WEBVTT 1 00:00:02.519 --> 00:00:04.719 I'm a salesperson's dream. 2 00:00:15.639 --> 00:00:16.480 Hi, I'm Megan. 3 00:00:16.480 --> 00:00:19.920 I'm 26 and a mum of one, and I'm an operations manager. 4 00:00:25.480 --> 00:00:31.000 I spent 850 on my rent, 170 pounds on utility bills. 5 00:00:31.199 --> 00:00:36.000 I spend about a hundred pounds on food shopping, but then I spend about 200 6 00:00:36.000 --> 00:00:40.440 pounds on eating out or takeaways because 7 00:00:41.159 --> 00:00:42.639 I don't have time to cook. 8 00:00:43.559 --> 00:00:45.920 I don't spend anything on childcare yet. 9 00:00:45.920 --> 00:00:51.559 And so, at the moment it is literally milk and nappies. Transport, a hundred pounds. 10 00:00:51.559 --> 00:00:56.159 I just fill up my car with petrol and leave it at that. I spend about 10 11 00:00:56.159 --> 00:00:59.079 pounds in subscriptions just for like, apps and stuff on my phone. 12 00:00:59.559 --> 00:01:04.119 And then 30 pounds here, 50 pounds there on clothes. 13 00:01:04.920 --> 00:01:07.039 25 pounds on the gym. 14 00:01:07.199 --> 00:01:09.840 My phone bill is 80 pound a month. 15 00:01:10.800 --> 00:01:14.400 And my home insurance is 17 pounds. 16 00:01:19.480 --> 00:01:23.360 When it comes to budgeting, I'm not very good at it at all, 17 00:01:23.360 --> 00:01:25.239 I get money, I get paid. 18 00:01:25.320 --> 00:01:28.079 And then I feel like I need to treat myself. 19 00:01:28.199 --> 00:01:30.119 I always make sure that everything 20 00:01:31.239 --> 00:01:35.559 is paid and done before I will spend anything on myself. 21 00:01:35.599 --> 00:01:37.159 I am good at managing that side of things. 22 00:01:37.159 --> 00:01:40.000 I always make sure that all the bills are paid on time 23 00:01:40.760 --> 00:01:44.320 and that there's enough money in our bank account to make 24 00:01:44.320 --> 00:01:45.400 sure that everything's covered. 25 00:01:49.400 --> 00:01:49.639 Well, 26 00:01:49.639 --> 00:01:54.480 I went to Paris once and decided that I needed to buy a handbag that 27 00:01:54.480 --> 00:01:55.719 was 28 00:01:55.719 --> 00:01:56.679 worth 29 00:01:56.679 --> 00:01:59.559 over a thousand pounds. 30 00:01:59.559 --> 00:02:01.639 It's not something I make a habit of. 31 00:02:05.960 --> 00:02:07.639 Because I don't have to pay for childcare or anything like that. 32 00:02:07.639 --> 00:02:11.599 I don't feel like I've really experienced how expensive a baby can be. 33 00:02:12.239 --> 00:02:18.440 And I am trying to figure out ways to be a bit more money savvy or 34 00:02:18.440 --> 00:02:19.519 budget or put things in pots. 35 00:02:20.039 --> 00:02:24.920 If I could find out more information, I would say probably saving options 36 00:02:24.920 --> 00:02:26.199 like ISAs and things like that 37 00:02:26.199 --> 00:02:28.400 would be more beneficial. 38 00:02:33.480 --> 00:02:37.079 we have 20,000 in savings from our house sale. 39 00:02:37.320 --> 00:02:39.239 We try and save 200 pounds every two weeks. 40 00:02:40.199 --> 00:02:43.920 And then when I go back to work we're going to, the plan is to double it 41 00:02:44.639 --> 00:02:46.400 so we can, we can buy somewhere. 42 00:02:46.440 --> 00:02:49.400 I just want to make sure that I'm in a financial position 43 00:02:49.760 --> 00:02:54.840 So that my daughter, when she wants to go to school, everything's good 44 00:02:54.840 --> 00:02:56.440 and settled and comfortable for her.