List of monthly bills

[GoodnightGrandma]

I’m getting together a list of what I’ll need to pay, excluding food/clothes/toiletries/petrol
Am I missing any ?
Landline phone with broadband
Life insurance
Car insurance
House insurance
Gas/electric
Council tax
TV license
Water
Mobile phone

Car tax
Sky or other
Prescriptions
Car maintenance
Pet expenses

Also you might want to consider putting money aside for dentist or emergency spends

Kids?

School lunches
Clubs
Music lessons

School uniforms
Critical illness
Income protection
Contact lenses
Glasses
Dentist
Broadband
Mobile phone

I didn’t know you could pay car tax monthly - thanks for that !
I’m not paying ridiculous money for Sky like we do now, I might look at Netflix for those long winter evenings.
Pet money I need.
Car maintenance, yes.
Dentist, yes.
Then there’s the kids birthdays and Xmas.
House maintenance.
It all adds up !

Don't forget the £500 a month my ex claimed he needed to save for the holidays he never took the children on

TV licence
Prescription prepayment.

Rent/mortgage payments?!
Car breakdown cover?? sometimes paid monthly
Regular savings (recommended by Martin Lewis 10% of your income.)
Pension savings (may come directly out of your pay but can still be seen as monthly outgoing?)
Boiler or car maintenance cover

If you can go through your current bank statements taking off anything you don’t want to continue with. Go from there.

Rent or mortgage
Income protection insurance
Pension
House repair/maintenance if owner - we budget £100 a month for this to cover boiler breaking/washing machine leaking etcetc

@IknowwhatIneed

If you can go through your current bank statements taking off anything you don’t want to continue with. Go from there.

That’s what I’ve done and it’s frightening ! I know I can bring the gas/electric/water down as DH is one of those who turns the heating up all day and opens windows 🙄 I’d need to look at getting cheaper car/house insurance/broadband, and I’ll look at going SIM only for my phone. Also would need to apply for one adult only reduction on the council tax. Can I apply for any child benefits if he’s 16 and at college ? I’ve never claimed any benefit so don’t know the thresholds.

Yes I think child benefit goes up to 18 if in education.

You can go to a website called Entitled too and it can help you work out what benefits if any you're entitled to claim.