Real monthly costs after a year in NL — my breakdown (single, full-time)

Before moving I tried to find honest numbers about living costs here. Most lists were either too optimistic or five years old. So here is mine: one year in, single person, full-time job, small apartment outside the city centre.

• Rent: €1,150 including service costs. The painful one. Wrocław me would not believe it.
• Health insurance: €152/month for the basisverzekering. On top of that comes the eigen risico: in 2026 you pay the first €385 of most care from the basic package yourself (rijksoverheid.nl). Visits to the huisarts do not count towards it, which I did not know in year one. I have read talk of this amount changing in future years, but could not confirm anything — check rijksoverheid.nl yourself before you budget too far ahead.
• Groceries: €70-80 per week if I cook. More if I get lazy.
• Utilities and internet: about €180/month.
• Municipal and water board taxes: roughly €60/month spread over the year. These arrive as separate letters and surprise everyone exactly once.
• Phone: €12.

Two things that helped. First, a proefberekening for zorgtoeslag on belastingdienst.nl — I am above the 2026 income limit of €40,857 for singles, but check yours. Second, putting the €385 aside in January, so a hospital bill is boring instead of stressful.

What are your numbers? Especially curious about family budgets — mine is the easy mode.