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Money for Life work in partnership with the Money Advice Service, an independent organisation set up by government. Money AdviceService provides free, unbiased money guidance across the UK to help people make the most of their money.  If you have a question or need help, you can chat to them here.

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Spending Diaries: Lab Apprentice

Every two months Money for Life is teaming up with a young person and publishing their Spending Diary written over a week, tracking their spendings and sharing their money and budgeting tips and tricks.

 

Job:  Lab Apprentice at GSK (FdSc Applied Bioscience with University of Kent)

Age: 19

Location: Hertfordshire

Salary:  £17,000
Monthly paycheck amount: £1,180

Monthly allowance from parents: £400

Living conditions: With 3 housemates

 

Monthly Expenses

Rent: £500

Utilities: ~£60 (gas, electricity, wifi, water)

Groceries: ~£80

Car: ~£200 petrol, £75 insurance
Savings: What I can, when I can.

Other: Netflix £7.99, NOWTV £7.99, Gym £23.95

Total: £954.93

 

Diary:

Monday

8am – Arrive at work. I go to the canteen to buy some breakfast. I buy a pot of fruit, granola and yogurt from the yogurt bar, which came to £1.99.

11:50am – I can’t wait for lunch any longer – everyone in the office can hear my tummy rumbling. I buy a tuna mayo baguette, a packet of salt and vinegar crisps and an apple from one of the cafes on site, £4.40.

4:30pm – I arrive home from work and I walk to Aldi to do a food shop (why anyone would shop anywhere other than Aldi I have no idea). I buy some essentials: frozen chicken, sweet potatoes, yogurt, apples, breakfast snack bars and a few other bits which comes to £16.40.

6pm – I’m not very hungry, so dinner this evening is pitta bread with red pepper humous, and a mini strawberry cheesecake. I cook some pasta for a tuna pasta bake. As always, I have cooked way too much pasta, so I have enough for two meals.

Total spending on Monday: £22.79

 

Tuesday

7:45 – I’m ready for work and I’m packing my breakfast/lunch. For breakfast, I pack some frozen strawberries/raspberries (I buy frozen fruit because it’s cheaper and lasts longer), a yogurt and a snack bar. For lunch, the tuna pasta I cooked last night.

12pm – I buy a can of coke to drink with my pasta for lunch 99p

6pm – I eat the rest of the tuna pasta for tea (boring I know but can’t waste food). This evening I cook a chicken stir fry and noodles, making two portions so I have lunch again tomorrow.

Total spending on Tuesday: £0.99

Wednesday

8am – Arrive at work and eat my breakfast, which is the same as yesterday and is usually the same every day.

12pm – I eat my lunch, which is the chicken stir fry that I cooked last night. I also have an apple and a pack of crisps.

4:30pm – Tonight my boyfriend, Jamie, is coming to stay, so I go to pick him up from the train station in Watford. On the way home, we go to Asda to pick up some food for dinner. We buy mac and cheese, coke, and way too many snacks, we split the price and it’s £7 each.

Total spending on Wednesday: £ 7

Thursday

8am – I get up and make breakfast for Jamie and I. I drop him off at the local train station, he’s working in London today, before continuing to work.

11am – I’m meeting my boyfriend in London for dinner this evening, so I buy a return ticket £17.40.

12pm – It’s stir fry for lunch again today. I have an apple but I don’t eat it because I’m not very hungry.

4pm – I leave work and drive to the train station, I leave my car in a restaurant car park because I don’t want to pay for parking, I just hope I don’t get a ticket!

5pm – Jamie and I meet in Kings Cross station, and we walk to a Pizza Hut. We each have 3 courses, and we use a TasteCard, so it’s 2 for 1. We split the bill, £16 each, bargain!

8pm – I get the train back, and before driving home, I go to Asda for petrol £52.

Total spending on Thursday: £ 85.40

 

Friday

7:45am – I’m driving to my home town Shrewsbury tonight, so I pack all of my things into the car. I also pack breakfast, which today is just a breakfast bar and an apple, because I need to do a food shop.

12pm – Lunch is left over mac and cheese from the other night.

4pm – I leave work and start my drive back to Shrewsbury.

7:30pm – After a long drive, I finally arrive at my boyfriend’s house, I pick him up and we go to KFC to get some dinner. I spend £8.58.

Total spending on Friday: £8.58

 

Saturday

9am – Wake up and give Jamie a lift to football

3pm – I pop to Tescos for some moisturiser and I come out with a top, typical me! £15.50

7pm – Jamie, his parents, my parents and I are going out for dinner together. Kindly, our parents paid for this, so it didn’t cost me anything!

Total spending on Saturday: £15.50

Sunday

11am ­– We pop to the shops to buy some snacks before going to Jamie’s mum’s house for lunch. I buy some deodorant too, £3.20

3pm – I travel back to Herts early today, I am going on a residential and the Uni of Kent, something that we must complete to get our apprenticeship.

6pm – I arrive in Herts, and I get some petrol as the light came on, £53

6:30pm – I pop to the shops for some squash 79p.

8pm – We set off to Kent for our residential for the week!

Total spending on Sunday: £ 56.99

Total Spend for the week: £197.25

 

 

Watch out for the next Spending Diary coming out soon. 

Are you interested in writing a Spending Diary?

Get in touch with veronika.hofmann@ukyouth.org 

 

 

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Money for Life work in partnership with the Money Advice Service, an independent organisation set up by government. Money AdviceService provides free, unbiased money guidance across the UK to help people make the most of their money.  If you have a question or need help, you can chat to them here.

Launch Chat

Chat to the Money Advice Service
Monday to Friday, 8am to 6pm
Saturday, 9am to 1pm.