{"id":782406,"date":"2026-07-06T10:04:08","date_gmt":"2026-07-06T10:04:08","guid":{"rendered":"https:\/\/www.newsbeep.com\/au\/782406\/"},"modified":"2026-07-06T10:04:08","modified_gmt":"2026-07-06T10:04:08","slug":"how-i-manage-my-money-tech-manager-on-165000-adding-2900-a-month-to-pension","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/au\/782406\/","title":{"rendered":"How I Manage My Money: Tech manager on \u00a3165,000, adding \u00a32,900 a month to pension"},"content":{"rendered":"

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. <\/p>\n

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 \u00a3100,000 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. <\/p>\n

Monthly budget<\/p>\n

My monthly income: I typically take-home between \u00a37,000 to \u00a38,000 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 \u00a3165,000. 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.\u00a0<\/p>\n

My monthly outgoings: I pay my parents \u00a3650 a month to help cover their bills and grocery costs. My other personal monthly expenses include: mobile, \u00a327; gym, \u00a322; subscriptions like Apple and Spotify, \u00a327; critical illness and life insurance cover, \u00a3106; transport, \u00a3400; car fuel and car insurance, \u00a3150; money into my stocks and shares ISA, at least \u00a31,000 a month; money into work pension via my contribution, \u00a32,900; eating out and entertainment, \u00a3400; therapy twice a month, \u00a3130; clothes, \u00a3100; hobbies, \u00a3100; beauty and skincare, \u00a3150; gifts, \u00a3100; holidays, \u00a3300 to \u00a3400.\u00a0<\/p>\n

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\u2019m working hard now to help my parents enjoy a brilliant retirement. I studied economics at university. <\/p>\n

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 \u00a312,000. 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 \u00a350,000 a year.<\/p>\n

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 \u00a3165,000.<\/p>\n

\n\t\t\tShorts\n\t\t<\/p>\n

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The one easy habit which keeps your
brain young<\/p>\n

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.<\/p>\n

\"\" <\/p>\n

\"Women,Making friends at work can have a profound impact on happiness (Photo: Tim Robberts\/Getty)<\/p>\n

Why we need new experiences<\/p>\n

A well-connected brain is more resilient to stress, illness and the\u00a0effects of ageing.<\/p>\n

Neurologist Dr Steve Allder says when we try unfamiliar things, our brain is forced to work in new ways. <\/p>\n

Over time, this improves the brain\u2019s ability to adapt to change and respond to challenges, helping us to preserve thinking skills and emotional balance.<\/p>\n

\nWhy we need new experiences\n<\/p>\n

They strengthen memory formation<\/p>\n

Regularly exposing yourself to new situations \u2013 even small ones \u2013 helps exercise your memory systems, which improves your ability to store and retrieve information. <\/p>\n

\"AA human brain made of wool with folded paper brainwaves \u2013 stock photo. (Photo: Getty)<\/p>\n

\"FrustratedPuzzles like sudoku have now been widely shown not to protect against cognitive decline (Photo: Getty Images)<\/p>\n

They improve overall learning ability<\/p>\n

Just as muscles adapt to\u00a0new exercises, the brain adapts to\u00a0new mental demands.\u00a0As we age the brain then benefits from regular stimulation and maintains sharpness.<\/p>\n

\nWhy we need new experiences\n<\/p>\n

\"HappyCaption: 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<\/p>\n

Boosts dopamine<\/p>\n

New experiences naturally stimulate dopamine, which encourages positive behaviour patterns.<\/p>\n

Reduce cognitive decline<\/p>\n

New experiences activate different brain regions, helping to keep more areas working.<\/p>\n

\"HappyHappy pregnant mother sitting close to smiling teen daughter while taking selfie on smartphone \u2013 stock photo. (Photo: Getty)<\/p>\n

\"PortraitCaption: 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<\/p>\n

Problem-solving<\/p>\n

Your brain must evaluate options, test ideas and adjust its approach.<\/p>\n

\nThe benefits of new experiences\n<\/p>\n

Each time you adapt successfully to something new, your brain learns that change can be handled. This improves emotional flexibility, making it\u00a0easier to cope with stress\u00a0and unexpected events.<\/p>\n

They also often involve other people, whether through\u00a0travel or social activities. This stimulate areas of the brain
responsible for communication, empathy and\u00a0understanding others\u2019 perspectives.\u00a0<\/p>\n

