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General Chat Thread, Household Monthly Expenses in General; i have a google excel document with my budget in: Income 1627.86 ------------------- Outgoings --------- halifax account 7.5 <-- halifax ...
  1. #16
    Flakes's Avatar
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    i have a google excel document with my budget in:

    Income 1627.86
    -------------------
    Outgoings
    ---------
    halifax account 7.5 <-- halifax reward account
    Council tax 95.25 <-- this is getting cheaper because i qualify for the 1 person discount(25%)
    Phone/internet BT 19.9
    Bills 35 <- gas & electricity both around 15pound each, warm flat, i turn everything off, got one of those electricity monitors, idles ~30W and with fridge ~200
    Rent/Mortgage 260.3 <-- 3 bed flat
    Dental Plan 12.35
    water bill 39.68 <--- there currently charging me more for buying a house in the middle of the standard 10 month period, not happy, i argued lots on the phone.
    Food 80
    Car Insurance 50 <-- i dont pay monthly just put this into a savings account then pay a lump sum the year, its cheaper to do this way.
    House insurance 11.40 <---- building and contents through direct line.
    Petrol 120 <-- currently looking at cutting this down
    TV Licence 29.1 <-- same rubbish as the water bill
    Mobile 20 <-- bargain with my htc desire
    BnQ 54.3 <-- one off for loft boards
    Tyres 477 <-- one off
    ----------
    spent 1320.38
    ------------
    saving: 20 <-- will be increased when other bills are haved(water and tv license)
    Spending money: 307.48 <-- how much is left for pub
    Weekly Spendable: 76.87 <-- how much weekly for pub

  2. Thanks to Flakes from:

    Steve21 (22nd August 2011)

  3. #17

    Steve21's Avatar
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    Thank you all, Really useful to see

    Steve

  4. #18

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    We have ours set up similar to how Flakes does it - makes keeping an eye on things a doddle. Here's ours to try and help you out (Rough costs, as exact costs are on home PC - shown on monthly basis):

    Mortgage: £400
    Council Tax: £110
    Gas/Electricity: £41
    Water: £30
    Building and contents insurance: £20
    Life insurance: £20
    Food: £400
    Pet Insurance: £7
    Savings: £500
    Shares ISA: £100
    Car Savings: £100
    Diesel: £100
    Sky: £80 (BBand, TV, and Phone)
    Buffer: £100

    All this comes out the 'bills' account, and anything left goes into the spending account. We have a buffer on the bills account just in case something changes unexpected, like if we get a few movies off Sky Box Office, or if the missus has used the phone a lot that month, or if I've done a few more miles and need a bit extra diesel. Then, at the end of the month that buffer gets transferred to the spends account and we start again.

  5. Thanks to Hightower from:

    Steve21 (22nd August 2011)

  6. #19
    ascott2's Avatar
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    Based on 2 adults, 2 bedroom, in Kent
    Mortgage £650
    Gas £35
    Electric £30
    Water ~£35 a month (Two Bills)
    Petrol £60
    Life insurance £20
    Buildings Contents insurance ~£25
    TV License £12
    Food £80
    Pet Insurance £8
    TV Internet Phone £60 Sky
    Council Tax £115

  7. Thanks to ascott2 from:

    Steve21 (22nd August 2011)

  8. #20

    Hightower's Avatar
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    Quote Originally Posted by ascott2 View Post
    Based on 2 adults, 2 bedroom, in Kent
    Mortgage £650
    Gas £35
    Electric £30
    Water ~£35 a month (Two Bills)
    Petrol £60
    Life insurance £20
    Buildings Contents insurance ~£25
    TV License £12
    Food £80
    Pet Insurance £8
    TV Internet Phone £60 Sky
    Council Tax £115
    £80 a month for food? What are you eating?!

  9. #21

    nephilim's Avatar
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    Quote Originally Posted by Hightower View Post
    £80 a month for food? What are you eating?!
    Excluding my daughters food, £80 can last the mrs and myself a month easily. We can even go as far as making a tenner stretch a week! Just have to shop around for the best deals.

