{"id":100177,"date":"2025-05-14T07:22:08","date_gmt":"2025-05-14T07:22:08","guid":{"rendered":"https:\/\/www.europesays.com\/uk\/100177\/"},"modified":"2025-05-14T07:22:08","modified_gmt":"2025-05-14T07:22:08","slug":"a-civil-servant-on-42400","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/uk\/100177\/","title":{"rendered":"A Civil Servant On \u00a342,400"},"content":{"rendered":"<p><strong>Housing costs: <\/strong>\u00a3650 rent (my half, split 50\/50 with my flatmate).<br \/><strong>Loan payments: <\/strong>\u00a3250 credit cards, \u00a3175 repayment of surgery loan, \u00a3100 student loan repayment (deduced from my salary).<br \/><strong>Savings: <\/strong>\u00a3300 in a Monzo savings pot, specifically for a holiday I\u2019m going on in a few months&#8217; time.<br \/><strong>Pension?<\/strong> Yes \u2014 I pay 5.45% and my employer pays around 29%. Bonus of the civil service! I also have a couple of very small pots from other jobs I worked at uni that I need to consolidate (once I learn how to do that!).\u00a0<strong> <\/strong><br \/><strong>Utilities:<\/strong> Electricity \u00a355, Wifi \u00a316.25, Water \u00a325, Council tax \u00a376.50 (all these are my half, split with my flatmate).<br \/><strong>All other monthly payments:<\/strong> \u00a360 nails, \u00a340 wax (I budget these as part of my monthly spend as they are non-negotiables for me), \u00a355 car insurance, \u00a350 phone contract (this is for my mum\u2019s contract too).\u00a0Subscriptions: \u00a310.99 Netflix, \u00a317.99 Spotify, \u00a329 ClassPass, \u00a318.99 Gym.<\/p>\n","protected":false},"excerpt":{"rendered":"Housing costs: \u00a3650 rent (my half, split 50\/50 with my flatmate).Loan payments: \u00a3250 credit cards, \u00a3175 repayment of&hellip;\n","protected":false},"author":2,"featured_media":100178,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3093],"tags":[51,474,8448,2499,16,15,8449],"class_list":{"0":"post-100177","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-finance","10":"tag-money-diaries","11":"tag-personal-finance","12":"tag-uk","13":"tag-united-kingdom","14":"tag-work-money"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@uk\/114504988425061033","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/100177","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/comments?post=100177"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/100177\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media\/100178"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media?parent=100177"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/categories?post=100177"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/tags?post=100177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}