How much are your bills a month?

[garth]

I'm being a grown up and buying a house. I've rented before, but I'm back home with the parents atm. 3 bed maisonette in the SE, gas central heating, all bills split 2 ways.

I've budgeted the following (monthly):

Mortgage £X
Electrickery £40*
Gas £40*
Internet/Phone/TV £30
TV license £12
Council tax £120
Water ??
Insurance ??

+Food, fuck knows how much I spend on food at the moment.

What are your outgoings - do these * look realistic?

[oldpink]

do you smoke or drink ??

add about £10 - 20 a month for incidentals (light bulbs, replacing the kettle general wear & tear)
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[Omega]

Couldn't tell you how much they are but water and house insurance are missing from the list.

[angryjonny]

You can look up your council tax payments online. Just find out your band and look on your council's web site. We pay £160 or so a month on a slightly bigger than average detached house in the SE. Utilities depend on usage but £100 combined sounds about right to me.

You appear to have missed out water & sewage bills and buildings & home contents insurance. Also, "maisonette" suggests leasehold to me, so there may be ground-rent and maintenance fees.

[Bubbs]

My wife has calculated all outgoings (bills, rent, food, insurance, high interest loan repayment ) and it comes to £850.00 per month all in.
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[garth]

[The Artist]

Internet £40
Water we don't know yet
Gas and Leccy - £80
Council tax £120

[garth]

[Dalemac]

Mobile phone contract? buildings insurance?


Note regarding water - if there is only one or two of you and the house is not on a meter, ask for one to be installed. Much cheaper than standard rates.

Also factor in that you will only pay council tax for 10 out of the 12 months.
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[Bendy]

On a water meter I'm paying about £20/month. It was a lot more without the meter.

Insurance is only about £150/year for building & contents.

Gas and leccy look about right.


If you're renovating you will haemorrhage money - paint and wallpaper and stuff really adds up.

[Tristan.]

Another one to bear in mind is personal insurance. My mortgage requires me to have health, life and income protection insurance which adds about £50/month.

[Wafer_Thin_Ham]

Too bloody much.
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[garth]

[P.addy]

Rent £525
Electric/Gas £120
Internet/Phone/TV £50
TV license £0 as I watch catch up only
Council tax £100
Water £10
Insurance £0

That is split 2 ways.

[angryjonny]

[angryjonny]

[daemonoid]

[DrDonnyBrago]

Rent £XXX
Electrickery £30
Gas £20
Internet/Phone/TV £25
TV license £12
Council tax £110
Water £35 (metered)
Insurance £12
Food £60-80 (varies)

Also consider:
Mobile phones
Car insurance/servicing
Bike insurance/servicing
Unforeseen bad shit

Mine^

That is for a 2 bed terrace, 2 people living in it. Bills is total, not 1/2 of total. Gas and elec are by DD, we don't use as much as the DD sends so periodically get refunded, we aren't especially frugal with our energy/water use and buy decent food/drink.

[SlimRick]

Monthly outgoings for me since moving onto a boat:

Boat Mooring £235
Electricity £45
Gas £0
Internet/Phone/TV £0 (Included in mooring fees)
TV license £0 (No door for them to knock on)
Council tax £0 (Nope)
Water £0 (Included in mooring fees)
Insurance £ 66 (car and boat)
Mobile phone £40

Why don't more people do this?

[P.addy]

[SlimRick]

[P.addy]

Hmmm, sounds pretty damn good tbh... almost too good

[Musketeer]

Bills, petrol, food, household stuff cost me about £1200/month

That's for me wife, 2 kids, 1 car, 1 bike, mortgage, no loans.

I miss the days when I was renting a room (all bills included) for £250 and was spending less than £100 on food. Not possible now.
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Current Bike: Yamaha XSR900 Previous bikes: Honda CBR1000RR Fireblade, Kawasaki ZX-6R Ninja, Aprilia RS125 2-stroke

[andym]

[J.M.]

We currently use £40-60 a month on electricity. However we're not at all careful with it. All of our appliances are electric and we're all on the computer all day. That's 3 of us.

Water we pay a fixed rate, so about 4 payments of £60.

Gas we opted for cash quarterly because we only run the central heating on it, so I haven't a clue about that yet.

Internet, about £25, no line rental as we don't use the phone.

Didn't bother with a TV Licence, we don't really watch it.

Council tax exempt.

We basically all put £15 a week in to a joint account together and pay the bills from that. So there's £180 in there a month. Working out alright so far.
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2004 R1 & 2018 XSR900