Housing costs: £200 – P’s family own several houses and at the moment we live rent-free in one of them. P doesn’t have a mortgage and doesn’t really want me to pay rent. But I pay him £200 because there are still bills like council tax and heating to cover.

Loan payments: £50 for a credit card. I don’t really like using credit cards, but I got one last year to help with credit rating for when we buy a house. I treated myself to a handbag, and now pay a direct debit of £50 to clear this.

Utilities: £0

Transportation: £220 for fuel

Phone bill: £38

Savings: I currently have around £21,000 in savings. I have a separate saving pot whereby if I have any money left out of the £1,800 I pay myself, I put it towards things on my wishlist. These are things I really like, but are quite expensive. On this year’s list I have a leather jacket from All Saints, Russell and Bromley Chelsea boots, and an Apple watch.

Other? Contact lenses £9 but my dad pays for these even though I constantly ask for them to be transferred over (I can’t do it without him present). Gym membership £18

Committee*: £200