Your Biggest Bills?

Discussion in 'Teacher Time Out' started by Ms. I, Oct 23, 2014.

  1. Ms. I

    Ms. I Maven

    Joined:
    May 13, 2004
    Messages:
    5,868
    Likes Received:
    155

    Oct 23, 2014

    After mortgage/rent & car (unless those are paid off), what's your next largest bill(s)?

    Mine is the internet/land line/cable bundle. It used to be $138/month, but now it's about $160/month. (Next is health ins at $84/mo, then car ins at $70/mo.)
     
  2.  
  3. Ms.Blank

    Ms.Blank Companion

    Joined:
    May 11, 2011
    Messages:
    249
    Likes Received:
    3

    Oct 23, 2014

    Our internet and cable is $148/month...yuck! But my dad refuses to let go of the golf channel, so we pay it...we split the bill, but he pays a bit more so he can keep watching his golf lol
     
  4. swansong1

    swansong1 Virtuoso

    Joined:
    May 19, 2007
    Messages:
    6,678
    Likes Received:
    1,615

    Oct 23, 2014

    Don't have mortgage or car payment, so my biggest bill is phone ...$230...its ridiculous!
     
  5. Ms. I

    Ms. I Maven

    Joined:
    May 13, 2004
    Messages:
    5,868
    Likes Received:
    155

    Oct 23, 2014

    Ms.Blank, I could never give up cable TV either & I need internet for work & school.

    swansong1, wow $230 for phone?! My land line is in w/ my internet & cable bundle (would have to see the exact itemization to know how much phone is) & my cell is only $38/mo.
     
  6. dgpiaffeteach

    dgpiaffeteach Aficionado

    Joined:
    Jul 5, 2011
    Messages:
    3,224
    Likes Received:
    147

    Oct 23, 2014

    My credit card :lol:

    Other than that it's cable and internet.
     
  7. swansong1

    swansong1 Virtuoso

    Joined:
    May 19, 2007
    Messages:
    6,678
    Likes Received:
    1,615

    Oct 23, 2014

    The phone is for three people with smartphones. I'm looking for something cheaper for us because our plans are almost up, but around here that seems to be the going rate for the kind of coverage we need.
     
  8. Ima Teacher

    Ima Teacher Maven

    Joined:
    Oct 25, 2005
    Messages:
    5,792
    Likes Received:
    1,259

    Oct 23, 2014

    My house payment is biggest. $782. In the summer, it's electric at between $125-195. In the winter, it's gas at between $95-150.
     
  9. agdamity

    agdamity Fanatic

    Joined:
    Apr 25, 2007
    Messages:
    2,693
    Likes Received:
    460

    Oct 23, 2014

    Daycare
     
  10. kellzy

    kellzy Comrade

    Joined:
    Aug 22, 2013
    Messages:
    324
    Likes Received:
    92

    Oct 23, 2014

    My mom's heating oil bill. The only options in her town are heating oil or propane. She can't afford the bill, so my brother and I take turns. During the winter, it's close to $800 every other month for me. During the summer, it drops to about $200 every other month.
     
  11. mrachelle87

    mrachelle87 Fanatic

    Joined:
    Aug 30, 2006
    Messages:
    2,815
    Likes Received:
    53

    Oct 23, 2014

    House $1300. Car $300 electricity $400 plus $150 for barn electricity. Sheep feed $280.
     
  12. ECE ABC

    ECE ABC Comrade

    Joined:
    Oct 4, 2012
    Messages:
    437
    Likes Received:
    1

    Oct 23, 2014

    Definitely my electrical bill......but only in the winter!

    Its usually around $60-70 a month, a little more in the summer when the AC goes on but not much more...I only use my AC (wall unit) when I am home but come the winter months when I turn the heat on (I live in a condo complex) it goes up by $100 and that goes on for about 4-5 months!

    I try and not put the heat on until I absolutely have to..tonight its really cold and I am sitting here with 2 sweatshirts on and 2 pairs of very thick socks..while sitting under my blanket:D

    I try and deal with it until I absolutely have no choice..so not to have to pay more just because of the heat!

    My next highest would be the cable/internet/phone and that's $120..it was lowered after I threatened to drop my landline last month so now I have a special ''promotional plan'' for the next 12 months, I use to pay $165.00 a month!

    I also brought my mortgage payment down to around $800 a month through refinancing a few months ago:)
     
  13. teacherintexas

    teacherintexas Maven

    Joined:
    Jul 7, 2005
    Messages:
    5,279
    Likes Received:
    748

    Oct 23, 2014

    I have cows. They are expensive boogers.
     
  14. Ms. I

    Ms. I Maven

    Joined:
    May 13, 2004
    Messages:
    5,868
    Likes Received:
    155

    Oct 23, 2014

    Nice job on getting BOTH of these down. I have zero choice w/ my rent. I negotiate every June when my lease is up for renewal & I got it down a bit, but not much.

