Monthly Expenses
Housing costs: I have an unusual arrangement in that I rent off a friend who owns the house (with his girlfriend) so I pay rent to them rather than a landlord. Because it's their house, they sort the bills etc. (which is lucky for me but makes sense I guess) so I have a direct debit of £800 to him every month to cover my rent, bills and council tax.
Loan payments: I have a student loan, which comes out before my paycheque is issued. I also have about £500 on my credit card because of some overspending last month so am paying that back incrementally.
Savings? I have £10,000 in a savings account which I try to put the same amount of money into after my paycheque each month, then dip into it if I need to (though I try not to). I also have a holiday pot in Monzo. I use the 'round up' function but am always stumped at how this fails to accrue any meaningful amount of money – about £30 after six months!
Pension? I have a pension which I pay 5% into via salary sacrifice. I’m yet to consolidate this with the pension pots from my two previous jobs.
Utilities: Taken care of by my friend-landlord but council tax is around £40 each and bills are in the region of £70 each.
All other monthly expenses: Phone bill £20. Subscriptions: I have a wool subscription for £12, a direct debit to a charity for a cause close to my heart £30, and a rugby club membership which is yearly but works out to around £15.40 a month.
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