Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Food and all bills pretty much takes me to 1k a month Daniel. A bit more per month could have got me a 3 bed house rather that apartment. However, i'm happy i can leave this place for months on end and still come with the front door intact.
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Pop
Member
Registered: 8th May 03
Location: Reading
User status: Offline
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Our bills come out at £1150 + food each month. That doesn't include tv license, home and car insurance which are all paid outright in the months they are due.
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A2H GO
Member
Registered: 14th Sep 04
Location: Stoke
User status: Offline
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Our new build mortgage, all bills and food costs us about £700pm.
EDIT: Taken from my outgoings spreadsheet, these are the individual outgoings(direct debits) for a 2 Bedroom Semi:
Electricity £20.0
Gas £25.0
Halifax - Mortgage £380
Seven Trent Water £19.0
Home Insurance £10.0
TV Licence £12.0
o2 Broadband/Phone/Line Rental £9.50
Council Tax £82.0
Shopping £150.0
Halifax Insurance(Life/Unemployment etc) £19.0
However we have found we keep going in credit on the electricity/gas/water. Currently £100cr on the Gas, had £60 back on the electric and about £30 on the water in the last 12 months. We don't bother with stuff we don't really need like Sky, Freeview+ suits us fine.
As for food, we shop at Tesco and being a bodybuilder i get through steak, chicken, tuna, fish everyday and we never spend more than £35-40 a week for both of us, you just gotta watch what you spend.
[Edited on 05-09-2010 by A2H GO]
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Electricity £20.0 
I'm never at mine and costs me £50 a month. Have a server running constant but that's about it.
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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Summat wrong there than Andrew, our leccy in a 3 bed is the same and we have a dishwasher etc
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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Water run off an electric immersion and electric heating and it could be that high. If not then something must be wrong
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Kathryn W
Member
Registered: 12th Oct 03
Location: Widnes, Cheshire
User status: Offline
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quote:
Originally posted by A2H GO
Our new build mortgage, all bills and food costs us about £700pm.
I only wish our bills came to that!!
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A2H GO
Member
Registered: 14th Sep 04
Location: Stoke
User status: Offline
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quote:
Originally posted by Andrew
Electricity £20.0
I'm never at mine and costs me £50 a month. Have a server running constant but that's about it.
We were paying £27 but they put it down as we kept going in credit. Just have the BB router on constant. Have the Freeview+, Xbox, TV and Bose Dock going to the same socket which we turn off whenever we go out, bed etc. Other than that just normal useage really, being a new build all the bulbs are energy savers, we have changed a couple though as they're crap.
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Recaro1
Member
Registered: 25th Mar 02
User status: Offline
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quote:
Originally posted by AndyKent
Water run off an electric immersion and electric heating and it could be that high. If not then something must be wrong
most electricity companies are sending out free usage monitors. See if you can get one.
Mine is quite reasonable (less then the recommended) but a guy at work was nearly double. The monitor helps - though your realise just how much the kettle, iron, washing machine, tumble dryer and oven use!!
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Daniel_Corsa
Premium Member
Registered: 21st Apr 04
Location: Wigton, Cumbria
User status: Offline
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Mortgage - £xxx
Electric - £25
Gas - £25
Water - £20
Council Tax - £120
TV License - £12
Phone & Internet - £10 - £20
Home Insurance - £10 - £15
Life / Unemployment Insurance - £20
Food - £150
Total - £407 + £xxx mortgage repayments
Is that realistic figures or should I be budgeting more?
Then cars:
2 x TAX
2 x Insurance
2 x Servicing / etc.
1 x MOT
2 x Fuel (should half exisiting as both alot closer to work)
April '06' Corsasport Feature Car  | Aug '08' Total Vauxhall Feature Car | Spring '09' Fast Car Feature Car
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SAL
Premium Member
Registered: 19th Dec 05
Location: Radlett, Hertfordshire
User status: Offline
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CSA 
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Daniel_Corsa
Premium Member
Registered: 21st Apr 04
Location: Wigton, Cumbria
User status: Offline
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quote:
Originally posted by Stavs
CSA
Not that I'm aware of
April '06' Corsasport Feature Car | Aug '08' Total Vauxhall Feature Car | Spring '09' Fast Car Feature Car
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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quote:
Originally posted by Daniel_Corsa
Mortgage - £xxx
Electric - £25 [£35]
Gas - £25
Water - £20 [£30]
Council Tax - £120
TV License - £12
Phone & Internet - £10 - £20 [£30]
Home Insurance - £10 - £15 [£20]
Life / Unemployment Insurance - £20
Food - £150 [£200]
Total - £407 + £xxx mortgage repayments
Is that realistic figures or should I be budgeting more?
Then cars:
2 x TAX
2 x Insurance
2 x Servicing / etc.
1 x MOT
2 x Fuel (should half exisiting as both alot closer to work)
I think you should allow a little bit more on a few items, I've added what I would allow for two people above - better to overestimate than under!
