Housing costs: £650 rent

Loan payments: £0 – we left NZ with all our debts paid off, which feels like a small miracle.

Utilities: £194

Transportation: £54 for a bus card, although this month I’m not topping it up since we’re about to go away for two weeks and we are walking so frequently, so I’ll just get some mobile tickets.

Phone bill: £54

Savings: I pay our rent and bills as I got a job first when we moved here, so my husband pays for our gym memberships, charity donations, our savings (roughly £500-600) and a bit more of our social life.