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@bloodygrace Thank you, yeah working in finance means that R gets way higher pension (14% from the employer if they contribute 8%), whereas N is on 4% from each party (and then we privately invest 6%). Hopefully it becomes more equal in the future...

@bloodygrace This is YTD (January 1st - July 31st)

@angelwings37 Thank you, we try really hard to just stick to the essentials

@angelwings37 Thanks yeah, it's actually 7 months but we've managed to do quite well on the electricity by half freezing during the winter!

For context both N and R are 24, N works as an engineer at a mid-size company, R works as a risk analyst for a large financial services company. We live near Leeds in a 2-bedroom rented flat and own our car (2006 VW Golf). In the remainder of the year our goals are to stop traveling for a bit...