Breakdown Of Your Monthly Spends...?

[Lellow]

Hi Ladies,

Its my first time in this section [ive read but not posted as yet].
Im 22 weeks gone so LO is due in August and me and OH are desperate to get out of my mums and get renting on our own before baby arrives.
However, we trying to save up a nice tidy sum before we leave so we dont have to sit on the floor for weeks before we can afford a sofa and other bits and bobs like that.

Anyway, i just wondered if any of you lovely ladies could help me by giving me a breakdown of your expenses over the month or gas, electric, rent, saving, etc etc...basically every outgoing so that i can have an idea of what i can expect.

It would be a great help.

Thanks in advance!

 

[Jemma_x]

I might not be much help but ill try.

Rent is £395 a month including electric.
Gas is on a pay as you go meter and we put £10 every 10-14 days.
Water is every 3 months and still waiting for first bill as we moved in january
Tv licence is £37 every 3 months but there is other ways of paying.
Food shopping £30-£40 a week
£40 a month for mobile broadband
£50 a month for 2 contract mobiles
£3.99 a month for tv insurance
£6.99 a month for washing machine insurance


We just have a tv with freeview so dont have sky or anything and we dont have a landline either, both just use our phones. Cant think of anything else at minute but if i do ill come back and edit my post

 

[// arcadia]

£650 Rent (3 bed house)
£140 council tax
Gas Was £25 but now have to pay £40 as used so much over winter
£25 Electric
£25 water
£50 sky tv - broadband - housefone
£12 tv liscence
£50 OH's mobile
£10 my mobile

Those are our general living outgoings.

There are other outgoings such as travel to/from work and food but that all varies.

Then theres little bits like going out/clothes/household items baby things etc etc etc.

 

[Pink_Tinks]

£770 mortgage
£130 council tax
£30 gas
£30 electric
£30 water
£70 sky, phone and broadband
£35 life, buildings and contents insurance
£25 sofa payment

then i have phone bill, cat insurance, petrol, and have to save up for mot, tax and car insurance. Anything left is a bonus - tho am in minus figures being on mat pay!!

 

[babyblog]

Hiya, mine are like this:

Mortgage £960 (3 beds)
Council Tax £130
TV licence £13
Contents insurance for house £13
Life insurance £28
Water £25
Gas/Elec £100
2 x mobile phone contracts £50
2x car insurance £150
Leashold fee £45 (dunno if you need to pay this if renting)
Food Shopping £250-300
Sky £25
Petrol for 2 cars £200
Cat insurance x2 £35

I guess these figures depend on where you live and you may find rent is cheaper than this.Good luck, hope you find a nice place x

 

[wannabemamma]

£350 mortgage
£100 utilities
£50 TV/Virgin/Phone
£200 food
£10 mobile
£40 dogs (food, worming, insurance)
£200 debt repayments
£50 car and home insurance (savings as pay in one go, 2 cars)
£20 life insurances
£10 landlord buildings insurance (I rent out a flat)
£50 fuel (2 cars...sometimes much more depending on where the husband works)

I also pay money into savings every month.

Those expenses are between two of us, I think we do ok.

 

[wannabemamma]

Sorry, council tax £167

 

[xerinx]

rent £360
council tax £73
gas £30
electric £35
water £20
tv license £20
Virgin £50

Then there is food expenses and other bits that need to be bought. And travel ect.

Its quite tight at the min as oh is about to finish college so we are just living of benefits until hes qualified ( 4 weeks!! ) but you just manage tbh.

 

[Mrs Doddy]

862.50 mortgage (interest only at the moment)
740 Bills (food, sky, council tax, house insurance, medical insurance, tv licence) can't remember the breakdown for each
48 mobile bill me , I think H's is similar
37 car insurance, H 25
fuel me 60 a month, H 120

 

[sarah1989]

Monthly income: $1,288.00 (CAD)

Rent: $ 450.00
Internet/Phone: $ 65.00
Food: $ 300.00
Transportation: $ 140.00
Miscellaneous/Emergency: $ 75.00

Currently towards debt repayment: $100.00
Savings: $ 150.00

 

[wanting2010]

Mortgage: $450
Car: $360
Car insurance: $110
Cell phones: $100
Cable/Internet: $100
Electric: $50
Water: $50
Groceries: $250
Gas: $100
Total: $1570

We make about $2500/month and we live a pretty comfortable lifestyle. We have no debts besides our mortgage and car payment.

