john banks

Never worked this out, but here goes:

Mortgage - about £180 a month interest
Gas bill - oil about £200 a month
Electric bill - about £35 a month
Council tax - about £155 a month not including drainage as private, occasional big ****ty bill...
Tv Licence - £13 a month I think?
Water rates - £0, but filters and UV lamps probably cost about £5 a month average
Sky - £0
Phone bill - £10 line rental saver plus about £10 calls
Broadband - £18 a month
Home insurance - about £50 a month

About £676 a month.

Mobiles (x2) £38 a month, car insurance (x3) about £125, road tax (3) about £80, professional registration fees and insurance (3) about £320, car MOTs/servicing/tyres about £160, personal accountancy fees about £60, petrol about £250, income protection insurance about £40, life insurance £25, and a load of other stuff I forgot.

So that is about £1098 per month.

Not including food, clothing etc.

Home improvements about £2000 a month over last six months or so, starting up business about £2000 a month over the last three months or so, but those like mortgage repayment are more "investment" or saving so I wouldn't include them as household running costs.

No wonder I feels like I'm bleeding cash though, spending just makes the mortgage interest bill higher.

Lee247

I've still got a mortgage
I have no intention of adding up my bills either. The house is huge and old and costs an arm and a leg to run. It would spoil my day if I totalled it all up

dpb

I inherited some cash, so there - what can you do

Luan Pra bang

I live in a barn so know how you feel and now the mrs has dropped the heating is on full blast 24/7. I don't even want to think about my gas and electric bill.

chocolate_o_brian

iTrader: (22)

Mortgage £4320
Gas bill £600
Electric bill £600
Council tax £1030
Tv Licence £140
Water rates £200
Virgin media (TV Internet Phone) £900
Home insurance £150

Spend about £220 a month on food for a family of 3, but need nappies and other baby supplies. Then just running the Scoob and have a mobile phone each which is £50 a month in contract bills.

That and anything else like debt etc. is managed comfortably on a monthly income of about £1520

Cockney Wideboy

iTrader: (2)

Our house costs around £11K a year, but our mortgage is £7200 per year

so without the mortgage its just under £4k a year.

This is just for the house, food, cars, mobiles etc all on top of this.

colapepsi

Mortgage (As of November 2011 it got paid off)
Gas bill £30 in credit (It has to be -3c outside and 13c inside for it to go on)
Electric bill £200 (per year)
Council tax £620
Tv License £140
Water rates £80 (I shower at my mums and at work)
Home insurance (I don't have, I play Russian Roulette with that)
Phone line.....£200

Total £1240

I earn between 25 to 30k a year

I am 32 living alone in a one bedroom apartment worth 80k.

You can keep your wife, two kids, the dog called spot and the big mortgage. No thank you.

fatscoobfella1

iTrader: (1)

Council tax £620 ???

Is that reduced as you live on your own ?

dpb

13 degrees , i take my hat off to you

dpb

oooh i think he'll be living alone allright

dpb

ooh i think he'll be living alone allright

fatscoobfella1

iTrader: (1)

£230 for gas and leccy pa ?

colapepsi

No £30 in credit with the gas...

fatscoobfella1

iTrader: (1)

Ah....

But how much does it cost PA,thats what you have to work out..

colapepsi

The electric costs 200 pounds for the year (full 12 months)

Scooby Jo

I pay £220 a month for gas and leccy, not even going to work the rest out, far too scary

njkmrs

Same as above but
Council Tax £2200
Sky £1000
Car Insurance x2 £1500
Kids Football /Dance £700
Mobiles x4 (not drug dealer. 2 kids, wife /me )£70
Gas /Electric £1200
Darent add it all up !!
Ooops Mortgage £12000.
If theres any change out of £20k I would be surprised .

tarmac terror

iTrader: (2)

Mortgage £8,124
Electric £948
Rates £1,440
TV £150
Phone £420
Broadband £252
Insurance £180
Heating Oil £1,500
Ground Rent £50
£13,064

chocolate_o_brian

iTrader: (22)

A one bedroomed apartment costs under £4 a week in electric

Cool beans, where do I sign??

davyboy

If only life were that simple again!

Dingdongler

I'm gobsmacked at how many people are paying just £100-£200 a year for home insurance

I pay £1100 per year and I don't live in a mansion.

What am I missing here?

chocolate_o_brian

iTrader: (22)

Value of induvidual items or cost of house to rebuild are big factors. Accidental damage etc.

Example, I have all my musical equipment (decks, vinyl etc) insured under specialist items and like for like replacement. But my house wouldn't cost a bomb to replace if it fell down It's a 1910 (Edwardian?) Mid Terrace so my quote is about right. Ihazard you live in a more upmarket area and property which would be considerably more to replace.

That or you're getting bumdered by an obscene quote.

Hell, even when I first bought my house 7 years ago with no NCD it was still under £500 for buildings and contents!

f1_fan

iTrader: (9)

Do you have any special items that you have notifed to your insurer e.g. valuable jewellery, expensive home entertainment system etc.

Basic home insurance is pretty cheap, but as soon as you start adding specialist items that fall outside the remit of the general policy then it soon starts to ramp up.

Also are people just quoting the price for contents as presumably everyone has buldings insurance too?

john banks

I had to get unlimited buildings insurance as it seems that in the 21st Century, rebuilding a big pile of old stones is ridiculously more expensive than it was in the 19th Century when they used to build them for cows and horses, so the rebuild value would take me 20 years of my take home income to pay! But that was only £650, albeit after a lot of shopping around, £1000 excess and only average contents. Most quotes were more than double.

lordharding

iTrader: (1)

Noticed how council tax varies so much from £700 -£2000 per year

House insurance can be bought cheap on price comparisons sites
Keep to the basic contents 50k should cost you £50
Building rebuilding std package of up to 400k maybe £80-£130 depends on your area
Go for high £2-300 excess and don't bother with legal protection etc gets your premium down
Just insured the bungalow for my parents £109 all in !

Lee247

I begrudge every penny I pay in Council Tax as they are the most useless bunch on the planet. I feel I am paying £1940 a year for absolutely nothing. Oh wait, they empty the bins, when they can be bothered to find my house

Dingdongler

No real special stuff ie art or specific jewellery etc. I do have no individual item limit/cap on valuables though. This was to cover my hifi/av where individual items cost £5k+. I think total items cover is £50k, need to check.

My buildings cover should cost no more than the equivalent Edwardian house anywhere, ie whether it be Kensington or Sh7tsville the amount it would cost to rebuild if it burnt down would be the same.

I've also only had one claim in about 10 years.

I've been paying Norwich Union approx a £1000/year all that time.

Either I've been ripped off badly or you guys are massively under insured (I'm guessing it's the former and I need to do something about it)

RobsyUK

iTrader: (2)

minus our loan our yearly cost is £24,000 !!! with the loan that is an extra £5k !!!

That's 2 of us no kids in a 4 bed detatched house.

fatscoobfella1

iTrader: (1)

Ding,
We live in a 3 bed stone house with stone slate roof..

Building and contents is £193 a year...£75k contents with anything over £1500 individually listed.
I have some hifi and my missus has some Moorcroft pottery pieces that come into that list,but i think its only 6 items in total..

Area must come into premium prices...Labour rates for full house rebuild here compared to London say,would be hugely different..

We are currently with the post office for our home/contents so maybe worth a try,or go on a comparison site..

I have a friend who more or less constantly has £60k of hifi in his home,which he insures with his home insurance,but is seperatly detailed and his premium is just under £600

fatscoobfella1

iTrader: (1)

Thats a lot of cash for 2 of you ????

Big mortgage i take it ?