Daniel - Gray Area Finance
Region: GB
Wednesday 19 August 2026 12:33:51 GMT
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ste :
I earn £2822 after tax and my mortgage is £1890 monthly 😅
2026-08-20 09:34:25
5
Fraser :
I wish I could use this , wife works part time to look after our child after school
2026-08-19 20:17:31
7
John Elliott :
these days its more like 90 5 5
2026-08-25 21:52:29
27
Just Beti :
Desperately trying to save for a mortgage. Getting older and older and feeling it’s never going to happen. 1 step forward and 3 back. But if I’m honest good budgeting is defo the issue.
2026-08-20 10:49:40
7
Sparkles&Surprises Steph :
My finances are a disaster. My ADHD is not helping matters and Iv struggled getting things in order. I’m paid well yet broke by week 1 of the month
2026-09-25 18:15:44
0
CaSB :
I’m probably more like 50 40 10
2026-08-20 20:34:32
4
Aoibheann Mc :
could you direct me towards a video for that 20%? I work in the NHS but had to take a break from my pension to pay childcare as can't afford the % contributions. looking for a good alternative thank you ✌
2026-08-19 21:21:35
4
Sean's Money :
I know a lot of people use this budgeting rule but I think it allows people to be complacent with their needs. Even if your needs come to 50% and technically fit this budget you should try to minimise bills where the change won't affect your quality of life. for example, a cheaper WiFi deal at the same speed or a new energy provider. I just think it lets people be okay with overpaying for certain things
2026-08-19 12:47:03
3
surviving.the.best.i.can :
Where do you live with the needs being £1500? 😂
2026-08-27 18:10:52
0
Many Elephants Music :
Not even close pal. My monthly vinyl record bill certainly guarantees I ain’t hitting this 😂
2026-08-25 21:48:35
2
1088076-421RobotSonic :
65% to cover the basics
2026-08-26 08:19:28
2
naz :
Not sure why everyone is saying £1500-£1650 for expenses with high mortgage or rent and utilities most of us is allot more. I earn about £4K but even if that still hard to save anything compared to 10-15 years ago at least you could put a decent amount away now not so much. Even have to do overtime sometimes.
2026-09-01 18:20:35
1
Katie Shepherd :
would it still work with getting paid weekly?
2026-08-25 14:43:39
4
JuC :
My wage is less than your 50% 😏
2026-08-26 00:59:15
2
Prince of Soho :
That’s not happening in London sadly
2026-08-26 20:01:21
2
user3744991834268 :
All very well if you don’t have kids. They’ll drain all your ‘future’ cash without a problem!
2026-08-25 07:44:45
3
eppiMaya :
for a single and renting it is more 65/75 for basics and the rest depending on where you live
2026-08-29 03:21:28
1
MSB2614 :
We use this method and it’s the best decision we ever made and now we’re saving £1200 per month! It also makes things fairer as my husband earns more than I do.
2026-08-25 07:27:12
1
alex388870 :
I wish my needs were covered by £1500 😅😅
2026-09-12 21:29:33
0
rq5hunter :
Probably closer to 40 / 25 / 35 for me normally. I've tried not to fall into lifestyle inflation. However I do not budget strictly. 20% for savings is absolute minimum I do first thing when the paycheck hits my account but there's usually quite a bit more to save at the end of the month.
2026-08-27 18:39:44
0
Butterscotch_Mafia :
£1500 on essential needs in this cost of living crisis 😂
2026-08-27 12:54:35
3
Cliona Ní Laoghaire :
😳😳😳
2026-08-25 22:08:08
0
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