@Kiava my take home pay is approx £2,000 a month. I’m in my 20s with no kids.
I always ‘pay myself first’ which involves £200 in savings, £550 in investments. Then I live on whatever I have left.
The below is my average monthly expenses. If I have an expensive month such as car repairs etc, then I’ll cut out something else like food and drink out. All of the below expenses are 50% of total. My partner covers the other 50%.
Mortgage = £350.
Petrol = £80 (live 10 mins from work, mainly cycle, petrol expense is predominantly for weekend trips).
All house bills = £160. (bought my first house in Nov 2022, bought somewhere small and cheerful to keep costs down - council tax band B).
Food = £240.
Spotify = £5.
Food and drink out = £40.
Phone bill = £11.
House maintenance (DIY) averages around £30 a month.
Personal care (gym, hair cuts, running shoes etc) around £35 a month.
House insurance, car insurance etc is paid from my savings in a 12 month lump sum as it’s cheaper than paying monthly.