Money Diary: A 25-Year-Old Operations Manager On 40k

Welcome to Money Diaries, where we're tackling what might be the last taboo facing modern working women: money. We're asking a cross-section of women how they spend their hard-earned money during a seven-day period – and we're tracking every last penny.
This week: "I’m a 25-year-old operations manager working in the media world. I live in London with my mum and three siblings. I graduated three years ago (LORD) and I’m currently saving to buy a house with my boyfriend of four years, A. I have spreadsheets for everything. Honestly, everything. These are what I use to fund my pre-COVID and (hopefully) post-COVID lifestyle. I received two promotions in quick succession last year and I’m currently working on a third one for the start of 2021 (y’all pray for me). I am a first-generation immigrant so while I was born here, my parents were not, and as the eldest of four children a lot of the financial responsibilities fall on me."
 
Industry: Media/publications
Age: 25
Location: London
Salary: £40,600
Paycheque amount: £2,392.37
Number of housemates: Four
Monthly Expenses 
Housing costs: £600
Loan payments: £101 student loan, taken from my salary.
Utilities: £0. Mum pays for those, I pay for everything else.
Transportation: £0 (YASSSS TO WFH).
Phone bill: £20 SIM only, I’ve reached that age where new tech is not the goal.
Savings? £17,617. I've luckily been able to save 12k of this in the last 12 months alone.
Other: £4,000 saved for holibobs which were meant to happen this year – Thailand will be seeing me at some point. £83.33 to pension taken by salary sacrifice. £3.99 for Audible, I read a lot. £8.99 for Netflix. £4 for Disney+, my bf pays for the rest. £40 for hot yoga. £11 for Headspace, which I get through work annually. £15 for an Insta workout subscription. £50 to a food bank charity, this hits close to home because my family has had to use this and there is no shame in needing to!
If you are interested in being commissioned (paid) to write your own money diary, please drop us an email with a bit of information about you and your situation to moneydiary@refinery29.uk. Apologies but we aren't able to respond to every email.

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