Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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Moving into a new home (especially first timers) and its hard to take into consideration every bill you will have, i think its a good idea if everyone posts their bills and roughly what they pay...
Council tax - £52 (single person)
Gas - £40
Leccy - £35
Home insurance - £19
Life Assusrance - £28.12
Water - £32
TV License- £12
Broadband - £23
Car Insurance - £30
Home phone - £18
Sky - £30
Mobile - £30
Pet Insurance - £10
Food - £120 a month
Fuel - £120 a month (30 a week)
Mortgage - £300
When you move in its best to have your essentials for the first few months, then get internet, sky etc
As for gas and leccy - these vary from property to property. Remember if you have an electric shower that will bump your electric usage up, same for ovens etc. You will never know exactly how much you will use untill you have been in the property for a full year and the average useage per month has been calculated.
To show you the difference - i am on a gas meter, i use £10 a MONTH in the summer, and £10 a WEEK in the winter.
Make sure when you move in you call and give your meter readings, DONT do what i did and not give any, in case you get lumbered with an excessive bill!
REMEMBER to budget extra for your first months mortgage payment, as it can be upto double in the first month
Also if you are living alone dont forget to apply for your single persons council tax discount with the council
and people buying flats - dont forget any leasehold/maintanence payments you will make in addition to bills.
If i've missed anything please add!  
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Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
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cheers ally, having valuations done on my 1st home atm, we want to buy new fridge freezer, new sofa (good one 1500quidish) and HD telly and sky HD, our mortgage is double yours though, but we probably earn more.
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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good post Ally
scotland, 3 bed terraced house...
Council tax - £110
Gas - N/A
Leccy -£65
Home insurance - contents and buildings £35
Life Assusrance - £25
Water - N/A is in the council tax in scotland
TV License- £30 per 1/4 but can't do this option no more.
Broadband - £17
Car Insurance -N/A
Home phone - packaged in with tv and broadband, about say £30 PM
Sky - £35
Mobile - £26
Pet Insurance - N/A
Food - £250 approx maybe 2 adults 2 kids.
Fuel - 2 cars, local work about maybe £20 a week.
Mortgage - £450
Ally this is my 3rd house and 3rd mortgage and never has my mortgage been more in the 1st month?
remember any loans / credit cards you have and fund for unexpected mishaps?
[Edited on 07-01-2007 by mav]
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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I live in Wales Russ, so house prices here are about 10 years behind which helps  and your older than me, so yeah might take home more (not that that has anything to do with anything?)
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Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
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no just that it probably works out the same money left each month
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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what nothing 
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Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
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quote:
Originally posted by mav
what nothing
halve that
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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half of nothing = 
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Council tax - £void - f/t student
Gas - £20
Leccy - £14
Home insurance - £120 for yr
Life Assusrance - £N/A
Water - £N/A
TV License- £whatever it is for the yr
Broadband - £14
Car Insurance - £200 for yr
Home phone - £21 talk anytime 200
Cable - £5 - dropped to the lowest package cos I never watch it
Mobile - £10
Pet Insurance - £
Food - £Dunno - depends if I eat out or whatnot.
Fuel - £about 20-30 quid a week
Mortgage - £240
[Edited on 07-01-2007 by Colin]
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Council tax - Student
Gas - £15
Leccy - £30
Home insurance - Still need to sort out - was over £1000 last time i quoted Can't afford it right now.
Water - Meter broken  Last bill was the standard charge plus 3p  I told them about it years ago, but they said it was working fine 
TV License- What ever it is for the year, due in March.
Broadband - £27.99
Car Insurance - £500 a year.
Home phone - Standard charge, about £40 every quarter.
Mobile - £30
Food - £25 - £30 per week if i don't eat out or order take aways.
Fuel - around £10 a week as uni is less than 2 miles away.
Mortgage - £267
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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£1000 for home insurance?? Jeeeesus Donkey fiddler - Do you have a couple van goughs hanging on your walls or a fabershe egg on the dining room table
Im with Direct line - £120 with my £1400 TV declared as an expensive item, thats both contents & building £25k contents & £60k reinstatement cover.
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ssj_kakarot
Member
Registered: 29th Apr 03
Location: hartlepool
User status: Offline
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wtf why is every ones food bill so cheap we pay £140 a week on food, well my mam does, 4 aldults in the house mind but still lol.
[Edited on 08-01-2007 by ssj_kakarot]
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Maybe because they live on there own
& Mav obviously catches the neighbours dug & uses all parts to subsidise the food budget
Andrew doesnt eat 
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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That includes all cleaning stuff, shampoo etc too
To be fair, i do eat 50% of my food intake from my parents lol.
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John_C
Member
Registered: 5th Mar 03
Location: South east, Bromley
User status: Offline
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depends when your mortgage starts and if u pay in advance or arrears. My first payment was made up of 3months which ended up as £1650
so ask!
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Scotty_B
Member
Registered: 11th Jun 03
Location: East Kilbride
User status: Offline
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Council tax - £111
Gas - £25
Leccy - £26
Home insurance - £19
Life Assusrance - £6.36
Water - n/a
TV License- £12
Broadband - £18
Car Insurance - £30
Home phone - £10
Sky - £45 (cable)
Mobile - £10
Pet Insurance - n/a
Food - £120 a month
Fuel - £80 a month (20 a week)
Mortgage - £565
£1050 ish.
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Jamie Walby
Member
Registered: 15th Nov 04
User status: Offline
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Only thing I wouldnt be paying out that everyone else does is fuel.
Still a fair amount though. Though theres a few bits that people could go without if things got a bit tight. Sky and broadband for example.
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Scotty_B
Member
Registered: 11th Jun 03
Location: East Kilbride
User status: Offline
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quote:
Originally posted by Jamie Walby
Though theres a few bits that people could go without if things got a bit tight. Sky and broadband for example.
Beans and toast every night would also slash the food bill in half.
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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I have done that, its not good for you
Worst thing i have experienced is running out of money 3 days before i was expecting too... and running out of emergency gas credit and having to live in a house with no heating near the top of a fking valley for 3 days
Because im on my own every other night i usually tend to have soup and a bit of crusty bread which works out cheaper as well, then have a 'proper' dinner every other day!
But no to beans on toad every day, just take your dinner into work and save a couple of quid every day that way!
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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on toad, well yes ally that would be disgusting
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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Thought i'd update my fascinating bills, we spend £40 a week on shopping now as we are al la healthy
and £40 as in, £40 usually within a couple of pound!!!
and thank fuck summer is here as im paying £10 a month on my gasssss
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nathy_87
Member
Registered: 14th Aug 08
Location: West Mids. Drives: Škoda Fabia VRS 5J
User status: Offline
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Rent-£100
Car Insurance-£137
Going Out-£70-100
Paying off Holiday £150
Leaves me couple hundred to play with
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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Last month we spent about £5 on the gas meter i love summer
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hack3tt
Member
Registered: 4th Jan 06
Location: Coventry
User status: Offline
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quote:
Originally posted by Ally
Last month we spent about £5 on the gas meter i love summer
Im in the same situation!!
Put £20 on a couple of months ago and its still at about £8
Was going through £20 in under a fortnight in winter!!!
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Tiesto
Member
Registered: 6th Jun 02
Location: Hinckley, Leicestershire
User status: Offline
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I spend close to £250 a month on food im a hungry badger
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