To ask what your outgoings are?

[coffeewithmilk]

What are your monthly outgoings?

Just out of curiosity - I'm not in the uk.. currently outgoings for a family of 4 are €3.5k

That consists of:
Mortgage
Creche fee
Car payments x2
Monthly food shop
Electric
Dog insurance
Home insurance
Tv & Internet

I would love to try get this down but wondering what is the 'norm' outgoings for a family of 4?

There is just me, DD and our dog and our outgoings are roughly £1800 a month. If you wanted to get yours down I would suggest looking around for deals on internet services, pet/home insurance and potentially only having one car if that’s possible in your situation/circumstances?

I'm not in the UK, I live on my own and my outgoings are €3k

Single female UK.

£470
Plus food
Plus petrol

I looked at my spreadsheet yesterday.

We (2 adults) Get through between £1000 and £1500 pm all told depending on variables like gas for CH.

You are going to get a huge range op
There will be people paying a mortgage on a 3 bed semi in the North at 600 a month and people paying double that to rent a room in a shared house in london.

Three adults and a teen
Rent and all bills incl. internet, subscriptions etc. £2.2k
Food £500-600
My petrol £60-100
Car insurance £80
My personal subscriptions and bills £100
No personal debts

My partner spends another 2k on his car repayments, insurance for two cars, petrol, child maintenance, dog insurance and repaying credit cards.
We have separate finances so I am not entirely sure what these tot up to but his outgoings are about 4k a month and mine are around 1k

Family of 5. All bills/DD's come to about £2300.

Food/non-food shops and petrol about £900 a month.

So £3200 a month which doesn't include clothes/holidays/Xmas/birthdays etc.

Couple and dog, early forties

That consists of:
Mortgage - 0 morgage free
Creche fee - 0
Car payments x2 - 0 bought outright.
Monthly food shop - £250 batch cook
Electric - £50 mainly gas which is £100
Dog insurance - £22, he's ten
Home insurance - £20
Tv & Internet - 55 sky, 7.99 Netflix
Socialising - £100
Car maintenance/insurence - 100
Water - 40
Council tax - 202

We're a high earning household but spend more on experiences, savings and work on the house.

Day to day living is cheap.

knowing my monthly expenditure won’t help you. If you want to look at cutting your expenditure you need to write down all expenses for a month and look at where money is being ‘wasted’.

Cat insurance
mortgage & home insurance
utility bills
public transport (mainly bus)
Food
Council tax
Internet

Only non essential is a weekly pilates class to help manage chronic pain.

I have made sure I have the cheaper suppliers for utilities & internet already so there really is nothing more I can cut/save on.

Check to make sure you have the cheapest suppliers in your area as well.

Family of four

£3148

If you're not in the UK then asking someone who is for their monthly outgoings is pointless, surely?

Plus people who say their grocery bill is £400 pm followed by others who say they can't possibly spend under £1k.

Repeat for council tax, utilities, TV services etc and you end up with a list of random numbers.

Terrifying. I did our annual budget recently and it came to over £100k. The biggest elements were mortgage and childcare.

Also not uk. Around €3500 for ‘essentials’ Mortgage, utilities, car, childcare, food.
Our Mortgage is the highest part of that and went up a fair amount when interest rates increased, so until the current fixed rate runs out it is what it is

We spend almost 5k a month, excluding food and we don’t pay for any childcare. We have 2 cars. Thats just household and doesn’t include any of the kids activities / tutors etc.