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?

Wow your food bill is so cheap for 4 people

Mortgage £1042
Council tax £138
Energy £47 - fix ends this month so will be rising to £61
Internet £19.50
Water £15
Spotify £13.99
Food, household, toiletries etc about £200
Union subs £17
Mobile phones £12 (£6x2)
Insurance we pay annually

Doubled essentially.

Have cut back on meat and using cheaper food, thankfully have already good store of spices etc, being more selective about growing food this year - more of what we actually will use and how to preserve excess.

Heating & hot water is on less & written up we’re trying to work out a good ‘schedule’ for the timer but I’m also hoping to just be able to switch it off altogether soon.
DS amazed that yes hands and even most dishes can be washed in cold water

Fuel is a hard one as I can only cut back on trips to parents & older friend by less often or halving a day between them (they live near each other) neither option is appealing so I’ll have to move money from elsewhere (food again probably)

I am so lucky to be able to have space and time to grow food. It really can help a lot, even in stupid ways like just going to the shops less and so buying less ‘impulse’ stuff.

Fixed incomes already squeezed, I’m not sure even the squeak is left to cut tbh 🤷🏻‍♀️

Oh that’s the old council tax amount actually - it’s going up to £143

We (me and my DD) have cut out takeaways and are more carefully food shopping. Taxis have gone. I'm not buying all of the bits that I usually would for Easter. I'm also really considering what days out are worth it for my GC. We are going to get rid of sky, we barely watch it. We are keeping Prime, Netflix and Disney+ though.

A lot, our outgoings are around £3k a month and we don’t have a mortgage anymore. We do have high council tax and energy bills though, those eat up almost £1k a month before you even start on anything else.

Rent £1300
Council tax £145
Gas & Electric £200
Water £50 (Going down to £23 in April)
Phone £40
Sky TV and broadband (incl Netflix): £75 (!!!)
Amazon Prime £7
Apple Music family £15
Petrol £150
Car payments £324
Car Insurance £35
Home insurance £15
Food shop £400
Loan £450 (taken out to pay for divorce / divorce court and will be paid off as soon as I get my share of the equity of the house my ex still lives in and refusing to sell)

Single mum so this is all on me to finance. It's tight but doable but looking forward to being able to pay the loan off hopefully later this year.

Income is about £3k per month.

Monthly:
Mortgage £780 but we are currently making over payments to £900
Water £42
Electric/ Gas £128 (was £60 in October before our fixed rate ended)
Life insurance £55
Phones £40
Food approx £200
Swimming lessons £25
Netflix, prime, Disney plus - £24

We usually spend around £1000-1500 a month on other things like clothing, hair cuts, days out, household items, fuel, holidays, car maintenance etc. Sometimes more e.g. in May we pay the car insurance. I'm certain we could cut back on that stuff.

We have cancelled Disney plus and are looking at renewing life insurance on a cheaper plan. We could also stop making mortgage overpayments. I think that would be enough, the next step would be for me to work more hours but then we would have to sort out childcare.

Knowing what other people's bills are don't really help you as we all have different budgets, requirements, preferences and life stages, so you have to make your money work for you as best you can.

Have a look at the Moneysaving Expert money makeover for a systematic run through of making the most of what money you have

@TedOnTheBed

Mortgage £600 Council tax £130 Gas & Electric £73 Water £28 Phone £40, £25, £30 & £8 Broadband £45 Netflix 4K £13.99 Apple TV £6 Disney Plus £7 Amazon Prime £9.99 Apple Music family £15 Stars channel £7 Petrol £240 Car payments £430 Car insurances £95 Home insurance £15 Life insurance £20 Asda delivery pass £6 Food shop £800 family of 5

Just to let you know that Disney + now includes the stars channel so you could cancel that subscription.

About 70% is on bills and savings accounts (most are dipped in to over the year). Put £50-100 in untouched savings, the rest is spent on food and anything else we need as a family. We could cut back £100-200 on media and savings if we needed to.
The dog costs us an average of almost £200 a month, can't get rid of her though (wouldn't rush to get another if she died).

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.

@FarmGirl78 I live in a little old house and my mortgage payments are £850 per month. Goes to show how much generational inequality there is.

Council tax £272
Water £83
Gas and Electric £260
Food about £480
Amazon prime £8
Amazon music £15
Running costs for 2 cars (not sure of monthly cost!)
Tv licence £159 per year
Mobiles 2x £8

Mortgage 370
Gas and elec 140 (this will be going up but don’t know by how much)
Council tax 200
Water 28
Now TV 5*
Spotify 10
Game pass 10
Life ins 28
B&C ins 36
Pet ins 32
Broadband 15
2 Phones 37
Amazon Prime 8
Plant fuelled life 13*
Car ins 25
Tv licence 13
Car tax 13
Car service and MOT 30
Cats protection 3*
National Trust 7*
CTF 10
Vegan society 2*
Food 400 (working on reducing this)*
Hair cut and colour 50*
DS clothes and pocket money 80
Fuel 40

That comes just shy of 1600 and my income is 2200. Still need to pay for anything for house, garden, holidays, days out, vet bills etc from that along with the anticipated rise in gas/elec.

