In our How I Manage My Money series we aim to find out how people in the UK are spending, saving and investing money to meet their costs and achieve their goals.
This week we speak to Tatiana DeSouza, 32, who lives with her parents in Milton Keynes. Tatiana, who works in tech sales, is aiming to stash away £100,000 this year. She wants to be in a position to be able to be more selective about the work she takes on from the age of 40.
Monthly budget
My monthly income: I typically take-home between £7,000 to £8,000 from my job in tech sales working as an account manager. This varies because part of my pay is dependent on targets and commission. My annual gross pay is £165,000. I can make extra if I exceed my targets. I recently increased my pension salary sacrifice, so my net pay is lower than it has been.
My monthly outgoings: I pay my parents £650 a month to help cover their bills and grocery costs. My other personal monthly expenses include: mobile, £27; gym, £22; subscriptions like Apple and Spotify, £27; critical illness and life insurance cover, £106; transport, £400; car fuel and car insurance, £150; money into my stocks and shares ISA, at least £1,000 a month; money into work pension via my contribution, £2,900; eating out and entertainment, £400; therapy twice a month, £130; clothes, £100; hobbies, £100; beauty and skincare, £150; gifts, £100; holidays, £300 to £400.
I grew up with my family in Zimbabwe before we moved to the UK when I was eight. My parents always worked extremely hard and instilled a strong work ethic in me. I’m working hard now to help my parents enjoy a brilliant retirement. I studied economics at university.
I got a paper round at the age of 14 before getting a job in a John Lewis store. I worked throughout university too. After leaving university, my first main job was at an investment bank when I was 19. I worked there for 12 weeks on an internship and made £12,000. It was extremely intense and I realised that while I wanted to earn good money, I also wanted to be able to enjoy a full life. By 24, I was working in a management consultancy earning £50,000 a year.
After securing a number of other roles and pay rises, I took a career break for a year and a half from December 2023 to travel, returning in July 2025. I now work for a tech organisation in software sales. My annual gross pay is £165,000.
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The one easy habit which keeps your
brain young
From adopting a different running route to taking up a new hobby, here are seven ways in which new experiences can dramatically alter your brain health for the better.
Making friends at work can have a profound impact on happiness (Photo: Tim Robberts/Getty)
Why we need new experiences
A well-connected brain is more resilient to stress, illness and the effects of ageing.
Neurologist Dr Steve Allder says when we try unfamiliar things, our brain is forced to work in new ways.
Over time, this improves the brain’s ability to adapt to change and respond to challenges, helping us to preserve thinking skills and emotional balance.
Why we need new experiences
They strengthen memory formation
Regularly exposing yourself to new situations – even small ones – helps exercise your memory systems, which improves your ability to store and retrieve information.
A human brain made of wool with folded paper brainwaves – stock photo. (Photo: Getty)
Puzzles like sudoku have now been widely shown not to protect against cognitive decline (Photo: Getty Images)
They improve overall learning ability
Just as muscles adapt to new exercises, the brain adapts to new mental demands. As we age the brain then benefits from regular stimulation and maintains sharpness.
Why we need new experiences
Caption: Happy woman walking with male partner in vineyard during sunset. Elderly couple are touring in field against sky. They are enjoying during weekend.
Photographer: Morsa Images
Provider: Getty Images
Source: Digital Vision
Boosts dopamine
New experiences naturally stimulate dopamine, which encourages positive behaviour patterns.
Reduce cognitive decline
New experiences activate different brain regions, helping to keep more areas working.
Happy pregnant mother sitting close to smiling teen daughter while taking selfie on smartphone – stock photo. (Photo: Getty)
Caption: Portrait of elderly woman solving sudoku puzzles at home, sitting in living room. Sudoku as popular game for aging people, logical thinking, problem solving.
Photographer: Halfpoint Images
Provider: Getty Images
Source: Moment RF
Problem-solving
Your brain must evaluate options, test ideas and adjust its approach.
The benefits of new experiences
Each time you adapt successfully to something new, your brain learns that change can be handled. This improves emotional flexibility, making it easier to cope with stress and unexpected events.
They also often involve other people, whether through travel or social activities. This stimulate areas of the brain
responsible for communication, empathy and understanding others’ perspectives.
