Monthly bills

[syl]

How much do you lot pay out each month on direct debits? I'm meant to be reasonably well off, but never feel it! A repair bill of over £3,000 for my car this week certainly wasn't paid without a bit of a wince.

I seem to pay out a fortune each month on direct debits before I even start to think of spending anything on food, petrol, clothes, going out, etc. I have no loans other than a mortgage (but I am only human, I have a small overdraft) yet I am paying out £2,700 every month on direct debits alone - only half of which (£1,350) is the mortgage. Another £600 is accounted for by money that goes to my daughter but that still leaves £750 each month on other bills, such as insurance policies, phones, electricity, gas, water, council tax, etc.

I wonder how I used to afford this kind of stuff - when I started working I only earned a little bit more than that after tax each month (OK, I know inflation has had a small effect).

How much are the rest of you regularly paying out of your wages?
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Current bike: Kawasaki Z750S

[karen_moomin]

Blimey, that does seem like a lot to pay out each month!

I pay out £660 per month which covers my mortgage, council tax, gas, electricity, internet, phone bill, mobile phone, food, life assurance, petrol, cat insurance and contact lenses.

Water, TV licence, house and contents insurance, car tax and insurance I pay for annually in a lump sum then it's out of the way.

The rest of my money goes on having fun, savings and investments

I don't know how people live in expensive parts of the country! It must be financial hell!

[Pte1643]

[JodieWodie]

My OH and I both work
He does 40 hrs, I do 25

He is well(ish paid), I am reasonably paid

Approx. £1,600 of his wages are eaten up with direct debits each month
We have gone through these DD's many times, and it is all stuiff that is 'normal'
Mortgage, tv llicence, water, gas/elec, mob phone, sky tv..

The ONLY luxuries we have are sky tv, and nice meals (in the house I mean..not eating out !!

That leaves us a bit... but not tons, of money to last the month out
Basically what is left of his wages are for spends... all of my wages go on kid stuff and shopping each week
And that is my money gone

It astounds me how people manage on a 'normal' wage these days

My OH is on quite a lot, but if he was on..say £7/8 an hour, we could not cope !

We are not living in a fancy house.. it is a terrace
We don't go out. And we don't fritter money away
Seems to me that other 'dodgy' people do better than us

We have overdrafts and 1 credit card, and we could not cope without these, as things happen in life
Example..
my card is written off. £300 to buy a new car in 1 week before hire car goes back
No car = no work = no money coming in for me

Many are the times we have just sat here, scratching heads, trying to trim down the spends
All we can do is cut off sky tv and buy value food
But.. we both WORK !
What the hell pleasure would we have left ??? Work, cr*p tv, cr*p food... who the hell wants that !!??

I always recall the Savage Garden song lyrics "I believe the struggle for financial freedom is unfair"..
damn right
Hard working people seem to get nowhere these days
Scroungers flourish

Oh... and they are putting gas/elec/car ins up. Great.
Be eating beans soon
Gotta laugh eh ??

Jo xxx
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Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, "I will try again tomorrow"

[_Will_]

Broadband £17.99.....................................
The rest is gf stuff, bikes and random shite
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Past -Honda qr50 | 2004 Peugeot Tkr s 50| | 1996 Yamaha XJ600s Diversion|

[Dragonfly]

I hate paying for stuff like loans and credit cards, thats why i dont have any. If you dont got the money dont buy it i say.

At the moment i am staying with family but soon i will have rent,electricity and food again. Thats about it.

My bike is bought and paid for and so is the insurance.

Easy
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All the breast.
Muzza on Binge:
He's too busy beating the everloving shit out of Lizzie to notice this thread has taken a turn down Drama Avenue and stopped off at the popcorn shop.

[JodieWodie]

[Dragonfly]

I have been in debt before and it is easily done. Thats why i cant get credit now and am glad, if i pay for stuff in cash then thats it over and done with. If i cant then i do without. I dont have kids so thats probably easy for me to say.
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All the breast.
Muzza on Binge:
He's too busy beating the everloving shit out of Lizzie to notice this thread has taken a turn down Drama Avenue and stopped off at the popcorn shop.

[Marcg868]

Total Outgoings each month

Mobile Bill: £35- £75

Loan: £120

Keep DD ito mum's account £140

And thats it from a 1200 a month job, so £865 to spend on bike, clothes, vinyl, going out.
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JACK, MISS YOU LOADS YOU LEGEND.

[john2]

£35.99 on Insurance a month Will go down to £34.99 next month with my 1 years no claims!!!!!!!!

[cqueen]

[Dragonfly]