What proportion of your family income goes on mortgage/rent and childcare each month?

[NorkyButNice]

Am not interested in any figures, just a percentage.

When we move back to the UK we're looking at spending about half our monthly income on these 2 outgoings, and I'm wondering if it's too much. We haven't agreed on a particular house yet to rent so now is the time to reduce our budget if I should!

Mortgage. About 17%.
Childcare. None most months. Negligible even in the summer hols.

So why are we always broke?

Mortgage - about 25%
Childcare - about £100 a month, but can't work that out as a % coz have had 3 glasses of wine.

Right, OK. Have 'fessed up to DH that I can't do % and apparently it's 2.5% (only after school clubs and 3 lifts to school)
Thanks, guys!

I think % are pretty meaningless in this situation, We live in an expensive area and moved this year so have a humungous mortgage, roughly 50% of DH's take home but he has a good salary (well, by other than London/SE terms!) and we can afford it.

Childcare is hideous as I am ill and not working. I can't bear to add it up.

Mortgage - varies between about 20% and 35% depending on income (dh is commission based although pretty much steady, I am freelancer). On average month it's about 25%.

No childcare costs.

around 35% on mtg and nil on childcare because I have a lovely Mum/mil who do 1 day a week each for me

Yes, it's difficult to get a real feel as it depends how much you spend on other things, how much you spend on luxuries, plus how much is actually left in real £ at the end, not a %.

we are both in london, both working

it's about 40% of our joint income (childcare more than the mortgage but only just - we always joke that the nanny is like funding a whole other house)

if I include travel costs, car, insurance, council tax, home broadband (necessary for work) (i.e. essentials) that figure is far nearer 60%.

Currently about a third but we're lucky - we made an offer 10 years ago this month, our childminder is definitely cheaper than average for London and that's after a contribution to our CM's wages from my dad.

There are also essential bills, and Council Tax (about 5% of our income 10 months of the year), fares (those are about 8% for dp and myself).

When I return to work after maternity leave next year (full pay 28 weeks, SMP for 11 weeks) our mortgage and childcare will be between 50% and 60% of our income, I'm planning to leave London so we can shrink our mortgage even more.

mortgage about 25%, will be more when I drop to 0.8 next month, but childcare will go from 15% to 2% so that will help

mortgage 20% childcare 0%

About 35%