[Myrkk]

Ok, so we're doing serious budgeting analysis at the mo. But I'm wondering if there is anything we've left off our list. What we've done is searched this site and compared against what we spend here. Can anyone shed any light on anything we may have missed off the following list. Thanks.

Rent/Mortgage
electric
phone
sky
broadband
car insurance
mobile
groceries
petrol
car licence
do they do gas?
wood for stove?
pocket money for nights out etc

[Ana&Steve]

Not there yet, but I'd like to help.
How about yearly "rates" or "property taxes" for the US. (we pay ours monthly)
Also the unforeseen fund, for car/dental/vet/house repairs; when I was good and had a strict budget I squeezed $50 buck a month in to that fund.
Do you do haircuts, mani-pedi, hair dye or other vanities? (not that there is anything wrong with a bit of vanity!)
Good to budget for <house> gas and wood, til you know which you'll have, if any (or both!).

I should be doing this in preparation! I'll go give it some serious thought over coffee...
Ana

[Myrkk]

I thought I'd put that in so went and checked my worksheet......... I'd used the wrong one!

Thanks for that :)

Things that we've budgeted for that aren't on the top list are

council tax
water rates?
household insurance
Pensions
emergency fund

[Oregonkiwi]

don't forget the car's Warrant of Fitness (annual for newer cars, 2x a year for older cars)

[jubjub]

Are you bringing a dog? cos dog licences are around $100 year, plus vaccinations at around $100-150

[IanW99]

Few more for the list:-

Buildings insurance
Dog registration (for those that have dogs of course)
Car servicing / repairs
Rubish collection
School uniform / fees (for those with children)
Road user charges (for those with diesel vehicles)
Alarm monitoring (for those that are rich :) )
Bank charges

Ian

[kanatakiwi]

and if you are working I think its going to be mandatory to contribute to Kiwisaver, a government introduced savings plan(for retirement)

[Sam B]

coffee!

[ellenmelon]

and if you are working I think its going to be mandatory to contribute to Kiwisaver, a government introduced savings plan(for retirement)

the website (www.kiwisaver.govt.nz) says its voluntary. thank god, as i earn next to nothing as a fulltime student with a wee job on the side.

edited to add: i wonder will it be like in ireland, where an employer has to offer you it, even if you dont intend to subscribe to it?

[jaycee]

How about:
Clothing
Household items - bedlinen, towels etc
Doctors/dentists/pharmacy - routine visits
Car parking and/or public transport, depending on where you live and work
Routine home maintenance - chimney sweeping, septic tank servicing, lawn mowing (I know the last one sounds like a luxury, but it seems quite common here!)
Christmas/birthdays, especially if you're intending sending gifts abroad as postage is expensive.

[Lupin]

coffee!

:clap She's right; forget the rest. It's the coffee you really need to budget for :uhoh

[Oregonkiwi]

the website (www.kiwisaver.govt.nz) says its voluntary. thank god, as i earn next to nothing as a fulltime student with a wee job on the side.

edited to add: i wonder will it be like in ireland, where an employer has to offer you it, even if you dont intend to subscribe to it?

Yes, it's voluntary, BUT when you start a new job you will be enrolled automatically unless you opt out within 8 weeks.