Housing costs: £363.65 for rent and service charges. I have a shared ownership flat; my parents helped me buy a 25% share, so I pay rent on the 75% I don’t own. It was a big decision to do this rather than rent normally, but I think it’ll work out best in the long run. When I sell, we’ll split the money between me and my sister, so we’ll each have some money we can use as a deposit for our own places.

Loan payments: £80 by direct debit to my parents each month to pay back money I borrowed for course fees, and a minimum payment of £25 for my credit card (plus whatever else I can afford to pay off in chunks to both). I do have a student loan, but I don’t earn enough to pay it off yet.

Utilities: £66 council tax, £15 water, £46 electricity, £12.37 TV licence, £7.98 contents insurance and £17 broadband (which I signed up for a couple of years ago after realising I was spending more on coffee while using the free Wi-Fi in Costa).

Transportation: £186.40 a month for my annual travel card for work, which gets deducted from my salary as part of a loan scheme (over 10 months rather than 12, so I won’t have to pay in November or December), plus any extra travel into London for auditions and stuff, which really varies month to month (but thankfully is claimable as expenses against tax… Yay for being self-employed!).

Phone bill: £43.68

Savings? None

Other: £15.99 for the gym, £4.99 for Apple Music and £0.79 for extra iCloud storage. I use my parents' Netflix for free.