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Rents in the UK average £1,100/mo (£13k/year), while Council Tax averages £2k, water is £400, and a family mobile service comes in at £1k/year. Add £300 for broadband and £2k for energy (a figure that is shooting up as you read these words).

Then there's a car (£3k/year), food (minimum £100/week for a family, or £5k/year), and you're at £26k/year. That leaves £5k/year for clothes, Christmas gifts, and a holiday.

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