Housing costs: £885
Loan payments: £0
Credit cards: I own an AMEX which I sometimes use for larger purchases and repay at the end of the month.
Utilities: ~£150-165 monthly (council tax, water, gas and electricity, internet, TV licence etc.).
Transportation: I budget about £100 for this.
Phone bill: £24 for a SIM-only contract.
Savings? £6.5k in emergency fund and ~£15k in other savings. After rent I have about £3,000 left and I save about 67% of this on average. I have various pots based on my goals. Cash LISA pot (£400), Help to Buy ISA pot (£200), Stocks and shares ISA (£900), Stocks and shares (handpicked) (£200), Travel pot (£250), Cryptocurrency pot (£50).
Other: The rest of my money goes towards lifestyle costs like food, fitness, subscriptions, family support, charity donations, self-care. Food is my biggest personal cost at the moment. I spend about £450 on this monthly, which includes groceries, eating out and entertainment.
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April 28, 2021 at 01:00PM
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Money Diary: A 28-Year-Old Software Engineer On 72.5k - Refinery29
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