Housing costs and utilities: My share of the mortgage is around £125, however my partner and I put £500 a month each into our joint account. This covers the mortgage, utilities, council tax, weekly grocery shops, various insurances (life, home, breakdown and pet), entertainment subscriptions (Netflix, Disney+, English Heritage etc) and most expenses for our dog.
Loan payments: £100 a month to pay off various student overdrafts and credit cards. I recently consolidated all of my small debts into one loan and it's made a huge difference as it comes out on payday so I don't even notice it.
Transportation: £60 a month for parking at work, split with my partner as we work in the same office. We usually spend around the same on petrol but this has been nearer £30 a month since lockdown. No other monthly payments for transportation since we bought our little used car outright and also paid our insurance and tax upfront this year.
Phone bill: £23 a month.
Savings? I put away between £200 and £600 depending on the month. I use an app that calculates how much I can afford to save but tend to top this up regularly. I currently have around £3,500 in savings across various accounts. Most of this is allocated to our wedding, which has been moved back a year due to COVID-19.
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August 15, 2020 at 01:00PM
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Money Diary: A 26-Year-Old Civil Servant In Durham On 24k - Refinery29
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