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Originally posted by pow

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Originally posted by Ben G
i only ask as we've wasted so much money from using the joint account to pay for everything (my wages get paid into joint account, but other halfs get paid into her own), so not ideal for saving up and you end up spending money on crap you don't need.

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How is that fair?!?!? You should both get paid into the joint account....

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Originally posted by Ben G
2 seperate accounts + 1 joint account for bills/shopping and house stuff seems the best way.

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quote:

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Originally posted by Ben G
i only ask as we've wasted so much money from using the joint account to pay for everything (my wages get paid into joint account, but other halfs get paid into her own), so not ideal for saving up and you end up spending money on crap you don't need.

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are you putting money in a joint account together and keeping the rest to yourselfs?

i only ask as we've wasted so much money from using the joint account to pay for everything (my wages get paid into joint account, but other halfs get paid into her own), so not ideal for saving up and you end up spending money on crap you don't need.

2 seperate accounts + 1 joint account for bills/shopping and house stuff seems the best way.

Yeah stamp duty is a bitch as it starts again in 10 day's typical really, yeah solicitors to all add's up ay, hopefully be all worth it :lol:

38 gas, 41 electric and 13 water here p.m on d/d's so get a discount.

i do get a drainage/sewerage bill through every 6 months from a different water company so i'm guessing (hoping) the £13.00 p.m doesn't take that into account.

Have you budgeted for solicitors fees and stamp duty in your plans?

Oh really that would soon add up, I only really wanted an additional phone line in the bedroom, it has a TV socket already which i did want but didn't realise it came pre fitted, but thinking about it a pair of cordless phones and you don't need another socket , and until we are in i don't think i really need to moves socket's ect.

Main plus point was picking the kitchen and bathroom, this all comes down to the decision on Tuesday though we are going over to view the site & see what deal we can come to



[Edited on 15-03-2012 by SXI - Matt]

Nice one

Word of warning they charge about £50 a socket shod you want t moved or additional sockets in most new houses. It soon adds up

Most of the house's we have looked at new build wise are already up & kitchen ect chosen. Going to be quite nice with this one to be able to pick the kitchen tiles preference to additional sockets ect

most new build purchases are off plan now as they are built to order

TBF I think i have now sorted how much i need to budget ect, just the whole process is a tad scary now we are about there :lol: off to look at the site Tuesday as it'll be an off plan purchase, just hope it's as nice as the plans :lol:

I'd be budgeting £600 a month for two of you on top of you mortgage for:-
Gas
Electric
TV License
Water
Council Tax
Food/Drink

and once you settle in, bring your DDs down to a sensible level. Better to overbudget than under-budget and not have the money at first.

I'm sure most people do this anyway but I DD everything and with Gas/Electric, I pay an amount that meants I'm building up credit in the summer months when I'm nto using as much and that tops up any shortfall in the winter months

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Originally posted by SXI - Matt
Ok so my self and the other half are at the stage were we are looking to move out, we have the deposit, decision in principle and even found the new build we are after.

Now before we commit I'm trying to get the price of every think together so we know what we are going to be paying each month, what's the best way or what on average are you looking at for gas/electric/water? Need a figure or a way of getting a rough figure to add to the rest

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I'm not being funny, but if you use the search, and type in "Bills" under House Day, there are LOADS of threads about this.

A lot of it boils down to the size of the house too.

Ok so my self and the other half are at the stage were we are looking to move out, we have the deposit, decision in principle and even found the new build we are after.

Now before we commit I'm trying to get the price of every think together so we know what we are going to be paying each month, what's the best way or what on average are you looking at for gas/electric/water? Need a figure or a way of getting a rough figure to add to the rest