![\"\"](\"https:\/\/www.europesays.com\/uk\/wp-content\/uploads\/2026\/06\/how-i-saved-100-1544509-7458.jpg\")
\n\t\tGabriella first started work when she was just 15 (Picture: Gabriella Goddard\/SWNS)<\/p>\n
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\n\t\tGabriella first started work when she was just 15 (Picture: Gabriella Goddard\/SWNS)<\/p>\n
A 22-year-old management consultant has revealed how she\u2019s managed to amass over \u00a3100,000 in savings<\/a> \u2014 despite only earning a salary of \u00a335,000 from her main job. <\/p>\n Gabriella Goddard, from Bath in Somerset<\/a>, has credited her wealth to side hustles, trading investments, saving in ISA accounts, and teaching herself to stick to a strict budget.<\/a><\/p>\n Instead of going to university, Gabriella began a degree apprenticeship in management consulting aged 18, earning around \u00a31,400 a month.<\/p>\n However she immediately began investing, putting 60% of her earnings into a cash ISA \u2014 and then upped her savings game when her salary increased to \u00a31,600 in her second year.<\/p>\n At that point she began investing \u00a31,000 a month, putting \u00a3500 into a cash ISA and \u00a3500 into a Trading 212 stocks and shares ISA.<\/p>\n \t\t She also set up a content creation business managing social media<\/a> accounts for small businesses, as well as carrying out brand deals on her own social media pages, all of which brings her additional income of \u00a35,000 a month. <\/p>\n Now, Gabriella \u2013 who admits she sacrificed a lot of evenings and weekends in her teens to work on her side hustle \u2013 has \u00a370,000 in Trading 212 investments, \u00a323,000 in her workplace pension<\/a> and a further \u00a313,000 in an emergency fund, giving her a total of \u00a3106,000 stashed away.<\/p>\n She pays \u00a31,000 each month on average into her savings and stocks accounts while living with her parents in Bath, paying them \u00a3200 rent a month.<\/p>\n \t\t Gabriella explained: \u2018I learned about investing through social media \u2013 I was bored during Covid<\/a>, so I started doing some research. I asked for books on investing for my birthday and Christmas<\/a>. <\/p>\n \u2018At first, I was putting \u00a3500 into my savings and \u00a3500 into my investment account, then I got a little bit excited by it, and started investing way more.<\/p>\n \u2018I wouldn\u2019t recommend that, but because I was living at home, and had an emergency fund. I had a bit of a safety net.\u2019<\/p>\n Gabriella first began working when she was 15, earning \u00a34 an hour in a garden centre, which she credits with teaching her the importance of budgeting, and influenced her decision to do an apprenticeship rather than go to university, despite getting three As in her A-levels.<\/p>\n \u2018I was so bored of education and the money and lack of student debt was enticing\u2019, she said.<\/p>\n \t\t She was paid \u00a318,500 in her first year, openly admitting that the sum seemed huge for an 18-year-old, meaning that it \u2018took a few months\u2019 for her to learn how to budget.<\/p>\n \t\t\t\tDon’t miss our Money tips! Add us as a Preferred Source\t\t\t<\/p>\n At Metro Money, we’re here to bring you all the latest news and advice on personal finance, cost of living, saving and investing. As part of our vibrant community of highly engaged readers, we want to make sure you never miss our articles when searching for stories.<\/p>\n Click the button below and tick\u00a0Metro.co.uk<\/strong>\u00a0to ensure you see stories from us first in Google Search.<\/p>\n \nAdd us as a Preferred Source<\/a>\n<\/p>\n \t\t However, she soon got the hang of it, setting herself the target of saving 60% of her earnings.<\/p>\n As well as paying rent to her parents, she paid \u00a3350 towards other expenses including her phone bill and car<\/p>\n When her salary rose to \u00a323,000 in her second year, she reached \u00a310,000 in her cash ISA account. Using that as a three-month emergency fund, she then upped the amount she was putting into her stocks and shares account to \u00a31,000 a month.<\/p>\n \t\t In her final year, her salary rose to \u00a335,000 a year \u2013 around \u00a32,100 a month \u2013 which was when she began her side hustle, managing Instagram<\/a> accounts for two small businesses, until she was forced to take a step back for her own wellbeing.<\/p>\n \u2018It was basically another full time job,\u2019 she explained. \u2018I was working all the time. It wasn\u2019t healthy.\u2019<\/p>\n Instead she now focuses on her own social media and makes around \u00a35,000 a month from brand deals on TikTok. <\/p>\n While her rent and other expenses have increased to \u00a3500 and \u00a3900 respectively she is still saving a significant amount each month.<\/p>\n \t\t Gabriella admits that she is constantly asked whether she might use the money to get on the property ladder but she has no plans to at the moment as the housing market \u2018isn\u2019t as profitable as it used to be\u2019.<\/p>\n \u2018I don\u2019t want to completely wipe out my investments and savings for a house I probably couldn\u2019t even afford furniture for,\u2019 she said.<\/p>\n She is also encouraging others her age to give investing a go by putting in a little bit of disposable income every month \u2014 and is keen to stress that she\u2019s made her money through her own hard work.<\/p>\n \u2018This money definitely wasn\u2019t handed to me,\u2019 she said. \u2018A lot of people assume I\u2019m just a posh girl from Bath whose had everything given to her, but there\u2019s been a lot of hard work and sacrifice.\u2019<\/p>\n \t\t\t\tGabriella’s monthly budget \t\t\t<\/p>\n Salary per month \u2013 \u00a32,100 Rent \u2013 \u00a3500 \u00a3800 \u2013 \u00a31,000 invested in Trading 212 Arrow Arrow Arrow![\"\"](\"https:\/\/www.europesays.com\/uk\/wp-content\/uploads\/2026\/06\/how-i-saved-100-1544510-5332.jpg\")
\n\t\tGabriella works as a management consultant (Picture: Gabriella Goddard\/SWNS)<\/p>\n![\"\"](\"https:\/\/www.europesays.com\/uk\/wp-content\/uploads\/2026\/06\/how-i-saved-100-1544511-5be4.jpg\")
\n\t\tGabriella chose an apprenticeship over university despite excellent exam results (Picture: Gabriella Goddard\/SWNS)<\/p>\n![\"\"](\"https:\/\/www.europesays.com\/uk\/wp-content\/uploads\/2026\/06\/how-i-saved-100-1544512-17f7.jpg\")
\n\t\tThe 22-year-old forced herself to stick to a strict budget (Picture: Gabriella Goddard\/SWNS)<\/p>\n![\"\"](\"https:\/\/www.europesays.com\/uk\/wp-content\/uploads\/2026\/02\/SEI280784796-2946.png\")
\n\t\tOur Money experts are here to give you the latest tips and insider guides<\/p>\n![\"\"](\"https:\/\/www.europesays.com\/uk\/wp-content\/uploads\/2026\/06\/how-i-saved-100-1545618-e752.jpg\")
\n\t\tShe makes over \u00a35K a month from a side hustle (Picture: Gabriella Goddard\/SWNS)<\/p>\n![\"\"](\"https:\/\/www.europesays.com\/uk\/wp-content\/uploads\/2026\/06\/how-i-saved-100-1545619-b373.jpg\")
\n\t\tGabriella has stressed she made her money through her own efforts (Picture: Gabriella Goddard\/SWNS)<\/p>\n
Income from content creation \u2013 \u00a35,000<\/p>\n
Other expenses (food, car etc.) \u2013 \u00a3900<\/p>\n
\u00a3200 put in Cash ISA
\u00a3200 put into workplace pension<\/p>\n
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