To ask what are your actual household bills? Given the way things are going?

[Threestripesurout]

Just that really, with the way things are heading what are your household bills?
What will you get rid of first?

Mine are
Mortgage 760
Council tax 192
Electricity 110
Gas 100
Water 60
Phone x2 49.99
Netflix 6.99
Broadband 17.99
Life insurance 22
Food 80 per week (family of 4)
Fuel 60 per week (dh cycles to work)
No childcare thank god! My mum collects the dc from school and then I collect from hers after work

Obviously the Netflix would be going first as my electric and gas haven’t gone up yet.
I don’t know what else could go…life insurance?? Need the broadband for work as I wfh…

What about you?

Mortgage 660
Council tax 150
Energy 280
Water 40
TV/internet 80
Car 200
Childcare 800
Food 550
Diesel 100
CC 350
Phones 90
Cleaner 100
Gardener 40
Spotify/Netflix/Amazon etc 40ish
Insurances 150
Dental 60

Definitely need to up our food and diesel budget though! Thankfully energy prices fixed last year or else would be more like 350. If we ever sell our house and move mortgage and council tax will rise too...

Mortgage 585
CT 200
Gas and elec 180
Insurances (cars,life,pet,house) 150
Mobiles 30
TV licence 14
Vehicle tax 30
Broadband 25
Netflix/Amazon/Disney plus (should ditch one) 30
English heritage 10
Scouts 20
Christmas savings 75
Various small debts 40

Obviously quite a bit of fat that could be trimmed there.

Combined income of around £3400.

Oh yes, food between 500 and 600 (2 adults, 3 kids plus dog). Fuel paid for by business.

Is it just me, or are the mortgage payments in this thread really low?

@shabbalabba yes worrying if you don't get help those who don't work often don't pay as benefits cover but if your in that middle bracket where you earn just to much for help it can be costly and a real struggle
Also based on house prices so someone who may have a large house bought years ago can have a large council tax bill
Mine is about £153 a month for a : bed terrace , but it varies across the country of london boroughs are cheaper

@BambinaJAS either bought years ago , had large deposits of live in a cheaper area

@BambinaJAS there's a couple over 1k there I would say that's very high!

We are mortgage free and I have no idea how much our outgoings are as everything is on direct debit from my DH bank account.
I do know that the food shop is around £40 per week though as there's only me and the dog here most of the time and I spend £30 per month on petrol as I don't use my car much, which also comes out of DH bank.

My basic increase per month as going to be about £30 a
month for the additional rent, council tax and water bills that have come in. On top of that will be the electric, heating oil and rises in food, petrol etc.

I’ve asked my adult daughter to pay an extra £50 a month (she is only paying £200 with a full time job) and I will see what changes are made to my salary in April. Once I have all the figures together I will decide what to cut. At this stage it will be doing food
shopping more carefully - better meal planning, less snacks etc and losing things like the window cleaner and possibly some subscriptions such as Disney plus - which I took on due to lockdown for the children. I save a bit each month so that will also be one of the things impacted as I may need to use it instead. I’m on a low income but Im not a spender so do have a little bit of a buffer until things settle down and I have a better idea what the new cost of living will end up being.

@norgie - are you happy with that situation?

Mortgage- 245
Council tax- 110
WiFi- 26
Phones- 65
Gas and electric- 60
Food- 70 a week (family of 4 2 adults toddler and newborn)
Petrol- 100 a month (don't use car much)
Amazon prime- 7.99
Water- 30

Have quite small outgoings at the mo but have just bought a house and are upsizing. Expecting a massive increase in gas and electric (like 4x increase) and a slightly higher mortgage (about 400 a month). Petrol will actually be less because toddlers new nursery will be in walking distance and my mum will be too, will only need the car for DH to commute the 20 mins to the office twice a week.

We are mortgage free, I know our CT but everything else household wise comes from DH’s account.

I pay for the childcare which is about £800 until September when the free hours kick in.

I could cut Netflix/prime/national trust if needed. We earn about £6.5k pcm between us which makes us extremely privileged and we live in a cheaper area so whilst we are making adjustments like more meal planning and buying our winter log burner fuel now we are lucky that things won’t be too different right now.

@Foolsrule Very much so, why wouldn't I be?

Mortgage £760
Council tax £180
Gas/elec £110
Phone £31
Car loan £290
Car insurance/tax £90
Petrol £250
Food £600
Life insurance £40
Broadband £20

Pets £400
Amazon £3.99
Spotify/Netflix £10

Tbh there is not a huge amount we can cut down on. Food is a massive cost so could look at that. Pets includes insurance, daycare, food etc so not much I can do about them.
We are lucky though our energy costs seem pretty low compared to others.

