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  1. #1
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    Default What are you paying for?

    So I've been trying to find ways to cut costs in our budget (like things that are just luxurys) but I haven't been able to find anything else that I can cut back on. And it got me wondering what do other people pay for, maybe I am paying things that aren't necessary but I don't know what. I'm not sure how we made it through last year without being deeper in the hole.

    We pay for

    • Electric
    • Gas
    • Mobiles (I guess we could get cheaper phones)
    • Internet
    • Water
    • Rent
    • House insurance
    • Car insurance
    • Life insurance
    • Rego
    • Ambulance cover
    • UFS membership
    • Car loan (almost paid off thank god)
    • A small loan (almost paid off too thank god again)
    • Xmas club
    • Small amount of savings for (DS1, 2 & 3)
    • Holiday savings
    • Savings for things that could need repair. (This doesn't really work we usually end up using this)
    • Petrol
    • Groceries
    • Kinder fees (for 3year old kinder)


    I realised today that we haven't even made allowances for
    • Gifts (other than Xmas)
    • Clothes (boys keep growing)
    • Car service
    • Eating out (not often but it does happen)


    What are other people paying for?

  2. #2
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    Off the top of my head, we pay for
    - rent x2 (our house and dh's share house)
    - power
    - gas (although no longer because we dont have gas at the new place)
    - life and car insurance (combined payment)
    - small loan (almost paid off)
    - debt payments x3
    - car loan
    - rego
    - petrol
    - groceries
    - my gym membership (which i keep forgetting to cancel)
    - my phone credit (prepaid)
    - private school fees
    - kindy fees
    - take away (usually only 1 a week but lately has been a lot)
    - dd1's gymnastics fees
    - adding to our house deposit
    - dh's volleyball 2x a week
    - my nails 1x a month
    - whatever dh spends money on while he is away

    Plus then there is the bits that pop up unexpectedly and birthdays, special events etc.

  3. #3
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    Rent
    Electricity
    Internet
    Mobiles
    PHI
    Groceries
    Child care
    Toys/clothes/video games/etc
    About $10/week for public transport

    …That's all I can think of!

  4. #4
    bunkx's Avatar
    bunkx is offline Being happy doesn't mean that everything is perfect. It means that you've decided to look beyond the imperfections
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    Default What are you paying for?

    Rent
    Credit card
    Ge
    Car loan
    Contents insurance
    Car insurance
    Internet bill
    2x mobile bills

    Petrol
    Groceries

    Electricity
    Gas
    Water

    Kids school banking
    School savings fund
    Christmas & birthday savings fund
    Car rego & servicing funds

  5. #5
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    Rent
    Groceries
    1 x mobile plan
    Electricity
    2 x 6wkly hair dresser visit(one for me and one for DS)
    1 x fortnightly eyelash extensions
    Money for coke machine at work when i need that pick me up at 3am or whenever
    Cruise(only recently picked up this expense)
    Taekwando

    Will add to it when i can think of more

  6. #6
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    It seems we are about the same as everyone else, give or take a few items. I just can't find anywhere else so cut costs. I guess this is it, until I go back to work not much savings will made.

  7. #7
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    What is UFS membership? Can you shop around on phones & insurances? Often if you call your carrier with a cheaper quote they'll match or beat it.. Worth a try?

  8. #8
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    rent
    electricity
    food
    internet
    rego
    insurance
    petrol
    gas / water combo

    anything else I have to just figure out when it arrives

  9. #9
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    Mortgages x 2
    Strata
    Council x 2
    Water x 2
    Food
    Petrol
    Charity/Tithing
    Phones and Internet
    Insurances - home, car, health
    We own our car and don't have a credit card

  10. #10
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    Quote Originally Posted by bigZ View Post
    It seems we are about the same as everyone else, give or take a few items. I just can't find anywhere else so cut costs. I guess this is it, until I go back to work not much savings will made.
    When I was off work we put our mortgage repayments back to the minimum. Actually in saying that I think you wrote rent so that wont apply but maybe for other readers. We saved $150 per month doing this and put it back up when I went back to work.
    Also we looked into DH's superannuation fund and found out there is an income protection insurance in their package plus a payment in the event of death so we cancelled the seperate Income Protection Insurance we were paying for.
    Other ways to save are to plan meals and only buy what you really need for the week. Try buying in bulk and feezing meats, etc. Food is a huge part of our weekly spend so I try to cut it where I can. Once a week I do a meat free meal with rice/pasta/lentils to cut costs.

  11. The Following User Says Thank You to Redcorset For This Useful Post:

    Reina83  (19-01-2015)


 

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