How much

[forrestgreen]

I went from living at home with parents to living with my husband for 30 years. After a bad breakup I'm hoping to buy a flat outright.
But obviously I need to crunch numbers. Is there anything I'm missing
Electric/gas
Council tax (single person)
Any investment fund for the building
Contents ins
Do I need building ins? Presume so
Netflix
WiFi

Obv plus food and living
Thanks

Service charge and ground rent

Your buildings insurance will be part of the service charge.

Water & sewage costs

Home care kind of cover got the heating. hot water and plumbing.

An emergency fund for when things break / need replacing

Do you have access to the account that paid for theses sorts of things? If so, Have a look back at the last few years

What about travel costs ? Will you drive a car?

Tv licence, ground rent, water, service contract for boiler, repairs/maintenance

Electric/gas
Council tax (single person)
Any investment fund for the building
Contents ins
Do I need building ins? Presume so
Netflix
WiFi

TV license if you need it + water

Fab ideas. I had a handy husband so yes need to factor those things in. Thanks all

Mobile phone is not on the list

Is a flat the best option? Possibly less on costs with a small house?

If you put your details into a SoA calculator it will show you the sort of things you need to think about.

www.lemonfool.co.uk/financecalculators/soa.php

If you can, I would always go for a small house over a flat. Service charges /maintenance can be major issues.

I also wouldn’t get things like a boiler cover as they’re usually a rip-off. You just need to have savings to cover unexpected repairs or redundancy etc.