Any single people how much do you have left after rent?

25
Posted 2nd Nov
So I have lived with my mother and I didn't want to be the sad guy still doing that but she got depressed 2 years ago and I've had to be there literally I got told I couldn't move as I had to be there since I have worried and thought not to move incase it happens again but I know now she's been good for ages and infact she is treating me like crap and it's depressing me.

So I just want to start a life finally but I don't get how it works the simple question I have in my head is how much on average do you have left after paying for your rent and bills.
Is that from say ESA, Universal credit or what type of wage.

As I need to try and be prepared for the change.

I will try and work it out using online tools etc but just thought I would ask quickly and see how people manage and how it is.
Community Updates
Ask
Top comments
It's not really about what you have left but what are your costs.

Rent: Totally department on area
Council tax: £75-£110 (includes 25% single discount)
Gas and Electric: Monthly average over year about £50
Water: Around £30
Broadband: Around £30
TV licence: about £13
Contents insurance: around £8

So probably best budget for about £250 for bills plus rent.

A cheaper option might be a room in a shared house.
It's a struggle.
I am a single person and recently bought my own 1 bedroom house as my mortgage is the same as what my rent was in a private let 1 bedroom flat.
Bearing in mind I have to pay stuff like buildings ins as I now own.
Here's a break down of my bills and I earn £1500 a month.

Monthly
Mortgage - £400
Council Tax - £100
Elec - £90
Virgin - £31
Netflix - £10
Vodafone/Spotify - £20
Black Horse/Car Finance - £126
Car Tax - £2.50 - £30 year
Car Ins - £82 - £1000 year
Car Breakdown - £9
Car Fuel - £120
PSL (Car) - £9
Annual
Buildings + Contents Ins AA - £8.3 - £100 year
Life Ins AA/Legal & General - £5.83 - £70 year
Overall it comes to roughly £1200 a month.

Bearing in mind I have took everything to the nearest pound/figure and had to project a couple things for next year like car insurance based on last year.
I have around £300 a month left for food/toileries and stuff I want.

I would consider sharing with someone if you can because it's very depressing when you don't have enough to get by or be able to buy things you'd like for yourself.

All it would literally take is car expense/house repair etc for me to be screwed.
And always if you can manage even put £10 or a token amount a week away in a savings account or something for these things.
Edited by: "Cloeeez" 2nd Nov
Hi GasGaGlide. I hope you are well.

Sadly, your question is not an easy one to answer. There are simply too many variables at work. People are obviously paid at different levels, have different properties with differing rent levels and of course have greatly varied lifestyles. These will all alter any end result.

You can only work it out based on your own situation. How much you can afford in rent, how much it will cost you to live (bills/food etc.) and this all comes from what your level of income is. Also, everything is 'fluid' so you need to calculate a buffer - i.e. when you might use more utilities in a particular month or spend more on fuel or food. Don't calculate things "to the pound" as it rarely works out that way!

All I can say is, independence is fantastic but I'm sure a lot of people will agree - "you're never as well off as you were when you lived at home." Of course, I know there are exceptions to that but you know what I mean. It's also an added difficulty when you have someone who perhaps relies on you; as you do/did; but everyone feels the urge to leave the nest, don't they?

On a simplistic level, just sit down with pen, paper and a coffee and jot down things like what you think your expenses would be.

Rent
Bills (water/gas/electricity/phone etc.)
Insurance
Council tax
Food
Petrol (and tax/insurance) if you have a car
Transport (if you don't)
CC payments (If you have any outstanding debts)
Any other 'regular' payments you may have to make - i.e. subscription services

It can be very easy to quickly see in what position you would find yourself in at the end of the month. Warning: It can be a bitter pill to swallow! Don't cut your own throat by reducing things down to an unrealistic level to make your financial situation appear better than it is. Always remember to consider the "around the corner" scenario which is where your 'buffer' comes in.

Most importantly, don't get down or discouraged. When all is said and done, I know I'm just speculating but I'm confident your Mum loves you and vice versa. There's nothing sad about still being at home if that's how your particular situation panned out. No-one has the right to judge. I moved out in my 20's but I can tell you now, if I knew how things would/can be I may have stayed a bit longer. Sometimes, I even think what it would be like if I went back! I do know that I'd be welcome back at a moment's notice though and I dearly hope the same could be said for you too. It's a life-changing decision but you already know that...

Good luck with your decision/future, GGG. I wish you all the best.

Regards, Phsy.
25 Comments
It's not really about what you have left but what are your costs.

