Living with little or without household energy??

theoretica · 13 February 2022 at 7:52PM

To get it straight - you have one son living with you, paying keep and working on the energy guzzling PC and another at Uni?

emmajones1976 said:

£120 in car insurance a MONTH?!

What are you driving?

Is that so high because of your sons on the insurance? You might need to take them off, unless they pay the difference.

You are using about 9000kwh electricity a year - even with 3000kwh for the computers that leaves 6000kwh going somewhere else which I would expect a family of 3 with gas heating to be able to halve that as a reasonable aim.

Wicked_Lady · 13 February 2022 at 8:04PM

Looking at it from another perspective; can DH get any paid work, even if it's short term, to help offset the higher electric costs?

Pollycat · 13 February 2022 at 8:04PM

Do you feel your son is contributing adequately to the fuel bill if he is gaming a lot?
If your husband's PC uses an 'obscene amount of energy' why can't he chick his emails/jobs on a different pc?

KxMx · 13 February 2022 at 8:15PM

I live with my mother and my "keep" is going up in April to reflect the upcoming energy rises.

As well as my keep I pay for everything of mine myself, like all my own food plus 50%-100% of any joint food that we both eat, and I usually buy the cleaning products myself as I prefer to get refills over new bottles each time.

My income is only £131 a week.

We are very much a joint household of two adults first and foremost, not parent and child.

CapricornLass · 13 February 2022 at 9:18PM

Silly Q - are you paying your council tax over 10 months or 12? You can ask to pay over 12 months if you are currently paying for 10. Ok, it doesn't save money, but it might make the amount of monthly outgoing you have to find lower.

Job-hunting is almost a full time job in itself. My son has just started a job after almost 16 months unemployment, and I know how demoralising it is. I hope your OH is lucky enough to find something that suits him soon. However, if his PC is eating obscene amounts of electric, maybe the cheapest thing would be to buy another PC that doesn't use as much power! I'm sure he'll be up for that!!!

otb666 · 13 February 2022 at 10:29PM

i would suggest energy or debt free board for specialist advise However we use annually gas 11094 elect 4625 kwh 205pm, 3 bed semi new build 3 adults water 30pm on meter. Look up The epc cerificate https://www.gov.uk/buy-sell-your-home/energy-performance-certificates for your home this will have kwh for heating and water. We have 3 high powered PC Water cooled left on all the time and a further 4 laptops left on all the time. Agree insurances should be paid annually. If you are unable to afford upkeep of house you will either have to move or put your prices up But again i would suggest energy or debt free board for specialist advise, we are all in the same boat here as the goalposts have suddenly changed Hope this helps We have just finished supporting both kids at university and this is an expensive time both mine worked in summer holidays which helped.

otb666 · 13 February 2022 at 10:43PM

it took my son a year to find job he was into after uni so i feel your pain. The EPC will also show what measures you can take to better insulate your home

Happy_Sloth · 14 February 2022 at 1:40AM

Epc gives us an E rating but I think it was done before we bought the house, some of the measures it suggests we have already done such as double glazing (we got the last windows done last summer) and the boiler replacement whic was done 3 years ago.

others measures involve a lot of money we just don’t have right now, need ot get ourselves financially straightened out first as the improvements we already bought came at a cost.

Pollycat · 14 February 2022 at 8:36AM

Happy_Sloth said:

hey there, the last thing i want is for people to argue. I accept perhaps i was little dramatic.

Someone asked for a SOA here it is.

[font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b]

Household Information[/b]
Number of adults in household........... 3
Number of children in household.........
Number of cars owned.................... 2[b]

Monthly Income Details[/b]
Monthly income after tax................ 3200
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 500[b]
Total monthly income.................... 3700[/b][b]

Monthly Expense Details[/b]
Mortgage................................ 1250
Secured/HP loan repayments.............. 797
Council tax............................. 213
Electricity............................. 200
Gas..................................... 100
Water rates............................. 51.19
Mobile phone............................ 38
TV Licence.............................. 13.37
Internet Services and TV....................... 45
Groceries etc. ......................... 200
Petrol/diesel........................... 60
Road tax................................ 10
Car Insurance........................... 120.43
Car maintenance (including MOT)......... 20
Pet insurance/vet bills................. 42.65
Buildings and Contents insurance..................... 70.43
Life assurance ......................... 44.89
Other insurance......................... 114.49 -- These are related to my business not expansible.
Son Living Expenses..................... 200 -- Son is in UNI as higher earners he gets the minimum loan, which doens't cover his rent, this tops up his rent and gives him money for food/expences, he also has a part time job so funds the rest himself.
Pension................................. 114 -- Private Pension as i'm self employed.
Appliance Insurance..................... 9.49[b]
Total monthly expenses.................. 3713.94[/b]
[b]

Assets[/b]
Cash.................................... 0
House value (Gross)..................... 350000
Shares and bonds........................ 0
Car(s).................................. 12000
Other assets............................ 0[b]
Total Assets............................ 362000[/b]
[b]

Secured & HP Debts[/b]
Description....................Debt......Monthly...APR
Mortgage...................... 135686...(1250).....3.5
Bank Loan.................. 2365.84..(291)......3.3
Car loan ...... 6551.....(161)......4.5<
Kitchen........................5800.....(164)......5.2<
HSBC...........................7222.4...(181)......3.8[b]
Total secured & HP debts...... 157625.2.-.........- [/b]

[b]Unsecured Debts[/b]
Description....................Debt......Monthly...APR
Credit Card....................800.......16.24.....18
Overdraft 1....................3000......44........0
Overdraft 2....................2500......35........0[b]
Total unsecured debts..........6300......95.24.....- [/b]

[b]
Monthly Budget Summary[/b]
Total monthly income.................... 3,700
Expenses (including HP & secured debts). 3,713.94
Available for debt repayments........... -13.94
Monthly UNsecured debt repayments....... 95.24[b]
Amount short for making debt repayments. -109.18[/b]

[b]Personal Balance Sheet Summary[/b]
Total assets (things you own)........... 362,000
Total HP & Secured debt................. -157,625.24
Total Unsecured debt.................... -6,300[b]
Net Assets.............................. 198,074.76[/b]

[i]Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.[/i][/font]

Better posted on the DFW board, as suggested.

otb666 · 14 February 2022 at 10:42AM

i googled this about servers Calculating Server Power Usage. For instance, one server can use between 500 to 1,200 watts per hour, according to Ehow.com. If the average use is 850 watts per hour, multiplied by 24 that equals 20,400 watts daily, or 20.4 kilowatts (kWh)./ So equivalent to 5-12 100 watt lightbulbs tbh i am impressed by your grocery spend we are about 300-400pm including takeaways. I think the energy forum will help and at least on a domestic tariff rather than business you are able to fix prices. I think also the debt forum will suggest splitting you domestic costs away from business by deducting your pay first with your business costs The sooner you go on debt/energy forum the better as compared to where we were you are in better position than we were and now we are debt free

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Living with little or without household energy??

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