 

[mummy3]

Rent: $1600
Groceries: $600
Cable/cell phone: $150
Gas:$200
Water: $30
Electric: $40
Total: $2620
Savings: $3000

We are saving up for a down payment on a house right now. Where we live in southern california is crazy expensive for anything though

 

[pinkmummy]

£390 a month rent
£100 a month gas and electricity
£23 a month water
£13 a month TV Licence
£40 a month, sky and phone
£60 a month mobile contracts
£10 a month home insurance
£5 a month pet insurance
£104 a month council tax
£150 a month Diesel
£75 a month insurance
£25 a month broadband
£200 a month groceries
£250 a month debt repayment

Total - £1365

Our total income including tax credits is around £1800, but we are also putting away £300 a month for our wedding

ETA: I forgot to add our debt repayment plan money

 

[xolily]

On necessities I pay monthly:

Rent: £360 (unfurnished 2bed house)
Gas/Electric: £80
Water: £14
TV License: £11
Council tax: £71
Food: £160 (max)
Mobile contract: £25

£721.

I receive £500 (give or take) SMP and about £550 in benefits (housing benefit, working tax, child tax, child benefit. xx

 

[2nd time mum]

Mortgage - £477
Council Tax - £109 (which includes water up here)
Electricity - £63
Gas £37
Car Insurance - £30
Car Loan - £97
TV licence - £12 (or thereabouts)
Virgin Media (tv phone and broadband) - varies but normally about £50
Saving Endowment - £15
Mobile phone (2 - teenager and me) £35

Then credit card debts! Food if I am lucky!

Think that's about it

 

[Hayley90]

Rent £600 - 2 bed flat
Council tax £142
Food £150 ish
iPhone contract x 2 £70
TV License £13 ish
Sky tv/phone/BB £50 ish + call charges if any
Electric & Gas - no more than £50 but we pay £100 to clear debt
Gym memberships x 2 £130
Internet Dongle £15 (cant cancel contract )
Home insurance £17


Then OH pays petrol for his car about £100 ish a month

I also pay £49 a month for our sofa
£15 a month to a Topshop store card ive got
£25 a month in to an ISA
and £100 i get to spend on "stuff" including my travel to & from work, extra food, treats etc.

 

[Hayley90]

NB - we pay a £500 a year service charge which includes our water rates & gardening & cleaners in the block. x

 

[Zarababy1]

we pay out

£100 - debt management
£85 car insurance
£55 sky
£40 phone and bb
£45 gas
£35 electric
£20 home insurance
£20 in to trust funds
£12 tv licence
£40-50 nursery
£50 moblie contracts
£6 to window cleaner
£12 to milk man


We pay rent council tax and water out of OH's wadges before there payed too him so i have no idea how much that is about £350 i think but hes in the RAF.

We spend diffrent amounts on food and pertol every month usualy around £150 food at the start of the month and £80 pretrol, top up food by about £30-40 a week and pertol probably top up once or twice depending on were we go £10-20 so about £400 max on food + petrol.

In theory we should be left after food and pertol with about £140 a week to spend on whatever we want...never works out like that tho!

 

[Lynz16]

We pay:

£495 mortgage (2 bed)
£104 Council tax (includes water rates)
£100 or thereabout for life/home/contents and redundancy protection insurances
£100 for electric and gas (although this does usually leave us in credit at the end of year
£12 TV licence
£20-£25 for phone and internet
and we spend between £30 and £50 a month on food bills and other bits and pieces but no more than £200 a month

So in total about £1050 per month without petrol and insurance for the cars

Although before we move to our own place we used to survive from around £900 per month, I think the extra is from all the mortgage protection and life insurances that we took out when we found out we were having the LO!

 

[Happy]

£1050 a month rent
£55 a month electricity
£35 a month water
£30 quarterly TV Licence
£60 a month, sky and phone
£40 a month mobile contracts
£22 a month home insurance
£209 a month council tax
£180 a month Diesel
£400 a month groceries
£350 a month loan
£200 a month nursery
£170 a month car payment

Total - £2801

didn't realise how much it was.