£1500 mortgage
£200 gas lec
£330 council tax
£36 broadband
£65 water
£16 mobile phone
£37 pet ins
£ 200 transport (petrol/trains)
£50 car insurance
£50 house insurance
£17 road tax
£17 tv license
£80 after school
£600 food/household
£50 car maintenance (at least)
Family of 3 and a cat, did stretch to get a bigger house but will never need to move again. However it needs 10s of thousands in renovations which we are slowly chipping away at ourselves (hoping the roof gives us another couple of years as not a DIY job)
I need to sort life insurance, anything left is presents, bit of holiday fund, savings, home improvements, clothes, make up.... haven't had a haircut in months, never get nails done.
Take home between us is £46k plus up to £8k bonus. Feel very fortunate we do have some cushion for non essentials, better than alot of people I'm sure but I am just shocked at how much our basics are once I wrote it down as we are spending every month. What are other people's basics COL? Is this high?
We're in the North West.