(Closed) How do your monthly bills compare to mine?

posted 5 years ago in Home
Post # 46
Member
319 posts
Helper bee
  • Wedding: November 2015 - Old Mill Boathouse

I live outside of the most expensive city in canada (or at least I will as of the 20th of September! Closing on my Condo!), a house my parents paid $70,000 for 30 years ago is now estimated to be worth over a million, it’s crazy.  I wouldn’t ever be able to afford to live in Vancouver, sadly as 700 sq ft condos go for over $400,000.  I’d move to the other coast in a heartbeat if I wasn’t so close to my family.

Instead I scrimped and saved and bought myself a place half an hour outside the city and am quite happy.

Mortgage: $945.00

Cell Phone: (2 lines) $150.00

Projected Internet Cost: $80.00

Strata Fees (includes fire place gas): $250.00

Projected Hydro Cost: (electricity) $70.00

Car Insurance: $150.00

Projected Gas: $240.00

Train Pass: $200.00

Savings: $250.00 (supplements the 10% that comes off my paycheque through my job’s retirement superannuation and emergency savings)

Property Taxes: $120.00

Canada Savings Bonds: $50.00

No credit debt…

Bought my car outright a year old back in 2011.

The cost of gas is going to kill me, I am going from maybe $90.00 a month, to over double that, :weep: I only live fifteen minutes from work now at the worst of times so…

  • This reply was modified 5 years, 5 months ago by  happenstance.
Post # 47
Member
33 posts
Newbee
  • Wedding: April 2014

Certaintly cannot believe the cost of your mortgages! Brisbane, Australia:

  • Light/energy – approx $100
  • Cell Phone – $100 for two
  • Rent – $1860
  • Fuel  – $160
  • Internet – $45
  • Groceries – $730

For two/month in a townhouse 2km from CBD…Looking at buying but would need to pay upwards $2000-$2500/month mortgage!! (In the area we are)<br /><br /><br />

 

Post # 48
Member
787 posts
Busy bee
  • Wedding: October 2013

Kings7911:  

 

  • Light/energy – approx $50
  • Cell Phone – $80 for both of us
  • Mortgage (rent) – $1250
  • Comcast – $0
  • Garbage – $0
  • Water – $0
  • Gas – $100
  • Metro Pass – $130
  • Credit Card – $400 (all from luxury purchases ie. clothes, dinners out, travel)
  • Car Insurance for both of us (for 1 car) – $150
  • Netflix – $8
  • Student loan (which will be finished in 2 months) – $250
  • Groceries – $200
  • Internet – $40
  • Home phone – $30

 

  • This reply was modified 5 years, 5 months ago by  anonybee0810.
Post # 49
Member
96 posts
Worker bee
  • Wedding: June 2014

Kings7911:  

We live in a 1600 sq ft built out cape, 4 bedrooms, 2 full baths in a suburb of Boston (read: a bit expensive but could be worse if we were closer/in the city). There are 2 adults and one puppy in our home. We have two cars with loans on them.

Monthly:

Light/energy – approx $100 (sometimes as low as $40 depending on how much A/C we’re running)

Cell Phone – $100 (this plan includes both of us, but we are on a plan with my extended family and pay our share)

Mortgage – $1550 (includes PMI)

Property taxes- $200

Charter – $85

Garbage – $5 (We split a dump pass with my inlaws)

Water – $0 we have a well/septic

Car payments – $580 (this is for both of us, looking to refinance)

Credit Card – $50 (we have a Lowe’s card for home reno stuff and a Kohl’s card)

Car Insurance (for 2 cars) – $150 

Netflix – $8

Student Loans- $135

Not technically fixed but I pretty much set a fixed budget for it anyway:

Groceries- $300

Gas- $320 (for both of us)

Fun money- $300 (for both of us)

Vacation fund- $50

Savings- $500

Hope this helps!

Our total is usually around $3000 for fixed expenses per month and we pull in around $4400 per month after taxes and we split the remaining $1400 or so on groceries, gas, vacation, savings and then usually unancticipated emergency expenses.

 

Post # 50
Member
1936 posts
Buzzing bee
  • Wedding: March 2014

This thread hurts me to read. I guess that’s what I get for choosing to buy a house in a city.

Post # 51
Member
319 posts
Helper bee
  • Wedding: November 2015 - Old Mill Boathouse

For all the Australians who are shocked by the low price of some north american’s mortgages and rent, you have to remember, our minimum wage is nowhere near some of your wages out there.   My sister’s boyfriend is from Australia, and says that while cost of living and wages are about equal to each other out there, here it’s not quite the same. 

Vancouver, especially, minimum wage is 10.50/hr, but if it were living wage it would need to be around 20.00 an hour.  Mind you that’s a different debate all together, but my sister’s beau has said that everything is more expensive in Australia, but the living wage at least for most professionals is more balanced.

Post # 52
Member
192 posts
Blushing bee

Mortgage 1: $1800

Mortgage 2: $1500

Cell phones: $180

Car 1: $360

Car 2: $350

Car Insurance: $90

Home owners insurance? We pay yearly and I can’t remember…

Health & Dental Insurance for three: $300

Pet Insurance $150

Cable/Internet/Home phone $175

Baby Formula: $100

Groceries: $400

Gas for cars: $150

Electric: $50

Gas for heat in home: $110

Daycare: $800

Credit Cards : $400

Entertainment $300

Diapers: $60

Wow, this is depressing, over $7k, ugh!

