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#91 of 112 Old 07-13-2008, 02:51 PM
 
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I'm in Canada, so some of it is a bit different...

Mortgage: $580 - 2 bedroom 1 bath with finished basement that has an extra bedroom. I think we paid about $450 for a year of house insurance, and $30/month for mortgage insurance, required by our bank- this also has life/critical illness insurance that would pay off our house if anything happened, but we don't have general life insurance.
Health Insurance: Mostly covered since I'm in Canada, but about $40 a month for 'extras' like $600 each massage/chiro etc, vision, and some dental.
Car Insurance: $118 for a 2005 malibu. Insurance is through government, so we have no choice
Electricity: $180. This is combined Natural Gas (hot water tank) and electricity (includes furnace) We're on a budget plan that evens it out, but we should get 100-200 back in august.
Cable: $30 - It's a bundled package of high speed internet, home phone with some features, and a decent tv package for $100 including tax.
Cellphone - $30 - only one of us has one.
Water: We get a bill every three months, but I don't think we usually pay more than about $20 per month. I'm surprised this is so cheap though. I'm known for my long showers. But I do live near a massive massive lake, and they're putting in a new treatment plant, so it should probably go up.

Oh, there's only two of us here, the house is 750 square feet, and we don't use the basement. We try to be as energy conscious as possible, but still feel our electricity/natural gas is high and are looking into getting it checked.

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#92 of 112 Old 07-13-2008, 03:11 PM
 
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Mortgage- $1600.00 (1400sq feet, 3 bedroom 1.5 bathroooms)
Health Ins-$650.00/month for me,dh,and dd.Includes dental and vision.
Car Ins-$250.00/month
Electricity-$150.00
Cable-$160.00/month
Cellphone-$160.00/month for 2 lines-we don't have a landline
Water-$50.00/month
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#93 of 112 Old 07-13-2008, 05:20 PM
 
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There's between 2 and 6 six of us here at any given time (DH and I, my two stepkids who divide their time between us and their mom, my 18 yo BIL, who's in an out as the wind blows, and DH's aunt, who, with the grace of God, will be leaving in 17 days)

We live in Detroit

Rent: 600 for a 2000 sq foot loft (a total steal. This guy has no clue what his place is worth. We moved here from a 1 bdrm, 700 sq foot place 1.5 miles away that we paid over 1k for)
Health Insurance: 266 per month, including dental and vision
Car Insurance: I don't know
Electricity: 67.00, summer. We haven't been here through a winter yet
Cable: Included in rent
Cellphone: 170 for two
Water: included in rent

Body, I've been more than patient. Please make a baby. Please?
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#94 of 112 Old 07-13-2008, 06:09 PM
 
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We live in MA (central MA, not in Boston) and our info is:

Rent $1520 + $100 (went month to month so they add an extra $100) = 960 sq ft 2 bedroom apt
Health Insurance - humm...not sure, I have DS and I on my plan - DH has his through his work)
Storage - $74
Car Insurance - Not sure - DH has his and I have a company car
Electricity - $115 on average
Cable/Internet/Phone - $125
Cellphone - DH has pay as you go which costs $15 every three months, I'm using my work one as personal too, but I need to get my own plan in case big brother is watching/listening
Water - Included in rent
Groceries - approx. $400 per month
Student Loans - for me $228 + DH is like $400
Childcare - $800 per month
Prescriptions - $35 per month

That is all I can think of off the top of my head.
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#95 of 112 Old 07-14-2008, 12:53 AM
 
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I live in Iowa.

Mortgage - $810
Health Insurance - I have no idea since it comes right out of DH's paycheck
Car Insurance - $500/year (we both have old cars and only pay to fix the other person's car. I can't remember what that's called.)
Electricity - ~$50
gas - $40-$150
Cable - we don't have cable
Internet - $50 (we're switching providers though b/c that's just insane)
House Phone - $17ish
Cellphone - $40
Water/trash/sewer/recycling - $50
Gym fees -$44 for two memberships
Parent payment (we borrowed money for our down payment from them and pay them back with interest) - $300

I think those are the only monthly expenses we have

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#96 of 112 Old 07-14-2008, 01:11 AM
 
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I live in London Ontario

Rent: 799/month inclusive
Health Insurance: 45 every 2 weeks but thats for like prescriptions and dental our hospital visits are free along with any Dr.
Car Insurance:104/month (97 ford taurus)
Electricity: n/a we are inclusive with our rent
Cable:35/month
Cellphone: n/a
Water:n/a

