Mortgage :800ppm
Council tax: 160 (960)
Electricity+gas: 160 (1120)
Water: 20 (1140)
Food: 300 (1440)
Student loan: 250 (1690)
Pension:300 (1990)
Car costs: 100-200 (2190)
Other costs (broad band etc): 100 (2300ish)
My concern is the mortgage. If that jumps to 5 percent it will be more difficult. It won't be difficult compared to some
() but that savings pot for holidays / general. Savings etc will not be as full.
For every 1 percent increase in mortgage rates that 100ppm of cost extra. It's such a concern I'm considering paying early repayment fee (2k ish) and refixing for 5 years.
So it's not difficulty it's more it will impact I suppose.
Student loan is about to Change to about (70ppm?) but partner has only had 1 month on that wage (was 21k) so it isn't quite as high as it seems.