Budget Sense Check - Moving out as FTB
In a few weeks' time I'll be moving into my first home, just wanted to get a quick sense check on my numbers to make sure I'm not missing anything or overspending anywhere.
Obviously the work meal deals can be cut if needed, but I'm a lazy bastard.
| Net Income | £1,890 |
|---|---|
| Item | Cost |
| Mortgage | £457 |
| Council Tax (with SPD) | £125 |
| Electricity (No gas, all heating electric) | £130 |
| Water | £35 |
| Broadband | £26 |
| Building/Contents Insurance | £12 |
| Mobile Phone | £34 |
| Total Essential/Bills | £819 |
| Car Insurance + Tax + MOT | £62 |
| Petrol (~4000 miles annually) | £55 |
| Groceries + Toiletries | £225 |
| Haircut | £18 |
| Total Other Committed | £360 |
| Meal Deals at Work | £33 |
| Drinking Out | £82 |
| Takeaways | £18 |
| Holiday (£1200 annual, overestimate) | £100 |
| Xmas/Birthday (£540 annual) | £45 |
| Clothing (£300 annual) | £25 |
| Football Tickets (£600 annual) | £50 |
| Total Discretionary | £353 |
| Total Spend | £1,532 |
| Remaining | £358 |
Posted Jun 25, 2026, 7:48 PM UTC
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