@norgie - because it seems a very old fashioned way of doing things. Don’t you have your own account? Own money? There’s no way I’d be so reliant on someone else!

@Foolsrule Yes, I have my own account which my own salary is paid into and remains largely untouched.
I have full access to his account, including a bank card.
It's worked for us for almost forty years.

Mortgage £908
Council tax £245 (just had new bill)
Water £66
Gas and electric £168 (fixed until start of May so expecting this to be about £300 with increases)
Car tax £18
Broadband £26
Mobiles £46 (1 on contract 3 on sim only)
TV licence £13
Pet insurance £22
Contact lenses £25
Bank account fee £12
Food £700 (Inc school dinners)
Petrol £150 (both wfh)

Pay home ins and 2 x car insurance annually comes to about £650 a year as both drive bangers. Cars owned outright
Monthly bills approx £2500 taking into account gas and electricity rises

Gas is on prepayment meter so just whatever we can afford to put in to it which is usually about 15 a week.
Electricity - £54
Phone contract - £19
Partners phone - £50
Netflix £10
Partner pays for Disney+ and Prime so another £20
Gym membership £28
Council tax varies each month but is about £250
Food shop - £80 a week
Sky TV & Broadband £85
Spotify - £10

First to sort out is Sky. Partner just got a new phone so unfortunately can't get his cost down at all.

@BambinaJAS

Is it just me, or are the mortgage payments in this thread really low?

And the council tax! Ours are:

Mortgage £890
Council tax £264
Gas and electricity £330
Water £35
Phones £70
Broadband and Sky £80
Amazon prime £7.99
Pet insurance £90 (old dog)
House insurance £16
Life insurance £30
Diesel £120

Then childcare plus kids activities (music lessons, dancing, swimming etc) are around an extra £1200 pm

We can’t cut down anymore but tbh, I’m not all that worried. DH has just got a payrise which takes our yearly household income up to £90k.

Oh and around £700 a month for food for 5 of us

Our mortgage is currently 1263 - soon to be 2300 when we move
We are keeping hold of our flat though and that should give us £400 profit a month after tax and expenses.
Council tax is £160
Water - £44
Gas and electric - currently £265 - from April 1 £430 (this makes me feel sick)
Phone Contract - £65 - part of this is a work expense
Daughter's phone - £10
Son's phone - £23
Netflix, Disney, Prime - £30
Broadband - £59
Spotify - £15
Daughter's special contact lenses - £40
Son's tennis £50
TV license - £13
Petrol - £40
Food - £700

There are other things like insurances and the like that come out of my husband's account. The fuel bill is the one that gets me though - I've recently had smart meters installed and even being anal about switching things off and being tight, I'm still getting through £5-7 a day - and that's before the rate rise on April 1. We are in a 3 bed conversion flat in a detached edwardian house. It's big (comparable to an average 3 bed house) but I don't know how to cut back on the bills. Husband and I both work from home, kids are teens so on computers doing homework or gaming in the evening.

I live alone. Mine are...

Mortgage £380
Council tax £84
Gas and elec £80 (its never been more than £50 in the last 18 years, will go up to £110 in April)
Water £20
House & contents insurance £9
Tithe to church £120
Car insurance £24
Petrol £200
Critical illness cover £12
Mobile £6
Fibre £19
Union fees £14
Professional registration fees £15
Now TV deal £5

Council tax is spread over 10 months, so in the "free" months of Feb and March I pay £80 for a years Amazon subscrition, and also a annual car breakdown policy.
I have a friends Netflix password, and am part of my wider family's group spotify account, which I have offered to contribute to bill payer insists I don't need to.

I know I am blessed to be in a position of having low out goings, but that's mainly because I chose to live in a little old house rather than a big swanky new build one like so many of my old schoolfriends and work colleagues.

Very interesting..... I'm looking at ways to cut my outgoings so I don't need to work so far from home/in a stressful job/such long hours, whereas my Brother and Sis-IL are prioritising career ladder and increasing income so they can buy more things/move to an even bigger posher house/have giant extension. In essence it's me looking for ways to reduce stress and spend more of my time doing what makes me happy, and it's him looking for a plusher environment to surround him while he winds down from all his stress. Not a criticism, but just very odd to see how different folks choose life.

My god these lists mine is so small in comparison...I feel like I'm forgetting something!

Monthly:

Mortgage £650
Council Tax £100
TV Licence £13
Gas/Electricity £62
Life insurance £40
Klarna (I know...) £30
Water £30
Broadband £27
Mobile £8
Now TV £30
Food & Alcohol £400
Lottery £40
Travel to work £70
NHS prescription card £11

Which all adds up to just under what I earn per month. I try to save the rest, maybe £100 or so, but there are months where that's not possible when I get annual bills like home insurance or ground rent or leaseholder fees.