Replying to @tdeee44 Pensions are a super sneaky way that you are probably investing without having any idea! 😬 But how do you know if you've got one? 1. You’re classed as a ‘worker’ 👨‍🔧 2. You’re aged between 22 and State Pension age 🤔 3. You earn at least £10,000 per year 💸 4. You usually (‘ordinarily’) work in the UK 🇬🇧 If you meet these criteria then you NEED to look into what it's doing! 👀 If you have any questions, leave a comment and follow for everything money 💰 #penion #persionuk #investing #investinguk #invest #personalfinance #personalfinanceuk

Seriously, there is a point to this ⬇️ Being open and honest about bills and wages is vital to making sure they you aren't being over charged or under paid. 😬 Listing out all your bills like this, not necessarily cash stuffing, is a great way to see where you could save a bit of money 🤑 With wages, I like to show that it is possible to earn a decent amount of money without the formal routes of education, so please, if you have any questions about my career path, don't be afraid to leave a comment 👀 Have a great weekend, love you all 💕 #budget #budgetuk #personalfinance #personalfinanceuk #cashstuffing #loudbudgeting

Payday routine Budgeting my 53k salary Earnings 💸 - £1055 - This is not my take home… Deductions 🤔 - Tax and NI = £235 - Pension & Union = £55 - My pension & union are both PRE TAX Take Home 💷 - £765 - This money then goes into my 1st debit account. House Bills 🏡 - £370 - House bills are the only thing that comes out of this account Variable Bills ⛽ -£190 These come out of my second account so that if there is any overspending, it won't affect me paying off my total bills Discretionary Spend 🛍️ -£70 This is a fund for me to spend on whatever I want Saving 💰 - £205 - This can be used later in the year for things such as holidays Investing 📈 - £70 - As every good boy or girl should ;) #personalfinance #personalfinanceuk #save #saveuk #payday #paydayroutine #budget #budgetuk

6 accounts that YOU SHOULD HAVE! 1. Debit account with benefits ✅ This is an account that your income comes into and your main bills come out of 2. 2nd account for intermittent switching and bill splitting 🔀 This is for separating your important bills from your fun expenses, so a shopping spree on this account won't affect you paying your rent. 3. Instant access high interest account. 💰 This is where your emergency fund of 3-6 months of monthly outgoing should be. 4. Pension 🧓 If you're over 22 then you are auto enrolled into a workplace pension, but make sure you have access to this and you know what it's doing. 5. Credit Account 💳 This can be used to help build your credit score, and it can be a great way to earn rewards on your spending, however they can be dangerous if not used properly. 6. Travel card 🏖️ Everyone needs to go on holiday, so travel cards which charge no fees on transactions and have good exchange rates are a must. Now these 3 accounts are only for specific people 3️⃣ 7.S&S ISA📈 These are for anyone looking to start investing as if you don't go through an ISA, you won't be able to utilise the 20,000 tax free on deposits into this account 8.LISA 🏡 This is for anyone buying a house, as this account will give you a 25% free government bonus for any money you put in. However there are criteria to getting this, so be careful. 9. Premium bonds. 🪙 If you're a lottery player, stop, and instead put money into premium bonds. #budget #budgetuk #save #saveuk #bank #bankuk #personalfinance #personalfinanceuk #LISA #PERMIUMBONDS #INVESTING #investinguk

'Loud Budgeting' is the new craze, so I thought I'd kick it off with my 2023/2024 finances wrapped!💰 If you want a full break down of my bills I can defo do that easy peasy! But if you have any other questions please don't hesitate to get in contact.🫡 If you want access to a finance track spreadsheet pop me a message, but I really do recommend doing this, being open and honest about your finances is a great way to open yourself up to new opportunities and learn about the space you work in!🔍 But a word of warning, remember, DO NOT SHARE YOU R ACCOUNT DETAILS WITH ANYONE! ❌ Anywho, love you, byeeeee xox #personalfinanceuk #personalfinancetips #personalfinanceuk #budgeting #budgetinguk #budget #loudbudgeting #moneysaving #moneysavingtips