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Moving out

spobby Avatar
5y, 11m agoPosted 5 years, 11 months ago
Found a one bedroom flat in my area for £90 a week, looks pretty good. Just wanting to know with bills and maintenance would i be able to live.

I earn around £800 a month but don't know how much bills and that sort of thing come to, any advice I'd be grateful :)
spobby Avatar
5y, 11m agoPosted 5 years, 11 months ago
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banned#1
Do you have to move?
#2
how much is your council tax a year?
#3
I'd say you would have no money left for food or living
#4
Think you'd really struggle on that budget. Nearly half your income will be on rent alone before you factor in bills, food, council tax,etc. You could pay for the flat and the rest, but you'd probably have no money left to do anything else. Just stay at home like me :)
#5
I don't have to move, but i'd like to, a breakdown on what everything else would cost might be helpful.
banned#6
For bills and food add another £200-250 per month onto that depending on how well you want to eat.
Don't know about maintenance, the landlord should deal with that.
#7
Its probably best if you write down everything you think it will cost you to live per month plus also how much is the deposit for the flat
#8
Well check put how much council tax is for a start. You will get a 25% discount however I'd still say about 70-80 a month.
#9
Well i've just started saving £500 every month ( starting last pay check)
#10
spobby
I don't have to move, but i'd like to, a breakdown on what everything else would cost might be helpful.


Depends on how you would live? Would you have the heating on a lot? Would you buy luxury items at the shops? As asked above, what is your council tax going to be? No one on here could break down exactly what you would spend.
#11
Council Tax - You'll get single person allowance
TV License - £140 a year(?) I think?
Gas - £20 a month
Electricity - £20-£25 a month
Food - £90 a month
Luxuries
Phone - £10 a month
Broadband - £5-£10 a month
Sky - £20 a month
Contents Insurance - £5-£10 a month

Then add on any outgoings you already have like mobile phone, car finance/loan etc
#12
i used to live on that amount of money and get by... albeit i was living with other people and splitting bills/council tax with them. also my rent worked out a lot less than yours (i was paying £190 a month).

i think you could manage it.. but you would have to be pretty frivolous... but then again i had to keep a car running..

you need to consider how much you'll have to spend on initially moving in etc.. deposits, will you need to buy any furniture?

£800 isn't a lot of money by any means but if you can manage your money well i think you could manage it...
#13
Hmm well I have basic needs, I don't spend much at all, hardly buy clothes etc. Have tv , pc etc already that i'd take with me. Just stuff like water, electricity, gas, and council tax I'd need a rough idea on. Im not fussed about the heating to much, I've got used to having broken heating etc.
#14
I don't own/drive a car, the main outgoing I have is monthly bus which is £40, phone bill is £15.
#15
what about deposit for the flat?
#16
spobby
Hmm well I have basic needs, I don't spend much at all, hardly buy clothes etc. Have tv , pc etc already that i'd take with me. Just stuff like water, electricity, gas, and council tax I'd need a rough idea on. Im not fussed about the heating to much, I've got used to having broken heating etc.


can vary greatly depending on supplier and tariff.. i lived in a flat about 6 months ago which was on an economy 7 pre pay meter. between me and my flatmate we were sticking £20 in it on pretty much a weekly basis. when it came to winter we just decided to freeze because the heating just ate the money.

it's well worth trying to find out what kind of meters are already installed in the property and whether its electric only or electric and gas..
#17
and expect to pay £20 a month for water too..
#18
This is the place

Well i'm considering to save a lot before I do, worst comes to worse I could come home..

Thanks for the advice, your helping me out, as I'm completely clueless!
#19
spobby
This is the place

Well i'm considering to save a lot before I do, worst comes to worse I could come home..

Thanks for the advice, your helping me out, as I'm completely clueless!


Having about 2k in your bank account to act as a bit of a buffer incase you get a massive bill or just generally have an expensive month is definitley the best thing to do in my opinion. you'll see that 2k fluctuate up and down.. might even see it go completely! but its certainly saved my bacon a few times. now its a few years on and i have a better paid job. still living on the same outgoings and i'm able to save money :-)
#20
lovely looking flat by the way! good price for that too!!! hope that's a genuine ad btw and not one of these gumtree scams..
suspended#21
I would recommend staying at your parents for another 6 months if you are in no rush to move out..

