Annual Cost of living assuming no mortgage.

C

chabsey

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I'm trying to roughly calculate the various expenses that an average person, living in their own place, pays annually. I've got my own figures for each of these expenses but I'm wondering if I'm missing anything.

Here's what I have so far in no order....

Car insurance
Car Tax
Car Petrol
Health insurance
Property tax
Utilities
Phone / Broadband
Tv licence
Life insurance
Home insruance
Groceries / shopping


What, if anything, am I missing?
 
Clothes/shoes
House Maintenance/ replacement white goods
Gifts/brithdays/family occassions
Hobbies/membership
Educational/
 
Here's the list from the spreadsheet I'm keeping ...

Household
Insurance
Tax
White good deprec.

Food

Utilities
TV/Phone/Internet
TV license
Electricity
Gas
Oil
Water
Bins
Septic Tank
Grass cutting

Car
Insurance
Tax
Maintenance
Fuel
Depreciation

Health
Insurance
Optical
Dental

Discretionary
House maintenance
Education
Entertainment
Holidays
 
Excellent points guys, I like that spreadsheet as well. Hadn't really considered the house maintenance and gifts etc but they're both worthy additions. Dental insurance, that's something I don't even have now, although it would be nice!
 
THe one issue that has not been mentioned by anyone is medical /dental expenses.

GP visits
medication
Consultant visits
 
Car parking
Public transport - bus/luas/dart
Hair, beauty and make-up etc
Holidays/Weekends away
Weddings
Xmas Exps

Some of the above will tend to be more lump sum type expenses, but I tend to record them and see what they average out per month over a year...helps with saving for future similar events.
 
I think you have covered most items. I leave about €2k for "miscellaneous" such as Christmas, Easter, Gifts, haircuts, gardening, newspapers, parking etc.

Refuse disposal is also becoming quite expensive.
 
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