\"\"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)<\/p>\n

\"\" <\/p>\n

Your sleep has a huge impact on your heart health<\/p>\n

How sleep and your heart
health are linked<\/p>\n

\"\" <\/p>\n

Adults who regularly sleep fewer than seven hours are at increased risk of high blood pressure, obesity, heart attack and diabetes.\u00a0<\/p>\n

The risk of coronary\u00a0artery disease is 45 per cent higher in adults with short sleep durations at night.<\/p>\n

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LIFESTYLE<\/p>\n

4 min read<\/p>\n

\nThe bedtime habits that reduce risk\n<\/p>\n

\"SleepSleep tourism in hotel. Exhausted woman sleeps sweetly in bed in the morning \u2013 stock photo. (Photo: Getty)<\/p>\n

Consistency<\/p>\n

Keep daytime naps to less than 20 minutes and aim for seven to eight hours sleep per night.<\/p>\n

Wind down<\/p>\n

A reasonable 20-30 minute bedtime routine can include reading, light stretching, and meditation.<\/p>\n

\"AA mature man meditates in the last sun rays coming into his bedroom \u2013 stock photo. (Photo: Getty)<\/p>\n

\"Close-upCaption: 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<\/p>\n

Time your exercise<\/p>\n

Vigorous exercise within three hours of bedtime can cause insomnia.<\/p>\n

The bedroom environment<\/p>\n

\"PensivePensive young Asian woman sitting on bed writing on journal in cozy bedroom. Copy space. \u2013 stock photo. (Photo: Getty)<\/p>\n

Sleeping in a bedroom with bright overhead light has been associated with a higher risk of major cardiovascular events, including\u00a0heart attack\u00a0(47 per cent higher risk),\u00a0stroke (28 per cent) and heart failure.<\/p>\n

Darken the room with blackout blinds or an eye mask, avoid blue light and leave your mobile phone outside your bedroom. \u00a0<\/p>\n

\nThe bedtime habits that reduce risk\n<\/p>\n

Food and drink<\/p>\n

Alcohol, nicotine, caffeine and large evening meals can all disrupt sleep quality.<\/p>\n

\"AOne theory is that alcohol and drugs can hijack the brain\u2019s pathways (Photo: Guillermo Spelucin\/Getty Images)<\/p>\n

\"\" <\/p>\n

Know your numbers<\/p>\n

If your blood pressure at bedtime is consistently high, consider discussing medication with your GP.<\/p>\n

Beware of snoring<\/p>\n

Sleep-disordered breathing is linked with cardiovascular conditions, so it could be time for a GP evaluation.<\/p>\n

\"YoungSeparate bedrooms is not the first step on the road to dissolution; it\u2019s the route to joint survival (Photo: LordHenriVoton\/E+\/Miljan Lakic\/Getty)<\/p>\n

\"BrainAlzheimer\u2019s can be seen on brain scans (Photo: Tek Image\/Getty)<\/p>\n

HEALTH<\/p>\n

Reflecting on the early signs of dementia<\/p>\n

Three families reflect on the early signs of the illness, which affected their parents.<\/p>\n

They include the things they missed or dismissed, what they\u2019d do differently and what they\u2019d want other people in the same position to know.<\/p>\n

\nRobert and his mother Joyce\n<\/p>\n

She fell for a scam<\/p>\n

\"RobertRobert\u2019s mother Joyce spent her last six years in a care home<\/p>\n

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.\u00a0<\/p>\n

She also started to struggle with cooking and making her special dishes she\u2019d been making for decades without a problem.<\/p>\n

\t
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LIFESTYLE<\/p>\n

5 min read<\/p>\n

Did he tell his mother?<\/p>\n

We [had] just sort of played along with everything. But on one particularly bad day, I blurted it out over the phone, \u2018Because you\u2019ve got dementia, mum!\u2019 She threatened to kill herself, which was very scary. Maybe it\u2019s something I should have explained properly to her from the get-go.<\/p>\n

JOYCE WAS DIAGNOSED WITH ALZHEIMER\u2019S IN HER EARLY SEVENTIES<\/p>\n

\"OldOld man with dementia enjoys sunny weather \u2013 stock photo. (Photo: Getty)<\/p>\n

