[user104658]

Rent
Council Tax
Gas/Electricity
TV/Phone/Internet
TV license
Netflix
Amazon Prime
A few app subs on youngest's iPad
Mobile phones x 3 (me, wife, eldest daughter)
Phone/Tablet/Laptop insurance
Various after-school clubs
PSN / Nintendo Online+Minecraft "Realms"
Historic Scotland
Car insurance/tax
Life insurance
A million little debts that add up to an ungodly total

... ... yeah my outgoings are horrendous

Originally Posted by Cherie

Mortgage paid off, but recently took out interest only loan so eldest could buy a flat, so paying that off until he finishes uni still cheaper than paying a landlord, he lets out the second room to pay his bills

You missed a goldmine there Cherie; I know quite a few people's parents who did this, but they bought huge 4 / 5 bedroom places. Kid gets a free room and 4 of their mates paying £300+/month each... the rental income covers the mortgage 100%. Depends on location and property price but then, if it's a high property price area then you can charge more per month in rent. I'm hoping to be in the financial position to do this when eldest kiddo is off to Uni (in about 10 years because I'm still a young chick).