Housing costs: Our mortgage is £550 a month and we go halves. What we do is each put £700 into our joint account every month and we know that will cover our mortgage, household bills and money for food shopping. Then we pay any other bills (phone contract, gym) separately.

Loan payments: I pay £100 on my credit card. I had the worst luck with my car last Christmas and ever since I’ve been chipping away at my credit card. Only £500 to go...sigh. I also have a £116 bank loan repayment that I took out to buy a new car. The bad luck I had last year resulted in me packing it in and buying a new car, which I took out a personal loan for.

Student loan: £110

Utilities: £11 gym

Transportation: I spend £80 on average on diesel a month.

Phone bill: £36

Savings? Before we got married we were saving £320 each a month for the wedding. Some months were harder than others but we managed to be strict and commit to saving that amount each and every month. We want to keep this good habit up so we’re putting aside £250 each a month now.