We have a 3 bed end terrace in Oxfordshire and mortgage is £1100 a month. Our total outgoings (mortgage, utility bills, mobile bills, sky, various insurances etc) are just over £2k a month, not including petrol and food shopping. Money is tight with not much left over!! We haven't had a holiday in the last 12 months, although we are going away for New Year (parents live abroad so we only have to pay for flights which are Ryanair so v cheap!!)