BILLS..BILLS..BILLS!!!

Subject: Re: BILLS..BILLS..BILLS!!! Fri 11 Jan 2008, 11:29 pm

Wow I am so glad I have budget billing with the electric I pay a flat rate all year long .. this is our anniversity month I have 65 dollars credit for next Month and did not owe a bill in Jan..

I paid our property taxes today .. that was enought to make me feel sick again.

Mary . my good ness that a huge dental bill.
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Gayla

"They take great pride in making their dinner cost much; I take my pride in making my dinner cost so little."

---Henry David Thoreau (1817-1862)

Subject: Re: BILLS..BILLS..BILLS!!! Sat 12 Jan 2008, 5:28 am

Oh my goodness gracious...
I am actually in shock right now.

If Todd and I had a $3,000+ bill, I dont know what we'd do!
If we had an electric bill of $320/month, I would go spastic.
That is nearly the amount of our mortgage on the new house!

I have been complaining about our $135 electric bill here in the new house. I am used to it being no more than $50 in the Akron house. However, we had gas heat in the Akron house. This one, we have propane, and just need to worry about filling it up in the next month or so (which will cost about $600). Alot more appliances at this house are electric, actually everything is. So, Todd and I have been putting in the energy saving bulbs all over the house, he bought a propane conversion kit for the dryer (right now, we are using my old dryer which is electric), and we have an 80 gallon hot water tank. We know this is sucking alot of the electricity. So, we've decided to go with a smaller (40 gallon) propane hot water tank. We havent bought it yet - that is on our shopping list for next week or 2 weeks from now.

I dont know what we'd do if we didnt have the option to switch some of our appliances over to propane. We last filled up our propane tank last February when we bought the house - it cost $600.00. We are going to have to "fill 'er up" within the next month or so. That would have been a $50/month gas bill. Next year, we know we will most likely have to fill it up twice, and we are fine with that. It's already in the budget. :-)

~M
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"It is not how much money you make - it is how you spend it."

Subject: Re: BILLS..BILLS..BILLS!!! Sat 12 Jan 2008, 5:33 am

Actually, I was wondering, what everyone's bills are like.
Just as a comparison from around the states and Australia.

Phone bill + DSL : $70.00/month (no long distance)
(Phone+DSL in Akron was only $45/month!)
Cell phones (3 of them) : $100.00/month (we are getting rid of as soon as our contract is up in May)
Electric at new house: $135/month
Propane at new house: ~$50/month - $100/month
Electric at Akron house: $20/month
Heat at Akron house: $56/month (on a vacant house!)
Water: Well water - $0
Trash pickup: $25/month
Dish : $45/month (I could do without - Todd cannot)

I didnt even think of putting the house payments on here and insurance.
So, this is my addition:

New House mortgage : $431/month for a 20 year mortgage
New House Taxes: $100/month
New House Insurance: $35/month (we have a high deductible. I am going to lower the deductible to $1,000 instead of $5,000, so the payment would be $560/year instead of $400).
Akron House: $575 (includes property taxes, insurance, and everything)
Todd's Van: $172/month 5 year loan
My car: $250/month 4 year loan
Car Insurance: $350/6 months

Todd's credit card (3.99% interest for life): $289/month
My credit card (4.99% interest for life): $250/month

How depressing... affraid

~M
_________________
"It is not how much money you make - it is how you spend it."

Subject: Re: BILLS..BILLS..BILLS!!! Sat 12 Jan 2008, 6:47 am

cable and internet - $114.00
phone - $51.00
cell phone-$200.00 (for 4)
house payment - $1600.00
electric - $300.00
van - $300.00
Truck - $500.00
kids insurance-$54.00
our insurance - can't remember
vehicle insurance - $386.00 month
college - $311.00 month
credit cards - can't remember all off hand but in process of paying off and canceling them
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Vicki

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Moderator Age : 28 Joined : 12 Oct 2006 Posts : 2020

Oh my heavens...I'm about falling over looking at your Bills Vicki!!! WOW!

Ok...mine are
house pymt: $750 a month
no tv
DSL: $50 ( but get reimbersed by the kids school 2c a year, not the full amount...but some)
local phone: $25/ month
cell: $50/ month....we are getting rid of this SOON!
electric: $120/month (about)
no car pymt
insurance comes out of Rob's check..probly about $30/month
heat with coal&wood about $1,200 /year
house ins. :about $500/year
car ins...not sure
CC: about $100 a month...done SOON!

we live pretty simply I think Smile

we have about $5,000 into Ty's mouh allready! all from last year! Part of his developmental issues is that he never developed enamel on his teeth!!