    I had been planning to call Verizon FIOS. I should threaten to cancel my land line too & see what they say! Anything to get it down again for another year. Then, after that, let's threaten to cancel something else out! :D
     
  15. ECE ABC

    ECE ABC Comrade

    Joined:
    Oct 4, 2012
    Messages:
    437
    Likes Received:
    1

    Oct 23, 2014

    LOL...that's the plan:lol:
     
  16. mrachelle87

    mrachelle87 Fanatic

    Joined:
    Aug 30, 2006
    Messages:
    2,815
    Likes Received:
    53

    Oct 23, 2014

    That doesn't include the addictives, shavings and bedding, and vet. At least my husband does a second job to purchase them.
     
  17. yellowdaisies

    yellowdaisies Fanatic

    Joined:
    Feb 7, 2011
    Messages:
    2,653
    Likes Received:
    233

    Oct 23, 2014

    Wow, we seem to have a lot more big bills than others on here.

    These are the top 5 after rent (which is far and away the most expensive), not necessarily in order:

    - My student loan
    - Husband's student loan
    - Husband's health insurance
    - Car insurance (Is this a lot cheaper in other states? I'm surprised no one has mentioned it. Ours is $175.)
    - Cellphones (Verizon)
     
  18. bros

    bros Phenom

    Joined:
    Aug 5, 2009
    Messages:
    4,105
    Likes Received:
    68

    Oct 23, 2014

    We have three people with smartphones on our T-Mobile plan - $170 a month, until January, then it drops to $100, as the phones will be paid off.
     
  19. waterfall

    waterfall Virtuoso

    Joined:
    Feb 5, 2011
    Messages:
    6,000
    Likes Received:
    861

    Oct 23, 2014

    Rent is definitely the biggest for me, but after that is cable/internet. I could totally do without the cable since everything is online anyway, but in my area there are only two options for internet and there is no competition, so the prices are crazy high. If you don't "bundle" cable and internet, the price skyrockets. I tried to get rid of the cable and my bill for just internet was then going to be only about 12 dollars cheaper. I'd rather keep the cable and at least feel like I'm getting something out of it.
     
  20. yellowdaisies

    yellowdaisies Fanatic

    Joined:
    Feb 7, 2011
    Messages:
    2,653
    Likes Received:
    233

    Oct 23, 2014

    This is how it is where we are! It's Comcast, and we can't stand it. :mad: They have a monopoly basically. We don't pay over $100 right now, but we will after a year. AT&T Uverse was so much better and cheaper when we lived in SoCal. :(
     
  21. kcjo13

    kcjo13 Phenom

    Joined:
    Dec 6, 2005
    Messages:
    4,395
    Likes Received:
    7

    Oct 23, 2014

    Our mortgage is expensive, but that is because we pay a double payment every month. We refinanced and cut our payment almost in half, but continued to pay double since we were used to it. My goal is to have our 15-year mortgage paid off in 7. :D

    After that, our insurance is pretty expensive, and our cell phones (our only phone).
     
  22. waterfall

    waterfall Virtuoso

    Joined:
    Feb 5, 2011
    Messages:
    6,000
    Likes Received:
    861

    Oct 23, 2014

    Yep, comcast here too!
     
  23. Peachyness

    Peachyness Virtuoso

    Joined:
    Jul 14, 2006
    Messages:
    6,181
    Likes Received:
    1

    Oct 24, 2014

    My biggest bill is for my car loan which is around 368. My iphone plan is $72. We only have internet so it's only 54. We watch tv through Hulu and Netflix. All of our other bills are pretty low. We do have two mortgages, one is paid monthly by our renters, the other my parents are renting at a discount :D
     
  24. yellowdaisies

    yellowdaisies Fanatic

    Joined:
    Feb 7, 2011
    Messages:
    2,653
    Likes Received:
    233

    Oct 24, 2014

    I had a suspicion! UGH. I swear, the next time we move we are making sure we aren't forced to have Comcast! It's literally the only internet provider in our apartment complex.
     
  25. i8myhomework

    i8myhomework Comrade

    Joined:
    Nov 20, 2010
    Messages:
    290
    Likes Received:
    0

    Oct 24, 2014

    Our electric bill is high. It's highest was $680 this summer. Other than that our at&t bill is up there (we have Uverse bundle and our cells tied to them too). House is bought and paid for thank god.
     
  26. Jem

    Jem Aficionado

    Joined:
    May 7, 2008
    Messages:
    3,544
    Likes Received:
    0

    Oct 24, 2014

    I don't pay the bills, so I'm not entirely sure what they are. I know our rent is $2500 and our daycare is $1300 a month. My student loans are $200 a month, and I think dh's car is about that much. Dh pays the bills each month, and I'm just fine with that arrangement!
     
  27. DizneeTeachR

    DizneeTeachR Virtuoso

    Joined:
    Mar 10, 2003
    Messages:
    6,809
    Likes Received:
    190

    Oct 24, 2014

    Doesn't your propane have pre buy? WE prebuy ours (our company looks at our average usage) in summer. We pay x amount for so many gallons & then if we go over like last winter it has a price cap...
     