Loan"145/month
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#97 of 112 Old 07-14-2008, 01:39 AM
 
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Mortgage - $578
Car Insurance - $65 (one car)
Electricity - $75-100, depending on heat/a/c usage
Cable - $125 for digital basic + internet
Cellphone - $90 (two lines)
Water - $25
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#98 of 112 Old 07-14-2008, 01:50 AM
 
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Rent: Mortgage - $2600 including taxes & insurance (we live in a very high COL area -- we bought for under the average price in our area!) 2500 sq feet is our house and also DH's office
Health Insurance: $70 for a family plan
Car Insurance: I think it's about $70/mo -- comprehensive for 1 car
Electricity: We have gas and electricity billed together, I'm not sure what the monthly average will be since we just moved, in our old house it averaged about $80/mo
Cable: $130/mo (includes business-grade Internet for DH's business)
Cellphone: $80 for two cell phones; no landline
Water: $72/mo. This is the minimum amount billed by the city for any customer; if they billed based on actual usage it would cost a lot less.

Garbage service: I think it's $20/mo here for weekly garbage, recycling and yard waste service

Erin, mom to DD (1/06) and DS (10/09)
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#99 of 112 Old 07-14-2008, 02:01 AM
 
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Originally Posted by Aufilia View Post
Rent: Mortgage - $2600 including taxes & insurance (we live in a very high COL area -- we bought for under the average price in our area!) 2500 sq feet is our house and also DH's office
Health Insurance: $70 for a family plan
Car Insurance: I think it's about $70/mo -- comprehensive for 1 car
Electricity: We have gas and electricity billed together, I'm not sure what the monthly average will be since we just moved, in our old house it averaged about $80/mo
Cable: $130/mo (includes business-grade Internet for DH's business)
Cellphone: $80 for two cell phones; no landline
Water: $72/mo. This is the minimum amount billed by the city for any customer; if they billed based on actual usage it would cost a lot less.

Garbage service: I think it's $20/mo here for weekly garbage, recycling and yard waste service
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!

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#100 of 112 Old 07-14-2008, 02:12 AM
 
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Rent - (Mortgage actually) $1313, inc. taxes and ins.
Health Insurance - $200
Car Insurance - $100 for the 2 of us and 2 cars
Electricity - $200 at the moment (summer in TX) but as low as $80 in the winter
Cable - $45
Cellphone $70
Water - $30

I'm Kellie :, married to Chris , and mom to one baby girl (7/12/09).
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#101 of 112 Old 07-14-2008, 09:21 PM
 
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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.
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#102 of 112 Old 07-14-2008, 10:51 PM
 
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Wow... now I feel real good about our mortgage, but crappy bout our utilities.

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#103 of 112 Old 07-15-2008, 02:13 AM
 
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Quote:
Originally Posted by SAHDS View Post
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 :

 

 

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#104 of 112 Old 07-15-2008, 07:59 PM
 
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Originally Posted by CarrieMF View Post
Rent - Interest only HELOC, $350/month
What's a HELOC? It seems pretty cheap..
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#105 of 112 Old 07-16-2008, 02:42 AM
 
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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.

Katie, mama to one big boy (6/03) and one little boy (12/08).
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#106 of 112 Old 07-16-2008, 10:51 AM
 
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Originally Posted by MamaPyratekk View Post
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.

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#107 of 112 Old 07-16-2008, 03:03 PM
 
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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.
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#108 of 112 Old 07-16-2008, 03:18 PM
 
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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.)

It's us: DH , DS ; DD ; and me . Also there's the . And the 3 . I . Oh, and .
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#109 of 112 Old 07-16-2008, 03:32 PM
 
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Quote:
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.
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#110 of 112 Old 07-16-2008, 04:25 PM
 
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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.::
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#111 of 112 Old 07-18-2008, 08:39 AM
 
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Rent: 650 (includes all utilities)
Car Insurance: 115 for car insurance
Health Insurance: 550
Cable: 75
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#112 of 112 Old 07-21-2008, 02:00 AM
 
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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

Happily married to DH for 6 years, in process to foster-adopt 3 children DD4, DS3 and DS2. We may be bringing half brother age 9 one day as well! We are not infertile, we just have decided that since there are precious children who need homes there is no need for us to have biological children.

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