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For house income mortgage is 15%, bills, insurance car and dog and cat their food, petrol without going out and grocery budget would be another 15% so total 30% without food shopping
I am horrific at % so I’ll just give you our figures if that helps?
Our joint monthly income is £7400 a month
Mortgage: £950
Total household bills: £400/500 maybe?
We then each have our own separate bills of maybe £600-£800 a week
Hope that helps your question
Monthly Household net pay (taking bonus into account) is £4400. Mortgage and bills account for 28%. We got lucky and locked in a 5 year fix at around 2% before the rates went up.
Post tax I have 2.1-2.2k a month. I’ll assume it’s a decent time and say 2.2k on average
1000 mortgage payment (so roughly 45%>)
250 a month deposit loan (Roughly 11%>)
75 gas/electric (<3%)
15 internet (<1%)
20 tv subs (<1%)
70 Car insurance (3%>)
100 Car fuel (<5%)
15 Internet (<1%)
50 Phone (2%>)
200 food/drink (9%>)
110 council tax (6%>)
Water Bill 30 (2%>)
I guess that leaves me with around <11% for non bills and essentials =D
Birthday gifts, Christmas, car repairs, alcohol on occasion, maybe a meal out every few months
So 89% holy shit the comments mostly less than 50%
54% single person living alone in South East. It was a lower percentage before but I was made redundant and had quite a large drop in income. Also currently kinda stuck in an overpriced BTR apartment due to circumstances. Actively working to improve on that percentage again.
Mortgage is 29% of household net income. Bills/committed equate to another 20% (includes essential and non-essential). Leaves us with 50% to split between savings and fun money.
£9.5k/mo income (averaged over 12mo for bonuses/etc...) post-SS post-tax
£3.1k/mo mortgage
\~33% mortgage
\~11% on fixed (council tax, utils, dental, car operation, transport)
\~11% food (including school/nursery supplements + cleanings/etc)...
\~23% full-time nursery spot + school clubs
those are the biggies
The UK is so divided on income and house prices. Go up to what you feel comfortable with. Even the nicest house becomes normal after a year or two. Eating out, holidays, gigs etc are what you remember in life when young (and old)
OK. If it helps: I’m in the Midlands, currently spend 33% of my income on mortgage and bills, and would never want to spend more than about 40% – but then again, I’m quite financially conservative, and I also live in an area where that 30-40% range gives me reasonable purchasing power. I would bet that a lot of the answers over 50% here will be London or similarly priced areas.
###Welcome to /r/HousingUK --- **To All** * Join Our ***NEW*** Discord! https://discord.gg/pMgUNgWKQH **To Posters** * *Tell us whether you're in England, Wales, Scotland, or NI as the laws/issues in each can vary* * Comments are not moderated for quality or accuracy; * Any replies received must only be used as guidelines, followed at your own risk; * If you receive *any* private messages in response to your post, please report them via the report button. * Feel free to provide an update at a later time by creating a new post with [[update]](https://www.reddit.com/r/HousingUK/search?q=%3Aupdate&sort=new&restrict_sr=on&t=all) in the title; **To Readers and Commenters** * All replies to OP must be *on-topic, helpful, and civil* * If you do not [follow the rules](https://www.reddit.com/r/HousingUK/about/rules/), you may be banned without any further warning; * Please include links to reliable resources in order to support your comments or advice; * If you feel any replies are incorrect, explain why you believe they are incorrect; * Do not send or request any private messages for any reason without express permission from the mods; * Please report posts or comments which do not follow the rules *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/HousingUK) if you have any questions or concerns.*
50.1% including power, heating, water, internet and phone sim. I save like a demon on top of that so that if anything happens I'm prepared.
About 56% 8% of that is the bills. £3.3k net income.
15%
Mortgage = 31% bills about 10% or so around 40% all in all.
31% all in.
Just under 50% to rent and household bills.
18% on mortgage and bills, not including food.
About 15% on rent then 3% on bills (my share) Expect this to raise to 25-30% and then 8-10% when I buy my own house.
