Monthly bills for a young family of 4
#1
Just Joined
Thread Starter
Joined: Jul 2019
Posts: 3
Monthly bills for a young family of 4
Good evening
I apologise if this has been covered already but could somebody please let me know what monthly outgoings I should expect living in Adelaide (I have assumed a mortgage/rent at $2000 pcm)
I've attempted to work it out myself and after looking on forums have guessed at the following:
Gas/Elec - $200 Mobile 2x $70 Broadband $70 Water $100 Council rates $150 Home and contents insurance $70 Life Insurance $40 Pet Insurance $40 Food $720 Car monthly payment $400 Plus spending money, fuel and savings
Is there any obvious bills I'm missing? Who takes out medical insurance straight away?
Sorry for all the questions and thanks in advance
I apologise if this has been covered already but could somebody please let me know what monthly outgoings I should expect living in Adelaide (I have assumed a mortgage/rent at $2000 pcm)
I've attempted to work it out myself and after looking on forums have guessed at the following:
Gas/Elec - $200 Mobile 2x $70 Broadband $70 Water $100 Council rates $150 Home and contents insurance $70 Life Insurance $40 Pet Insurance $40 Food $720 Car monthly payment $400 Plus spending money, fuel and savings
Is there any obvious bills I'm missing? Who takes out medical insurance straight away?
Sorry for all the questions and thanks in advance
#2
Home and Happy
Joined: Dec 2002
Location: Keep true friends and puppets close, trust no-one else...
Posts: 93,810
Re: Monthly bills for a young family of 4
What visa are you coming on, and how old are the kids?
#4
Forum Regular
Joined: Mar 2009
Location: North Lakes Qld
Posts: 36
Re: Monthly bills for a young family of 4
You'll also have car insurance, rego and breakdown cover.
#5
Re: Monthly bills for a young family of 4
Good evening
I apologise if this has been covered already but could somebody please let me know what monthly outgoings I should expect living in Adelaide (I have assumed a mortgage/rent at $2000 pcm)
I've attempted to work it out myself and after looking on forums have guessed at the following:
Gas/Elec - $200 Mobile 2x $70 Broadband $70 Water $100 Council rates $150 Home and contents insurance $70 Life Insurance $40 Pet Insurance $40 Food $720 Car monthly payment $400 Plus spending money, fuel and savings
Is there any obvious bills I'm missing? Who takes out medical insurance straight away?
Sorry for all the questions and thanks in advance
I apologise if this has been covered already but could somebody please let me know what monthly outgoings I should expect living in Adelaide (I have assumed a mortgage/rent at $2000 pcm)
I've attempted to work it out myself and after looking on forums have guessed at the following:
Gas/Elec - $200 Mobile 2x $70 Broadband $70 Water $100 Council rates $150 Home and contents insurance $70 Life Insurance $40 Pet Insurance $40 Food $720 Car monthly payment $400 Plus spending money, fuel and savings
Is there any obvious bills I'm missing? Who takes out medical insurance straight away?
Sorry for all the questions and thanks in advance
Kids school fees - there are fees even for the public schools, and uniform costs, Out of school house care, holiday care etc.
There are plenty of deals for mobiles and broadband, so I think there is room to reduce those. Water is conservative. You are looking at $75.40 a quarter supply charge, then sewer charge if you are on mains sewer and then the usage charge SA Water has the new rates for FY19/20
Your rental/mortgage allowance will be very much dependent on where you live, they type of house you have etc. The closer to the city, the more expensive (generally), but the western suburbs, some of the north and Hills tend to be more pricey. Real estate will give you more indicative prices. Rental market is hot, so if you are able to offer extra things such as 6 months bond, excellent references, work reference etc, these help with rental applications.
Electricity prices are incredibly variable so shop around. A home with solar panels will help (if you're lucky you may even get a government feed in tariff). i know of some homes that have quarterly bills of $1500+. We have a 5kw solar system and our bills are usually around the $250 a quarter mark (we have a pool too). There are many different providers in the metro area and the deals vary greatly. The recent budget has also said that the energy providers have to cut costs for the customers.
