What bills do you have

[fuckyoucoronaihavelostmyjob]

Please help me by listing an outgoing you have.
I am making a spreadsheet of everything and worried I am forgetting stuff.

House
Car
Car insurance
House & contents insurance
Rates (am in N Ireland, we don't have council tax)
Life assurance
Medical insurance
Electricity
Heating oil
Gym
TV & broadband
School related costs

If it's every outgoing, not just direct debits and standing orders then I'd also include

Groceries
Petrol
Commuting costs
Clothes
Holiday fund (if applicable)
Savings (again if applicable)
Birthday presents & Christmas costs

Food
Christmas/Birthday presents
Clothes
Emergency repairs (ie money to pay plumber).
Vet bills/dog groomer
Hairdresser
Phone
Broadband

Bills
Electricity (quarterly)
House and contents insurance (annual)
Car insurance x2 (annual)
Life insurance x2 (monthly)
Car tax x2 (annual)
Property tax (annual)
Childcare (weekly)
Phone bills x2
Broadband

I can't think of anything else...

Netflix
Spotify premium
Critical illness
Building and contents insurance
Pet insurance

This is mine.

Rent
Council tax
Gas
Electricity
Internet
TV licence

Car finance
Car insurance
Car tax (I pay mine yearly)

Union
Spotify
Gym
Phone bill
Amazon prime
Netflix

Food
Petrol
ISA savings standing order

I then have savings pots throughout the year to pay the bigger bills

Car repairs
Christmas
Birthdays
Holiday clubs/holiday care
Emergency fund

Contents insurance too but its part of my car insurance as a multi policy so I always forget:)

And the water bill.
Fgs my memory is crap.

Monthly

Mortgage
Council tax
Electricity
Gas
Water
House contents insurance
Car payments
Landline
Mobile
Online shopping passes/Amazon prime

Quarterly
Tv licence

Annually
Car insurance
Breakdown membership
Travel insurance
Leasehold rent
Leasehold maintenance
Car service/MOT

Regular or annual payments to various charities & things like national trust.

Hitting the card frequently
Food
Petrol
Presents (& overseas postage)
Books/wool/entertainment (all minimal)

I spend very little on clothes/hairdresser etc

I think that's most things...

Used to spend a lot of money on takeout coffee, & some travel. Those were the days my friend, we thought would never end...now it's masks, dettol & soap 🤦🏻‍♀️

Thank you all this is just what I needed!

Pension contributions

Go through your bank statements and credit card bills if applicable to see what bills you pay. Most accounts allow you to download a year's worth of transactions so you can sort and categorise them.

OP would highly recommend splitting annual expenses into 12 and saving for those if you can. I found it so daunting and told myself we couldn’t afford to do it but we can and it makes life so much easier knowing the money is there for things when they occur.

Fixed direct debits/standing orders:
Mortgage
Council tax
Gas & electric
Car finance
Car tax
Car insurance
Building and contents insurance
Life insurance
Dog insurance
Dog vet plan
Dog walker
Childcare
Broadband
Phone contract
Gym membership
Loan repayment
Cleaner
Kids activities (horse riding, scouts, swimming lessons, dance lessons)

Variable monthly costs:
Fuel
Parking
Car washing/valeting
Food - Gousto, weekly groceries, meals out, takeaways
Cleaning supplies
Dog food
School lunches/packed lunches
School trips (pre COVID)
Clothing and shoes as and when
Savings into holiday fund
Savings into essential repairs
Birthday presents as and when (Christmas usually paid for by annual bonus)
Haircuts
Beauty treatments
Family days out

I think that's everything!

Some online banks offer a system that tracks your types of spending into a pie chart or similar

Thank you all this has been so helpful