Save up your £500 for 6 months giving you £3000.

Once you've got that then move out and it will be a hell of a lot easier for you.

£400 a month rent would already be paid for nearly 8 months.
#22
baconsandwich
lovely looking flat by the way! good price for that too!!! hope that's a genuine ad btw and not one of these gumtree scams..


How can i tell? Thats why i don't wanna wait around in a way.
#23
Very good starter flat but would agree with Starr also look at sharing with a mate as the bills can be cheaper.
#24
spobby
baconsandwich
lovely looking flat by the way! good price for that too!!! hope that's a genuine ad btw and not one of these gumtree scams..


How can i tell? Thats why i don't wanna wait around in a way.


Message the seller with an enquiry about making a viewing.. if they say they're in america or something and you just need to wire X amount of cash to them western union to pay the rent then you know it's dodgy lol

Should be obvious from their reply.
#25
Well I might be able to convice someone to kip on the couch , except I'd lose the 25% discount!
#26
I don't really know the going rate for flats in your area but it looks like a massive scam to me at that price!!
#27
spobby
This is the placeWell i'm considering to save a lot before I do, worst comes to worse I could come home..Thanks for the advice, your helping me out, as I'm completely clueless!

Nice flat and looks like reasonable rent too!
banned#28
That's a lovely flat, take it.
I lived in Edinburgh on £800 quid a month in a £400 a month flat that was a hole compared to that one.
You won't be rich but you'll enjoy your freedom and I assume the £800 a month will go up eventually?
#29
Yeah , well thats based on 37.5 hours a week ( after tax) and I can pick up more hours.
#30
Have you found out if there is a maintenance charge to pay mine was about £1000 a year but that included lifts and concierge.
#31
hippyharry

Luxuries
Contents Insurance - £5-£10 a month


Wow... People consider contents insurance a luxury?!

I would consider it a must have personally in this day and age.
#32
Just waiting a reply from the member, don't expect to get one tonight, considering the time.
suspended#33
That does look like a great price for that flat. Studio flats go for around £650 in my area and they are awful.
#34
My mate is even interested in joining a kipping on the sofa, things might be a bit more doable.!
1 Like #35
spobby
My mate is even interested in joining a kipping on the sofa, things might be a bit more doable.!


that might work for about a week lol, kipping on a sofa is for the odd night if you gotta crash at a place. If I was paying money to chip in also Id want at least a bed to sleep in lol.
banned#36
numptyj
spobby
My mate is even interested in joining a kipping on the sofa, things might be a bit more doable.!
that might work for about a week lol, kipping on a sofa is for the odd night if you gotta crash at a place. If I was paying money to chip in also Id want at least a bed to sleep in lol.

Are you going to get a flash bachelor pad for the new year numpty?
#37
You've lost me, perhaps inviting my GF in on it might be a better option
#38
DLM
numptyj
spobby
My mate is even interested in joining a kipping on the sofa, things might be a bit more doable.!
that might work for about a week lol, kipping on a sofa is for the odd night if you gotta crash at a place. If I was paying money to chip in also Id want at least a bed to sleep in lol.


Are you going to get a flash bachelor pad for the new year numpty?


who knows, currently just saving up as much as I can for whatevers around the corner.

I had a taste of the 'high' life today though, was in a relatives flat that looked out onto the river thames, really nice modern place
#39
spobby
You've lost me, perhaps inviting my GF in on it might be a better option


as others have said make sure you have a fall back amount of money. GF might be a good idea but obvs in case it doesnt work as you never know whats gonna happen etc then you have the money to cover costs for a few months etc
suspended#40
Also remember phone and broadband contract likely to be 18 month contracts. Small worry but if the flat is only for 12 months you will have to pay an early termination fee which will prob be around £100-£150.

How long you been with the GF? Might be an idea to get her involved, looks like a nice affordable love nest.

Edited By: Starr on Dec 28, 2010 00:20

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