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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to ask what your half of household bills comes to?

113 replies

Billsplitre · 24/04/2026 15:44

What is your half of household bills? Excluding food shopping. Just mortgage/ rent, utilities, council tax, joint insurance or car payments. Assuming you split costs 50/50 with a partner or thereabouts.

I've seen a few content creators talk about this online recently and been surprised how high it is, usually always over £1000 meaning full costs are over £2000 before food.

I'm probably being unreasonable to think that's such a lot given how high costs are at the moment

OP posts:
Teenagerantruns · 24/04/2026 16:12

£600 a month, rent, energy, water, council tax, tv licence, insurance and subscriptions.
We pay our own phones, no car anymore.

Catza · 24/04/2026 16:13

House including mortgage, insurance, council tax, utilities, internet etc. comes to about £1400
Car (bought for cash) is £75 a month in tax and insurance.
So half of that is about £750

House is not massive and is in a cheap-ish area in SW. I don't know where you live that it sounds high to you. I'd say it's on a lower end. Our previous house in the city was £2400 per month including bills. Again, just a bog standard end of terrace in not overly nice "burbs". Not London. We couldn't afford to live in London since 2021

Auroraloves · 24/04/2026 16:14

Just under £600 mortgage bills etc

Isekaied · 24/04/2026 16:14

Don't know

Husband pays utilities.

I only mortgage and council tax and broadband-

£780, approx £330 and £34

Life insurance approx £80.

I pay my own car bills- bought outright- car tax£220. Mot etc

House insurance. Roadside assistance

And other bits and pieces.

ReadingCrimeFiction · 24/04/2026 16:19

£2000 doesn't seem excessive at all. Our mortgage is £1700 alone and its not a big or expensive house. Council tax in Surrey is high - I think around £185 a month for us. We dont have car repayments but insurance is around £70 for 2 cars, plus another £100 per month petrol.

Other insurance- life, house, etc - around £400.

Broadband/phone etc easy £170.

I am not sure on other utilities but I would guess around £250 per month.

£180 for a cleaner.

Dontknowwhattocall13893 · 24/04/2026 16:21

1350 ish for my half
We earn pretty much bang on the same
Biggest bills are
Mortgage 1070
Nursery average 1000 with tax free childcare (in Scotland so no funded hours till 3)

Shardonneigghhh · 24/04/2026 16:22

I live alone with my kids. I pay £1300 which includes
Mortgage
Council tax
Gas
Electric
Water
Wifi
Car insurance
My union and professional registration
Netflix
Phone bills
Home/contents/critical illness insurance
Etc

I try to save too. Usually somewhere between 250 and 500. My daughter's school bus costs £1300 but I pay that annually so not included in monthly but if you add that on then £1400.

Girlintheframe · 24/04/2026 16:25

£1760 each including all costs for home, pets, cars and saving. Excluding food

Strawberries86 · 24/04/2026 16:29

Total - can’t do half as I pay more
mortgage - 1700
overpayment mortgage 150
council tax 260
my car tax/insurance 105
house insurance 30
loan payment 578 ( 9 months left of 2 year home improvement loan
credit card 100
child care/clubs 300
pet insurance 15
phones x 2 60
subscriptions 22

£3320 - I pay £2k of that
But our total take home is £6500.

HighLadyofTheNightCourt · 24/04/2026 16:30

My share is £2200 but we have huge mortgage repayments.

Walker1178 · 24/04/2026 16:31

We each pay £700 into the joint account which covers rent, council tax, utilities and food. We then pay our own phones and car expenses from our personal accounts, we both own our cars so for insurance, tax and fuel it’s around £100 each that we spend every month

Nosleepagain34 · 24/04/2026 16:32

About £600
for water, electricity, council tax, house insurance, broadband. I am mortgage free.
doesn’t include any of the kids costs or any food or vehicle costs. Usually I pay most of this which pisses me off
my car costs about £250-300 a month in insurance tax and diesel I don’t pay this out of the household account.

daffodilandtulip · 24/04/2026 16:33

I’m a single parent and I’m mortgage free, so my bills that aren’t shared with anyone are £685. But one child at uni needing top ups and one child doing driving lessons pretty much doubles this.

JHound · 24/04/2026 16:33

Billsplitre · 24/04/2026 15:44

What is your half of household bills? Excluding food shopping. Just mortgage/ rent, utilities, council tax, joint insurance or car payments. Assuming you split costs 50/50 with a partner or thereabouts.

I've seen a few content creators talk about this online recently and been surprised how high it is, usually always over £1000 meaning full costs are over £2000 before food.

I'm probably being unreasonable to think that's such a lot given how high costs are at the moment

My rent is £1,500 before I even get into anything else (a 1 bed flat).

Happyjoe · 24/04/2026 16:35

About £1,000. We have no mortgage now but we run 2 cars, have pets, we also don't scrimp on food and have the occasional takeaway or meal out, about one a month. It does add up now, everything is much more expensive.

Mumstheword1983 · 24/04/2026 16:38

£1400 each for all bills including car finance and childminder. Nothing is particularly high other than council tax. We pay £430 monthly which I didn't realise was so high until I read here. That does include water.

Meadowfinch · 24/04/2026 16:39

I'm a single mum so I pay the whole lot which comes to £925 a month. Thankfully my mortgage is small.

Elaine118 · 24/04/2026 16:40

Around £600 a month for my half of bills. Based on mortgage, council tax, water, electric, gas, house insurance, broadband and tv licence.

We live in a big-ish house but have a relatively small mortgage and just 2 adults.

I'm always curious to read these but I know a lot of people hate these type of posts. I do find it intersting to see how it's split for other people. It doesn't come up in conversation much irl for me.

redskyAtNigh · 24/04/2026 16:40

I would consider £2000 if that includes all expenses to run a house and car to be pretty "normal" if we're talking about family sized homes.

I do wonder what bills people are including though. It's not just council tax, gas and electric.

CherryBlossom321 · 24/04/2026 16:41

£1250.

BellesAndGraces · 24/04/2026 16:41

Well I win, yay me.

£3,800 is my share of bills and on top of that I pay school fees of £2,300. I was down to my last £45 yesterday before payday today!

Llttledrummergirls · 24/04/2026 16:44

We just pay into a pot and use what we need.

AImportantMermaid · 24/04/2026 16:47

Mortgage - £2k
Energy - £200
Wifi - £29
Council tax - £220
Netflix/Apple music/subscriptions - £100 ish
Insurances - £200

So about £3000 - we just throw all the money in the same account. DP earns more than me so I guess more comes from ‘his’ money but we both spend freely from the same account and have money in joint savings.

FeelingALittleWoozyHere · 24/04/2026 16:59

Mortgage 1550
Energy 200
Water 60
Council tax 270

We also have loads of streaming payments including sky, 3x phones, weekly cleaning, contact lenses, insurance etc. We probably pay out £3k a month before food 😳 Take home is just over £7k tho

CountingMosts · 24/04/2026 16:59

Mortgage, council tax, water, broadband, gas/electricity, mobile phone, home insurance, commuting costs, car repayments, and car insurance come to around £1,670 per month, which is more than half my take-home salary.

Nobody to share costs with, so I bear that alone.

I also contribute around £250/month to an account shared with XH to cover shared pet and essential child-related costs (clubs, school uniform, essential clothes, occasional school meal, school trips, pet insurance, pet food).

Take-home salary is £3k.

Household is me plus 2 teen DC (50/50 so feed them.half the week).