You need to put figures against the car stuff too obviously, as that could easily hit £200 a month on top depending on how far you travel, where you get the cars serviced etc.
Also allow yourself a bit of spending money and a bit of fixed savings money.
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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You doing this on your own Dan? You will need a massive deposit and / or earn a fair whack a month before they will consider you? And they will expect you to put figures on your car costs...
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Daniel_Corsa
Premium Member
Registered: 21st Apr 04
Location: Wigton, Cumbria
User status: Offline
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Cheers Andy! Yeah I'd rather over estimate than come to taking it in and realise just how skint I may end up!
Danny, no be me and the other half! we've got 10% deposit saved up just depends on offers to if we can get say 85% or not!
April '06' Corsasport Feature Car | Aug '08' Total Vauxhall Feature Car | Spring '09' Fast Car Feature Car
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ed
Member
Registered: 10th Sep 03
User status: Offline
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quote:
Originally posted by pow
Broandband and phoneline yes, but most people live off mobiles now and having 300+ channels is nowhere near a need.
Works out as a nice package when you get TV, Broadband and Telephone with them though.
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CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
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Errrrrrrrm think it's £1300 without looking 
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Rebrabuk
Member
Registered: 28th Mar 04
Location: North East
User status: Offline
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Me and my Mrs bought our place 18 months ago, £93k purchase with 10% deposit.
We started off putting £550 each into joint account to cover all house related costs, then our cars and nights out had to be paid for out of our own monies left over.
Our outgoings for the house were budgeted at;
Mortgage £500
Water £15
Life Insurance £16
Council Tax £100
TV Licence £25
Gas £25
Electricity £30
Telephone £14
Sky £25
Food £160
After a year in the house we had generally managed to save £100 per month which we regularly used for various treats or home improvements.
4 or 5 months ago we had the house revalued and it was worth £110k, so we managed to get it remortgaged and now only pay £370 a month mortgage and have reduced the term from 30 years to 25 years, allowing us to save £200 per month.
With our savings, she is now planning a holiday for us next year, whilst i am trying to persuade her to put it into our house to reduce the mortgage further!
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Jake
Member
Registered: 24th Jan 05
User status: Offline
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fucking rebecca
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Rebrabuk
Member
Registered: 28th Mar 04
Location: North East
User status: Offline
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Jake 
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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just added up my costs each month. think that's everything. a lot of money but better then pissing it up the wall.
Mortgage-------------------------------- £943.00
Council Tax------------------------------ £138.00
Petrol and yvonne's travel------------- £70.00
Mobile Phone Contract x2-------------- £65.50
Sky (T.V, Broadband, Phone)---------- £63.58
Food Shopping--------------------------- £50.00
Gas------------------------------------------ £39.00
T.V License--------------------------------- £29.10
Home Insurance-------------------------- £27.91
Electric-------------------------------------- £26.00
Water--------------------------------------- £21.00
Life Insurance----------------------------- £20.77
Halifax ultimate reward account fee- £12.50
£1506.36
if i've forgotten anything can anyone let me know so i can keep on top of my outgoings. i'm terrible for that
[Edited on 17-09-2010 by Ben G]
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Pop
Member
Registered: 8th May 03
Location: Reading
User status: Offline
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Ben - You only spend £50 on food per month?
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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quote:
Originally posted by Pop
Ben - You only spend £50 on food per month?
Yea, we struggle to spend that little a week (on 2 people who home cook everything, is that bad???)
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A2H GO
Member
Registered: 14th Sep 04
Location: Stoke
User status: Offline
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quote:
Originally posted by Ben G
just added up my costs each month. think that's everything. a lot of money but better then pissing it up the wall.
Mortgage-------------------------------- £943.00
Council Tax------------------------------ £138.00
Petrol and yvonne's travel------------- £70.00
Mobile Phone Contract x2-------------- £65.50
Sky (T.V, Broadband, Phone)---------- £63.58
Food Shopping--------------------------- £50.00
Gas------------------------------------------ £39.00
T.V License--------------------------------- £29.10
Home Insurance-------------------------- £27.91
Electric-------------------------------------- £26.00
Water--------------------------------------- £21.00
Life Insurance----------------------------- £20.77
Halifax ultimate reward account fee- £12.50
£1506.36
if i've forgotten anything can anyone let me know so i can keep on top of my outgoings. i'm terrible for that
[Edited on 17-09-2010 by Ben G]
This is why i refuse to have Sky! £63 a month for Sky/Phone/Broadband
We pay £9.50 for Phone/BB(unlimited up to 8mb) and have Freeview+. Is Sky really worth an extra £53 a month?
I think he means £50 a week on food but then that sounds too much, we spend around £30-35 a week for 2 of us.
[Edited on 18-09-2010 by A2H GO]
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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When I say £50, £10 on average of that is household stuff (cleaning products etc or something for the house - we very rarely come away with just food from the supermarket )
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