How much is your monthly spend on bills etc before food, petrol and fun?

[Stonetolose]

I did a reckoning on our joint account outgoings. Household of three living in a 4 bed detached, 1 car.

Every month - utilities, council tax, broadband, subs, etc - £750. But factor in the annual bills (car tax and car/house insurances; boiler service etc) I estimate it's around £1000. Does not include petrol or food.

Anyone else?

Yes but it wasn't that much more when it was 3 of us.

We do the same. Absolutely everything that could be considered an expense is factored into that, then I give myself X per month for fuel (depending on when I last filled the car) and X for food depending on how full or not the cupboards are. Anything else covers further expenses - random stuff like (bizarrely this month) a shoe horn and ant spray! So our outgoings look high, but in reality, it covers an awful lot of everything we spend monthly.

£2260. That’s including mortgage, utilities, car MOT and service, window cleaner, child’s music lessons, swimming lessons, childcare, insurances.
doesn’t include food shop, petrol, phones.

Ours is close to £4k, just under or just over.

Our mortgage alone (two bed mid terrace) is 1395 … 🙃

£2.5k which is mortgage, council tax, energy, insurances, petrol,

not included
childcare, after school club, swimming, piano, kids clothes, uniforms
🤯😬

Including absolutely everything (food, petrol, mortgage etc) £1410
I earn min wage so that's fun

We did this recently and it's 6K We don't have a mortgage. We do have 2 sets of fees, holiday childcare, cleaner, gardener, 2 x car costs, big house costs,

We are self employed so we have a few years in hand and earn for next year - this year is already budgeted based on last years earnings after tax, minus savings. We have about 2k a month left over for spends but that includes holidays.

We are very lucky but we also make savings in certain areas - we don't have too many subscriptions- no sky tv, gyms etc. books are secondhand, older cars, take sandwiches to work, rare fancy coffees.

Your figures are about right, and you're right to add it all up. We do this and our eyes water but it encourages us to be more mindful eg take a picnic and buy an ice cream instead of eating out, or shop around for deals instead of just buying something.

Thanks everyone so far for sharing your thoughts - it's really useful and enlightening.

When considering absolutely everything that is a joint expense (so add in food, petrol, meals out) but excluding holidays, clothes and hobbies - our monthly spend all-in is currently around £2000.

I find the Money Saving Expert is your friend here as a reliable and easy to use budgeting tool. I'm waiting now to see how the costs etc change (go up 😱) in April and then I will re-visit it. I bet we'll need to spend more than £2000 a month sadly.

Around £350 before food and fuel. 3 bed mid terrace, daughter with me during the week. No mortgage. Three bed mid terrace, band A council tax. That's my biggest monthly bill.

Includes tax and insurance on vehicle and other annual bills divided down. Energy usage very low and always shop around for deals on bills. Also switch banks regularly for free money.

...just to add I'm fucking horrified at some of the figures people are posting! Wow. Just wow. I couldn't live with that pressure.

I think around £1800 including rent. We almost paid off our car loan, so will be less soon.

My little sister’s is £2300 for rent alone, (two bed flat) plus service charge, ground rent, council tax, contents insurance and utilities etc take it up to £3000, then she’s still got travel expenses and student loan to add in.

No kids, no pets, no car, no garden…

Out of curiosity, where is it? Very expensive

Remarkably low thankfully. £490. No mortgage no debt and not long sold the car.

Me and 18 year old d s live very careful though as my income is very modest plus we eat like gannets.

44% of my monthly income.
this time last year it was 38% of my monthly income.
my groceries bill which includes nappies and top up shops is now 30% of my monthly income this time last year it was 19.5%
I have roughly 25% left to cover clothing, subscriptions, finance and any emergencies that come up.

i get a pay rise in July (6%) I’m hoping that this can go into savings but it’s probably going to go to food spends.

2 -adults, 1child, 1dog

1500 including rent all bills subscriptions,food kids bus passes. I give them their maintenance direct 80 each for clothes each month and 15 pw spending money. We are lucky to have a substantial amount left but this is partly due to an army pension x

£1300 all bills per month before shopping, petrol, fun, debts and before yearly things such as MOT.

@xogossipgirlxo It's London.

£1020 here for all essential monthly bills. No car, me and 1 DC. that's just over half my monthly wage. We're doing OK but would be a different matter if I had a car (which is putting me off) probably spend about £80 a month on public transport but I'm limited to where we can go and the services are crap.