Subject: Re: BILLS..BILLS..BILLS!!! Sat 12 Jan 2008, 7:49 pm

Hi hear you Kim and M - it is very depressing. I hate our bills. We pay so much for our house and it is actually cheap for around here!! A majority of the people around here have house payments in excess of $2500.00 a month. Our house isn't massive either or new or lot of land. I just don't get it!!
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Vicki

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Moderator Age : 28 Joined : 12 Oct 2006 Posts : 2020

I have heard the the price of living in MD is really high! Rob's friend at work talks about his friend that lives in MD and that his bills are out of this world!

Subject: Re: BILLS..BILLS..BILLS!!! Sun 13 Jan 2008, 5:32 pm

Some of our bills are paid monthly, others quarterly and a few annually (insurances). I've tried to approximately equate them to monthly amounts so here goes:

cable, t.v. and internet - $160 (approx), was $125 until DH got a laptop
phone - $25 (runs through computer cable connection & has been saving us $50 per month)
cell phone-$80 (for 3)
house mortgage - $1200 approx (we now pay $550 per fortnight after interest rate rise)
electric - $200 (although it's usually $150 or so)
rates - $150 (approx), this includes water and rubbish collection.
vehicle insurance - $80 for 2 (approx)
vehicle registration - $95 for 2 (approx)
home & contents insurance - $45 (approx)
life insurance - $50 for 2 (approx)
credit card - varies because we only use it if absolutely necessary and always clear it each month so we have NEVER incurred interest charges (phew).

None of this includes petrol/gas expenses or food which are regular monthly expenses also, obviously!
We have no car payments as we bought both vehichles outright without finance deals.
We no longer pay school fees (that was painful).
We do have 2 current credit agreements running which should be cleared within a few months, so I didn't include them as I don't consider them ongoing (both are interest free Rolling Eyes

) although I pay $300 monthly against one to clear it within the 12 month interest free period. OUCH! I'll be glad to see the back of that one.

I hope I haven't forgotten anything.
This has been a good exercise, I should actually sit down and go through our filing cabinet and calculate every monthly expense accurately, work out what we should have left and find out where the 'holes' are!
Isn't that called a BUDGET? Laughing

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~ LESS IS MORE ~

Moderator Age : 28 Joined : 12 Oct 2006 Posts : 2020

LOL, Skin...I think it is called a budget!! I should do that too!

Subject: Re: BILLS..BILLS..BILLS!!! Tue 15 Jan 2008, 3:01 pm

Ok , I'll give this a try:

Water: $30.00 for 3 months
Electric: averages around $45.00 per month, but DH has been running the computer programs non-stop so it was $70.00 this month.
Gas: varies during the year from about $25 per month in warm months to about $300.00 per month in winter
Car Insurance for two cars $535.00 for 6 months
House Insurance: about $250.00 per year
Health Insurance: Mine is paid for at work, DH pays about 20% per month which is deducted from his paycheck so I have no idea what it is.
City, County and School taxes: combined total of about $1900.00 per year
Credit Cards: are paid in full every month
Cable/DSL: DH pays this but I think it's about $140.00 per month
Phone: about $20.00 per month
Cell phone: $30.00 every 3 months for two phones
Groceries: average about $50.00 per week

DH has put himself on a budget - FINALLY. We, also, have to make an appointment to get into an insurance reduction class for the cars. We can save $200.00 a year for the next 3 years by taking this class.

Subject: Re: BILLS..BILLS..BILLS!!! Tue 15 Jan 2008, 3:29 pm

OK here goes.
Mortgage (included home insurances, taxes, garbage) $1023.00
Phone (home + 2 cells bundled) $110.00
Gas and electric(one bill) $70 in summer(electric AC) $180 winter(gas heat)
Water $36/3 months
Sanitary $36/3 months
Credit Card paid off each month
My student loan $100
Dh student loan $100
Car Insurance (2 vehicles) $380/6 months
No internet
No cable/satellite
Groceries $0-$20/week
Gas probably $250 (yikes)
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Subject: Re: BILLS..BILLS..BILLS!!! Tue 15 Jan 2008, 9:49 pm

Wow escarcha...can you do my grocery shopping pretty please? I don't know if I could ever come that close, although I realize there are 3 adults here to feed...well it seems more like 4 because DS eats enough for 2 on his own!!! lol
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~ LESS IS MORE ~

Subject: Re: BILLS..BILLS..BILLS!!! Tue 15 Jan 2008, 10:01 pm

Escarcha --- how do you do your grocery shopping
_________________
Gayla

"They take great pride in making their dinner cost much; I take my pride in making my dinner cost so little."

---Henry David Thoreau (1817-1862)

Subject: Re: BILLS..BILLS..BILLS!!! Tue 15 Jan 2008, 10:06 pm

I want to know also!! Share please
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Vicki

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Moderator Age : 28 Joined : 12 Oct 2006 Posts : 2020

I want to know too!!! Smile