Rent: Totally department on area
Council tax: £75-£110 (includes 25% single discount)
Gas and Electric: Monthly average over year about £50
Water: Around £30
Broadband: Around £30
TV licence: about £13
Contents insurance: around £8

So probably best budget for about £250 for bills plus rent.

A cheaper option might be a room in a shared house.
Not got a friend you could share a house or flat with?
If you are thinking of moving, make a start by having an emergency pot of savings.

If you are living with someone who is ill, as they still have a form of illness if you are being abused / they are treating you badly.... please do not tell them your plans. You might find yourself stuck for longer, abusive people can be manipulating.

If you are not working look at your local councils website to see if you can get help with rent.

Move as quick as you can and start living.
I’m going to assume you are young, in which case I would definitely recommend a house share in a city.

Get that experience of being independent, a chance to socialise with others (some of which are in a similar boat) and develop a social life. It will do you a ton of good and develop you as a person. It depends on your area, but for example I’ve seen shared houses in cities for £350 inclusive of bills (mainly in student areas which isn’t necessarily a bad thing).

Secondly it doesn’t sound like you are in a good place mentally. Exercise - join a gym or something. Physical health will help with mental health. Go out and socialise, find some clubs in your area. If sports are not your thing there are other options.

I have suggested shared housing as you are worried about bills - I’m also assuming financially you may not be in a great position. Renting overall is throwing money away, renting on your own can be a nightmare. Go for a mortgage, get on the property ladder ASAP.

Not in the position to jump straight to buying? Keep your costs to a minimum. At least with a shared house you can save up, develop some life skills and who knows - maybe in the mean time meet somebody.

Moving out can be daunting and is a difficult choice, we’ve all been there. Any regrets? Absolutely not.
"TV licence: about £13"


You don't need to pay this, unless you watch live tv like, bbc, itv, or watch iplayer. If you only watch non live content on services like youtube or netflix etc then you can cancel your tv license. Details on how to do this properly can be found on Martin Lewis money saving expert site.
My take home pay is a grand a month. I lived with my mum, too. Saved a deposit for a terraced house, and lived on £250/month, all the rest went on getting the mortgage paid.
Hi GasGaGlide. I hope you are well.

Sadly, your question is not an easy one to answer. There are simply too many variables at work. People are obviously paid at different levels, have different properties with differing rent levels and of course have greatly varied lifestyles. These will all alter any end result.

You can only work it out based on your own situation. How much you can afford in rent, how much it will cost you to live (bills/food etc.) and this all comes from what your level of income is. Also, everything is 'fluid' so you need to calculate a buffer - i.e. when you might use more utilities in a particular month or spend more on fuel or food. Don't calculate things "to the pound" as it rarely works out that way!

All I can say is, independence is fantastic but I'm sure a lot of people will agree - "you're never as well off as you were when you lived at home." Of course, I know there are exceptions to that but you know what I mean. It's also an added difficulty when you have someone who perhaps relies on you; as you do/did; but everyone feels the urge to leave the nest, don't they?

On a simplistic level, just sit down with pen, paper and a coffee and jot down things like what you think your expenses would be.

Rent
Bills (water/gas/electricity/phone etc.)
Insurance
Council tax
Food
Petrol (and tax/insurance) if you have a car
Transport (if you don't)
CC payments (If you have any outstanding debts)
Any other 'regular' payments you may have to make - i.e. subscription services

It can be very easy to quickly see in what position you would find yourself in at the end of the month. Warning: It can be a bitter pill to swallow! Don't cut your own throat by reducing things down to an unrealistic level to make your financial situation appear better than it is. Always remember to consider the "around the corner" scenario which is where your 'buffer' comes in.

Most importantly, don't get down or discouraged. When all is said and done, I know I'm just speculating but I'm confident your Mum loves you and vice versa. There's nothing sad about still being at home if that's how your particular situation panned out. No-one has the right to judge. I moved out in my 20's but I can tell you now, if I knew how things would/can be I may have stayed a bit longer. Sometimes, I even think what it would be like if I went back! I do know that I'd be welcome back at a moment's notice though and I dearly hope the same could be said for you too. It's a life-changing decision but you already know that...

Good luck with your decision/future, GGG. I wish you all the best.