  28. smalltowngal

    smalltowngal Multitudinous

    Joined:
    Jan 2, 2007
    Messages:
    17,362
    Likes Received:
    46

    Oct 25, 2014

    Mortgage, definitely.
     
  29. runsw/scissors

    runsw/scissors Phenom

    Joined:
    Apr 14, 2006
    Messages:
    4,491
    Likes Received:
    100

    Oct 29, 2014

    Same here. I am trying to pay above the minimum on the CCs to chip away at the principle and make some headway.
     
  30. mmswm

    mmswm Moderator

    Joined:
    Nov 5, 2007
    Messages:
    5,621
    Likes Received:
    6

    Oct 29, 2014


    Definitely shop around. My cell phone bill is $160/mo and I have 4 iPhones. Now, my boys are amazing when it comes to restricting their data use, so I'm able to get away with a 2 Gig family share plan, so that makes a huge difference, but still, you should be able to find something less expensive than you're currently paying.
     
  31. WarriorPrncss

    WarriorPrncss Companion

    Joined:
    Oct 29, 2014
    Messages:
    157
    Likes Received:
    28

    Nov 11, 2014

    Car insurance, I guess it depends on how manys cars and drivers you have? I'm in California and for 2 cars and 2 drivers we pay $106 a month, 10 months a year.
     
  32. bros

    bros Phenom

    Joined:
    Aug 5, 2009
    Messages:
    4,105
    Likes Received:
    68

    Nov 11, 2014

    I think my parents pay something like $400-$500 per quarter for car insurance for my mom, my dad, and my brother.

    But we live in NJ.

    Car insurance is expensive.
     
  33. MissScrimmage

    MissScrimmage Aficionado

    Joined:
    May 29, 2007
    Messages:
    3,061
    Likes Received:
    538

    Nov 11, 2014

    In the winter it's definitely my hydro bill. Cable/internet/cellphone are the next highest. Oh, and my monthly car payment.
     
  34. vickilyn

    vickilyn Multitudinous

    Joined:
    Jul 19, 2014
    Messages:
    10,968
    Likes Received:
    2,707

    Nov 11, 2014

    In NJ, your property taxes will be very high, $1300/month, compared to other states and areas. Our monthly property tax bill is more than twice the rate of our mortgage. In NJ, you can't afford to live here once you retire with a very healthy pension. :(
     
  35. bros

    bros Phenom

    Joined:
    Aug 5, 2009
    Messages:
    4,105
    Likes Received:
    68

    Nov 11, 2014

    Jeez.

    I think my parents pay $2000/year in property taxes.

    Do you live in Essex County or something?
     
  36. vickilyn

    vickilyn Multitudinous

    Joined:
    Jul 19, 2014
    Messages:
    10,968
    Likes Received:
    2,707

    Nov 11, 2014

    We are in western NJ, and our property taxes are NOT on any kind of mansion. Our property taxes are ridiculous, up to $13,000 a year or more. Our house is nothing special, but NJ taxes for homeowners is a real consideration. Our monthly mortgage and insurance that includes 5 cars and homeowners is still less than property taxes. Currently about 45% of NJ residents are seriously considering or planning to leave the state, according to an article out today in the Star Ledger.
     
  37. bros

    bros Phenom

    Joined:
    Aug 5, 2009
    Messages:
    4,105
    Likes Received:
    68

    Nov 11, 2014

    Our house is old. It's worth around 180k - including the property. The land itself is worth more than the house.

    New houses being built in the area are worth ~600k
     
  38. czacza

    czacza Multitudinous

    Joined:
    Sep 30, 2001
    Messages:
    24,958
    Likes Received:
    2,109

    Nov 11, 2014

    180 k? In NJ? I'm sure living next to a gas station devalues the property somewhat but that figure is hard to imagine...I'm in Bergen county so my point of reference is influenced by my location,but I he friends throughout the state who havent seen $180k values since the ealy 80s.
     
  39. vickilyn

    vickilyn Multitudinous

    Joined:
    Jul 19, 2014
    Messages:
    10,968
    Likes Received:
    2,707

    Nov 11, 2014

    Just curious - are your property taxes lower or higher?
     
  40. czacza

    czacza Multitudinous

    Joined:
    Sep 30, 2001
    Messages:
    24,958
    Likes Received:
    2,109

    Nov 11, 2014

    My house is valued at well over 400K. My taxes are significantly higher than 2000 a year.
    Mine are more in line with what you quoted.
     
  41. vickilyn

    vickilyn Multitudinous

    Joined:
    Jul 19, 2014
    Messages:
    10,968
    Likes Received:
    2,707

    Nov 11, 2014

    Sad thing is that you don't have to be wealthy to have a property at that level, but the taxes in NJ are driving homeowners away. Of course, thanks to our governor, you have to live in NJ to teach in NJ unless you were grandfathered in.
     

Share This Page

Members Online Now

Total: 135 (members: 0, guests: 111, robots: 24)
test