Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

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:
Squidgemoon · 24/04/2026 17:16

All our bills before food and personal spends/savings come to £2,750 and DH is a SAHD so it all comes out of my salary! That includes mortgage, council tax, gas and electric, home insurance, life insurance, pet insurance, internet and TV, mobile phones, travel, petrol and all DC’s clubs and tutor. We also overpay the mortgage on top of that and save for Christmas etc. Food is usually around £600 a month. My salary disappears fast!

GreenCaterpillarOnALeaf · 24/04/2026 17:17

I paid the whole deposit on the house so he’s doing the mortgage and bills right now while I recoup savings and the money I lost taking time off to have the babies. I don’t actually know what he’s paying right now which isn’t great… I think it’s around £2k, maybe 2.5k. I think we have a fair deal and he’s happy with it, but once I’ve recouped it probably won’t be 50/50 since I make a lot less and need to focus on pension contributions. When we first started living together I paid the most since I was the higher earner so we tend to split it like that.

SamphiretheTervosaur · 24/04/2026 17:26

Including house insurance, car insurance, all bills incl.pet costs, holiday savings etc? No spending money, no mortgage

About £1600

Overthemoun · 24/04/2026 17:27

Just the house?

council tax - 300
utilities - 250
mortgage - 1300
insurances - 40
Tv licence - 15
tele and internet - 50
Mobiles - 50

£2k so £1k each

AgnesMcDoo · 24/04/2026 17:29

Our joint bills are about £4k

We don’t split it - all income into one account and all bills out. I earn more so out more in

LottieMary · 24/04/2026 17:32

1500 including mortgage and all utilities, insurances including life cover, child care, vet plan, and paying off a boiler

bugalugs45 · 24/04/2026 17:33

Gas , electric , water ,council tax , car insurance/ tax , pet insurance , internet / tv , luckily mortgage free
approx £600 per month total , live alone so I pay it all

TeenLifeMum · 24/04/2026 17:38

About £2500 (but we have joint accounts so it’s all family money). 3 DDs ages 14-18.

mortgage - 1100
bills - 1000
food - 1000
kids clubs - 150
tutoring - 200
fuel - 200
car tax - 50
car insurance - 1300 (includes 2 cars, dh, me and 18yo dd1)

canklesmctacotits · 24/04/2026 17:42

Isn’t this asking how long a piece of string is? How are these answers meaningful to you OP?

HoskinsChoice · 24/04/2026 17:44

Only about £13k these days as the mortgages are all paid off although that will go up next month as jet fuel is going up.

GodDamnitDonut · 24/04/2026 17:45

Our mortgage alone is £2200 so we would be well above the £1000 figure for 50/50 split

Bufftailed · 24/04/2026 17:45

Thanks for the prompt. Single parent household. £1625 including mortgage not inc food, no car. I think I’m a master of keeping costs down.

Spottyvases · 24/04/2026 17:46

Billsplitre · 24/04/2026 15:48

£1,100 just fir bills seems such a lot, is your house large?

That is the total amount

Spottyvases · 24/04/2026 17:47

Sorry - I meant £550 is the total amount for bills without food added on

Nourishinghandcream · 24/04/2026 17:48

"Just mortgage/ rent, utilities, council tax, joint insurance or car payments. Assuming you split costs 50/50 with a partner or thereabouts."

Utilities (gas/electric, water, BB) £160/m.
Council tax £330/m.
No mortgage or car payments and any insurance (buildings/contents, cars etc is paid annually).
So based on your criteria, £490 all in.
No split with my OH, everything goes into the joint account and is paid out of there.

cadburyegg · 24/04/2026 17:55

I split bills with me only. £1600. Includes mortgage, bills, car insurance & road tax, all direct debits. Car not on finance.

I won’t post the breakdown because I get some UC and I don’t want people getting their backs up thinking they can tell me what I spend the £190 on 👍

Renter2026 · 24/04/2026 19:16

That said - no mortgage or debts

Gas / Electric £110.00
Mobile £10
Council Tax £160
TV licence £15.00
Internet £68
Savings £650
Netflix £13

Water, Amazon, Gym, all insurance, car tax, service etc paid annually

GreatWhiteWail · 24/04/2026 19:20

£2300 a month for bills, so 'my half' £1100 (though we just throw our salary into one pot and keep a couple of hundred each for personal spends).

Bills include: mortgage £1500, council tax 380, insurances, TV and Sky, gas and electric.

purpleme12 · 24/04/2026 19:22

Mortgage and council tax and gas and electric are £585

Peonies12 · 24/04/2026 19:24

Our mortgage alone is £1,600, i dont even think that’s very high. I contribute £1,700 for half, thst includes nursery for 1 and all food, fuel; a car loan.

plover26 · 24/04/2026 19:29

Somewhere around £1800-2000 between 2 people.

ineousa · 24/04/2026 19:34

I live alone and it’s £850 including subscriptions.

mamaduckbone · 24/04/2026 19:40

I pay £1130 into our joint account. That’s all utilities and food. No mortgage, I’m the main earner, Dh contributes a good chunk of his salary to savings and pays for other one-off expenses eg car servicing. He’s also currently forking out for ds2’s driving lessons.

scoopsahoooy · 24/04/2026 19:44

£750ish. That includes pet insurance and food, a couple of streaming services, and a boiler that's being paid off (plus mortgage, insurances, utilities, internet, council tax).

edwinbear · 24/04/2026 19:49

My share is £3k, but we have 2 DC at private school plus the mortgage.