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?

I actually have no idea.
Mortgage is £3000 everything else is on direct debit.

I'm 35 and still don't have a budget as such. I'm good with money and don't spend on crap.

Am I the only one?

Mortgage £0
CT £182
gas and electric £170 (up from £107)
water £40
broadband £28
phones £10 and £7.50,
Sky £50
Netflix £9.99
Apple TV and music £148 for year ( Disney+ free with club card points)
Prime £79 for year
Grocery £500
Car tax £165 and £0 year
caravan insurance £200, year
car insurance £500 for 2 cars
car servicing and MOT, about £400 - 500 for 2 cars if no work needed
house insurance £290, year
Fuel about £150

First to go would be cut down on grocery.

Income around £50k from 2 final salary pensions.

@youdialwetile

How come everyone's mortgage payment is so reasonable? We are in the USA and pay $3200 a month!

Sounds like a dream. $6000 a month here (Australia)

3 bed 2 baths

Mortgage 10 (honest )
Gas and electric 250 (will inevitably go up)
Water 40
Council tax 260 (10 months out of 12)
Netflix, Amazon, Spotify 27
Fuel x 3 cars 150 (short commutes)
Insurances (life, cars, house) about 250?
Private tutoring 600 (set to finish in May/June thank goodness)
Food, toiletries, pets, wine 800
Cleaners 150
Pensions and NI over 1000
Broadband 50
Phones x 4 130

Rent £125 (balance after housing benefit)
Gas/electric £189 (from April)
Sky £75
Broadband £25
Mobile phones £140 (mine & ds +MiFi)
Food £400
Amazon Prime £7.99
Britbox £3.99
YouTube Music £17.99
Readly £7.99
TV licence £13
Books approx £15 (Kobo)

I'm 35 and still don't have a budget as such. I'm good with money and don't spend on crap.

@fridaRose having a budget does not mean someone is bad with money! It means they know where their money is going?

I'm great with money...j don't spend on crap, am mortgage free, save 2k a month and invest. It's not a bad thing to assign your money, that's what budgeting is!

@shabbalabba errr I think you misunderstood.
I questioned myself whether i'm the weird one out as I don't have a budget.

@fridaRose fair enough...

@youdialwetile

How come everyone's mortgage payment is so reasonable? We are in the USA and pay $3200 a month!

Ours is currently £1263 - will be £2300 once we move.

Ours is £1600 for a fairly crappy south house

[quote Happyhappyday]@youdialwetile is that including your property tax and insurance? You must have a pretty big mortgage or a bad interest rate?[/quote]
That does include the USA equivalent of taxes and mortgage insurance. I think it's 3.625% - looked to refinance a while ago but the fees meant it would have made little difference. Now they are heading up anyway.

A recession is 50% on the cards now in the UK

My DH & I are cutting back on any external spend that is not necessary with our DD2: namely eating out.

Just got the new bill for the nursery and this is increasing by 6% this year.

In terms of finances, we are ok. Largely cutting out eating out because the frequency of meals out that have been "below average" in terms of experience has increased a lot in the last year. You end up paying a lot for average food & service, with a service charge on top. No thanks. We will be doing our own thing from now on at home.

@shabbalabba

I'm 35 and still don't have a budget as such. I'm good with money and don't spend on crap.

@fridaRose having a budget does not mean someone is bad with money! It means they know where their money is going?

I'm great with money...j don't spend on crap, am mortgage free, save 2k a month and invest. It's not a bad thing to assign your money, that's what budgeting is!

Its easy to save when you dont have kids.

Thats not exactly rocket science

I’ve just gone though my direct debits and can’t believe how many there actually are!! Here goes: 2 adults 2 children in a nice part of a cheap county if that makes sense!
Mortgage 405
Life ins 69
House ins 26
Car tax 23 (one is EV so 0)
Gas elec 160
Council tax 246
Water 65

Broadband 32
Tv licence 13
Netflix 10
Spotify 10

Gym 40 for both of us
Swimming lessons 97
Football subs 18.

Boiler cover 12
My phone contract 62 (DH through work)
Caravan ins 21
Milk man 24
Charity 13
Nintendo 4 - don’t know what it’s for
PlayStation 7 - also don’t know what it’s for
National trust 11

Unknown - Aviva?? 13

Food probably 500
Petrol 100

I’ve roughly ordered them in order of what we’d cut back if need be

Blimey I can't believe some of these mortgage payments. Thank god I made a decision to buy just a a tiny house after my divorce - I only just balance things as it is and that's being mortgage free! My biggest outgoing is £500 on food for me and dd and the dog and £40 on a veg box on top. I cannot get it down - but we rarely eat out and I wfh . One low income here . I do save a bit each month so that will be what I cut if need be, but I do have some maintenance jobs I'm saving for

@FarmGirl78 I get what you’re saying but it’s a bit naive. A £380 mortgage is tiny, it’s down to more than what you ‘choose’. People live in shitty places with mortgages double yours and rents triple/quadruple.

@BambinaJAS I have 2 kids...

Ours are

Mortgage 700
Council tax 163 (band B!)
Water 34
Gas and elec 172 but due to go up to 255!
House insurance 35
Life insurance and ASU 100
Broadband and TV 50
2 x phone 20
Netflix and Prime 17

Petrol 80
Car insurance/breakdown./tax 47
Trainfare 60

Childcare 130
DC activkties 107
DC magazine 10

Dog food 27
Dog medication 20
Dog walker 75
Insurance 40

Gym 26
Cleaner 120

Food 600

Mortgage £422
Gas/electric £120 (about to double)
Water £18
Council Tax £158
Phones: £7+£7+£7
Broadband: £22
Union: £17
(Can’t get my own life insurance or critical illness but covered through work)
Netflix £8.99
Amazon £7.99
Disney £5.99
Car Petrol: £70
Kids hobby: £140
Home insurance £250
BG boiler cover £45. (I must look at that!)
Tv license £15ish
Car insurance £258
Hobby membership £74 year

Also:
Hairdresser £20 every 7 weeks
Window cleaner £10
Breakdown cover to the hilt £250 year (paid way over what I usually do)
Food £120 week (must cut that down)
School lunch £20 week

[quote YellowPlant]@FarmGirl78 I get what you’re saying but it’s a bit naive. A £380 mortgage is tiny, it’s down to more than what you ‘choose’. People live in shitty places with mortgages double yours and rents triple/quadruple.[/quote]
Apologies, I should have pointed out I was talking on a local scale. Round here you can get small 3 beds in nice areas for £170, which I known is not the norm for so many people, I just can't fathom why couples (round here) with either no children or only 1 child will spend £450k on 4 bedroomed detached and then moan they've got no money.

Mortgage free.
Dual fuel £90 increasing to £160 in April
Water rates £25 (meter)
Council tax £104 from April (2 bed house)
Mobiles x 4 approx £40 (1 mobile is work 1 mobile is spare)
Sky £36 but cancelling Dec end of contract
Netflix £6.99
BT email £7.50 but cancelling early summer as my gmail is free
Home ins c £10
Structural ins £14
Debts £4.75
Food and cash £520 for me and 17 yr old ds (high maintenance I know)

I forgot car expenses
£35 car ins
£16 road tax
Petrol £30 (work at home)

Car tax 150
Mobile 6 per month
Car insurance 200
C tax 125
Water 150
Tv licence can’t remember
Petrol 15 per week
Gas/Electric. 4 month billing 300 will cover
House insurance 200