hindon

I wonder if anyone could give us some idea of what we would need $ wise to live on monthly.
My husband has been offered a job and we would like to work out if we would be ok financially until i got the children settled and then found a part time job of my own.
We are a family of 4. 2 adults, 2 children (9 and 14)
We are hoping to move to the Sunshine Coast next summer.

If anyone could give me information on the following monthly spending would be really, really appreciated:
House Insurance
Car Insurance
Life Insurance
Health Insurance
Car Rego
Internet
Home Phone
Mobile (2)
Electric
Gas
Rates
Food
House Contents Insurance
Petrol (2 cars)
Pet Insurance (1 medium dog)

Thank you for reading this post and helping out.

Stormz

House Insurance -
Car Insurance - $500 a year for a large 4x4 . $20,000 (agreed value).
Life Insurance - n/a for us.
Health Insurance - n/a for us, but I think it`s from about $50 a month for a family. I heard you can get certain special things if you apply within 12 months of moving here (don`t have to pay extra taxes or something). Look for HBF etc.
Car Rego - can`t remember atm. about $130 a year?
Internet - $145 connection fee. $45 a month with Exetel (128 up/512 down, 40GB download limit) www.whirlpool.net.au .
Home Phone - $20 line rental a month (Telstra HomeSaver). Don`t use the phone too much, maybe a call a day. about $20 of calls per month on average.
Mobile (2) - Pre-paid is best if you`re not a heavy user... $20 a month for my wife, and $10 a month for me.
Electric - $140 per 3 months.
Gas - erm, $100 per 3 months? Maybe less.
Rates - about $240 per quarter. Depends on where you live (size of house/which council etc).
Food - $200 per week TOPS for us. Lot`s of baby food in tins (2 girls... 1 and 2) and nappies.
House Contents Insurance - about $30 pm iirc.
Petrol (2 cars) - Unleaded is about 1.15 p/l , Diesel about $1.25 here atm.
Pet Insurance (1 medium dog) - n/a for us. Licence is about $40 a year I think.

Bringing your own cars over? Don`t do it. Buy a car or 2 here. If you spend around $15k you`ll have a really good one. Most decent ones are around $10k. Can get a good runaround for less than $5k.

thebears

Although work has death cover for myself and family we also have:
- Income protection $52 per month (before tax deductibility) (me)
- Death and TPD (Total and Permanent Disability) $1734 per year (me)
$392 per year (wife)
- Trauma Insurance $336 per year (me) $551 per year (wife)
- Health Insurance $140 (me + family) per month + $150 per month (wife) (personal circumstances require 2 family policies so most would be only around $150 per month)
- House Insurance $600 - $800 Including extra seperately listed items over $1500.

Wendy

House Insurance - Renting so not applicable.
Car Insurance - Just under $400 for a year on a $10k car
Life Insurance - $32 a month with ANZ (smoker aged 34) $38 a month also with ANZ (smoker aged 38) both covered for $150,000 each
Health Insurance - Haven't got any yet.
Car Rego - $600 ish for the year
Internet - On dialup, last months bill $10
Home Phone - $25 line rental a month with optus (25 free calls per month). Average cost so far per month is $35 plus I use a calling card for the UK at 0.05c per minute ($30 has lasted me for over 5 weeks)
Mobile (2) - We use about $20 a month each with vodafone.
Electric - $50 a month so far (but had aircon on warm for 10 weeks )
Gas - $80 for 10 weeks
Rates - We are renting and don't have to pay rates.
Food - $150 per week. ( 2 adults, 2 kids )
House Contents Insurance - We paid just under $400 for a year to cover $25k
Petrol (2 cars) - Hubby uses about $30 - $40 a week in a 4 litre car
Pet Insurance (1 medium dog) - Have enough trouble keeping kids in line

callie.rocky

House Insurance - $680
Car Insurance - $450 ish (i'm 27, once you hit 30 it goes down and they will recognise no claims from UK with proof.
Life Insurance - oops
Health Insurance - about $100-150 per month for a family
Car Rego - $130 a quarter I think.
Internet - $50 a month for broadband
Home Phone - $20 line rental
Mobile (2) - vodaphone $49 cap a month gives $230 calls
Electric - about $200 quarter
Gas - about same i think
Rates - $800 - 1200 a year
Food - $200-$300 a month
House Contents Insurance - incl in above
Petrol (2 cars) - very dependant on size of car and miles, etc - about $40 p/wk
Pet Insurance (1 medium dog) - too expensive although people on here have recommended pet plan so worth a look.

Important to note that the state you're in makes a massive difference on rates and utilities, can't remember the site but there is a website that will show comparisons, you'll have to google.

wintersgills

wifes shoes $400 per month :scared:

wifes make up $200 PER MONTH :scared:

wifes clothes $600 per month :scared:

i forgot to add that to the e mail i sent you with a graph attached for a guide hindon

Wendy

:scared: I haven't spent that much in total on all of them things in the past year :scared:

wintersgills

i should of married you

Wendy

jad n rich

Is this thread for a family of 4

Food 200 -300 a month

Rates 240 a Q

Health insurance 50 a month

elec 140 3 months

Sound very very very low.



Our costs

Food is more like 200 - 300 a WEEK

Rates 2200 year or 1900 without sewarage and those have since gone up

Health insurance 227 Medibank private per month

elec 387 Q but we have solar and gas costs also just gone up since that bill

These are for the area the OP asked about and are pretty much in line with the costs in many other threads on the subject.

eddie007

how on earth does your poor wife survive on that kind of budget... you mean mean mean mean man you

Wendy

Mate, you do know this thread is REALLY old don't you

Mine are the same as before with just the added exense of broadband at $40 per month and water rates which we haven't paid yet cos we are $70 in credit (yes, there is four of us)

jad n rich

The thread was requested and posted again as a link in another thread.

Wendy

Yeah, just seen it

Vanessa

We are in Melbourne