Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • trailingspouse
    • By trailingspouse 8th Feb 19, 11:31 AM
    • 3,448Posts
    • 5,864Thanks
    trailingspouse
    The cost of being single
    • #1
    • 8th Feb 19, 11:31 AM
    The cost of being single 8th Feb 19 at 11:31 AM
    So, Mr Spouse is moving out. No, don't feel sorry for me - it's OK.


    But - why are things more expensive for one person than they are for two??


    Let's take Council Tax. Yes, as a single person, I'll get a 25% reduction - but the household income will reduce by 50%, so I'm paying a larger % of the household income now.


    Car insurance - I have my own policy, on my own car, with Mr Spouse as a named driver. Rang the insurers yesterday to have his name taken off the policy - they want an additional £130!!!


    If and when I want to go on holiday, the room rate will be much the same for me on my own as it was when we travelled as a couple.


    I'm sure there are more - this is just what I've come across so far, and he hasn't even gone yet!!!
Page 1
    • gettingtheresometime
    • By gettingtheresometime 8th Feb 19, 11:49 AM
    • 4,385 Posts
    • 11,278 Thanks
    gettingtheresometime
    • #2
    • 8th Feb 19, 11:49 AM
    • #2
    • 8th Feb 19, 11:49 AM
    Don't take his name off the insurance until you renew.
    Lloyds OD / Natwest OD / PO CC / Wescott / Argos Card cleared thanks to the 1 debt v 100 day challenge


    Next on the list - JD Williams
    • onomatopoeia99
    • By onomatopoeia99 8th Feb 19, 11:54 AM
    • 5,248 Posts
    • 11,748 Thanks
    onomatopoeia99
    • #3
    • 8th Feb 19, 11:54 AM
    • #3
    • 8th Feb 19, 11:54 AM
    I understand you completely as like most single people I deal with this all the time.

    Council tax - don't know how old you are so if you would remember this, but for a short period we had local taxation which was paid by individuals rather than households, so no discrimination against single people. It was called the community charge, but the Labour party called it a "poll tax" and some of their supporters rioted, so we moved to the current system which is basically the old rates system under a different name. It is very sad that the Labour party is so overtly discriminatory against singletons.

    Hotel pricing is awful for solo travellers. Travel companies likewise - the "£599 per person" turns into at least 50% more if you're travelling on your own as it's always "based on two people sharing a room".

    Car insurance pricing is a black art - young drivers are often told to add a parent as a named driver to reduce the premium, so there must be data that suggests multiple named drivers reduces risk. Question is how much of that £130 is admin fee for a policy change, and can't you just leave him on until renewal time? If he drives the car without your consent it will still be a criminal offence ("TWOCing"), just not an insurance offence.

    You'll also encounter reduced pricing for multiples of food products in supermarkets, and wonder why they can't just reduce the price for a single item as there's no way you'll get through two or three or four before the sell by date.

    Also pubs and restaurants with "two main courses for the price of one on Mondays!" type offers, and so it goes on. I'll probably think of some more in a bit!

    Plus in six days' time it is the annual smug couples day.
    Last edited by onomatopoeia99; 08-02-2019 at 11:55 AM. Reason: typo
    INTP, nerd, libertarian and scifi geek.
    Home is where my books are.
    • jackieblack
    • By jackieblack 8th Feb 19, 11:58 AM
    • 8,507 Posts
    • 13,654 Thanks
    jackieblack
    • #4
    • 8th Feb 19, 11:58 AM
    • #4
    • 8th Feb 19, 11:58 AM
    Yep
    My household income dropped by about 70% and yes, a lot of the costs went up.
    I avoided the car insurance thing by adding my mum (not that she ever drives my car).
    Water, gas and electric all reduced a little, but not a lot - heating the house costs the same for one as for two, same for broadband and TV licence.
    Food bill halved - that was about the biggest reduction.


    And yes, holiday, only one flight to pay for but hotel and car hire both cost the same whether there's one or two using them. The upside (I've found) is that I do more in the time as I get to do only the things I want to do, there's no-one to compromise with over stuff they want to do which doesn't much interest you!


    Further upsides (not financial) - the toilet seat is always down, the toothpaste is not squeezed in the middle and when I put something somewhere, I can always find it again exactly where I left it!
    2.22kWp Solar PV system installed Oct 2010, Fronius IG20 Inverter,
    south facing (-5 deg), 30 degree pitch, no shading

    Quidquid Latine dictum sit altum videtur

    MFW #4
    (2018 - £866.89 OPd)
    2019
    Jan - £105.26, Feb - £50

    • spadoosh
    • By spadoosh 8th Feb 19, 11:58 AM
    • 6,352 Posts
    • 9,000 Thanks
    spadoosh
    • #5
    • 8th Feb 19, 11:58 AM
    • #5
    • 8th Feb 19, 11:58 AM
    Its economies of scale.