\"\" <\/p>\n

Rosie became a carer
in her early thirties<\/p>\n

I think we missed some of the really early subtle signs.<\/p>\n

Rosie\u2019s mother was diagnosed with Young Onset Alzheimer\u2019s Disease at 58 but some symptoms, like brain fog, were put down to the menopause. <\/p>\n

She had become more forgetful, and was repeating herself, but as she had always \u201cbeen scatty\u201d it was dismissed.<\/p>\n

She became fixated<\/p>\n

It was on strange things like going to\u00a0the same buffet.<\/p>\n

Chloe was just 14 when her mum, Sarah, was diagnosed with young onset frontotemporal dementia, a rare form of the disease.<\/p>\n

\"\" <\/p>\n

Another time Sarah, who was diagnosed in her forties, forgot how to boil an egg.<\/p>\n

On Saturdays, when she\u2019d usually go shopping, she\u2019d go out and come straight back home, almost like she was forgetting
what she was going out for.<\/p>\n

Unused or unwanted subscriptions cost consumers \u00a31.6bn.<\/p>\n

Writer Sadhbh O\u2019Sullivan looked into her own forgotten subscriptions when she became a first-time buyer, and realised how much she was wasting on things she wasn\u2019t using. <\/p>\n

\"\" <\/p>\n

\"CloseAre you good at managing money (Photo:
Peter Dazeley\/Getty\/The Image Bank RF)<\/p>\n

The hidden spends that go unnoticed<\/p>\n

I\u2019d long considered myself to be quite a reasonable spender.\u00a0<\/p>\n

But the hidden costs across her bank accounts, like free trials that hadn\u2019t been cancelled and memberships for abandoned services, proved otherwise. <\/p>\n

It was full of small amounts, \u00a32.99 here, \u00a34.50 there. These small amounts added up. <\/p>\n

\nThe ghost subscriptions\n<\/p>\n

Sadhbh isn\u2019t alone. <\/p>\n

19%<\/p>\n

According to a Nationwide survey almost one in five Brits don\u2019t use every platform they pay for.<\/p>\n

The bank suggests they could save as much as \u00a3400 a year by ditching them.\u00a0<\/p>\n

4.7 million<\/p>\n

National Trading Standards\u2019 2025 research found 4.7 million people were paying for subscriptions they didn\u2019t know they\u2019d signed up for.<\/p>\n

In 2024, a government report found unused and unwanted subscriptions cost consumers up to \u00a31.6bn a year.<\/p>\n

\nHow to deal with the subscriptions\n<\/p>\n

Hunt them down<\/p>\n

Banking apps usually list your \u2018subscriptions\u2019 separately from direct debits and standing orders so you can easily spot what you\u2019re shelling out on.<\/p>\n

\"PensionersPensioners have some flexibility over the timing and payment of their state pension
(juststock\/Getty Images\/iStockphoto\/ NIPITPHON)<\/p>\n

\"AEdge will give customers cashback on debit card and direct debit spending<\/p>\n

Check everything<\/p>\n

You can be debited through credit cards, E-payment services, your mobile phone bill, Apple Pay or Google Pay.<\/p>\n

\nHow to deal with subscriptions\n<\/p>\n

\"SmilingDating apps have failed the black community, says Amber (Photo: Morsa Images\/Getty)<\/p>\n

Be honest<\/p>\n

Don\u2019t vow to use a subscription you\u2019re not going to, even if you
have good intentions.<\/p>\n

Look over 13 months<\/p>\n

Many businesses have changed from monthly to annual payments so look further back.<\/p>\n

\"AChanges are due to kick in on everything from inheritance tax to filling in self-assessment forms (Photo: Getty).<\/p>\n

\"ACustomers struggling with debts are highly likely to be in vulnerable circumstances, regulators warn
(Photo: Martin Prescott\/Getty)<\/p>\n

Future proof<\/p>\n

Make sure to track any subscriptions you have kept so you can cancel them, if need be, in future.<\/p>\n

\nDon\u2019t be afraid of phone calls\n<\/p>\n

If companies don\u2019t let you cancel online, don\u2019t fear the customer service line.<\/p>\n

With TV and broadband, call the new customer number as it\u2019s often answered more quickly.<\/p>\n

If you\u2019re happy with the service, but not the price, speak to a real person that may offer a better deal. <\/p>\n