Running might not seem like the most appealing hobby, but if you give it a try, you might be surprised (Photo: EMS-FORSTER-PRODUCTIONS/Getty/Digital Vision/ems-forster-productions)
Your sleep has a huge impact on your heart health
How sleep and your heart
health are linked
Adults who regularly sleep fewer than seven hours are at increased risk of high blood pressure, obesity, heart attack and diabetes.
The risk of coronary artery disease is 45 per cent higher in adults with short sleep durations at night.
LIFESTYLE
4 min read
The bedtime habits that reduce risk
Sleep tourism in hotel. Exhausted woman sleeps sweetly in bed in the morning – stock photo. (Photo: Getty)
Consistency
Keep daytime naps to less than 20 minutes and aim for seven to eight hours sleep per night.
Wind down
A reasonable 20-30 minute bedtime routine can include reading, light stretching, and meditation.
A mature man meditates in the last sun rays coming into his bedroom – stock photo. (Photo: Getty)
Caption: Close-up view of female jogger tying laces of her sport shoes before running exercise routine. Motivation, healthy lifestyle and fitness concept.
Photographer: Xavier Lorenzo
Provider: Getty Images
Source: Moment RF
Time your exercise
Vigorous exercise within three hours of bedtime can cause insomnia.
The bedroom environment
Pensive young Asian woman sitting on bed writing on journal in cozy bedroom. Copy space. – stock photo. (Photo: Getty)
Sleeping in a bedroom with bright overhead light has been associated with a higher risk of major cardiovascular events, including heart attack (47 per cent higher risk), stroke (28 per cent) and heart failure.
Darken the room with blackout blinds or an eye mask, avoid blue light and leave your mobile phone outside your bedroom.
The bedtime habits that reduce risk
Food and drink
Alcohol, nicotine, caffeine and large evening meals can all disrupt sleep quality.
One theory is that alcohol and drugs can hijack the brain’s pathways (Photo: Guillermo Spelucin/Getty Images)
Know your numbers
If your blood pressure at bedtime is consistently high, consider discussing medication with your GP.
Beware of snoring
Sleep-disordered breathing is linked with cardiovascular conditions, so it could be time for a GP evaluation.
Separate bedrooms is not the first step on the road to dissolution; it’s the route to joint survival (Photo: LordHenriVoton/E+/Miljan Lakic/Getty)
Alzheimer’s can be seen on brain scans (Photo: Tek Image/Getty)
HEALTH
Reflecting on the early signs of dementia
Three families reflect on the early signs of the illness, which affected their parents.
They include the things they missed or dismissed, what they’d do differently and what they’d want other people in the same position to know.
Robert and his mother Joyce
She fell for a scam
Robert’s mother Joyce spent her last six years in a care home
One of the first incidents that rang alarm bells for Robert was his mum falling victim to a suspected scam from someone selling mattresses door-to-door.
She also started to struggle with cooking and making her special dishes she’d been making for decades without a problem.
LIFESTYLE
5 min read
Did he tell his mother?
We [had] just sort of played along with everything. But on one particularly bad day, I blurted it out over the phone, ‘Because you’ve got dementia, mum!’ She threatened to kill herself, which was very scary. Maybe it’s something I should have explained properly to her from the get-go.
JOYCE WAS DIAGNOSED WITH ALZHEIMER’S IN HER EARLY SEVENTIES
Old man with dementia enjoys sunny weather – stock photo. (Photo: Getty)
Rosie became a carer
in her early thirties
I think we missed some of the really early subtle signs.
Rosie’s mother was diagnosed with Young Onset Alzheimer’s Disease at 58 but some symptoms, like brain fog, were put down to the menopause.
She had become more forgetful, and was repeating herself, but as she had always “been scatty” it was dismissed.
She became fixated
It was on strange things like going to the same buffet.
Chloe was just 14 when her mum, Sarah, was diagnosed with young onset frontotemporal dementia, a rare form of the disease.
Another time Sarah, who was diagnosed in her forties, forgot how to boil an egg.
On Saturdays, when she’d usually go shopping, she’d go out and come straight back home, almost like she was forgetting
what she was going out for.
Unused or unwanted subscriptions cost consumers £1.6bn.
Writer Sadhbh O’Sullivan looked into her own forgotten subscriptions when she became a first-time buyer, and realised how much she was wasting on things she wasn’t using.
