Housing costs: £650 rent (my half, split 50/50 with my flatmate).
Loan payments: £250 credit cards, £175 repayment of surgery loan, £100 student loan repayment (deduced from my salary).
Savings: £300 in a Monzo savings pot, specifically for a holiday I’m going on in a few months’ time.
Pension? Yes — I pay 5.45% and my employer pays around 29%. Bonus of the civil service! I also have a couple of very small pots from other jobs I worked at uni that I need to consolidate (once I learn how to do that!).
Utilities: Electricity £55, Wifi £16.25, Water £25, Council tax £76.50 (all these are my half, split with my flatmate).
All other monthly payments: £60 nails, £40 wax (I budget these as part of my monthly spend as they are non-negotiables for me), £55 car insurance, £50 phone contract (this is for my mum’s contract too). Subscriptions: £10.99 Netflix, £17.99 Spotify, £29 ClassPass, £18.99 Gym.
