some other things I’ve forgotten about.

RomeoOscarXrayXray · 24/04/2026 20:58

Based on our very detailed outgoing spreadsheet which accounts for every single household cost we need £3,591.17 every month. That is full bells and whistles. Pet costs, DC costs, insurance, food, miscellaneous spending, mortgage, the lot.

My share based on proportionate income is £1,600 per month. DH and I have equal disposable income after all bills are paid.

Instructions · 24/04/2026 20:57

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maddiemookins16mum · 24/04/2026 20:55

We each pay £825 a month to a ‘bills account’. All of our bills including mortgage and every other outgoing comes from this account. Included in this £825 is a buffer £100.00 each.

In addition to this we pay £200.00 a month each to the ‘grub account’ - this is for our food/household shopping.

DisplayPurposesOnly · 24/04/2026 20:53

I've seen a few content creators talk about this online recently and been surprised how high it is, usually always over £1000 meaning full costs are over £2000 before food.

Can't you add up your own bills for comparison?

Swissmeringue · 24/04/2026 20:50

I'm a SAHM so nothing lol. I'd need to double check the spreadsheet but I think our essential bills in total are around £1500 a month, our house and cars are paid off though. Before our mortgage was paid off last year it was roughly £3000 as our mortgage was also £1500.

It's going to vary wildly dependent on location etc. £1500 might sound like a huge mortgage in Burnley but in London it's tiny.

loosethepounds · 24/04/2026 20:46

£325. Mortgage paid off. Both now retired.

Didimum · 24/04/2026 20:33

We don’t split 50/50, but if we did my half would be £2,650 (£5,300 Total). That includes everything, like children’s clubs/tutoring, cleaner etc, but not food shop.

Why exclude food shop? It’s a pretty essential bill!

tnorfotkcab · 24/04/2026 20:18

We just have the one account it all on goes in.

CoastalCalm · 24/04/2026 20:16

About £350 a month but mortgage is paid off

Kisco · 24/04/2026 20:09

My half is £1400 - this includes mortgage, council tax, car payment, petrol, gas/electric, nursery fees and insurances (life, home and car). Doesn't include groceries.

Twokittenchaos · 24/04/2026 19:57

£1,050 excluding childcare, £1,400 including it

Femalemachinest · 24/04/2026 19:50

I live alone but my bills without food, any car payments (I pay yearly for insurance) or cat food/litter is around £1000. When my ex lived here I think we paid about £800 each which included a bit of savings and we paid for our own cars separate.

edwinbear · 24/04/2026 19:49

My share is £3k, but we have 2 DC at private school plus the mortgage.

scoopsahoooy · 24/04/2026 19:44

£750ish. That includes pet insurance and food, a couple of streaming services, and a boiler that's being paid off (plus mortgage, insurances, utilities, internet, council tax).

mamaduckbone · 24/04/2026 19:40

I pay £1130 into our joint account. That’s all utilities and food. No mortgage, I’m the main earner, Dh contributes a good chunk of his salary to savings and pays for other one-off expenses eg car servicing. He’s also currently forking out for ds2’s driving lessons.

ineousa · 24/04/2026 19:34

I live alone and it’s £850 including subscriptions.

plover26 · 24/04/2026 19:29

Somewhere around £1800-2000 between 2 people.

Peonies12 · 24/04/2026 19:24

Our mortgage alone is £1,600, i dont even think that’s very high. I contribute £1,700 for half, thst includes nursery for 1 and all food, fuel; a car loan.

purpleme12 · 24/04/2026 19:22

Mortgage and council tax and gas and electric are £585

GreatWhiteWail · 24/04/2026 19:20

£2300 a month for bills, so 'my half' £1100 (though we just throw our salary into one pot and keep a couple of hundred each for personal spends).

Bills include: mortgage £1500, council tax 380, insurances, TV and Sky, gas and electric.

Renter2026 · 24/04/2026 19:16

That said - no mortgage or debts

Gas / Electric £110.00
Mobile £10
Council Tax £160
TV licence £15.00
Internet £68
Savings £650
Netflix £13

Water, Amazon, Gym, all insurance, car tax, service etc paid annually

cadburyegg · 24/04/2026 17:55

I split bills with me only. £1600. Includes mortgage, bills, car insurance & road tax, all direct debits. Car not on finance.

I won’t post the breakdown because I get some UC and I don’t want people getting their backs up thinking they can tell me what I spend the £190 on 👍

Nourishinghandcream · 24/04/2026 17:48

"Just mortgage/ rent, utilities, council tax, joint insurance or car payments. Assuming you split costs 50/50 with a partner or thereabouts."

Utilities (gas/electric, water, BB) £160/m.
Council tax £330/m.
No mortgage or car payments and any insurance (buildings/contents, cars etc is paid annually).
So based on your criteria, £490 all in.
No split with my OH, everything goes into the joint account and is paid out of there.

Spottyvases · 24/04/2026 17:47

Sorry - I meant £550 is the total amount for bills without food added on

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