![]() If you pay insurance twice a year, you might receive a discount. Car InsuranceĬar insurance can be paid monthly or twice a year. These are any monthly fees you have like the gym, beauty boxes, razors, pet boxes, kid boxes, etc. If you want to double check the ones you have, check your bank statement from last month. People forget about these when they create their budget. The annual fees can be added to your savings if you can’t afford to pay for them out of pocket in your monthly budget. Daycareĭon’t forget to add your daycare costs and annual one-time fees like registration fees, supply fees, etc. If one of these don’t work in your area, try asking on Facebook in your area to see if you can get the name of some other companies that have good service and cost less. If they cover your area, you could save hundreds by switching. Be sure to check your coverage area before switching. If you’re looking to lower your phone bill, try Mint Mobile or Republic Wireless. Your internet bill can actually save (& make) you money if you use streaming services in place of cable or start a side hustle. They’re under $10 a month and will save you a ton of money. If you don’t have a cable bill, or you’re looking to downsize, you can save a ton of money by switching to streaming services like Hulu and Netflix. If you’re a renter you will have this as a monthly fee. If you are a homeowner and have a mortgage, this one likely gets lumped into your mortgage payment. If they are annual, you can add it to the sinking fund category. Homeowners Association Dues can be due monthly in some neighborhoods (or condos) or even due annually. Of course, there are exceptions and if you live in a place with a higher cost of living- this might not be as realistic for you. So if you get paid weekly, your rent should be equal to (or less than) one week of your pay. RentĮxperts agree that your rent should be between 25%-30% of your take home pay. You know exactly how much the bill will be every single month because it’s always the same. Fixed Monthly Expenses Listįixed monthly expenses are expenses that don’t change each month. I believe personal finance is personal and you get to fit your budget to meet your family’s values, goals, and lifestyle. It should help you determine which monthly expenses you have so you can add them to your budget. This monthly expenses list is comprehensive, therefore all of the expenses might not apply to you and that’s okay. We’re going to break these monthly expenses list up into the following categories: That’s not to say it can’t be lowered one day, but the point of the budget is to create a plan and stick to it. When it comes to budgeting, it’s important to be realistic and account for your actual expenses. The main reason people stop budgeting is that they aren’t creating realistic budgets for the things they’ll actually spend money on. That’s why having a monthly expenses list can help you write a better budget. It’s important to know exactly what you’re spending money on. This will help you avoid unnecessary costs later on.Knowing what monthly expenses you have is the key to staying on budget. Get a good bike lock, and spend some time on keeping your bike in good shape. Make use of the discounts of the ESN card ĭiscounted furniture can be purchased from second-hand shops such as Mamamini Most grocery stores have new offers every week īuy good quality but cheap produce at the nearby market every Tuesday and Friday at the Vismarkt ![]() Pay attention to special offers from grocery stores like “Buy one, get one for free”. Groceries at Lidl or Aldi are less expensive Please note that tuition fees are not included in the IND living money standard. The applicable amount may therefore vary from this overview. For your MVV and/or residence permit application we have to check if you meet the living money standard as it is set by the Immigration and Naturalisation Service (IND). Non-EU/EEA students: The overview above is an indication of living expenses. **Following a language course is recommended but not mandatory. Start looking for rooms as soon as you can to get the best deals. * The price of a room will depend on its location, its size, how many people you share the facilities (bathroom, kitchen) with and the general quality of the building. On average between € 160 - € 310 per course Health care, third-party, fire and theft insuranceĮxchange students have to pay if they want to follow a language course, but full time international students are eligible for 50 free hours in language classes ![]() administration costs and security deposit of approximately 1 month rent)įor students who do not have a dutch OV-travelcard energy and other costs, for example ISP bills, excl. € 65 per month on average, or around € 780 per year 2022/2023 ( More information on tuition fees)
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