 

  • This reply was modified 5 years, 5 months ago by  akazan.
Post # 53
Member
1094 posts
Bumble bee
  • Wedding: May 2014

holy crap…this makes me depressed.

Post # 54
Member
131 posts
Blushing bee
  • Wedding: May 2014 - alder manor

NYC Area:

  • Light/energy (Gas / Elec) – approx $80
  • Oil Heat (Old House) $500 per winter months
  • Cell Phone – $230 (this plan includes both of us)
  • Mortgage – $2000
  • Comcast – $130
  • Garbage – Inc in property Tax
  • Water – $35
  • Truck payment – $220
  • Credit Card – No Debt 🙂
  • Car Insurance (for 3 cars) – $230
  • Netflix – $8
  • Commuting – $700

<br /><br /> 

Post # 55
Member
2092 posts
Buzzing bee
  • Wedding: May 2015

Light/energy – $60

Natural gas – $9 

Mortgage, including home insurance – $460

Internet (no cable) – $30

Cell phones – $70

Garbage – $12 every couple months

Water – water heater rental $16/month plus about $5 per bag of salt. We don’t have RO so we just refill jugs at the grocery store every week for drinking water at about .30 cents/gal

No car payments, we both own our cars. We do each spend about $160 in gas though since we drive out of town for work.

Groceries about $150/month

No credit card debt

 

 

 

Post # 56
Member
1156 posts
Bumble bee
  • Wedding: September 2014

I live in a desert, freezing in the winter, boiling in the summer, so my electricity bills are high year round. We have a ~2100 sqf home, 4 bedrooms, 3 full baths, on an acre of property with a large shop and several cars, trailers, motorcycles, and trucks.

Mortgage, house insurance, property taxes, irrigation (one payment) – $1650

Electricity – ~$200

Water/Sewer/Garbage – $100

Internet (no cable) – $60

Auto insurance – ~$175 (we pay in 6 month bulk payments for a discount, but this is for 3 cars, 2 trucks, 3 motorcycles, a boat, and 3 trailers)

1 Car payment – $200

Cell phones (2) – $150

Gas (35 mile commute one way) – $200

Yard care ~$100 (in the summer)

We also have several yearly expenses. Tabs for cars, forest parking passes, ORV tabs, vet bills, medical bills, home ower stuff (roof leaks, heat pump repairs, plumbing repairs), etc.

Post # 57
Member
4891 posts
Honey bee
  • Wedding: October 2014

We have a 3 bed/2bath twin home, about 1400 square feet on 2 levels. This was for August, and some we pay together and some ourselves still:

  • Light/energy – $150.00
  • Water – $20
  • Cell Phone – $86 (just for mine)
  • Garbage/Water – $60
  • Mortgage – about $1000 (split)
  • Cableone – $108 (split – includes TV and web, and we get a $46 credit for internet each month due to FI’s job… we pay too much)
  • Credit Card – $600-700 (just mine, and lots of wedding stuff right now)
  • Car Insurance (for just my car) – $30

Neither of us have car payments, but I bet that will change in the next year. Fiance especially needs a new car!

Post # 58
Hostess
8575 posts
Bumble Beekeeper
  • Wedding: October 2014
  • Gas/Electric – approx $250, we are on a budget plan where we pay the same price all year long, and at the end of the year if we paid too much, our monthly bill goes down, and if we paid too little, it goes up a little so it varies year to year, right now we are paying $250.
  • Cell Phone – $70 for both of us
  • Mortgage – $650, includes property taxes
  • Water [includes garbage] – $80
  • Car Insurance – $80 full coverage for 1 car
  • Netflix – $8
  • High Speed Net – $80
  • Magic Jack – $20 yearly
  • Gas for Vehicles – Around $60 a week
  • WoW Subscriptions – $60 [for 2 accounts]
  • Ipsy – $10

We don’t have regular tv, no cars on payments, credit cards, or anything on credit.

Post # 59
Member
1798 posts
Buzzing bee

Electric- $200/month for a 1,000 sqft apt. hopefully it’ll go down now that our roommate moved out (he was wasteful)  

rent- $1,050/month doesn’t include anything 

water- $68 this month

garbage- $10

we don’t have any CC debt, but we do have a small personal loan that is $195 a month. The things I haven’t listed are things we don’t pay for. My parents still pay for my car and insurance since I’m in school at the moment. 

Post # 60
Member
4028 posts
Honey bee
  • Utilities Bill – $150 (in the summer, includes water, gas and electric)
  • Cell Phone – $100 (for both phones)
  • Mortgage – $1500 (includes HOA fee, insurance, taxes, etc)
  • Cable/Internet–Included in HOA fee
  • Garbage – $25 
  • Car payment- $325
  • Credit Card – $0 (I technically pay it off every month and only put groceries on it)
  • Car Insurance — $105 per month (both vehicles)
  • Gas – $100 
  • Groceries – $400

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