Car rego includes 3rd party insurance, and now there is a choice of provider, so you can make savings there - the providers have to provide the exact same cover, but they have different prices. You do not have to have comprehensive insurance, however, in our experience it is wise to have it. Cost of rego will depend on age of car, size etc.
#6
Just Joined
Thread Starter
Joined: Jul 2019
Posts: 3
Re: Monthly bills for a young family of 4
Hi Rasen78
I would like the thank you for the very detailed response. I’ve been researching lots and it’s so difficult to find any accurate figures.
May i I ask what fees we should expect for public schooling? And I’m aware that there are many different policies but what would you class as an average monthly cost of medical insurance? I have factored in things such as uniform in to my spending.
Are there any other annual/monthly/quarterly taxes that I have missed off?
Again, many thanks for your reply. Just out of interest are there any reasonably priced areas around Adelaide that aren’t considered ‘rough’ (I’m aware this is very dependent on what one determines as rough) and we would also like to be near a direct team route in to the city.
Thanks again 😊
I would like the thank you for the very detailed response. I’ve been researching lots and it’s so difficult to find any accurate figures.
May i I ask what fees we should expect for public schooling? And I’m aware that there are many different policies but what would you class as an average monthly cost of medical insurance? I have factored in things such as uniform in to my spending.
Are there any other annual/monthly/quarterly taxes that I have missed off?
Again, many thanks for your reply. Just out of interest are there any reasonably priced areas around Adelaide that aren’t considered ‘rough’ (I’m aware this is very dependent on what one determines as rough) and we would also like to be near a direct team route in to the city.
Thanks again 😊
#7
Re: Monthly bills for a young family of 4
Hi Rasen78
I would like the thank you for the very detailed response. I’ve been researching lots and it’s so difficult to find any accurate figures.
May i I ask what fees we should expect for public schooling? And I’m aware that there are many different policies but what would you class as an average monthly cost of medical insurance? I have factored in things such as uniform in to my spending.
Are there any other annual/monthly/quarterly taxes that I have missed off?
Again, many thanks for your reply. Just out of interest are there any reasonably priced areas around Adelaide that aren’t considered ‘rough’ (I’m aware this is very dependent on what one determines as rough) and we would also like to be near a direct team route in to the city.
Thanks again 😊
I would like the thank you for the very detailed response. I’ve been researching lots and it’s so difficult to find any accurate figures.
May i I ask what fees we should expect for public schooling? And I’m aware that there are many different policies but what would you class as an average monthly cost of medical insurance? I have factored in things such as uniform in to my spending.
Are there any other annual/monthly/quarterly taxes that I have missed off?
Again, many thanks for your reply. Just out of interest are there any reasonably priced areas around Adelaide that aren’t considered ‘rough’ (I’m aware this is very dependent on what one determines as rough) and we would also like to be near a direct team route in to the city.
Thanks again 😊
We have the top medical insurance with hospital cover (we have had to use this a few times!) We pay around $100 a week. Think we need to review it! If you choose not to take out medical insurance, I do recommend you take out ambulance insurance. An emergency ambulance is around $1000 and you might also want to check that it covers you for interstate travel too.
Areas to avoid: in the North, Elizabeth, Salisbury, Munno Para. In the south, Noarlunga (not to be confused with Port Noarlunga which is lovely), Morphett Vale, parts of Hackham and Reynella. If you want to live a bit further out, McLaren Vale and Willunga are lovely and surrounded by fabulous wineries, micro-breweries and eating places.
Tram goes from Glenelg to the city, trains from the south, the Hills and the North. Plenty of bus routes. In the Hills, the further out you go the more affordable. Mt Barker (not on the train route)is now a large town with large new estates going up. This link takes you to all the suburbs the train network goes through
If you want to send me the names of some areas you are interested in, I can give some information (if I know them!)