Monthly Expenses
Housing costs: £800 mortgage
Loan payments: £0
Utilities: Approx £400 (B contributes £300 to cover half the bills and some of the shared subscriptions so in reality only £100 for me).
Transportation: Virtually nonexistent right now – maybe £50pm on fuel (plus all the normal annual car costs).
Phone bill: £13 SIM only.
Savings: £70k spread across current account, ISAs, various saving pots and a stocks and shares ISA. I transfer all my spending money and some savings to Monzo each month and just leave my current account to get on with paying all the direct debits. At some point I need to make a firm decision and stop letting money sit around earning me no interest in case of a 'rainy day' or my perennial fear of redundancy. I do try to overpay my mortgage regularly but again have this fear of not having accessible cash.
Other: I have a disgusting number of subscriptions… Netflix £5.99, Prime £79pa, Apple Music £9.99, Audible £7.99, Beauty Pie £20pm, Dermatica subscription £20pm, lottery syndicate £20pm (worst thing I ever started doing, have paid into this for seven years and never won anything worth writing home about but daren't leave now – I rage about it every month), gym £150pm (including PT now that my gym is open again).
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Money Diary: An Operations Director In Cambridge On 122k - Refinery29
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