Our One Income Family Budget (April 2018)

I really thought April would be a quieter month with our expenses, but unfortunately, our roof gained a leak which needed fixing straight away.

So here are our Real Figures.

Expenses

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

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 January’s expenses, and now we have small monthly payment for the rest of the year for internet.

Mobile Phones: £10 
– Doug and I buy our phones outright and then pay a sim only monthly deal (no contract) with a certain amount of free data and minutes/messages. It is £7.50 each package from GiffGaff, but on occasions, we may pay twice in one month depending on the day the payment falls on. This month neither of our payments came out but I did have to top up my phone due to using up all my minutes.

Credit Card (Includes Groceries and Petrol): £582.59 – This is STILL 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: £121.49 – 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: £81.25 – We like to go out and socialise or have a family treat each month and the girls really love it.

Home Improvements: £325.37 – We are going through this year trying to do as much to our house as we can as we will move house, so each month we might just have some home improvement costs.

Roofer: £200 – With the bad weather we had recently, our roof ended up with a leak, which I can safely say is fixed.

Personal Money: £103.03 – 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: £31.58 – The girls had some money in our account from easter and birthdays to use up, so we visited Toys r Us just before it closed to get some bargains.

Events: £5.25 – When it comes to birthdays and events I try not to go over the top with buying costly items.

Train Ticket: £133.80 – I went to London for a Concert and I also paid for the train tickets for my friend’s hen do in advance.

Breakdown Cover: £43.31 – Each year we will look around for the best deal for breakdown cover. This year we are renewing with the same company as it is a great price.

Passports: £7.30 – We paid for a 48-hour service delivery to make sure all our documents arrived at the passport office.

Activities: £45 – Usually this will go in the children’s items section, but I am starting a new heading for activities the girls partake in. This payment was for Mabel’s dance classes for the term.

DBS: £16.20 – Doug and I have volunteered for the Parent Committee at the preschool and with that, you need to do a DBS check.

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: £2,585.16

This leaves us with £241.91 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 April budget go?
Are you in the green or red this month?

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