What Are Your Household Bills Per Year?

pandabear on 13/07/2017 - 15:31
Last edited 13/07/2017 - 16:18 by 1 other user

I thought it would be interesting to make a thread to see how much Ozbargainer households spend on recurring bills each year. For those of you who can be bothered working out your numbers please post your responses.

We are a family of 4 in Victoria, with 2 kids aged 3 and 1. Husband works full time and I work 3 days per week. Our figures below are accurate for the past financial year. Please let me know if I have left out anything obvious. I have excluded food, clothing and entertainment expenses because they are quite variable and it is too time consuming to track them accurately.

Mortgage $ 39,564 (principal and interest)
Council Rates $ 2,052
Water $ 1,072
Electricity $ 1,080
Gas $ 1,310
Mobile $ 1,800
Internet $ 480
Foxtel $ 564
Childcare $ 7,450 (takes rebate into consideration and will increase to $23,500 next year)
Gym membership $ 1,200
Health Insurance $ 1,896
Medical $ 600
House Insurance $ 517
Car 1 Insurance $ 1,000
Car 1 Registration $ 801
Car 1 Servicing $ 0 (for the next 2 yrs due to complimentary servicing on purchase)
Car 2 Insurance $ 442
Car 2 Registration $ 801
Car 2 Servicing $ 700
Petrol $ 2,000
Public Transport $ 900
Loan annual fee $ 395
Total per year $ 66,625
Average per month $ 5,552

Financial

Comments

  • Nugs on 13/07/2017 - 15:41

    housing loan(s) and/or rent

    • oscargamer on 13/07/2017 - 15:44

      yep - mortgage or rent - our biggest bill

      • pandabear on 13/07/2017 - 15:52

        Oops now included

  • geek001 on 13/07/2017 - 15:57

    We are a family of 4, very similar figures plus and minus a few things.
    * We do not have gas, foxtel nor gym membership
    * Electricity is about $1300
    * mobile is paid for by work, wife is on $20/month plan, phone is bought outright for about $400(given the amount of ebay sales last financial year).
    * Internet for us is about $65/month or $780/yr.
    * No childcare because my children are school age, that gets replaced by uniforms, school excursions, "fund raising" and extra curricular activities. Probably works out to about $10k/year.
    * We do not pay loan annual fee on our loan.
    * Annual holidays, about $10k/year.
    * Food+household items for us is about $150/week split between Coles/Woolies/Aldi.

  • ShortyX on 13/07/2017 - 15:59

    Petrol?
    Gifts/Christmas?
    Medical (dentist, optometry, etc)?
    Auto clubs (NRMA, RACQ)?

    • pandabear on 13/07/2017 - 16:17

      Petrol - now included
      Gifts - too variable
      Medical - now included
      No membership to auto clubs

      • mskeggs on 13/07/2017 - 17:53
        +1

        No debt except mortgage, well done.
        How do you get you house insurance so cheap?! Mine is more than double.

        • pandabear on 13/07/2017 - 21:17

          Well we are with Budget Direct. House is insured for $300k $1000 excess (it's an old house) and $50k contents $500 excess

  • nocure on 13/07/2017 - 16:09
    +1

    Mortgage $14,400(principal and interest)
    Council Rates $1200
    Water $1150
    Electricity $2060
    Gas $NA
    Mobile x3 $612
    Internet $828
    Foxtel $1140
    Childcare NA
    Gym membership $0
    Health Insurance $480
    House Insurance $500
    Car 1 Insurance $240
    Car 1 Registration $720
    Car 1 Servicing $120
    Car 2 Insurance $275
    Car 2 Registration $720
    Car 2 Servicing $120
    Car 3 Insurance $350
    Car 3 Registration $720
    Car 3 Servicing $120
    Public Transport $40
    Loan annual fee $0
    Total per year $25,795
    Average per month $2150

    • pandabear on 13/07/2017 - 21:29

      Wow that is really cheap car insurance and servicing costs! Where do you go?

      • nocure on 13/07/2017 - 21:30

        Coles car insurance and I do all my own services.

  • Looking4Bargians on 13/07/2017 - 16:21
    +1

    Yours is less… …mine is about $7000 per month with similar stuff..
    ours biggest is ChildCare + Mortgage = %50

    • bobbified on 13/07/2017 - 19:38

      $3500 is hectic childcare bill! That could be someone's entire monthly salary right there.

      Are the parents/in-laws not an option?
      In my mind, even if it costs the same, I (when I eventually have kids) like the thought of letting the kids grow up with some family.

      • pandabear on 13/07/2017 - 21:23
        +1

        In my personal opinion after about age 1.5-2, childcare is actually good for kids as it allows them to socialize with many kids their own age and gets them ready for school. Downside is that they will get sick often and of course the cost.

        At our daycare there are many rich families where the Mum stays home full time but still sends their kids to daycare at least 2 days per week. We don't have the luxury of being able to do that of course…

        • John Kimble on 14/07/2017 - 09:06

          It also really depends on the childcare. They need qualified educators and a proper curriculum in order to be the most beneficial. If we're paying $145 a day (which we are), I definitely want that included.

          It's been studied (and there's a lot more to it) but it has been proven to benefit them and the economy overall immensely.

          I know my daughter has learnt so much from attending Guardian ELC, from the educators and the other children (especially the older ones). She does get sick and it hurts how much it costs, but investing in her now builds a solid foundation of learning.

          A seminar Guardian put on for us (so could be biased) said dollar for dollar if you look at it purely from an economic viewpoint, spending money on education for your children before 3 years old has more impact than money spent in high school or university.

          Ie if your child doesn't develop the basic neural pathways and learning habits early, it is more likely they will underperform in primary school and beyond (compared to those that did).

          https://www.google.com.au/url?sa=t&source=web&rct=j&url=http…

      • Looking4Bargians on 14/07/2017 - 14:15

        Not lucky enough like you to have family here for kids look after. I & Wifey both work full time in City. Hard to keep up with every day increasing expenses….

  • [Deactivated] on 13/07/2017 - 16:25

    slightly off topic but why does your childcare increase by so much next year?

    • pandabear on 13/07/2017 - 16:41

      Because my youngest son will be starting 2 days per week and the older one will increase from 2 days to 3 days.

  • Donaldhump on 13/07/2017 - 16:39
    +1

    booze
    strippers
    brothel?

    • [Deactivated] on 06/09/2017 - 11:57

      Voting not allowed on comments posted more than 30 days ago

  • bobbified on 13/07/2017 - 19:27

    Coke: $300-600/week
    Yes, that's a lot of lines.. err.. bottles.

  • Ratzie on 13/07/2017 - 20:46

    no car loan repayments lemonsunrise ?

    • pandabear on 13/07/2017 - 21:18
      +3

      No we bought both our cars outright with money in our mortgage offset.

  • attackyu on 06/10/2017 - 02:14

    Couple with no kids both working full time.

    Mortgage $ 12,000 (principal and interest)
    Council Rates $ 1,700
    Water $2,040
    Electricity $1,200
    Gas NA
    Mobile $210
    Internet $720
    Foxtel NA
    Childcare NA
    Gym membership NA
    Health Insurance NA
    Medical NA
    House Insurance $450
    Car 1 Insurance NA
    Car 1 Registration $750
    Car 1 Servicing ~$500
    Petrol $600
    Public Transport $2,600
    Loan annual fee NA (Bank staff)
    Total per year $21,670
    Average per month $1,805

  • grabngo on 06/10/2017 - 07:31

    How on earth are we all going to retire !!!

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