Are you good at managing money (Photo:
Peter Dazeley/Getty/The Image Bank RF)
The hidden spends that go unnoticed
I’d long considered myself to be quite a reasonable spender.
But the hidden costs across her bank accounts, like free trials that hadn’t been cancelled and memberships for abandoned services, proved otherwise.
It was full of small amounts, £2.99 here, £4.50 there. These small amounts added up.
The ghost subscriptions
Sadhbh isn’t alone.
19%
According to a Nationwide survey almost one in five Brits don’t use every platform they pay for.
The bank suggests they could save as much as £400 a year by ditching them.
4.7 million
National Trading Standards’ 2025 research found 4.7 million people were paying for subscriptions they didn’t know they’d signed up for.
In 2024, a government report found unused and unwanted subscriptions cost consumers up to £1.6bn a year.
How to deal with the subscriptions
Hunt them down
Banking apps usually list your ‘subscriptions’ separately from direct debits and standing orders so you can easily spot what you’re shelling out on.
Pensioners have some flexibility over the timing and payment of their state pension
(juststock/Getty Images/iStockphoto/ NIPITPHON)
Edge will give customers cashback on debit card and direct debit spending
Check everything
You can be debited through credit cards, E-payment services, your mobile phone bill, Apple Pay or Google Pay.
How to deal with subscriptions
Dating apps have failed the black community, says Amber (Photo: Morsa Images/Getty)
Be honest
Don’t vow to use a subscription you’re not going to, even if you
have good intentions.
Look over 13 months
Many businesses have changed from monthly to annual payments so look further back.
Changes are due to kick in on everything from inheritance tax to filling in self-assessment forms (Photo: Getty).
Customers struggling with debts are highly likely to be in vulnerable circumstances, regulators warn
(Photo: Martin Prescott/Getty)
Future proof
Make sure to track any subscriptions you have kept so you can cancel them, if need be, in future.
Don’t be afraid of phone calls
If companies don’t let you cancel online, don’t fear the customer service line.
With TV and broadband, call the new customer number as it’s often answered more quickly.
If you’re happy with the service, but not the price, speak to a real person that may offer a better deal.
Look for a phone number and press the ‘thinking of leaving us’ option. It’s usually a fast track to a team with authority to offer bigger discounts.
Donations to charity have increased dramatically
But staff say many people treat their shops like a tip.
Here they share the most useful donations they get, and the
ones that drive them mad.
A rail of clothes in a second hand vintage charity shop – stock photo. (Photo: Getty)
People won’t buy the current donations
The quality of donations over the last year has diminished.
Claire Stockman, head of retail for St
Luke’s Hospice [pictured], says many donations include used items from fast fashion like Boohoo and Primark, which they cannot sell for more than £2, if at all.
What the workers see
60%
of what comes into St Luke’s Hospice is unsellable, Stockman says.
She adds its soiled, damaged beyond
repair or smelly.
Vinted
Harriet, a volunteer at Crisis in Dalston,
says people bring in clothes that are dirty and stained – things that they cannot sell
on Vinted.
She also sees dirty kitchenware and technology that no longer works.
It’s not all bad
Two young women shopping in a vintage charity shop – stock photo. (Photo: Getty)
Harriet says they still get their
fair share of designer items.
She’s seen a pair of Louboutins
sell for around £400.
People will buy high-end items
even if they’re a little worn.
First Person
5 min read
The best donations
There was a box donated after someone’s family had passed and in it were all these medals. I researched them and the whole collection ended up going for £2,340…
JANE THURNELL-READ, VOLUNTEER AT
THE OXFAM GENERAL SHOP IN EXETER
What is a good donation?
A young woman chooses clothes in a fashion store and reads the labels on things while shopping at the mall. A millennial shopaholic woman tries on clothes in a fashion boutique – stock photo. (Photo: Getty)
A good donation is anything new with tags on, anything that hasn’t been opened, or higher quality items.
Items that have been well looked after are more likely to sell and generate a better price for charity too.
Harriet adds that knick-knacks and wine glasses are surprise hits in her branch.
The feeling of dread that the weekend is over is all too familiar.
Here, psychologists, career consultants and sleep experts give their best advice on how
to beat the gloom that the
work week is looming…
(Photo: Getty).
