Household bills

Different types of household bills you need to budget for (make sure you have enough money to cover) these each month include:

Rent or Mortgage to pay for you accommodation/housing.

Food and vital supplies like toiletries

Fuel costs like petrol or travel costs like Bus and train fare (check if you qualify for concessions (discounts) due to your disability or a free bus pass.

Range of Utility bills: Water bills/rates, Also Heating costs like Gas or Electric bills generally paid every three months  

Council tax bill: to pay for local council services where you live. If you live alone you get a 25% discount if you are on a very low income or you are a full-time student you do not pay Council Tax. The amount depends on were you live and the type of home you have.  

Phone bills such as mobile phone and or house phone.

Internet bills for internet services

You may have Direct Debits: these are set amounts that come out each month to pay for services you have agreed the organisations to take to cover their bills. You can set up some bills like your phone or gas/electric to be taken by the company so you do not have to remember to pay.

Entertainment bills such as for going out, going to the cinema, pub out for a meal general socialising bill.

You may need money at times for new items from technology to clothes that you do not buy every month.

TV Licence bill: you must have a licence if you want to watch TV   

There can be extra bills so you need a (Contigancy) a small amount each month to cover extra unexpected costs like gifts for people or if you need to pay for a prescription.

If you do not have enough money to cover costs/bills you will go into debt and have to pay more money (interest). You need to stop- this happening by planning and staying in budget.  

You may find it helps to use a Budget planner like from the Money Advice Service http://www.moneyadviceservice.org.uk/en/tools/budget-planner

Each month you should get money in this could be from work as your wages from your job and or benefits like Disability benefits like Personal Independence Payments and maybe Employment Support Allowance or other benefits.

 This is a You Tube video for Barclay's Money Skills explaining Budgeting 

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