Look for a phone number and press the \u2018thinking of leaving us\u2019 option. It\u2019s usually a fast track to a team with authority to offer bigger discounts.<\/p>\n

Donations to charity have increased dramatically<\/p>\n

But staff say many people treat their shops like a tip. <\/p>\n

Here they share the most useful donations they get, and the
ones that drive them mad.<\/p>\n

\"AA rail of clothes in a second hand vintage charity shop \u2013 stock photo. (Photo: Getty)<\/p>\n

\"\" <\/p>\n

People won\u2019t buy the current donations<\/p>\n

The quality of donations over the last year has diminished.<\/p>\n

Claire Stockman, head of retail for\u00a0St
Luke\u2019s Hospice [pictured], says many donations include used items from fast fashion like Boohoo and Primark, which they cannot sell for more than \u00a32, if at all.<\/p>\n

\nWhat the workers see\n<\/p>\n

60%<\/p>\n

of what comes into St Luke\u2019s Hospice is unsellable, Stockman says.<\/p>\n

She adds its soiled, damaged beyond
repair or smelly.<\/p>\n

Vinted<\/p>\n

Harriet, a volunteer at\u00a0Crisis in Dalston,
says people bring in clothes that are dirty and stained \u2013 things that they cannot sell
on Vinted.<\/p>\n

She also sees dirty kitchenware and technology that no longer works.<\/p>\n

It\u2019s not all bad<\/p>\n

\"TwoTwo young women shopping in a vintage charity shop \u2013 stock photo. (Photo: Getty)<\/p>\n

Harriet says they still get their
fair share of designer items.<\/p>\n

She\u2019s seen a pair of Louboutins
sell for around \u00a3400.<\/p>\n

People will buy high-end items
even if they\u2019re a little worn.<\/p>\n

\t
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First Person<\/p>\n

5 min read<\/p>\n

The best donations<\/p>\n

There was a box donated after someone\u2019s family had passed and in it were all these medals. I researched them and the whole collection ended up going for \u00a32,340\u2026<\/p>\n

JANE THURNELL-READ, VOLUNTEER AT
THE OXFAM GENERAL SHOP IN EXETER<\/p>\n

\"\" <\/p>\n

What is a good donation?<\/p>\n

\"AA 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 \u2013 stock photo. (Photo: Getty)<\/p>\n

A good donation is anything new with tags on, anything that hasn\u2019t been opened, or higher quality items.<\/p>\n

Items that have been well looked after are more likely to sell and generate a better price for charity too.<\/p>\n

Harriet adds that knick-knacks and wine glasses are surprise hits in her branch.<\/p>\n

The feeling of dread that the weekend is over is all too familiar.<\/p>\n

Here, psychologists, career consultants and sleep experts give their best advice on how
to beat the gloom that the
work week is looming\u2026<\/p>\n

\"Woman(Photo: Getty).<\/p>\n

\nHow to beat the Sunday scaries\n<\/p>\n

Pave the way on Friday<\/p>\n

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.<\/p>\n

\"YoungYoung man practicing meditation in nature at sunrise \u2013 stock photo. (Photo: Getty)<\/p>\n

\"\"Working from home is being blamed by some councils for the rise in fraudulent \u2018polygamous\u2019 working (Photo: Moment RF\/Getty)<\/p>\n

Get outside early<\/p>\n

Doctor Naheed Ali says getting out on a Sunday morning \u2013 not sleeping late \u2013 helps regulate the circadian rhythm that can become skewed over the weekend.<\/p>\n

\nHow to avoid Sunday scaries\n<\/p>\n

On Sunday spend time away from technology to allow yourself a personal reset away from doom scrolling.<\/p>\n

\"RelaxingRelaxing with dog on sofa \u2013 stock photo. (Photo: Getty)<\/p>\n

Rebrand your Sunday evenings from a daunting time to relaxing. Career consultant Victoria McLean goes out for dinner or reads something unrelated to work.<\/p>\n

She also doesn\u2019t check her inbox on a Sunday night as it can begin the dread.<\/p>\n

\nHow to beat the Sunday scaries\n<\/p>\n

\"SleepSleep tourism in hotel. Exhausted woman sleeps sweetly in bed in the morning \u2013 stock photo. (Photo: Getty)<\/p>\n

Sleep well<\/p>\n

Put yourself in the best position to rest by avoiding large meals, screens and caffeine.<\/p>\n