How to beat the Sunday scaries
Pave the way on Friday
Psychologist Maria-Teresa Daher-Cusack says to wrap up tasks and not to leave big or difficult things for Monday. And write a to-do list for the next week so you know what to expect when you return after the weekend.
Young man practicing meditation in nature at sunrise – stock photo. (Photo: Getty)
Working from home is being blamed by some councils for the rise in fraudulent ‘polygamous’ working (Photo: Moment RF/Getty)
Get outside early
Doctor Naheed Ali says getting out on a Sunday morning – not sleeping late – helps regulate the circadian rhythm that can become skewed over the weekend.
How to avoid Sunday scaries
On Sunday spend time away from technology to allow yourself a personal reset away from doom scrolling.
Relaxing with dog on sofa – stock photo. (Photo: Getty)
Rebrand your Sunday evenings from a daunting time to relaxing. Career consultant Victoria McLean goes out for dinner or reads something unrelated to work.
She also doesn’t check her inbox on a Sunday night as it can begin the dread.
How to beat the Sunday scaries
Sleep tourism in hotel. Exhausted woman sleeps sweetly in bed in the morning – stock photo. (Photo: Getty)
Sleep well
Put yourself in the best position to rest by avoiding large meals, screens and caffeine.
Structure your week
If possible don’t stack your Mondays with high-pressure tasks.
Caucasian mid adult patient writing a diary while recovering in the hospital ward – stock photo. (Photo: Getty)
Cheerful aged woman, senior intern waving, saying goodbye to her young colleagues while leaving office after first day at work – stock photo. (Photo: Getty)
Find the fun daily
Don’t just save joyful things for the weekend. On lunch breaks, try to do something you enjoy.
(Photo: Getty).
Sometimes, you
need to listen.
If the Sunday scaries are constant, listen to them. If every Sunday fills you with dread and nothing seems to quell it it’s worth asking if it’s the job, the culture or the career itself. No one should spend half their weekend bracing for impact… ” says Victoria McLean
The UK has one of the most stable electricity grids in the world.
But no country’s energy system is 100 per cent secure and large-scale blackouts, although rare, are possible.
Here’s how to prepare, and what could happen, if we do have a blackout.
The immediate effects
If the UK’s power went down tomorrow, these are the ways it is likely to impact you first.
You’d get stuck in lifts, wherever you are in the lift shaft.
Trains would be stopped as the signals depend on electricity.
Traffic lights would stop working on the roads – leading to congestion or crashes.
Contactless payments are likely to fail.
Your Wi-Fi at home would stop working and communication becomes difficult.
Fridges and freezers will turn off – unless you have a standalone generator – and food will spoil over time.
Hospitals and water treatment works have their own backup generators so will keep going until their supply runs out.
How transport would be affected
Caption: This photograph taken on April 29, 2026 shows people charging their electric vehicles at a charging station in Kathmandu. As global fuel markets reel from the Middle East war, motorists in Nepal are increasingly turning to electric vehicles, with high demand putting a strain on dealerships. (Photo by Prakash MATHEMA / AFP via Getty Images) / TO GO WITH ‘Nepal-Transport-Automobile-Energy’ FOCUS
Photographer: PRAKASH MATHEMA
Provider: AFP via Getty Images
Source: AFP
Copyright: AFP or licensors
For EV owners that are already on the road, Professor Keith Bell, who works in electricity planning, recommends that those with an EV with reasonable charge use it as a generator, like your own store of electricity.
In the case of the power system going down, petrol isn’t a totally safe option as queues at petrol stations could be huge and places are likely to run out of fuel.
The longer term effects
The longer the power takes to return the worse things are likely to get. In 2021 Storm Arwen physically damaged power lines across the UK.
Without nuclear to take the strain, that exposure to gas is costing us dear (Photo: Catherine Falls Commercial/Getty)
Caption: FILE PHOTO: A row of electricity pylons is seen near the Frodsham on shore wind farm in Frodsham, Britain, September 5, 2023. REUTERS/Phil Noble/File Photo
Photographer: Phil Noble
Provider: REUTERS
Source: REUTERS
During the 1977 New York blackout, which lasted 25 hours, there was civil unrest, resulting in widespread looting and arson, although intense heatwaves are thought to have exacerbated the situation.
Things to buy now to prepare
The Russian state-owned Sputnik news agency took over the BBC’s radio frequency in Lebanon (Photo: Getty)
Battery radio
To get updates during a power cut – a car radio can be used, but in severe weather it might be safer to stay inside.
