Just to put a roof over our heads

swingjune

I have calculated our monthly fixed costs for 2 adults .........
Rent - 695
Council Tax - 126
Water - 12
Gas - 11
Electricity - 23
Content Ins - 31
Blimey, nearly 900 pounds :eek:

Burlesque_Babe

yep, it's a lot of money just to 'survive' these days!

Your contents insurance is very high - have you checked out comparison sites? I got buildings and contents for £15 a month recently. Did it through Quido which works now out at about £7 a month with the cashback!

Broken_hearted

Ours is £403 thank goodness for our tiny mortgage, if we had a huge one we wouldn't be able to pay it.

Spendless

Is your rent average for where you are? Do you rent somewhere that is bigger and more expensive than what you actually need?

swingjune

Burlesque_Babe wrote: »

Your contents insurance is very high - have you checked out comparison sites? I got buildings and contents for £15 a month recently. Did it through Quido which works now out at about £7 a month with the cashback!

Thanks :beer: I am going to review this

Gemmzie

That's really high rent for property for two people, so the CT is high respectively.

swingjune

Spendless wrote: »

Is your rent average for where you are? Do you rent somewhere that is bigger and more expensive than what you actually need?

Dh could walk to work (save on fuel costs), so we are paying for the location. The cheaper ones are too far and not feasible to walk.

savingholmes

Broken_hearted wrote: »

Ours is £403 thank goodness for our tiny mortgage, if we had a huge one we wouldn't be able to pay it.

Mine was £54 a month with the Halifax. We got a quote from Barclays for £420 and went back to Halifax and told them they weren't cost effective and we were thinking of switching. by the time we had taken off various things we would never claim for anyway and been given a loyalty bonus - my figure for contents and buildings is now £24 per month!:money: So check it out!

As well as quidco, in most areas Barclays offer you £50 if they can't save you money on your home insurance... It's well worth looking into. I'm mad with myself that we didn't do it sooner.

:money: Similarly BT and Broadband from Plus net - We will save a whopping £29 a month moving to Talk Talk and get an extra 30 gig of bandwidth!:D Unfortunately OH did it direct - otherwise could have got £40 from quidco!

I have been amazed at the savings you can make. The next thing I need to look at is life insurance, mortgage protection and critical illness - currently paying approx £112 a month just there!:o

Jacks_xxx

Here's ours:

(Round here £695 would rent you a one bed flat in a roughish area if you were lucky! )

MORTGAGE £746.19 (Going up in February as we went interest only for a while whilst we tackled our humongous debts)

COUNCIL TAX £155 (Going up in April. Band C Over 10 months. It would be £129.30 over 12 )

GAS & ELECTRIC £120 (and climbing. Our useage has gone down but our DD has had to go up £30. :mad: )

WATER £16.80 (meter - My local family members pay about twice this in their homes - I've been asking!)

B&C INSURANCE £18.56

=£1056.55

Love Jacks xxx

PS Tiny three bed Victorian terrace in a less than salubrious area, family of four.


PPS I've just told my 20 yo working son that his contribution is going up!

bathgatebuyer

At the moment, my own figures are:

Mortgage - £763 a month (come off fixed rate deal in March 09)
Council Tax - £97 a month (over 12 months)
Electricity - £37 a month (no gas)
Contents - £12 per month
Buildings - £100 per year

That's for a 2 bed flat in Edinburgh worth about £210K.

mummytofour

Mortgage - £970
Council tax -£128
Gas and electric -£135
Contents and building- £24

4 bed, on the south coast no idea of house price as value has gone down!

But we are a family of 7 so £179 pcm per head.

Oh forgot water £28 so total £183 per head or 1281 total.