Structure your week<\/p>\n

If possible don\u2019t stack your Mondays with high-pressure tasks.<\/p>\n

\"CaucasianCaucasian mid adult patient writing a diary while recovering in the hospital ward \u2013 stock photo. (Photo: Getty)<\/p>\n

\"CheerfulCheerful aged woman, senior intern waving, saying goodbye to her young colleagues while leaving office after first day at work \u2013 stock photo. (Photo: Getty)<\/p>\n

Find the fun daily<\/p>\n

Don\u2019t just save joyful things for the weekend. On lunch breaks, try to do something you enjoy.<\/p>\n

\"The(Photo: Getty).<\/p>\n

Sometimes, you
need to listen.<\/p>\n

If the Sunday scaries are constant, listen to them. If every Sunday fills you with dread and nothing seems to quell it it\u2019s worth asking if it\u2019s the job, the culture or the career itself. No one should spend half their weekend bracing for impact\u2026 \u201d says Victoria McLean<\/p>\n

The UK has one of the most stable\u00a0electricity grids\u00a0in the world.<\/p>\n

But no country\u2019s energy system is 100 per cent secure and large-scale blackouts, although rare, are possible. <\/p>\n

Here\u2019s how to prepare, and what could happen, if we do have a blackout.<\/p>\n

\"\" <\/p>\n

The immediate effects <\/p>\n

If the UK\u2019s power went down tomorrow, these are the ways it is likely to impact you first.<\/p>\n

You\u2019d get stuck in lifts, wherever you are in the lift shaft.<\/p>\n

Trains would be stopped as the signals depend on electricity.<\/p>\n

Traffic lights would stop working on the roads \u2013 leading to congestion or crashes.<\/p>\n

Contactless payments are likely to fail.<\/p>\n

Your Wi-Fi at home would stop working and communication becomes difficult.<\/p>\n

Fridges and freezers will turn off \u2013 unless you have a standalone generator \u2013 and food will spoil over time.<\/p>\n

Hospitals and water treatment works have their own backup generators so will keep going until their supply runs out.<\/p>\n

How transport would be affected<\/p>\n

\"ThisCaption: 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 \u2018Nepal-Transport-Automobile-Energy\u2019 FOCUS
Photographer: PRAKASH MATHEMA
Provider: AFP via Getty Images
Source: AFP
Copyright: AFP or licensors<\/p>\n

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. <\/p>\n

In the case of the power system going down, petrol isn\u2019t a totally safe option as queues at petrol stations could be huge and places are likely to run out of fuel. <\/p>\n

\nThe longer term effects\n<\/p>\n

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.<\/p>\n

\"AWithout nuclear to take the strain, that exposure to gas is costing us dear (Photo: Catherine Falls Commercial\/Getty)<\/p>\n

\"FILECaption: 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<\/p>\n

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.<\/p>\n

\nThings to buy now to prepare\n<\/p>\n

\"GreatThe Russian state-owned Sputnik news agency took over the BBC\u2019s radio frequency in Lebanon (Photo: Getty)<\/p>\n

Battery radio<\/p>\n

To get updates during a power cut \u2013 a car radio can be used, but in severe weather it might be safer to stay inside.<\/p>\n

Bottled water<\/p>\n

A minimum of 2.5-3 litres of drinking water per person per day is recommended.<\/p>\n

\"PlasticCaption: Plastic bottle with clean water on a blue background.
Photographer: SimpleImages
Provider: Getty Images
Source: Moment RF<\/p>\n

\"TOPSHOTA Cuban rides his bike during a nation wide blackout in Havana on 21 March (Photo: Yamil Lage\/AFP\/Getty)<\/p>\n

Wind-up torch<\/p>\n

The Government recommends opting for torches over candles, for safety reasons.<\/p>\n

\nHow to prepare\n<\/p>\n

A blackout is unlikely but we should make small changes.<\/p>\n

If possible, don\u2019t let your petrol tank run down to almost empty. Keep it over half full so you\u2019re never caught short.<\/p>\n

Always have a portable power bank, and spare batteries, to charge your phone and other essentials.<\/p>\n

As card machines could fail, keep some cash at home.<\/p>\n

To keep yourself distracted and entertained, keep board games and a pack of cards handy to play. <\/p>\n