    We get all of our essentials (Bread, Milk, Butter, Meat) from our butcher who has been round my house for a BBQ and such like and we get good deals from him and he can beat supermarket prices by far.
    We get most our fruit and veg from the greengrocer next door to the butcher, again beating supermarket prices by far - some things we will forage from the locale, such as blackberries, raspberries, apples, pears, plums, peas.

    We also grow a few of our own bits and pieces (carrots, cabbages, parsnips, variety of herbs).

    All about how you spend the money and your choice, if you get it all from tesco, yes you get clubcard points, but shopping around we can save easily £20-£30 on a weekly shop just by going to different shops and sourcing our food properly.

  10. #22
    Flakes's Avatar
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    Quote Originally Posted by Hightower View Post
    £80 a month for food? What are you eating?!
    i thought that was ok then realised it was for 2 people, i spend 80 pound, although for work i tend to get:

    weekly:
    sandwich fillings from morrison 1pound each (get 3)
    loaf of bread ~1pound

    4 pound a week

    once a month or so:
    crisps ~ 2.50 pound (buy 24 pack, one bag with sandwich 24 days worth)
    Marge ~3 pound

    5.50 every so often.

    suppose you could do 80 pound for two people on a tight regime, meat tends to throw my budget out of whack since i like to cook currys, and have a slow cooker for stew

  11. #23

    Hightower's Avatar
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    See, we spend £300-400 a month on food, and I know this is normal as friends spend the same. My brother spends £75 a week and he eats nothing in my opinion!

    And we do try to save money on shopping, for example we tend to take a trip to pound stretched for cleaning products, tinned stuff, and crisps and biscuits. Then we go to Lidle/Aldi to get our meats and see what bargains they have, and then finish up at Asda to get anything we didn't pick up. Granted the food budget also includes alcohol, but this comes to about £30 or £40 per month. Could understand people's food coming to £200 a month, but £80 a month just sounds absurd to me.

  12. #24
    JoeBloggs's Avatar
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    I live on my own and do £50 a week - so £200 a month. Plus maybe eat out / take away at least once a week. So yeah... £80 a month is nothing lol

    Also include gym memberships... I play football so that costs me near £20 a month subs!

  13. Thanks to JoeBloggs from:

    Steve21 (23rd August 2011)

  14. #25

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    me, wife, two kids and a dog, and our weekly food shop is £100 a week. pretty much get everything from Asda.

  15. Thanks to thepineapplehead from:

    Steve21 (23rd August 2011)

  16. #26

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    Our household grocery bill for a week is about £150 - £170 and that's me and 3 other adults no alcohol in that one but does have essentials like Loo Roll (my sister goes through forrests of the stuff!) cleaning stuff, washing powder etc as well as the actual food.

  17. Thanks to john from:

    Steve21 (23rd August 2011)

  18. #27

    Hightower's Avatar
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    See, now our food bills include pretty much any consumable we use in the house. So how people can survive on £20 a week and also buy cleaning products, toiletries etc with that, unless of course those people weren't counting these things in their food bill costs.

  19. #28

    nephilim's Avatar
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    I wasn't counting those in my shopping bill to be honest.

    That's in my cleaning bill, which comes to roughly £40 a month, including loo role, toothpaste, mouthwash, bleach, (if needed) etc
    Last edited by nephilim; 23rd August 2011 at 09:06 AM.

  20. #29

    Millgate's Avatar
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    I pay:

    £550 - Rent - Thought about buying but decided against it
    £120 - Council Tax
    £60 - Sky
    £30 Water
    £30 - Gas - Goes up and down
    £30 - Electric - Goes up and down
    TV lic - £12
    Bupa - £120
    £10 - Contents insurance
    £15 - Internet
    Food - can vary a lot - we go see friends and family quite a bit so we eat at there house but still seem to spend a fortune!

  21. #30

    Oaktech's Avatar
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    basically, my mortgage costs about £550 (fixed rate), and my bills are about £350. this is subject to seasonal fluctuations, but its a rule of thumb that might be plus or minus £150.

    you can probably save £20-40 a month by shopping around suppliers for gas and electric, and by seeing if there are any concessions on your council tax to be had for single occupancy properties and such.

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