What are your average monthly outgoings?? Mine first....

BaconandEggs

Mortgage 400
Council tax 110
Buildings and contents insurance 20


Electric 30
Gas 30
Water 35
Phone 12
Broadband 8
Mobiles 10
TV licence 12


Life insurance 60 getting this re-quoted


Petrol 100
Road tax 14
Car insurance 20


TOTAL 861

TheCrazyTravel

rental double room + council tax + water + internet = 330
electricity = 20
mobile phone pay as you go = 3 pounds average
bicycle = free
gym = 15,99

Total = 368,99 pounds between my girlfriend and me.

guesswho2000

Two of us in a 3 bed house...
Mortgage - 711
Council Tax - 104 (10 months)
Sky - 28
Car loan - 230
Landline - 12
Home insurance - 14
Car insurance - 43 (increased from 30 when we moved 10 miles down the road!!)
OH car insurance - 40
Mobile phone - 25
OH mobile - 42
Gas/elec - 30
Water - 20
Petrol - 100 (mostly business mileage, so repaid by employer)
OH petrol - 150 (We live 1 mile from my work, 22 miles from hers)
Mortgage overpayment - 250
TV licence - 12

I think that's it, so £1811. Obviously the mortgage OP is optional and the car loan is mostly covered by expenses, so our outgoings artificially high I suppose!

jinkster

Mortage: £880
Council Tax: £120
Internet (Plusnet) - Fibre 120GB: £40
Gas/ Electric: £100
Water: £25
House Insurance: £40
Car Insurance: £60
Fuel Costs for Car: £400
Sky: HD life pack £36
Car loan: £360 (paid end of next year in full)
Food bills: £250

Total: £2281

Average salary: £3300

2 People living together, no kids.

GooliesOfFire

Excluding food about £1200.. No personal loan, no hire purchase. Regular mortgage overpayments.

piemaeu

Hi! We have a 3 bed terraced house with just me and my other half...

Mortgage £362
House Insurances £24
Council Tax £74
Water, Electric & Gas £190 (I'm in credit by £85 on gas ready for xmas)
Broadband £15.50
Home Phone (No Line Rental Needed) £3
Mobile Phones £140 (3 Contracts - One Up Soon)
Car Insurance £334
Petrol £400 (Car Gets 11 MPG)
Car Maintenence & Tax £90
Other Travel Moneys £150
Home Shopping £400 (ish)
Eating out & Entertainment £300 (ish)
Clothes Shopping £200-500
Pet Insurance, Food and Pet related £70
Barclaycard Debt £200 (0% for ages and ages 7k outstanding)
Birthday Gifts £100
My Smoking Addiction £170

Total Out On Last Bank Statement £4129
Total I just Calculated £3222.50

Total Joint Income From Jobs £3000
Income From Investment £1500

I didn't include my other credit cards in the summary because I pay the bill by direct debit

chinamanlow

Mortgage £287 Nationwide fixed rate repayment 2 year cycle,then re assess, ive done well and havent believed the hype of salespeople and gone stupid in the 2000's and extracted money out my home to buy something stupid like a 4x4 i dont need.I own 80 per cent of my home,its only a 2 bedroom semi.12 years old
council tax 57 each
BT net and anytime phone 40gb £30
mobile Iphone 4 £15 unlimited net use THREE network deal,no contract
i pay my car insurance once a year £300 fully comp
i pay min on home insurance once a year by switching,its usually about £70 for just buildings insurance,no break ins in ten years and i fitted my own cctv.
i keep my car tip top so no reg' payments on car
my waters on a meter so its about £300 a year,two bills six months apart
gas / electric from southern electric is about £70 a quarter or £120 a quarter in winter each,dont pay every month as i only pay for what i use
Ive done my best over the years to minimise everything and me and the wife have good 20 to 30 k jobs with no kids in our mid 40s.Not bad

chinamanlow

Before you say do you eat or i live like a monk,i enjoy very good long haul hols,two a year paid in cash,i never get into debt for things like them or cars or silly things i dont need.
We pay £70 a month on food but buy fresh all week in m and s or local cheap stores like aldi/lidl etc
Ive had one car loan in ten years and wasnt stupid enough to believe PPI was in my interest even back then,so no claiming back for me now.That industry is just as parasitic as PPI was in the first place.
I cant afford it/i dont get it=simple,wish the whole country done that in the last ten years....what a dream that would've been.
Heavy smoking and drinking is just so stereotypically english and quite moronic in my eyes,madness to pay to kill yourself.
We go to NYC,LA,saint lucia business class,italy,greece and dont really have to think about what we spend cause ive got my eye on the ball.
If i have a problem or complaint with any provider i threaten them verbally with legal action/complain profusely,contact the CEO etc etc until THEY comply....thats the way people should do it,i have zero loyalty to big companies or providers...please remember youre just a consumer,they dont care about you,youre nothing to them so i see them in reverse the same.

Hooloovoo

chinamanlow wrote: »

Before you say do you eat or i live like a monk,i enjoy very good long haul hols,two a year paid in cash,i never get into debt for things like them or cars or silly things i dont need.
We pay £70 a month on food but buy fresh all week in m and s or local cheap stores like aldi/lidl etc
Ive had one car loan in ten years and wasnt stupid enough to believe PPI was in my interest even back then,so no claiming back for me now.That industry is just as parasitic as PPI was in the first place.
I cant afford it/i dont get it=simple,wish the whole country done that in the last ten years....what a dream that would've been.
Heavy smoking and drinking is just so stereotypically english and quite moronic in my eyes,madness to pay to kill yourself.
We go to NYC,LA,saint lucia business class,italy,greece and dont really have to think about what we spend cause ive got my eye on the ball.
If i have a problem or complaint with any provider i threaten them verbally with legal action/complain profusely,contact the CEO etc etc until THEY comply....thats the way people should do it,i have zero loyalty to big companies or providers...please remember youre just a consumer,they dont care about you,youre nothing to them so i see them in reverse the same.

Are you me? I could have posted this :T

Absolutely agree. Don't waste money on unnecessary interest payments, smoking and drinking, rubbish pay-TV, expensive phone contracts etc. Save money by getting good fresh produce from budget supermarkets and cook quality meals, rather than paying more for pre-prepared crap in a box/bag/bottle.

It's amazing the REAL quality of life you can achieve on a very modest income when half your income isn't wasted on debt payments - plentiful horizon-broadening travelling, good food, life experiences.

But then a lot of people seem to consider quality of life to be a full Sky TV package and an iPhone 5. Good luck to them if they're happy.

darkvader

Just saw this thread, ours look like this

1. 2 BR Flat on Rent with water - £1050
2. Council Tax - £150
3. Loan Repayment - £325
4. All other utilities (elec, tv, phone, mobiles, donations etc) - £200
5. Living - £500 to £600 : We (trying!!!) stick to this by spending £125 a week on food/shopping etc. Anything left over goes to small luxuries
No other payments, commitments, CC bills etc

So thats £2225 to £2325 - it seems high, but once we move to our home and pay off the loan, then it will come down by £500