\"\" <\/p>\n

Eight easy ways to stop
your child spending summer glued to their devices<\/p>\n

Not all screen time is bad<\/p>\n

Using screens in a way that benefits your\u00a0child\u2019s development\u00a0is key and balancing educational content and entertainment with offline activities ensures a well-rounded routine.<\/p>\n

DR GUMMER<\/p>\n

\"\" <\/p>\n

\nHow to keep your kids off screens\n<\/p>\n

\"\" <\/p>\n

Outdoor activities<\/p>\n

For younger children, try scavenger hunts, garden games and nature walks. For older ones, hikes
and biking trips.<\/p>\n

Create a schedule<\/p>\n

Designated screen-free times helps children develop a routine that balances screen use with other activities.<\/p>\n

\"ACaption: 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+<\/p>\n

\"\" <\/p>\n

Family game nights<\/p>\n

It\u2019s an excellent way
to bond and develop critical thinking skills.<\/p>\n

\nHow to keep your kids off screens\n<\/p>\n

Creative hobbies<\/p>\n

Getting creative, through drawing, painting or model construction, enhances cognitive skills and offers an alternative to screens.<\/p>\n

\"\" <\/p>\n

\"\" <\/p>\n

Social interaction<\/p>\n

Arrange playdates or group activities with friends, or for older kids try an overnight camping trip in the garden.<\/p>\n

\nHow to keep your kids off screens\n<\/p>\n

Lead by example<\/p>\n

Showing that you value offline time encourages your children to do the same.<\/p>\n

\"\" <\/p>\n

\"\" <\/p>\n

Have a reward<\/p>\n

Implement a reward system where screen time is earned through positive behaviour.\u00a0<\/p>\n

Open conversations<\/p>\n

Discuss the importance of balancing screen time with your children so they understand the reasons behind the rules.<\/p>\n

\"\" <\/p>\n

\t\t\t\t\"\"\/<\/p>\n

My goal is to save \u00a3100,000 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 \u00a3100,000 this year is that I spent \u00a370,000 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.<\/p>\n

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. <\/p>\n

The high-paying jobs I\u2019ve had have been stressful and I have already been working since I was 14. I don\u2019t want to have to sustain this level of pace of work in the long-term. <\/p>\n

I have prioritised maximising my earnings for a long time and have never been an over-spender. I\u2019m a Christian and humility is important to me. I\u2019m not materialistic and value experiences, including travel, over things. <\/p>\n

I started posting on TikTok (@tatianamamixo) and Instagram (@tatianamami) during my career break. I post about being a young, independent woman who doesn\u2019t always follow the traditional path. I share my lessons and learnings with other women and often talk about my financial and career goals. I\u2019m not making money from social media but hope to in the future. <\/p>\n

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\u2019m not convinced property is the investment it was once. I also like being able to invest the majority of my earnings. <\/p>\n

For the last four years I have been able to max out my \u00a320,000 annual stocks and shares ISA allowance. I have \u00a385,000 in a stocks and shares ISA with Moneybox and \u00a323,000 in a Lifetime ISA. I\u2019m not adding any money to the Lifetime ISA now. I add at least \u00a31,000 to my investments a month. I also have some cash savings.<\/p>\n

Saving money in a tax-efficient pension is a priority for me. I add \u00a32,900 a month to my work pension and my employer adds \u00a3950 a month. I have \u00a3120,000 saved in pensions to date. As a higher earner, I\u2019m comfortable with my net pay being lower due to salary sacrifice. I\u2019d like to retire when I am in my mid-fifties. I couldn\u2019t survive solely on the state pension. <\/p>\n

Money itself doesn\u2019t mean much to me but having a full life does. I\u2019d like to continue earning a higher income and earn \u00a3250,000 a year or more soon. There\u2019s no upper limit in my mind. <\/p>\n

Want to take part in How I Manage My Money? Email money@theipaper.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"In our How I Manage My Money series we aim to find out how people in the UK…\n","protected":false},"author":2,"featured_media":782407,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[64,63,99,186,59211,4363,184,185,1781],"class_list":["post-782406","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-au","tag-australia","tag-business","tag-finance","tag-how-i-manage-my-money","tag-pensions","tag-personal-finance","tag-personalfinance","tag-savings"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/782406","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=782406"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/782406\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/782407"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=782406"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=782406"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=782406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}