Regards, Phsy.
Look for local youth charities, they'll be able to give advice. I was in trouble with the police when I was young. I was put in touch with the salvation army, who moved me to a hostel, helped me find a job and give my life structure (though not in and way religious). The best thing that happened to me. I stayed for 18 months, got my own flat and my life turned around.
Try the various youth charities for advice. And good luck.
Shine60002/11/2019 11:07

My take home pay is a grand a month. I lived with my mum, too. Saved a …My take home pay is a grand a month. I lived with my mum, too. Saved a deposit for a terraced house, and lived on £250/month, all the rest went on getting the mortgage paid.


That’s good going, I couldn’t live on 250, I blow at least 150 on a night out and go out most weeks at least once if not two nights..
First off look at what property prices are like in your area and council tax, you don’t want to spend more than a 3rd of your take home pay on rent, as there are other bills. Also if your not working stay with your mother getting a place and expecting to pay for it on benefits is costing the rest of us money....
It's a struggle.
I am a single person and recently bought my own 1 bedroom house as my mortgage is the same as what my rent was in a private let 1 bedroom flat.
Bearing in mind I have to pay stuff like buildings ins as I now own.
Here's a break down of my bills and I earn £1500 a month.

Monthly
Mortgage - £400
Council Tax - £100
Elec - £90
Virgin - £31
Netflix - £10
Vodafone/Spotify - £20
Black Horse/Car Finance - £126
Car Tax - £2.50 - £30 year
Car Ins - £82 - £1000 year
Car Breakdown - £9
Car Fuel - £120
PSL (Car) - £9
Annual
Buildings + Contents Ins AA - £8.3 - £100 year
Life Ins AA/Legal & General - £5.83 - £70 year
Overall it comes to roughly £1200 a month.

Bearing in mind I have took everything to the nearest pound/figure and had to project a couple things for next year like car insurance based on last year.
I have around £300 a month left for food/toileries and stuff I want.

I would consider sharing with someone if you can because it's very depressing when you don't have enough to get by or be able to buy things you'd like for yourself.

All it would literally take is car expense/house repair etc for me to be screwed.
And always if you can manage even put £10 or a token amount a week away in a savings account or something for these things.
Edited by: "Cloeeez" 2nd Nov
I have zero left, hope it helps.
Look on SpareRoom and find someone looking for a lodger and it has house shares, not only will it save you a fortune it also takes all the hassle out of running a house. Once you’ve lodged for a bit maybe think about your own place. Unless your pulling £30k you’ll have no money at all running a house.
I have a wife she works 25hr a week and I work anywhere between 45 and 85 hours a week with 2 jobs.

I have that second job so we have money to save and not worry much about things and have holidays each year.
Otherwise we would still have to strictly budget with 2 people.
I'm not in that position however some people I know who live on their own, no children, work average hours, average wage it's not enough...then others manage. Like say cooker needs replacing... It's matter of trying save for one, buying an used one or getting fleeced from likes or Brighthouse if your credit not good enough for a credit card.
Someone might be better off than most depending on anything extra owed, if someone smokes and so on... There so much to factor in, not all council tax same band, rent varies, I mean here could get a 1 bedroom for less than £400 a month, then some regions well even double that.
Transport costs varies, car, public transport not same cost for everyone. Even food varies.... I get a lot discounted food from likes of Herons.
There calculators like 'entitled to' is one website that you could use as guideline.
chroniclelive.co.uk/new…557

Article I've read this week... I know it's different circumstances to what you talk of... The article isn't totally clear like it doesn't mention if she gets any child support from the father of child... But it says she's down to 44p.
It depends on you wage and outgoings, I can manage comfortably, others can't (often the people who waste money, like a few hundred a month car lease and buying lunch daily).
Edited by: "dcx_badass" 4th Nov
GAVINLEWISHUKD02/11/2019 10:53

It's not really about what you have left but what are your costs.Rent: …It's not really about what you have left but what are your costs.Rent: Totally department on areaCouncil tax: £75-£110 (includes 25% single discount)Gas and Electric: Monthly average over year about £50Water: Around £30Broadband: Around £30TV licence: about £13Contents insurance: around £8So probably best budget for about £250 for bills plus rent.A cheaper option might be a room in a shared house.


Scrap TV license, get a better broadband deal, steal neighbors electric and water supply
Contents insurance don't really need that
Council tax? "empty property" or the disabled route

Also £50 per month for one person?

You're doing something wrong, I'm all electric in my flat and I only use about £15, i do mostly use microwave so that probably plays a part but still
Edited by: "Norseg" 4th Nov
Cloeeez02/11/2019 14:08

It's a struggle.I am a single person and recently bought my own 1 bedroom …It's a struggle.I am a single person and recently bought my own 1 bedroom house as my mortgage is the same as what my rent was in a private let 1 bedroom flat.Bearing in mind I have to pay stuff like buildings ins as I now own.Here's a break down of my bills and I earn £1500 a month.MonthlyMortgage - £400Council Tax - £100Elec - £90Virgin - £31Netflix - £10Vodafone/Spotify - £20Black Horse/Car Finance - £126Car Tax - £2.50 - £30 yearCar Ins - £82 - £1000 yearCar Breakdown - £9Car Fuel - £120PSL (Car) - £9AnnualBuildings + Contents Ins AA - £8.3 - £100 yearLife Ins AA/Legal & General - £5.83 - £70 yearOverall it comes to roughly £1200 a month.Bearing in mind I have took everything to the nearest pound/figure and had to project a couple things for next year like car insurance based on last year.I have around £300 a month left for food/toileries and stuff I want.I would consider sharing with someone if you can because it's very depressing when you don't have enough to get by or be able to buy things you'd like for yourself.All it would literally take is car expense/house repair etc for me to be screwed.And always if you can manage even put £10 or a token amount a week away in a savings account or something for these things.


Jeez mate why are you spending £90 a month on electric..Virgin seems a bit pricey probably can get better, Netflix get rid of that and use streaming


Also with the amount you're spending on a car is it worth it over using the bus/bike or getting a job closer to work
Edited by: "Norseg" 4th Nov
I've been on government support basically

They'll pay all or most for a 1 bed flat depending on location (my area it's pretty low compared to the prices) so let's say they pay it all, you pay rent and you still have to pay council tax which is probably a £10 a month
You'll get £57.90 a week depending on your age (which is silly since we all are adults who need to live the same)

Also Housing Benefit payment in my area is based on your age, again it's stupid

But after electric, water and wifi if you conserve and smart about your useagw I used to have about £25 to spend on food a week and about £5-10 spare
Which is stupid
How can someone live off that without If they needed to buy needed items like clothing and phones (people will say you don't need a phone, you do in this day and age same with wifi) they may give more if you're from London or from city, but still scrapping the barrel, I had money saved when I was on it since I couldn't rely on it it wasn't enough

People complain about benefit scum taking all their tax, they literally get the bare minimum to live off
Edited by: "Norseg" 4th Nov
Norseg04/11/2019 02:10

I've been on government support basically They'll pay all or most for a 1 …I've been on government support basically They'll pay all or most for a 1 bed flat depending on location (my area it's pretty low compared to the prices) so let's say they pay it all, you pay rent and you still have to pay council tax which is probably a £10 a month You'll get £57.90 a week depending on your age (which is silly since we all are adults who need to live the same)Also Housing Benefit payment in my area is based on your age, again it's stupidBut after electric, water and wifi if you conserve and smart about your useagw I used to have about £25 to spend on food a week and about £5-10 spareWhich is stupidHow can someone live off that without If they needed to buy needed items like clothing and phones (people will say you don't need a phone, you do in this day and age same with wifi) they may give more if you're from London or from city, but still scrapping the barrel, I had money saved when I was on it since I couldn't rely on it it wasn't enough People complain about benefit scum taking all their tax, they literally get the bare minimum to live off


which includes being able to do this?
hotukdeals.com/dis…609
Hardly life of death
psychobitchfromhell04/11/2019 03:20

which includes being able to do this? …which includes being able to do this? https://www.hotukdeals.com/discussions/motherboard-for-gaming-pc-gamers-3299609Hardly life of death


I said I'm not on benefits I was years ago

Do you think I can afford £800 if received £58 per week
Edited by: "Norseg" 4th Nov
Norseg04/11/2019 03:21

I said I'm not on benefits I was years agoDo you think I can afford £800 …I said I'm not on benefits I was years agoDo you think I can afford £800 if received £58 per week


My bad. I'll let you off. Your post isn't that clear though
Edited by: "psychobitchfromhell" 4th Nov
Norseg04/11/2019 02:00

Jeez mate why are you spending £90 a month on electric..Virgin seems a bit …Jeez mate why are you spending £90 a month on electric..Virgin seems a bit pricey probably can get better, Netflix get rid of that and use streamingAlso with the amount you're spending on a car is it worth it over using the bus/bike or getting a job closer to work


I don't have gas and elec heating is expensive in the winter. I've already tried to lower virgin, it's the best I can get. Netflix is hardly a cost at £10 a month.
I am a painter and decorator I need a car for work.
Post a comment
Avatar
@
    Text

    Discussions

    Top Merchants