Average household bills! PLEASE HELP!

Mnd

Red-Squirrel wrote: »

I think it’s tight as it is, your mortgage is taking nearly half of your take home pay

How do we know what there take home pay is?

Our monthly household expenses are £400 near enough

I spend too much on sport on TV, but that's my big expense.

It doesn't Inc food, buildings/contents insurance or car stuff, or landline paid annually

We do have solar panels no mortgage or rent

airandwater

dawyldthing wrote: »

Council tax - will depend what band you are on. I had a discussion on my Facebook once. I’m in a older house and it’s band a so £119 a month round here. A lass in school is in a new build, band d I think it was and pays £500 a year more.

Water rates £24 a month (I’ve got grates on the back so I think this is why)
Tv licence I pay upfront or it’s £12 ish a month

House insurance I pay £100 but it depends on your excess (I’ve got mine set high but I don’t intend on putting anything on the insurance to be honest or it goes up)

£50 for electric and gas - I don’t have it on that much to be fair

£18.95 TalkTalk internet and I pay nearly a tenner more for sky sports.

I don’t drive but if you do I’d put possibly £150 a month aside in case of car problems, insurance, tax, petrol and other things. I’d be surprised if many have Change out of it.

A lot will depend where you live. My stepdad pays double my water bill for living closer to town.

Do have Money aside though. I’ve paid anything up to £50 nearly every year to have guttering cleared, had to replace flat roof (£250), got a new boiler when I moved in (I don’t have it serviced but if I did that’s another £80 a year), washers broke so that’s going to be another £300 ish I think. Money can filter out your bank if your not careful.

Oh and think before you do the big purchases - I’m on about the new kitchen, new bathrooms. Ask yourself ‘does it really need to be done?’ As you can often spend several thousand and for what? I’ve been here 6 years, it still functions and I’ve avoided chucking money down the drain on replacing the lot. Have bought paint to paint the drawers eventually but do think about purchases as money takes a long while to earn but it’s easy to spend, esp with a house

Very sound advice. Home improvements aside, a house also need furnishing and decoration which costs money.

You have to ask yourself if you rather live in an large or more expensive house that looks dull or do you live in a cheaper have that's done up nicely instead and make you feel at home every time you walk in through the front door?