Your bills. - Page 6

[CarrieMF]

Rent - Interest only HELOC, $350/month

Health Insurance - $70/month for 5 of us

Car Insurance - $170/month for 2 newer vehicles & dh's quad

Electricity - $175/month(budget plan) We also have gas of $120/month(budget plan)

Cable - $58/month, no digital or HD channels

Cellphone - $10/month IF I put money onto it. it's a pay as you go. Our landline is $79/month including our internet

Water - $80-$90 every 2 months.

[OceansEve]

Wow... now I feel real good about our mortgage, but crappy bout our utilities.

[TiredX2]

Originally Posted by SAHDS

Those are our bills, almost exactly, and I realize why - you're in Bellevue. I'm in Gig Harbor. I noticed the pp from the Seattle area was close in numbers also. I swear, this area is crazy!

That's funny because when I saw Aufilia's #s I was like, "Oh there are some reasonable (meaning, like mine) ones" :

I didn't know that $72 was the minimum billing for water. I wonder if that is true in my district. Since I figured out ours was $72 that would make sense, but it also makes me wonder how much more I could use and still be under the minimum billing :

[Pinoikoi]

Originally Posted by CarrieMF

Rent - Interest only HELOC, $350/month

What's a HELOC? It seems pretty cheap..

[kijip]

No rent, we have a mortgage that is about 25% of our income including taxes, insurance and repair savings. High COL area...our townhouse was $300K but we owe a lot less than that.

Health Insurance- my husband and son are 100% paid by my husband's employer for medical and dental. We pay about $220 to add me, but the coverage is FANTASTIC ($15 co-pays, $5-20 scripts, nearly everything covered).

Car Insurance $500+ every 6 months. We live in a sort of iffy neighborhood and have had a hit and run on our parked car ($2000 in damage) which raised this up a bit from $425 every 6 months. It is comprehensive insurance, which I like having even though we own the car outright. It's a 2005 Camry and I want it to stay in good body condition.

Electricity- $40-60 a month, this includes heat. The house is all electric, no gas. In the winter it got up to $100 a month. It is billed every other month.

Cable- zilch. less than $10 for Netflix

Cellphone- $110 a month for internet enabled phones and our home number through t-mobile. this is a splurge.

Water (plus sewer and garbage) is $40-55 a month, billed every other month. We use a tiny amount of water, but the sewage fees are high here, and we pay extra for curbside composting/yard waste since our yard is too small to do it/use it here.

Internet- $41 a month for high speed. We should try to lower this.

This is for a family of 3, living in an urban townhouse with about 1450 sf. Our only other monthly bills are voluntary contributions (we belong to a community foundation, we give regularly to a couple of other things as well). No debt other than that mortgage.

[Llyra]

Originally Posted by MamaPyratekk

For those who don't mind posting their numbers here, could you help me out by telling me how much you pay for the bills I'm going to list? I know that different areas are different and some things are subjective (such as rent would be lower on a smaller house), but I'm just curious as to what others are paying for these things. Feel free to give me any other details if you want that might make the bills amount seem more or less reasonable; such as the size of your house, how many people are on your insurance, what kind of water you use, the car you have, etc etc.

Rent
Health Insurance
Car Insurance
Electricity
Cable
Cellphone
Water


Thanks!!

Rent $1350/month
Health Insurance $0 (We have it, but it's all covered by DH's employer, so the costs are hidden to us.)
Car Insurance roughly $400/year, only liability, no other insurance.
Electricity $110/month
Cable I don't have; we don't have a TV.
Cellphone I don't have service on mine, just the ability to call 911 which is free.
Water I don't pay for; it and the heat and hot water are included in my rent.

I do pay for high-speed Internet, $45 a month, and home phone service $45 a month. Also I have renter's insurance, for which I pay about $200 a year.

There are five of us. Dh's job is union work, so we have all kinds of benefits that we don't directly pay for, like life insurance and health and dental and vision. We live in NJ, so car insurance costs are astronomical here. Our electric bill is high because we buy wind and water power, and because we run grow-lites for most of the year to start seeds indoors.

We only have one car.

[Sonnenwende]

I live in the Rust Belt Midwest.

Rent - $739 (946sqf 2bd/2ba w/lakeview)

Electric - $50-$70 (I also buy renewable energy credits. Best I can do out here in coal burning land.)

Water/Sewer - $12

Internet/Cable - $60 (no way to get this lower, Comcast is my only choice. If I cut out the cable, my internet is STILL $60!!)

Health insurance - $176 (Family coverage, HSA w/4k deductible. $230 employer contribution to HSA every month.)

Auto insurance- $300 (Biannually. Husband had no US driving experience or license at the time of renewal. Two cars at 50/100 liability only with uninsured/underinsured optional coverage. Will probably only be one car at renewal. One uninsured driver incident. Uncertain what the next renewal will be.)

Renter's insurance - $176 (Annually. 20k. No flood rider, but includes windstorm, tornado, etc. I should think about asking how much that would be.)

Cell phone - Not a fixed expense. About $25-$30 a month.

[VisionaryMom]

Mortgage - $933 (inc. taxes and insurance)
Health Insurance - $550/month pre-tax
Car Insurance - $50/month
Electricity - $75-100/month
Cable - $33/month
Cellphone - $0
Water - $23-ish (sewer's about $15 extra.)

[CarrieMF]

What's a HELOC? It seems pretty cheap..

Home Equity Line Of Credit. We got it last august & it paid our mortgage off. It is at $90,000 right now, interest rate of 5%. The interest is about $350/month right now which is all we technically have to pay. We are putting $1250/month onto it though. Other than the HELOC we only have the 2 cc's. We got the HELOC because we're fixing this place up & selling it in the spring. We live in an area where it's still booming. the housing market has settled a bit, as in the expensive houses have dropped about $40,000 which just makes them back at the prices they were a year ago.lol The market we'll sell ours for hasn't dropped becuase it's what people can actually afford.

[barose]

Rent $2300
Health Insurance $500 for DP, my part (group insurance is) $100
Car Insurance $200 for both cars
Electricity $180Cable $75? Including internet and phone (my line)
Cellphone $90 Average for both phones.
Water dont remember but its going to be going up because of the droght

Is doesnt include all of our other expenses, food, gas, out of pocket medical expenses, etc. We have no credit card debt though.

Out total is about $6K+/mo. That will be cut down when we move out of state.::

[shepav]

Rent: 650 (includes all utilities)
Car Insurance: 115 for car insurance
Health Insurance: 550
Cable: 75

[nicolelynn]

In So CA desert...not as high cost of living as the coastal cities but way higher than the midwest:

Mortgage $1,700 (includes impound acct for property taxes)
Homeowner's insurance $40
Health and Dental Insurance $100, mine $150 dhs (both through our employers)
Car Insurance - $80
Electricity: as low as $40 in winter and high as $300 in summer
Propane: $300 per fill, lasts 3 months so $100/mo (we paid $20/mo for natural gas at our apartment in the area)
Cable TV/internt: $80
Cellphone $80
Water $20