Family & Relationships guide

Agree how to split shared household costs

Set up a fair, written arrangement for sharing rent or mortgage, bills and family spending, whether you are a couple, a blended family or sharing adults.

Time needed: 1–2 hoursUpdated: 28 September 2026

Arguments about money often come from unclear expectations rather than lack of money. A simple written agreement about shared costs makes things fairer and calmer. This guide helps you list costs, choose a method and review it as circumstances change.

Step by step

  1. List every shared cost

    Write down rent or mortgage, council tax, energy, water, broadband, phones, insurance, food, childcare, transport and regular subscriptions. Include irregular costs such as car servicing, school trips and birthdays averaged over the year.

Members

The rest of this guide is for members

This guide continues with 4 more sections. Unlock this guide and all 207 ABCDayZ guides with checklists, troubleshooting and next steps.

£3.99 for 1 month or £29 for 12 months. One payment, no automatic renewal.

Unlock all guides

Already a member on another device? Open your personal access link. Bought Programming with AI? Your first month is included.