Bottled water
A minimum of 2.5-3 litres of drinking water per person per day is recommended.
Caption: Plastic bottle with clean water on a blue background.
Photographer: SimpleImages
Provider: Getty Images
Source: Moment RF
A Cuban rides his bike during a nation wide blackout in Havana on 21 March (Photo: Yamil Lage/AFP/Getty)
Wind-up torch
The Government recommends opting for torches over candles, for safety reasons.
How to prepare
A blackout is unlikely but we should make small changes.
If possible, don’t let your petrol tank run down to almost empty. Keep it over half full so you’re never caught short.
Always have a portable power bank, and spare batteries, to charge your phone and other essentials.
As card machines could fail, keep some cash at home.
To keep yourself distracted and entertained, keep board games and a pack of cards handy to play.
Eight easy ways to stop
your child spending summer glued to their devices
Not all screen time is bad
Using screens in a way that benefits your child’s development is key and balancing educational content and entertainment with offline activities ensures a well-rounded routine.
DR GUMMER
How to keep your kids off screens
Outdoor activities
For younger children, try scavenger hunts, garden games and nature walks. For older ones, hikes
and biking trips.
Create a schedule
Designated screen-free times helps children develop a routine that balances screen use with other activities.
Caption: Mid adult man with eyeglasses sitting on a comfortable sofa at home, thoughtfully writing notes in a small notebook while natural sunlight illuminates the room
Photographer: Milan Markovic
Provider: Getty Images
Source: E+
Family game nights
It’s an excellent way
to bond and develop critical thinking skills.
How to keep your kids off screens
Creative hobbies
Getting creative, through drawing, painting or model construction, enhances cognitive skills and offers an alternative to screens.
Social interaction
Arrange playdates or group activities with friends, or for older kids try an overnight camping trip in the garden.
How to keep your kids off screens
Lead by example
Showing that you value offline time encourages your children to do the same.
Have a reward
Implement a reward system where screen time is earned through positive behaviour.
Open conversations
Discuss the importance of balancing screen time with your children so they understand the reasons behind the rules.
My goal is to save £100,000 this year. This will be spread across investments, my pension and cash savings. I also want to be able to monetise my social media content. A big part of the reason I want to save £100,000 this year is that I spent £70,000 during my career break. My travels also gave me a taste for the life I want to live, so I need adequate savings and investments for the longer term.
Once I am in my forties I want to be able to be in a position whereby work is optional for me. So, while I am still earning a lot and keeping my costs low, I want to add as much as I can to my savings and investments. By this point, I want enough money and assets to be able to work on my own terms, either on a freelance basis or in a consultancy role if I choose to.
The high-paying jobs I’ve had have been stressful and I have already been working since I was 14. I don’t want to have to sustain this level of pace of work in the long-term.
I have prioritised maximising my earnings for a long time and have never been an over-spender. I’m a Christian and humility is important to me. I’m not materialistic and value experiences, including travel, over things.
I started posting on TikTok (@tatianamamixo) and Instagram (@tatianamami) during my career break. I post about being a young, independent woman who doesn’t always follow the traditional path. I share my lessons and learnings with other women and often talk about my financial and career goals. I’m not making money from social media but hope to in the future.
Living at home enables me to save a lot of money. I can also be present for my parents and spend quality time with them. In the past I did try to buy a home, but had three sales fall through. I’m not convinced property is the investment it was once. I also like being able to invest the majority of my earnings.
For the last four years I have been able to max out my £20,000 annual stocks and shares ISA allowance. I have £85,000 in a stocks and shares ISA with Moneybox and £23,000 in a Lifetime ISA. I’m not adding any money to the Lifetime ISA now. I add at least £1,000 to my investments a month. I also have some cash savings.
Saving money in a tax-efficient pension is a priority for me. I add £2,900 a month to my work pension and my employer adds £950 a month. I have £120,000 saved in pensions to date. As a higher earner, I’m comfortable with my net pay being lower due to salary sacrifice. I’d like to retire when I am in my mid-fifties. I couldn’t survive solely on the state pension.
Money itself doesn’t mean much to me but having a full life does. I’d like to continue earning a higher income and earn £250,000 a year or more soon. There’s no upper limit in my mind.
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