But conversations about financial wellnesswhich is crucial to well-beingare in large part still very hush-hush.
I decided to start saving enough money to really pursue that goal.
I was making $64,000 a year and did everything I could to save.
I allowed myself $200 a month for expenses like going out at night or shopping.
It also helped that I worked in college and graduated with some money in my savings account.
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He agreed and I went from July through August 2016, staying with my half-sister, who lives there.
Toward the end of my stay, I met my future husband.
Now, I work full-time in digital marketing at a local government authority in London.
My husband is a teacher and he makes $55,000 a year.
Mortgage:$1,000/month.My husband and I have a two-bedroom, one-bathroom house close to Central London.
We split the mortgage right down the middle, $1,000 a month each.
Recurring expenses:$181/month.
All those bills, my husband and I split equally, so thats what I pay for my half.
As for transportation costs, during the pandemic its been almost zero because Ive been working remotely.
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I also pay $8 a month for Disney+.
I use my sisters Netflix account, my husbands Amazon Prime, so I dont pay for those.
Business expenses:$3,000/year.Launching my own business was definitely an investment.
The most expensive part was registering it as an official business.
I do my grocery shopping at Tesco, which is a chain grocery store.
I dont have any dietary restrictions, so I just eat what I want for the most part.
I love Italian foodespecially pizza.
My husband does cook, but I do the majority of the cooking and meal planning.
We go to Tesco every other week, spending $100 each time.
We do eat out quite a bit, so I budget $150 a month for that.
Theres especially really good Indian food in London, so thats something I love to get.
Fitness:$22.50/month.We bought a Pelotonduring the pandemic, which was $2,495.
With the shoes and tax, I think it came out to close to $3,000.
We paid it in full when we bought it to avoid having a monthly bill for the bike.
The subscription is $45 a month, which we split in half, each paying $22.50.
I also live close to the park, so sometimes Ill go running.
I really want to buy some roller skates and start trying that out, too.
I also just bought ahula hoop,which has been really fun to use.
I get my eyebrows threaded every six weeks, paying about $9 each time.
In terms of makeup, I dont buy it very oftenmaybe a few palettes a year.
For example, theres anUrban Decay Naked paletteI like.
Self care:$20/month.One of mybiggest forms of self care is baking.
I love making cool cakes and experimenting with different flavors and textures.
I also watch Netflix to relax and numb my brain.
Besides that, something I like to do for myself is buy bubble tea.
Its a small, affordable luxury that makes me happy.
Weve budgeted $3,000 each for these expenses.
Having savings provides the freedom to not be afraid to try the things you really want to do.
Thats how I give a shot to live my life, at least.
If something is important to you, you have to go for it.
*Last name withheld.
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