To ask for your average household bills

[Cchick]

Hi everyone,

My partner and I are looking to buy our first home together this time next year (I know I'm a bit premature, but rather excited/anxious).

We obviously know what sort of mortgages/monthly repayments we can expect by looking online, but I really don't have a clue about household bills.

I imagine they go up significantly when you go from flat sharing/living at home to owning your house. For example, contents insurance etc.

So, I'd be really interested to hear what your average bills are per month (we have no children at the moment, it'll just be the 2 of us).

To confuse this even more, we are considering both the South East and the North. However its 80% likely going to be South East as that's where family is (and our jobs, although we could find jobs in the North) .

Thanks for getting this far!

Oh, forgot to add food. It varies slightly depending on what we buy, but it’s usually around £150pm.

Northeast
Council tax £100
Water £30
Home insurance £12 a month
Gas and electric £83 with British Gas
Sky and broadband £30
Tv license £12

Your council taxes are all so low! We're £278 a month, but that includes water.

Rented 2 bed north west
Per month
Rent £320
Water £23 ish . stunned at Cornwall prices !
Tv £12
Contents insurance ( though bank ) £14
Council tax £80 (with 25% discount )
Broadband up until yesterday I was with BT paying almost £60 a month but I've just changed over to EE for £30 with a very similar package..
Gas and lecy £50 /70 depending weather.
No car
Bus fare £60

Ah should of added gas = eon , lecky =npower both prepaid meters

£500 per month (excluding rent) in a separate account. We just pay it in at the start of the month and all DD come out of that so we don’t have to worry about anything unexpected coming out of our current account.

We use a reward account that pays us to send DD from it. By the end of the year we usually have £150 - £170 of free money which we use to pay for Christmas dinner

Ffsno, you must have a big fuck off house then

I didn't include food either, that's about £300 a month for 2 adults and 2 toddlers.

Rent: 750 (mortgage would be higher)
Telly broadband: 75
Gas & leccy: 110
Water: 60
Council tax 150

True about insurance
Mine went up about £15 on my car when I moved
But I previously lived somewhere it was very high

Come to Ireland and you’ll have no council tax or water bill 👍

God why our ours so High
Mort 1000
Ctax 260
Gas 110 lpg
Elec 58
Water 45
Broadband 35
House ins 350 per year
Life ins 70
Window cleaning 15
Tv 25
Then things like car insurance, mobiles, etc

@LakieLady
SW water are pretty pricey, used to have a meter and used little but sewerage etc still pretty punchy

at everyone paying £100 or less for electric. Ours is well over £200 a month (no gas here) and we're stuck with one supplier. The flat has air conditioning which adds a lot. And one wall is basically glass so it heats up whenever it's sunny. I tried switching the cooling off last year and the temp got to 38⁰C indoors before I gave in and switched it back on.

It's one of those flat developments where the installing supplier put in systems that are only compatible with their own tariff. We have 3 separate meters! We're stuck with them and they can charge what they want. It's such a racket.

South East
Mortgage £860
Life insurance £42
Gas and electricity £164
Council tax £145
Clean water £32
Sewage £33
Home insurance £23
Car insurance X 2 £80
Car tax x2 £35 (don't forget there will also be MOTs, tyres etc without any unexpected repairs)
Virgin, TV and fast broadband £80
Mobiles X2 £70
Commuting £80 a week but only because DH can walk to his office so it's only me that costs anything.
Groceries £600-£700

Cat food, insurance, vets etc £60-£70 on average

Garden refuse collection because our local council charges for this! £16 a month

Cleaner £96

TV licence we pay quarterly and I think it's just under £40

We also have what we call a slush fund separate from savings that we put £200 a month into that's for house repairs etc

So without; the cat, baby expenses as you don't say you have either, cleaner and garden charge because they are not essential.
Our total is around £2500 plus £200 slush fund
That doesn't include things like haircuts, clothes, socialising, holidays etc

North west 3 bed semi (Victorian)
Council Tax £234
Gas/Electric £126 (move every 12m to get cheapest available tariffs)
Water £45 (metered, was much higher before)
Telephone/Internet £30 (fibre)
TV licence/Netflix £20
Life insurance £20

£1400 for everything for 2 adults, 1 baby, 1 dog - includes gas, electric, water, council tax, mortgage, buildings&contents, life insurance, pet insurance, nursery fees, food, pet food, sofa payment, sky package, tv licence.

Our personal bills are seperate as we pay them ourselves (phone bill, car payment, netflix etc)

People need to renegotiate with Sky!! Seriously, a phone call at the end of each contract term and threaten to leave.
My Sky TV and broadband/phone is £63 and we have Sky Cinema/kids stuff and best broadband available. So:
Sky TV/internet: £63
Water £35
Gas £42
Electric £56
Mobiles £12 x 2 as we own our phones so SIM only.
Car payments plus insurance £290
Pet insurance £9
Dog food £60 (I know!)
Netflix x Prime £16
Food £500

This is for x5 pp in three storey house in London.

To be honest op it is what you make it
Our household bills are minimal
We have no mortgage (v lucky I know)
No water bill here
No council tax here
So monthly bills we have are
Electricity €80
Life insurance x2 €70
Phone bills x2 approx €70
Childcare €110 per week but that will reduce next year
Food- I budget 80 per week but it’s ususlly under 70
We don’t have a tv license or broadband

We pay most things annually:
House ins 400 per year
Car insurance is expensive here In Ireland 1400 for a van and car per year
Car tax 900 per year for van and car

Including food (approx £200) and mortgage (£650) we pay £1400 into our household account and end up with about £100 left each month even if we use it for a takeaway/meal out! However we do also have pets so it covers there insurance and food separately

Wow thankyou all, I didn't realise more people had contributed!

This is a very interesting read - amazed at how much of a variance there is.

From reading these comments, we are thinking of budgeting £500 a month for bills (excluding food and mortgage obviously).

Personal bills (fuel, phone, etc) would come from personal accounts, so that's not such a worry.

@theWarOnPeace ,if it makes you feel a little better ,my dog food bill is between £90 -£100 pm ,not including treats .
Luckily they are worth every penny

SE here

Mortgage £580
Council tax £140
Water £35 (thames)
Tv £12
Gas & Electric £53
Netflix £10
Virgin £45 (broadband)
Amazon £7
Insurance £100 (yearly)
Shopping £100 a week.....