Our One Income Family Budget (February 2018)

February has been an okay month but I do still think we can get the expense total down quite a bit. This month seems to be such a busy one each year due to how many birthdays fall in it and of course, I have tried my best with the savings for Martha’s 2nd Birthday.

So here are our Real Figures.


Mortgage: £755 – We have been paying this amount for many years and is something that is very manageable for us.

Council Tax: £171 – This figure changes slightly each year and is something we have to pay based on the size of home we live in. There are some households that are overpaying on their council tax so make sure, like we have, that you are in the correct bracket.

Water: £31 – Our water bill comes out every month and last year we were in credit so a deal was made to reduce the monthly direct debits. Of course, this figure could go back up if we start using more water.

Gas/Electric: £73 – We have switched a few times with different providers of our gas and electric to make sure we are getting the best deal for the amount we are using. The last company we used kept us on a low monthly payment which ended up seeing us in debt at the end of the year and having to pay a large lump sum.

Internet/Phone: £14.99 – This year we have paid our phone bill in one lump sum which you can check out from the previous month expenses, and now we have small monthly payment for the rest of the year for internet.

Credit Card (Includes Groceries and Petrol): £647.29 – This is incredibly high and has been something I have been working on to decrease each month. It primarily includes groceries and petrol, but the odd payment from B & Q or Wickes can find itself on here. I must add that we pay this off in FULL every month.

Extra Groceries: £82.89 – Sometimes during the month we find ourselves having to nip out for some extra groceries that we may have run out of.

Eating/Drinking Out: £156.80 – We like to go out and socialise or have a family treat each month and the girls really love it. This month we had Doug and Martha’s birthdays so of course, we treated ourselves to a lunch out.

Home Improvements: £117.59 – We are going through this year trying to do as much to our house as we can as we still don’t know if we will move house, so each month we might just have some home improvement costs.

Personal Money: £101.49 – Doug and I have an allowance each month so we have a little bit of freedom to buy some things we need or want for ourselves.

Children’s Items: £83.59 – We renewed Mabel’s Rugbytots sessions which she just loves to do and also bought a My Size potty to try and get both the girl’s toilet trained.

Events: £63.72 – When it comes to birthdays and events I try not to go over the top with buying costly items. This month we had quite a few family birthdays including Marthas 2nd Birthday and Doug’s on the same day.

Train Ticket: £7.20 – Towards the end of the month Doug’s bike broke and so it meant that he had to get the tube in London. This is an added cost on top of the season ticket we pay each year.

Medical/Dentist £30.10 – NHS Dentist Fees have gone up and so this cost was a routine check-up for Doug.

Account Fee: £5 – This is our banks account fee that we pay every month, but like most things, we constantly look at other companies to see whether we are getting the best deal. 

Total: £2,340.66

This leaves us with £499.07 when we take it away from what we had coming in from Doug’s Wage, Child Tax Credits and Extras. This means we have some money to save and put towards Doug’s season ticket and other yearly expenses that crop up.

See you again next month.

How did your February budget go?
Are you in the green or red this month?


  1. March 19, 2018 / 1:46 pm

    I find this a really interesting read as I’ve been trying to reduce some of our costs. Thanks for sharing and linking up with #TwinklyTuesday, hope to see you link up again soon.

    • March 19, 2018 / 2:52 pm

      Thank You. Every month it is a battle to reduce costs and we just had the council tax letter through with how much it is going up for the next year. We just need to stay in the green. 🙂 x

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