I have put an * against the first things to go/reduce if needed

I have recently changed broadband and one of the phone providers to save quite a bit.

There is me, DS (15) and the dog. I also pay pet insurance for our other dog who lives with ex H.

Op your combined income is the same as ours but our mortgage is double yours. You'll be fine. You've got lots of entertainment subscriptions you could cut back on if needed.

@Norgie how do you not know how much any of your living costs are ?

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

I live in a Victorian 2 up 2 down. My mortgage is over £1k because I only bought in 2019 so a little old house cost £250k.

Wow, some of these mortgages are so cheap! I'm with a HA and pay £700 a month in rent. But I am in London. Also I am single, so all costs are on me.
Gas/Electric around £150 p/m. Am on payg meters so expect that will go up in April. But then I've been using the heating a lot! Which I won't be doing through spring/summer.
Internet will be free for the next 6 months as just signed up with G Network. Phone, cheap £10 p/m sim.
I have prime/netflix, so £14 a month, but don't get a TV licence.
I have contents Insurance £10 p/m, no others.
CT and water around £200.
Food, it's just me and cats, so around £120 p/m. Do get the odd takeaway.
Wine & cigarettes - not revealing the total here! Although now restriction free travel is coming back, I will make a few cheap European trips and buy duty free cigs.

Other than that, no other financial commitments. Don't drive. No commute, wfh. I do buy the odd piece of clothing or hobby item or something for the house. But that's not that often. So really I won't be getting rid of anything. I mean obviously I theoretically could get rid of the wine and cigarettes but while I can afford them I won't.

I've also been doing some overtime while it's been on offer to have a bit more of a buffer. I'm very lucky, in that I will be fine. Increases will only impact on how much I put into savings. But this is mainly due to my DC being adults/financially independant. So it's just me to think about.

After mortgage and council tax 2200 each month.
This includes £190 debt, allowance for the teens, utilities, a club one does, food at £600, all insurances, Xmas saving of £90, broadband £60, etc. I’m always shocked and then go through it and realise I’ve allocated a budget to everything including my petrol and skincare.

Mortgage -0
CT £140
Gas and electricity £80
Netflix £10 or whatever it is.
Water £20
Broadband £30. I keep meaning to switch this.
Giffgaff sim. £6.
Insurance £20.
Food for 3 of us is around £70 per week

Income is about 7.2k after tax.

Mortgage - 1650
Nursery - 1000
Council Tax - 225
Gas & Electricity - 75
Water - 25
Groceries - 350 to 400
Pets - 20
Cleaner - 120
Insurance (car, house) - 70
Phone - 50
Internet - 50
TV subscriptions - 30

DH typically expenses petrol, which is really helping recently!

We save most of what’s leftover, some months like now we don’t pay nursery fees because of the 20% tax free allowance, so we’ve saved more.

DH normally gets a bonus of between 5-7k & mine normally is about 1k, although I should get more like 3-5k in my new job.

@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?

ok mine monthly 1 adult 1 teen

income monthly £1490

mortgage £0 paid of

council tax £0 dont pay it full council help

electricity/gas £80 but on fied deal till August this year

water appro £25

phone x2 £27

Netflix £5

broadband just gone up £32

Food approx £250

special vet cat food £45

Fuel £0 but get a free bus pass due to medication and DVLA wont let me drive and get appro 2 taxi's a month £20

£40 a month for wood and coal and a sweep for open fire

insurance for house and washer £350 a year

im trying to cut back but i think im in a pretty good position so not to worried but keeping an eye on it and will be donating more to the food bank

oh forgot TV licence think appro £15

for the last 5 yrs my mum yearly has paid for me and my 3 kids (two live away from home as adults)very lucky and decent holidays cruises/turkey etc but i pay my holiday insurance which can get expensive due to exsisting medical issues

I don’t have everything on the top of my head but it totals to 3,000 every month

I worked this out today.

My share of the Bill's are

Council tax 135
Water 35
Gas n electric, 69 now, 258 come april
35 scs
71 loan for wedding
20 xmas for my son
49 phone bill
Building and contents 12
Netflix I think its 12.99
Credit card 50
Nursery 100
Petrol 60
Food 200

1,1941 (approx done the sum earlier today)

Income 1,450 + 82 tax credit...I have 338 left.

My partners is

Mortgage 440
Sky and broadband 94
Car finance 185
Scs 35
Credit card 500 a month ( to get debt down)
His petrol approz 80
His phone approx 50
Payable for holidays.

The price increase will hit us.