TOTAL budget, not just household???

pavlovs_dog

black saturn - how many people is that for?

kiwichick - being really blonde here, but whats mpp?

kiwichick

mortgage payment protection.

Penny-Pincher!!

Hi

Black-Saturn: Dont know how you do it, thats fantastic!! My outgoings go like this:

Food/Petrol-£195
Electrc/Gas-£65
Water-£12
TV Liscence/Sky-£46
Car Ins, Tax, MOT-£39
BT/Talk Talk-£18
Internet-£21.99
Mobile PAYG-£10
House Ins-£8
Xmas/Birthday Pot-£25

Total PCM £440

I have debt on a 0% credit card which will be paid by April 2006-am paying back quite big chunks of this ATM so its cleared by then. We live pretty well. Our gas/electric is high as we are home 24/7 and i feel the cold alot. Our only luxuries are the Sky TV and broadband For 2 adults and 1 11yr dd thats just £102pw :j even with the luxuries-I can live with that..LOL. 18 months ago our outgoings were massive but thanks to this website they have been trimmed...ALOT!! More the case of having too :rolleyes:

PP
xx

black-saturn

pavlovs_dog wrote:

black saturn - how many people is that for?

It's for me and 2 children aged 11 and 8 (but every other weekend I also have my boyfriend here with his 15 year old daughter and I also feed them - of course).

black-saturn

black-saturn wrote:

Here is what I spend per month on the total household bills:

Gas - £25 (due to go down soon, I'm paying extra because the meter wasnt read for about 6 months when I first moved in here),
Electric - £15
Water - £10.77
Telephone and broadband - £24
Pet Expenses (Insurance, vaccinations and food) - £13
Sky TV - £12
TV Licence - £10odd (get this - we cant get terrestrial TV in our road as the reception is really really bad so if you want to watch TV you have to have Sky, but they still make you pay for the TV licence),
Subscription to Rauld Dahl (?sp) books/magazines the children like - £4.99,
School snacks - £6.00
Travel to and from London (where bf lives) - £48
Food - £28
TOTAL = £197

Then once a month I put £100 into an ISA which covers things like birthdays, christmas, holidays and any other unexpected emergencies. My income is only £480 per month but after this budget I am left with £183 which usually also goes into the ISA.

I don't have a mortgage anymore as I paid all this off and I am also now debt free.

Sorry, just realised I forgot about my mobile phone too which amounts to about £7 per month :eek:

kiwichick

Yikes......me too


I forgot we pay DH's ex £130 per month for DH's eldest daughter and
about £5 permonth for my mobile phone.

kiwichick

OMG!!!

I am going to have a corinary(sp?)!!

I'vejust made a list of all the people we buy for in terms of birthdays, xmas and amounts spent for each then divided by 12 and found that I need to save £81.67 per month to cover them all!!!!

Edit- Have reduced to £77.09 per month but requires further cutting!!!!

MrsB_2

Dont mean to frighten you Kiwi - but did you include Mother's Day, Father's Day, and wedding anniversarys in there???

pavlovs_dog

have you thought about making a positive deficit in your budget?

by borrowing from peter to pay paul as it were, and taking a chunk out of januarys budget, you could nab some bargains in the january sales to use for presents throughout the year to come

kiwichick

MrsB wrote:

Dont mean to frighten you Kiwi - but did you include Mother's Day, Father's Day, and wedding anniversarys in there???

YIKES- NO I HADN'T.

Are you trying to put me into an early grave??? I'm only 26 you know.

Edit - Now it £86.25!