If this is your first time you will be setting up a home and managing household bills you need to think about the things you will need to start with:
Here's a list of the basics:
Once you have set up a home there will be regular bills to pay including:
How do I work out how much money I will need?
You have to be honest and realistic about how much money you have coming in, what bills you will have and the initial cost of setting up a home.
How do I know how much my bills will be?
Remember, that your bills will be higher in the winter. The following ‘Rough Guide’ is what you may pay for your gas and electricity.
(figures taken from www.switchwithwitch.co.uk)
You costs will vary depending upon the number of people living in the property.
If you are offered a property by Berneslai Homes, we will tell you how much your rent is going to be, but it will range from £48.00 to £68.00 per week. Council tax is in Band ‘A’ for most council properties. The annual bill for 2008/09 was £882.43 which is £16.97 per week. You can find out if you could qualify for help with your rent and council tax by going to Barnsley Councils Website and using the benefits calculator.![]()
The average annual water bill for council properties is £330.00, which is £6.35 per week. You can visit http://www.yorkshirewater.com/ to see if having a water meter fitted, would save you money
These will vary from household to household. Typical costs for 2008 are: ![]()
In 2008, a TV Licence cost £135.50 a year for colour, and £45.50 for black and white. You can spread the cost of paying for your TV Licence. The weekly equivalent is £2.61. Visit www.tvlicensing.co.uk for further information.
Berneslai Homes can arrange Contents Insurance for you. The cost range is from £0.85 to £3.29 per week The cover ranges from £6,000 to £35,000. Visit our Home Contents insurance section.
I can’t afford new furniture and all the other items I need - what do I do?
Don’t be tempted to borrow from a doorstep seller or illegal money lender to buy things. The interest rates charged are very high and this can make it difficult to pay off the loan. Avoid furniture stores that charge high rates of interest. You will pay more than is shown on the price ticket.
There are a number of Charity Stores with good quality second-hand furniture, and white goods within the Barnsley area:
Ask if any members of your family have furniture they no longer want or need.
Budgeting Loans
If you are receiving Income Support, Income-based Jobseekers Allowance or Pension Credits, you may be able to apply for a budgeting loan to pay for essential furniture. These are interest free, so you only pay back the amount you borrowed.
Visit http://www.jobcentreplus.gov.uk/
South Yorkshire Credit Union![]()
The Credit Union may be able to help you, with a low-cost loan. They have offices in Barnsley (phone 01226 734945) and Goldthorpe (phone 01709 897487).
Need help and advice!
For further help and advice, please contact Berneslai Homes Rents Section by phoning 01226 774613, 01226 774631 or 01226 774685. You can also email them at Rents@berneslaihomes.co.uk
Useful information: