Is our monthly budget too lax?
Resume IA
Un couple cherche à optimiser son budget mensuel de 6860£, avec des dépenses de 4234£ et une épargne de 2626£. Ils cherchent à réduire certaines dépenses pour augmenter leur épargne.
Conseil cle
Réévaluer les dépenses et les priorités pour optimiser l'épargne
Hello! My husband (28M) and I (27F) are both working full time. We don't have children at the moment but we both are looking into having one very soon (fingers crossed). After this month, I now earn £69000 while he earns £44000 (subject to increase this month) which brings our monthly net to £6860. This is what our monthly outgoings look like: Rent: 1280 Groceries: 280 Electricity: 170 Council Tax: 180 Water: 37 (will increase) Subscriptions: 47 Car expenses: 360 (will likely go up after we get a car) Transport: 300 (I work 2 hours away) To extended family: 430 Mutual fun fund: 150 (for takeout and couple expenses) Individual fun fund: 800 (400 each, which include personal stuff like gym subscription or new phone) Travel fund: 200 Monthly expense: £4234 Savings: £2626 Short term changes 1. Individual fun fund from 400 to 250 2. Increase mutual fun fund from 150 to 200 Long term improvements 1. I help my sibling with her uni hence the £430 but she's about to graduate next year so it'll go down to £200 (I feed the family dogs and pay for their vet bills) 2. We're looking into moving closer to where I work later this year so our rent and transpo cost "might" go down. Other than that, I don't know where else to optimize.