Housing costs: £229.50 is my half of our mortgage, plus half of our £120 monthly overpayment.
Loan payments: £0
Utilities: My half of the utility bills is £60 gas and electric, £56.50 council tax, £35.75 water, £6.50 TV licence, £14 internet, £17.50 home insurance.
Savings? I save monthly into different online saving pots. Long-term I have £11,000 in an ISA, only to be touched in a dire emergency. Short-term I save into three websaver accounts, there’s about £1,000 divided between accounts for emergencies (such as the washing machine breaking, which happened last month), adventures (theatre tickets or holidays or visiting friends) and healthcare (I started this one when I needed to pay privately for therapy. I now have a good buffer if I need it again in the future, which is reassuring). S and I have £13,000 in our joint account, which is earmarked for new windows. We each pay £600 into our joint account monthly. What doesn’t go on bills is saved for house maintenance and holidays.
Pension? I pay 5.5% and my employer pays 10%.
All other monthly payments: £20.50 phone. Subscriptions: £5.50 Netflix, £8.99 Amazon Prime, £16 Sugar and Sloth stationery box, £11 NHS prescription prepayment, £2.50 Trefoil Guild membership, £2.49 milkman (or orange juice man in my case).
