Occupation: Head of marketing 
Industry: Hospitality 
Age: 34 
Location: Hampshire 
Salary: £95,000 
Paycheque amount: £5,400 
Number of housemates: Three: my husband (M) and two children (C and S). 
Pronouns: She/her 
 
Monthly Expenses 
 
Housing costs: £1,750 mortgage (includes overpayment).
Loan payments: None. 
Savings? £80,000 and shares of £18,000.
Pension? Yes. I follow the principle that every time I get a pay rise, I increase my pension by 1%. At my current job I negotiated a higher pension contribution from my employer — they put in 11% if I put in 7% — but I’ve increased my contributions to 11% too.  
Utilities: £125 bills, £35 water, £157 council tax.
All other monthly payments: £700 childcare, £219 car lease, £17 internet, £60 cleaner, £30 dog walker, £38 gym. Subscriptions: £26 contact lenses, £17 Spotify Family, £9 Netflix, £7 Audible, £7.99 Disney+, £50 charity (matched by my employer).  

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