Post # 1
Like the title says, I’m trying to figure out if my SO and I are paying way more/way less per month than others. I feel like some of our bills are super high and am looking for some perspective. For reference, we live in the pacific northwest.
- Light/energy – approx $200 (more in the winter, less in the summer of course)
- Cell Phone – $190 (this plan includes both of us)
- Mortgage – $1300
- Comcast – $140
- Garbage – $25
- Water – $50
- Truck payment – $350
- Credit Card – $150
- Car Insurance (for 3 cars) – $230
- Netflix – $8
- Toll bridge fee – $200
So, how do your monthly finances stack up? I didn’t include gas or food, as they aren’t fixed expenses and it’s more difficult for me to estimate.
Post # 2
That all sounds normal to me. It’s hard to assess the energy cost without knowing the size of your home.
Post # 4
Kings7911: Our cell phone, mortgage and energy bills are about 30% less than yours (1900 sq ft home). We pay about $50/mo per car for insurance and we don’t have cable (just netflix and hulu). We use our credit card to pay for our gas, groceries, etc so we get points and pay the balance off at the end of each month (we’re all about 0% financing lol). We don’t have any car payments. However, we live in the southeastern US, so the cost of living here isn’t too high.
Post # 5
We have a 1,200sq ft brick home, one car and one company truck
Light/energy – around $150
Cell Phone – $85 but get re-imbursed some by work
Mortgage – $500 including taxes & insurance
Direct TV – $60
Garbage – $15
Water – $25
Car payment – $250
Car Insurance – $100
Post # 6
- Electric Bill – $50
- Cell Phone – $120 for both
- Mortgage – $1600 (we purchased in May, will have it paid off in about 12 years due to a large down payment and accelerated mortgage payments)
- Condo Fees – $370
- Car payment – $450 (to have it paid off quicker)
- Insurance – $120 (contents, car, travel included)
- Credit Card – $0 (balance is always paid off)
- Cable – $70
- Investment property – about $300 (Renter covers most of the mortgage, we pay the rest plus condo fees)
We live in a 970 sq ft condo, so obviously prices would be much different in a house. DH has a company vehicle, so gas/insurance/maintenace is all looked after by company.
Post # 7
We have a 4/2 and there are 6 of us in the home (and 8 every other weekend):
* Electric Bill – about $300 in the summer (yay FL!) and $140 in the winter, this includes trash p/u and water
* Natural Gas bill – $50
* Cell Phones – $130
* Mortgage – $396 (includes taxes & insurance)
* Car Payment – $361 (will be paid off in Feb WOO-HOO!!)
* Car Insurance – $130 for 2 vehicles
* Dish Network – $55
* Cox (phone/internet) – $75
Post # 8
We live in a low cost of living area and bought our house at the bottom of the housing crash (we have a 3.25% mortgage on a 1900 sq ft house that would sell for $20K-$30K more today then when we bought it)
Phone- $160 (with discount due to my work)
Mortgage- $1071 per month, escrowed
Car payment- 0
CCs- $100 minmum payment, attempting to have paid off by December so most extra money goes to it
Insurance; $65.83 onth or $790 per year for two cars and a personal items policy (does not include home owners as that is in mortgage)
Cable/Internet $120 per month
Water/Sewer/Garbage- $40 all on the same bill
I didn’t include our biggest bill (student loans)
Post # 9
- Wedding: May 2014 - Madison, WI
We rent a 1,052 sqaure foot apartment.
- Light/energy – $130 (summer)/$50 (winter)
- Cell Phone – $165 – Three people
- Rent – $1195
- Charter Cable/Internet/Phone – $186
- Car payment – $263 – to be paid off in October
- Credit Card – $300
- Car Insurance – $54
Post # 10
Kings7911: In south texas:
- Light/energy – ~$150-200 in the summer, $75 in the winter.
- Natural Gas (winter only)- $50-75
- Cell Phone – $100 includes both of us
- Mortgage – $1600, includes house, property taxes, and home insurance
- Comcast Internet– $35
- Water & Garbage – $50
- Credit Card – we pay off what we spend that month
- Car Insurance (for 2 cars) – $119
- Netflix – $8
- Toll road- ~ $40/ 3 months or so
- HOA fees – $800/year
Post # 11
Kings7911: Off the top of my head…
* gas/electric (budget plan) – $178
* cell phone for 2 – $90
* mortgage – $1000
* cable/internet – $83
Post # 12
Rent: $575 including water and garbage
Electric: $135 during the hottest month of the year with a/c set on 80. (1,250 sq. ft. top-floor condo)
25mbps internet, local SD channels, and HBO: $53
Cell phone: $50 for one Tracfone ($10) and one MetroPCS phone ($40)
Car Ins: $53 liability for 1 vehicle
Car payment: none
Credit card: none
Groceries: $360 including paper products, cleaning products, personal hygiene items, and pet supplies (cat and fish). We use a cash budget for this and the next two categories since it’s very easy to go over. Once the cash is gone, it’s gone.
Work snacks, drinks, coffee: $40 (We always pack lunches.)
Fun/miscellaneous money: $50
My health insurance: $6.80 (subsidized, catastrophic plan). FI has employer dental and health that I will switch to once we’re married, so this will go up but give me better coverage.
Everything else goes into savings. We run a tight budget and keep our total expenses just under $1,500 per month. We plan on living where we are now for awhile; the rent is very hard to beat. I live in the SE US.
Post # 13
Kings7911: when i lived in Seattle, I had a 950 sq ft studio loft in Pioneer Square for $900 / month, which included most utilities except for PG&E. PG&E was approx. $20 / month. Internet & cell phone was $110 / month.
Credit card was paid in full each month, and I put $70 on my Orca card / month. No car, so no other expenses.
I kind of miss those days of cheap living.