    There are fixed costs and variable costs. Things like housing, council tax (to a degree) and the day charge on your utility bills are fixed costs. These are fixed costs because it doesnt really matter if you have 1 person or 10 living in a house, the total cost is the same. Things like food, VAT and petrol are variable costs and are largely dependant on usage.

    The benefit of your situation is your less likely to have to put up with rubbish from your OH. Pros and cons. Sometimes its worth paying a bit more....
    Don't be angry!
    • MEM62
    • By MEM62 8th Feb 19, 12:04 PM
    • 2,019 Posts
    • 1,644 Thanks
    MEM62
    • #6
    • 8th Feb 19, 12:04 PM
    • #6
    • 8th Feb 19, 12:04 PM
    So, Mr Spouse is moving out. No, don't feel sorry for me - it's OK.

    But - why are things more expensive for one person than they are for two??

    Because you cannot benefit from economies of scale.

    Let's take Council Tax. Yes, as a single person, I'll get a 25% reduction - but the household income will reduce by 50%, so I'm paying a larger % of the household income now.

    I am sure that the cost for the Council to provide services to your home is not halved when you are a single occupant. However, this is not the only way that you can argue that the system is unfair as houses with 3 adults in them do not pay an extra 25%. We briefly had a system where charges were based on a per adult basis - it was called the Poll Tax. If you are not old enough to remember the upheaval that caused you can Google it.

    Car insurance - I have my own policy, on my own car, with Mr Spouse as a named driver. Rang the insurers yesterday to have his name taken off the policy - they want an additional £130!!!

    Unless you have a compelling reason to remove him from the cover now why not leave him on until the policy expires and then look for a better deal?

    If and when I want to go on holiday, the room rate will be much the same for me on my own as it was when we travelled as a couple.

    Because it is a business. The room will cost the hotel the same whether there is one occupant or two. Also, they prefer double occupancy as there are two people buying drinks at the bar and meals in the restaurant. Even with the room rate being the same the hotel are loosing revenue.

    I'm sure there are more - this is just what I've come across so far, and he hasn't even gone yet!!!
    Originally posted by trailingspouse
    I sympathise. I spent 20 years as a single man before meeting my other half so I am fully aware of your situation but it is what it is.

    When you do fall into your next relationship make sure that your partner does not have an kids or you will back here again - only this time bemoaning how much cheaper it was to be single
    Last edited by MEM62; 08-02-2019 at 12:06 PM.
    • calleyw
    • By calleyw 8th Feb 19, 12:13 PM
    • 8,971 Posts
    • 16,416 Thanks
    calleyw
    • #7
    • 8th Feb 19, 12:13 PM
    • #7
    • 8th Feb 19, 12:13 PM
    Plus in six days' time it is the annual smug couples day.
    Originally posted by onomatopoeia99

    Ono,


    I am in couple but even I find it clawing the whole valentines thing. over hyped and made to make people who are single feel bad.


    No idea why, as some people prefer to be on there own for what ever reason. Some people need to be on their own as they are too toxic to be in a relationship.


    Yours


    Calley x
    Hope for everything and expect nothing!!!

    Good enough is almost always good enough -Prof Barry Schwartz

    If it scares you, it might be a good thing to try -Seth Godin
    • trailingspouse
    • By trailingspouse 8th Feb 19, 12:29 PM
    • 3,448 Posts
    • 5,864 Thanks
    trailingspouse
    • #8
    • 8th Feb 19, 12:29 PM
    • #8
    • 8th Feb 19, 12:29 PM
    Yes, I'm old enough to remember the Poll Tax...


    We've agreed to leave our insurance policies as the are for now (he'll have the same problem, as I'm a named driver on his policy). Renewal isn't until 1st Jan, so yay!! I may have decided I don't need a car at all by then!


    I do most of my shopping at Aldi, and they don't do the 'BOGOF' type deals, so that's one thing less to get annoyed about!!



    And yes, jackieblack, I'm looking forward to doing the stuff I really want to do, without having to convince him that he wants to do it too (or leave him behind and come back to a moody begger later) - and there's a lot of stuff I really want to do!! We were in Sydney a couple of years ago, once-in-a-lifetime sort of thing. There was a guided tour of the opera house starting in about 10 minutes, and I really wanted to do it (one of my relatives performed there many years ago). He 'didn't feel like it'. So I did it anyway - left him feeling sorry for himself in a cafe. He sulked for the rest of the day. Not my problem any more!!


    And as to Valentine's Day, I'm going to buy myself some heart-shaped chocolate and maybe even a bunch of flowers. Just because I can.
    Last edited by trailingspouse; 08-02-2019 at 12:32 PM.
    • coffeehound
    • By coffeehound 8th Feb 19, 1:49 PM
    • 2,368 Posts
    • 3,947 Thanks
    coffeehound
    • #9
    • 8th Feb 19, 1:49 PM
    • #9
    • 8th Feb 19, 1:49 PM
    The Two Together rail card — why on earth do two adults travelling together qualify for a discount? Do they have to share a seat?