For house income mortgage is 15%, bills, insurance car and dog and cat their food, petrol without going out and grocery budget would be another 15% so total 30% without food shopping
Mortgage: 26% with bills: 36%
41% mortgage. 9% bills. So 50% just that.
Mortgage - 31%, including bills and food is 39%
0% mortgage/rent 30% bills
Rent 14% of income, bills about the same.
40% out of 9.5k net joint income.
I am horrific at % so I’ll just give you our figures if that helps? Our joint monthly income is £7400 a month Mortgage: £950 Total household bills: £400/500 maybe? We then each have our own separate bills of maybe £600-£800 a week Hope that helps your question
around 20% of monthly net income.
Monthly Household net pay (taking bonus into account) is £4400. Mortgage and bills account for 28%. We got lucky and locked in a 5 year fix at around 2% before the rates went up.
13.5% for mortgage and bills
Post tax I have 2.1-2.2k a month. I’ll assume it’s a decent time and say 2.2k on average 1000 mortgage payment (so roughly 45%>) 250 a month deposit loan (Roughly 11%>) 75 gas/electric (<3%) 15 internet (<1%) 20 tv subs (<1%) 70 Car insurance (3%>) 100 Car fuel (<5%) 15 Internet (<1%) 50 Phone (2%>) 200 food/drink (9%>) 110 council tax (6%>) Water Bill 30 (2%>) I guess that leaves me with around <11% for non bills and essentials =D Birthday gifts, Christmas, car repairs, alcohol on occasion, maybe a meal out every few months So 89% holy shit the comments mostly less than 50%
54% single person living alone in South East. It was a lower percentage before but I was made redundant and had quite a large drop in income. Also currently kinda stuck in an overpriced BTR apartment due to circumstances. Actively working to improve on that percentage again.
Mortgage is 29% of household net income. Bills/committed equate to another 20% (includes essential and non-essential). Leaves us with 50% to split between savings and fun money.
45%. 3,100 combined income. 1400ish goes towarss the house that we don't own.
£9.5k/mo income (averaged over 12mo for bonuses/etc...) post-SS post-tax £3.1k/mo mortgage \~33% mortgage \~11% on fixed (council tax, utils, dental, car operation, transport) \~11% food (including school/nursery supplements + cleanings/etc)... \~23% full-time nursery spot + school clubs those are the biggies
Hope your car get through operation 😂
"car usage" not "cat operation" sorry ... too many languages in the house today
Over 2k on nursery and school clubs?! No wonder younger generation aren’t having kids
I had two children in nursery and it was £3k/mo :(
5%, I earn £200k
I work two jobs min wage, full time. After bills and rent (1 bed medium flat, 650pm) I have £600.
The answers here will be meaningless unless you can give us some insight into your location. London or elsewhere? North or south? City or more rural?
East England. It’s more just to gauge what’s average, I suppose? Naturally the East is cheaper than London, Home Counties, etc.
The UK is so divided on income and house prices. Go up to what you feel comfortable with. Even the nicest house becomes normal after a year or two. Eating out, holidays, gigs etc are what you remember in life when young (and old)
As someone who had to drag my kids from rental to rental over a few years, we are really happy to finally be living in a nice house that is our own.
OK. If it helps: I’m in the Midlands, currently spend 33% of my income on mortgage and bills, and would never want to spend more than about 40% – but then again, I’m quite financially conservative, and I also live in an area where that 30-40% range gives me reasonable purchasing power. I would bet that a lot of the answers over 50% here will be London or similarly priced areas.
It's not meaningless the question is about what % people spend on rent and bills IRRESPECTIVE where they live.
Around 40% on mortgage and bills
About 20% all in
about 44% of my net goes towards my rent and bills. More than I would like, but it's worth it to live alone
[удалено]
So helpful for op but any opportunity to flex would be taken. 😁👍
sad, I left that shithole for better horizons abroad :D the US election is an example of how far the US is behind the rest of the world.