Moving in with the missus for the first time
- Thread starter xraycat87
- Start date
£300 per month disposable income per month for two of you seems very low. You may find it uncomfortably low. Treats/days out add up very quickly.
Car issues wont be a problem as we know someone who deals with MOT/Service etc. For example my new radiator cost me £20 for part and labour. So we SHOULD be safe that side of things...hopefully.
good point
Bit harsh, but thats the house... http://www.rightmove.co.uk/property-to-rent/property-24294270.html
£250 a month does seem very low for food. I'm doing a similiar spreadsheet to yourself and have budgeted more like £350 a month for food.
I think it's very easy to assume the food bill will only be for food, the problem is theres alcohol, snacks, and then all the various other things you buy from a supermarket such as cleaning supplies. By the time you add all of this on top you will soon go over. It's then stuff that you cant really put elsewhere in the budget as well. Changing the word "Food" to "Groceries" makes it an easier pill to swallow for me.
The only critical thing I can see that you seem to be missing are all the other costs that come with the car ownership. You have insurance / fuel, but what about servicing, tax, tyres, breakdown cover, and the cost of any repairs you might need?
I think it's very easy to assume the food bill will only be for food, the problem is theres alcohol, snacks, and then all the various other things you buy from a supermarket such as cleaning supplies. By the time you add all of this on top you will soon go over. It's then stuff that you cant really put elsewhere in the budget as well. Changing the word "Food" to "Groceries" makes it an easier pill to swallow for me.
The only critical thing I can see that you seem to be missing are all the other costs that come with the car ownership. You have insurance / fuel, but what about servicing, tax, tyres, breakdown cover, and the cost of any repairs you might need?
£865 each a month. Is that part time or minimum wage work?
Is it possible to cut down on fuel and car finance some how
£250 on food seems more than enough, unless you include going out to restaurants too. Works out at £29 per person a week. I manage on £25 and eat a lot of fruit, veg, chicken, steak mince etc. Yes, you cant go buying fillet steak and fish all the time but still eat very well on £29 a week. Plus its £58 a week for both of you, so some very good meals can be done out of that
Nice low council tax though. I hate paying £180/month - however there is 3 of us, so not too bad
Is it possible to cut down on fuel and car finance some how
£250 on food seems more than enough, unless you include going out to restaurants too. Works out at £29 per person a week. I manage on £25 and eat a lot of fruit, veg, chicken, steak mince etc. Yes, you cant go buying fillet steak and fish all the time but still eat very well on £29 a week. Plus its £58 a week for both of you, so some very good meals can be done out of that
Nice low council tax though. I hate paying £180/month - however there is 3 of us, so not too bad
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seems nice, seriously though even band A is over £100 a month here
Yeah it seems a lot more in depth after having feedback on here. Should add the missus gets her tax/service/mot done for christmas by her dad
I've also just noticed, you have nothing in the budget for any kind of "entertainment" allowance. Odd trips to the cinema, meals out etc. When your only running in the £200 - £300 a month of spare money they can really add up. I stuck £80 a month into my budget in an effort to try and cover that off which I would say is worth doing.
£300 isn't much though - a service on the car and you'll be done for the month. That means no disposable income at all - not even a pint after work on Friday.
This might be unpopular, but you are spending £3200 a year on a car (insurance/loan). Get rid, buy something cheap to get you around for a while, if work is 5/10 miles away you aren't doing loads of miles.
I think you need to look at "house stuff" you might also need initially - linen, kitchen utensils/cookware, crockery/cutlery, maybe the odd bit of furniture etc.
On the upside I think you might be over estimating utility bills - I can't remember exactly but I think mine are something like £80 a month.
ETA: The house is unfurnished, so you'll need everything - bed, bedside cabinets, sofas, coffee table at a minimum.
This might be unpopular, but you are spending £3200 a year on a car (insurance/loan). Get rid, buy something cheap to get you around for a while, if work is 5/10 miles away you aren't doing loads of miles.
I think you need to look at "house stuff" you might also need initially - linen, kitchen utensils/cookware, crockery/cutlery, maybe the odd bit of furniture etc.
On the upside I think you might be over estimating utility bills - I can't remember exactly but I think mine are something like £80 a month.
ETA: The house is unfurnished, so you'll need everything - bed, bedside cabinets, sofas, coffee table at a minimum.
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The loan ends soon anyway, Jan I believe. And December the insurance is due to be renewed which might bring that down to 40-50/month.
My council tax is over £1000 XD
Me and my gf spend £350 on food which includes the pet food.