    An upside: Valentine’s day evening is great time to go grocery shopping — YS beanfeast
    • SuiDreams
    • By SuiDreams 8th Feb 19, 2:08 PM
    • 2,326 Posts
    • 10,358 Thanks
    SuiDreams
    My other half was very wasteful, so found Gas and electric dropped by 2 thirds, water bills dropped (water meter) unfortunately this was less than a half, Grocery shopping probably dropped by 2 thirds as well. Plus he never contributed to any bills so this worked out as a massive saving to me.
    • gettingtheresometime
    • By gettingtheresometime 8th Feb 19, 2:49 PM
    • 4,385 Posts
    • 11,278 Thanks
    gettingtheresometime
    The Two Together rail card — why on earth do two adults travelling together qualify for a discount? Do they have to share a seat?

    An upside: Valentine’s day evening is great time to go grocery shopping — YS beanfeast
    Originally posted by coffeehound
    It can be any two adults, not necessarily partners in any shape or form, that regularly travel together.
    Lloyds OD / Natwest OD / PO CC / Wescott / Argos Card cleared thanks to the 1 debt v 100 day challenge


    Next on the list - JD Williams
    • coffeehound
    • By coffeehound 8th Feb 19, 3:51 PM
    • 2,368 Posts
    • 3,947 Thanks
    coffeehound
    It can be any two adults, not necessarily partners in any shape or form, that regularly travel together.
    Originally posted by gettingtheresometime
    I still don't see why they get a discount, though. A single able-bodied person between the ages of 31 and 65 is now the only person who pays full price on the trains
    • trailingspouse
    • By trailingspouse 8th Feb 19, 3:54 PM
    • 3,448 Posts
    • 5,864 Thanks
    trailingspouse
    I still don't see why they get a discount, though. A single able-bodied person between the ages of 31 and 65 is now the only person who pays full price on the trains
    Originally posted by coffeehound

    I hadn't thought of it like that before - but I do believe you're right. Only 7 years to go...
    • m1kjm
    • By m1kjm 8th Feb 19, 4:12 PM
    • 1,227 Posts
    • 2,394 Thanks
    m1kjm
    My parents' friends had just renewed their car insurance when shortly afterwards the male died suddenly. The widow telephoned the car insurers to notify them and they wanted an extra £200 from her
    • trailingspouse
    • By trailingspouse 8th Feb 19, 4:19 PM
    • 3,448 Posts
    • 5,864 Thanks
    trailingspouse
    My parents' friends had just renewed their car insurance when shortly afterwards the male died suddenly. The widow telephoned the car insurers to notify them and they wanted an extra £200 from her
    Originally posted by m1kjm
    That's appalling!!
    • Marvel1
    • By Marvel1 8th Feb 19, 6:30 PM
    • 3,886 Posts
    • 4,266 Thanks
    Marvel1
    TV licence
    Broadband and Telephone
    TV subscriptions
    • Poor_Single_lady
    • By Poor_Single_lady 8th Feb 19, 8:02 PM
    • 1,469 Posts
    • 5,695 Thanks
    Poor_Single_lady
    Living on your own IS worth the cost I promise. It is expensive but so liberating!
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • Kim kim
    • By Kim kim 8th Feb 19, 8:22 PM
    • 2,477 Posts
    • 3,699 Thanks
    Kim kim
    Living on your own IS worth the cost I promise. It is expensive but so liberating!
    Originally posted by Poor_Single_lady
    Yes I love it!
    The TV remote is mine, the food in the cupboard is my choice, I have want I want for dinner & a bowl of cornflakes instead if I fancy.
    No one to wake me up at the weekend if I want a lie in and lazy day.

    The holiday thing is a right bloody pain! I like beach holidays, ideally large luxury all inclusive hotels on their own beach in a peaceful location - they are all priced for 2.
    • trailingspouse
    • By trailingspouse 8th Feb 19, 8:54 PM
    • 3,448 Posts
    • 5,864 Thanks
    trailingspouse
    When it comes to things like food and gas/electric/water, the amount I use is up to me and I can cut back if I feel I need to.


    It's the insurance that's bugging me the most. I haven't suddenly become a worse driver!! (And before someone comes on and tries to explain how it works, I know.)
    • Ilona
    • By Ilona 8th Feb 19, 10:00 PM
    • 2,300 Posts
    • 8,045 Thanks
    Ilona

    some people prefer to be on there own for what ever reason. Some people need to be on their own as they are too toxic to be in a relationship.
    Yours
    Calley x
    Originally posted by calleyw
    I am one of those people, but I'm not toxic, whatever that means. I chose to stay single. Everything I own has been paid for by me, and I've managed my finances pretty well throughout my life. It's what I'm used to because I don't know any different. I pay whatever the rate is.

    ilona
    I love skip diving.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,106Posts Today

7,329Users online

Martin's Twitter