Photo credits and licencesRegular household spending
Create separate lines for housing, utilities, education, transport, insurance, connectivity and food. Give each estimate a range and record where it came from.
One-off payments
Add deposits, furnishing, document costs and moving belongings. Establish which payments are refundable and which are service charges.
Compare two scenarios
Work out a baseline and a higher-cost scenario. See how choosing a different school, neighbourhood or mode of transport changes the total.
Replace estimates with quotations
As school and housing quotations arrive, update the provisional amounts. Keep monthly and annual costs clearly separate.