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Fogmeister
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 7:35 pm
Posts: 6580
Location: Getting there
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I'm about to pay the holding deposit for this flat and I want to check that I haven't forgotten anything off my budgeting...
The allowances I have made are...
Rent
Council Tax
Bills (Electricity, Water, no gas)
Internet
Fuel (Car)
Phone (Mobile phone)
BMF (Fitness thing)
Car Insurance
Food
Loan
Endsleigh (Contents Insurance)
These are all my recurring costs but I pay all in at the moment so want to check this stuff.
Is there anything glaringly obvious that I have missed? Is there anything else I should consider? I have still made sure I have disposable income but I haven't calculated it into these numbers.
Thanks for any help.
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| Mon Nov 29, 2010 9:53 am |
 
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HeatherKay
Moderator
Joined: Thu Apr 23, 2009 6:13 pm
Posts: 7262
Location: Here, but not all there.
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You pay income tax and stamp through PAYE?
If so, then that list looks okay to me.
_________________My Flickr | Snaptophobic BloggageHeather Kay: modelling details that matter. "Let my windows be open to receive new ideas but let me also be strong enough not to be blown away by them." - Mahatma Gandhi.
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| Mon Nov 29, 2010 9:55 am |
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Fogmeister
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 7:35 pm
Posts: 6580
Location: Getting there
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Yeah I've calculated all deductions off my salary through PAYE. That's cool. Thanks
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| Mon Nov 29, 2010 10:03 am |
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Spreadie
I haven't seen my friends in so long
Joined: Fri Apr 24, 2009 6:06 pm
Posts: 6355
Location: IoW
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A holding deposit is one thing, but you still have to pay a bond usually.
This is normally at least as much as a month's rent, and often a bit more.
_________________
Before you judge a man, walk a mile in his shoes; after that, who cares?! He's a mile away and you've got his shoes!
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| Mon Nov 29, 2010 10:07 am |
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Fogmeister
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 7:35 pm
Posts: 6580
Location: Getting there
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Yeah, I've got the bond sorted thanks  Just phoned up to confirm now.
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| Mon Nov 29, 2010 10:12 am |
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Spreadie
I haven't seen my friends in so long
Joined: Fri Apr 24, 2009 6:06 pm
Posts: 6355
Location: IoW
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Have you got Sky TV or Cable?
Plus, TV licence.
Oh, if you're planning on doing a Post Office mail re-direct, and you want to pay by card, you must do it before you change your address with the bank - the PO won't accept the card payment if you've already changed to the new address.
_________________
Before you judge a man, walk a mile in his shoes; after that, who cares?! He's a mile away and you've got his shoes!
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| Mon Nov 29, 2010 10:28 am |
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Fogmeister
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 7:35 pm
Posts: 6580
Location: Getting there
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No and no on the TV front. Will need a TV License, hadn't thought of that... how much are they? PO stuff is fine as all my post goes to my grandma's house
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| Mon Nov 29, 2010 10:49 am |
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Fogmeister
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 7:35 pm
Posts: 6580
Location: Getting there
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Oh, and I just paifd the application fee!!!
WOOO!!!
Fricking fell! I'm actually doing it!
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| Mon Nov 29, 2010 10:50 am |
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finlay666
Spends far too much time on here
Joined: Thu Apr 23, 2009 9:40 pm
Posts: 4876
Location: Newcastle
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Might be worth adding car tax so you can pop the money to one side each month so you can pay a year as a lump sum
_________________TwitterCharlie Brooker: Macs are glorified Fisher-Price activity centres for adults; computers for scaredy cats too nervous to learn how proper computers work; computers for people who earnestly believe in feng shui.
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| Mon Nov 29, 2010 11:21 am |
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jonbwfc
What's a life?
Joined: Thu Apr 23, 2009 7:26 pm
Posts: 17040
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Tenner a month or so on Direct Debit.
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| Mon Nov 29, 2010 11:27 am |
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james016
Doesn't have much of a life
Joined: Tue May 05, 2009 5:52 pm
Posts: 1899
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What about service charge and ground rent? For my flat I pay £1300 a year for the service charge and £125 a year for Ground Rent (split into 2 payments a year)
_________________ My Flickr PageNow with added ball and chain.
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| Mon Nov 29, 2010 11:40 am |
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Fogmeister
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 7:35 pm
Posts: 6580
Location: Getting there
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Ooh, good point. I think I'm actually gonna set up a savings account with standing orders for all this annual stuff (like service+MOT and stuff). Then when it comes time to pay I can take it from there and not risk spending it.
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| Mon Nov 29, 2010 11:43 am |
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saspro
Site Admin
Joined: Thu Apr 23, 2009 5:53 pm
Posts: 8603
Location: location, location
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The homeowner usually pays these not the tennant
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| Mon Nov 29, 2010 12:04 pm |
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cloaked_wolf
What's a life?
Joined: Thu Apr 23, 2009 8:46 pm
Posts: 10022
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Deposit - I had to pay one month's rent as deposit and first month's rent in advance. So expect to give double your rent as soon as you've signed on the dotted line.
Internet - does this include line rental?
Fuel (Car) - MOT, tax, repairs eg tyre replacement
Sewage - I got a separate charge for this instead of combined with my water bill.
_________________ He fights for the users.
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| Mon Nov 29, 2010 12:08 pm |
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oceanicitl
Official forum cat lady
Joined: Fri Apr 24, 2009 8:04 am
Posts: 11039
Location: London
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You might want to check if any of the facilities like water or electricity are on a meter. Apart from that looks like you got everything covered. Excited for you _________________Still the official cheeky one 
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| Mon Nov 29, 2010 12:25 pm |
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