Okay, it's a tricky thing to pin down our budget exactly (various different cards being used etc.), but roughly per year:
Mortgage 12720 (lower than I thought!)
Insurance (car, house, ambo) 720
Rego 800 [edited]
Childcare (1 day per week) 1300
Mobile phones 275
All other expenses (food, clothes, anything random that pops up, discretionary stuff) 15000ish
Excuse me if I've miscalculated anything...very tired here
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21-04-2016 21:18 #111
Last edited by Renn; 22-04-2016 at 19:17.
22-04-2016 09:30 #112
We COULD live on it if we had my step kids full-time. But with CS and paying half of everything, or more, on top of that, plus 100% of everything for our house and time with them... His 80 and my 40 are needed in full.
22-04-2016 09:39 #113Senior Member
- Join Date
- Aug 2008
22-04-2016 09:48 #114
My rates are $427 per quarter, so $1708 per year.
My water bill is over $400 per quarter (so $1600 - 1700ish per year) and most of that is in connection sewage fees, not useage so is out of my control.
I drive a four cylinder car and my rego is around $600 - $650 per year.
My car insurance is $500ish per year, but my house insurance is closer to $2000 per year - thanks to the floods in Qld everyone's insurance sky rocketed. I don't live in a flood prone area but am still affected by huge hikes in premiums.
My food bill *shudder*. Four kids, with three of them being teens with big appetites means my grocery bills are huge. We certainly can't get away with spending $20 on takeaway. Even if I went the cheap option and got pizza from Pizza Hut, my lot will easily polish off four pizzas which will come in around $40. Fish and Chips would be around the $40 mark depending on what we get. A whole BBQ chicken and chips from Red Rooster would be $25. If I was to splurge and get something along the lines of Indian or Thai we would spend closer to $80 from local shops.
ETA ages of kids also makes a huge difference to the basic cost of living. They definitely get more expensive when they hit the teen years and start "needing" brand name everything, eat heaps, constantly want to go out with friends and the cost of schooling rapidly increases (even for public highschools). Yes they can get a job and start paying for things themselves, but it is the gap between starting highschool and turning 15 that kid expenses definitely peak.
Last edited by SSecret Squirrel; 22-04-2016 at 10:08.
22-04-2016 10:05 #115Senior Member
- Join Date
- Aug 2014
22-04-2016 10:14 #116
I have briefly skimmed responses.
My hubby is set to earn about 80k before tax this year. He shift works so it's hard to calculate exactly. I get about $600 per fortnight from Centrelink, including my carers payment for my special needs child. We have 4 children, 6 and under. We live at my husbands work and pay $40p/w rent. No water, but pay electricity and for bottle gas.
We live quite rural so things like a bottle of milk or load or bread can't be found for under $5 each from our one shop/servo. Meat is a huge cost etc so we travel for our groceries which is at least $100 in fuel. Plus accommodation costs of we have to stay overnight (my son has his specialists in the town we go to so can be busy days). We travel fortnightly for it. Spend anywhere between $400-$600 at Coles, $250 for produce, $90 on chicken and $120 on meat. We spend more on food really than we need to, but being a few hours from shops means we need to have several weeks worth of food at any time in case we can't get out of town for whatever reason. Also up until 3 weeks ago, we had 3 in nappies still, which kills the budget a bit.
Preschool I pay $10 per child, per day. I have two kids in 3 days a week each. Our school is heavily subsidised so we don't pay anything to send my eldest.
We have a car loan at the moment but are hoping to switch cars soon to a more suitable car for the area.
We are also about to spend up big on a good quality camper trailer so that we can take holidays a lot more often. (Will also use it for accommodation when we travel for groceries).
We don't have much to save away but honestly, that's more due to us being a bit frivolous with money. We have it there to save but we spend a bit. So if we knuckled down, we could easily save $500-$750 a fortnight without much of a bump.
Last year was a lot tighter. Hubby earned $65k before tax. I got $6 per fortnight from Centrelink and we were paying off a few debts (from moving house and some leftover from when we both earned bigger money).
A few years ago, due to some crappy circumstances, I got nothing from Centrelink and hubby was getting about $700 a week after tax, but our rent was $500per week and we survived. I think it's surprising how easily you can adapt if you need to.
22-04-2016 10:44 #117
We struggle a bit. DH gets a pretty crappy weekly wage but he also gets commission at the end of each month which usually goes straight on bills. I also receive just over $800 a fortnight from centrelink which covers our rent. We don't have anything leftover for savings but we are ok with that if it means I can stay home. Also it isn't worth me going back to work having the three kids in daycare.
22-04-2016 11:12 #118
Registration in NSW is $352 for a year, up from $300 last year.
What does rego cover in other states? In nsw we still need to get ctp. Mine just cost me $561 for the year.
22-04-2016 11:27 #119
22-04-2016 11:29 #120
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