{"id":52316,"date":"2025-08-01T10:43:07","date_gmt":"2025-08-01T10:43:07","guid":{"rendered":"https:\/\/www.newsbeep.com\/us\/52316\/"},"modified":"2025-08-01T10:43:07","modified_gmt":"2025-08-01T10:43:07","slug":"an-emergency-services-trainer-on-38719","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us\/52316\/","title":{"rendered":"An Emergency Services Trainer On \u00a338,719"},"content":{"rendered":"<p>Housing costs:\u00a0I transfer B \u00a3500 a month as my contribution to our housing costs. B owned the flat before I moved in, so we looked at the numbers and agreed this was a fair amount towards the mortgage and bills. B earns more than me (around \u00a348,000 plus income from a second job) and the mortgage is in his name, so he does contribute more than I do. I\u2019m conscious that this is a fortunate position to be in, as lower living costs allow me to save a lot more than I was able to before we lived together. We\u2019ll hopefully buy somewhere together in the future, which will likely raise these costs by quite a bit.<br \/>Loan payments:\u00a0My student loan comes straight out of my paycheque \u2014 at the moment, this is \u00a388 for my postgraduate loan and \u00a376 for my undergraduate loan.<br \/>Pension? I pay in 6.5% (usually around \u00a3200) and my employer contributes 18.5% \u2014 one of the few perks of the public sector. <br \/>Savings?:\u00a0Around \u00a332,000 split between a LISA, Stocks &amp; Shares ISA and easy access savings accounts. A majority of this is in my LISA to make the most of the government bonus, but I\u2019ve been building up an accessible emergency fund to make sure that I could support myself for a few months if I weren\u2019t able to work for whatever reason.<br \/>Utilities: These are included in the amount that I transfer B above. I also transfer \u00a3250 into our joint account to cover food shopping and miscellaneous bits for the flat.<br \/>All other monthly payments: \u00a325.38 dental insurance, \u00a36 SIM only plan with Smarty, \u00a3400 annual gym membership, \u00a340 for a wellness membership at a local centre, which gets me one session in a flotation tank each month (100% worth it).<br \/>Subscriptions:\u00a0\u00a312.99 Netflix, \u00a311.99 Spotify, \u00a33 for Disney+.<\/p>\n","protected":false},"excerpt":{"rendered":"Housing costs:\u00a0I transfer B \u00a3500 a month as my contribution to our housing costs. B owned the flat&hellip;\n","protected":false},"author":2,"featured_media":52317,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[28,2297,147,530,2138],"class_list":{"0":"post-52316","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-money-diaries","10":"tag-personal-finance","11":"tag-personalfinance","12":"tag-work-money"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/52316","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/comments?post=52316"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/52316\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media\/52317"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media?parent=52316"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/categories?post=52316"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/tags?post=52316"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}