Monthly outgoings?

Dithering_Dad

Cleaver wrote: »

I actually do a combination of those six events at the same time. I call the resulting spectacle 'Grapple Bulk Balling'.

Erm, in answer to your original question: no.

Then you will be able to get all the protein you need from food . I do body building/weight training and used to do kick boxing, until a rather unfortunate rib breaking incident in a London Muay Thai club a few months back put paid to it. I decided to retire from the sport, but still go along for the circuit training and stretching exercises.

mizzbiz

Ok in the spirit of it ill do it too:


Everything else saved as jobs looking quite shaky at the mo.

Linton

For the Linton household (2 retired people)

Monthly expenditure on requested basics not including entertainment/holidays/house maintenance&enhancement etc.....

Food - 380 (280 at home. This includes rather too much wine. 100 eating out)
Bills (utilities, household insurance, internet) - 290
Car - 140 (70 petrol, 70 maintenance, insurance, tax etc)
Minor unrecorded cash expenditure - 170

I have been keeping detailed expenditure records for the past 9 years using MS Money.

What I find very interesting is that our expenditure on basics has not significantly changed throughout that period.

People complain about inflation, but I am barely seeing it. Some things have significantly increased in cost eg council tax. Other things have had major decreases - household insurance is a significant example due to our moving from a 1920s house to a cheaper modern house. This move has also helped with fuel costs.

There has been inflation in food costs but I used to shop at Waitrose, now I shop at Morrisons. This has provided quite a mitigation.

I believe my experience here does indicate that relatively minor changes in lifestyle can help considerably reduce the effect of RPI inflation.

Motivatedworkingmum

This is interesting.....Oh go on me too! copied from my spreadsheet......for 2 adults and two hungry children (and hamster)

MORTGAGE701LIFE ASSURANCE32.25LIFE ASSURANCE 12.82COUNCIL TAX111GAS40ELECTRICITY45TELEPHONE30WATER29CONTACT LENSES14.95HOUSE INSURANCE18.72MOBILE PHONE 15MOBILE PHONE 9BROADBAND12KARATE49CAR LOAN188CHILDCARE190GROCERIES300PETROL190

All the rest goes on recession proofing ourselves at the moment....as they said in the girl guides 'Be prepared'! So we are saving, saving, saving!

Cleaver

Motivatedworkingmum wrote: »

This is interesting.....Oh go on me too! copied from my spreadsheet......for 2 adults and two hungry children (and hamster)

MORTGAGE701LIFE ASSURANCE32.25LIFE ASSURANCE 12.82COUNCIL TAX111GAS40ELECTRICITY45TELEPHONE30WATER29CONTACT LENSES14.95HOUSE INSURANCE18.72MOBILE PHONE 15MOBILE PHONE 9BROADBAND12KARATE49CAR LOAN188CHILDCARE190GROCERIES300PETROL190

All the rest goes on recession proofing ourselves at the moment....as they said in the girl guides 'Be prepared'! So we are saving, saving, saving!

Are you sure that's your monthly outgoings and not computer programming language for a ZX Spectrum?

exil

We've been spending £2,500-£3,000 a month for the past 5 years or so - but that includes things like holidays, new kitchen, new windows, new car, other building work.

Last month we spent £2,000, trying to pull in the belt after xmas

£200 on new tv
£50 water (monthly)
£80 for a night in a b and b
£150 spending money for a business trip to Paris (lucky me!)
£110 council tax (monthly)
£200 pocket money for teenager including piano lessons and bus fares (monthly)
£25 phone (monthly)
£40 diesel
£70 meals out
£80 insurance (monthly)
£55 gas and electric (monthly)
£120 groceries (card purchases)
£600 cash to cover everything else

the last covers a multitude of sins - cups of coffee, bacon sandwiches, takeaways, lunches at work, prescriptions (had a lot of antbiotics), bus and train fares, groceries (cash purchases)

Survival money? If we both lost our jobs we'd budget for about £1,000 a month. 1/3 for food 1/3 for bills 1/3 for the rest, for 2 adults and a 17 yr old.

shirlgirl2004

Ours is somehing like this for January

Mortgage, utilities, broadband, Ctax, school fees, insurance, car, etc £1,500
Food £600

The rest is saved or goes to over paying mortgage. There are other things that come out annually but this is what was spent in January.

Motivatedworkingmum

Quote Cleaver:' Are you sure that's your monthly outgoings and not computer programming language for a ZX Spectrum?'

Sorry Cleaver (and all) it was in a list but somehow ended uplooked like this...?!?!?!?!? will get better at this posting lark, will get better at this posting lark (chant)! Hope you get the jist of my outgoings!

The_Fat_el_Hombre

Cleaver wrote: »

Am I the only one who buys my protein in more traditional containers such as chicken, eggs and cheese?

Well that as well (hence my food bill dropping 80 quid a month), just drank the protein shakes on top

exil

A lot of people have forgotten they're paying council tax! Also a lot of people don't seem to insure their house or contents, repair or service their cars, do household repairs, make any allowance for depreciation of their car or the need to replace worn out "white goods"

I missed out some of this myself - only when you sit down to think about it do you realise the potential financial timebombs

It's encouraging though to know some people can get along on a lot less than I'm spending, given these uncertain times. If they can do it so can I!

Perhaps when people are giving us this budget they could tell us how many adults/children in the household, whether their house is rented/mortgage/owned, are they working/studying. Not trying to be nosey but the size of your household has a lot of influence on your outgoings, as does whether you're working or retired.