LONDON Diaries - Ep_19 🇬🇧 | how I budget my £30,000/year salary 💷 | PETRA 🦀

[@mahle5]

I really enjoy listening to women manage their finances. Thank you for this video and sharing x

[@Petra_Fort]

@@mahle5 awww same here 🥰 I love when people are open about finances instead of just hiding it.. like it really helps to see what others do 🙌🏻

[@JD-ny9qj]

I’m the same age as you, I earn almost the same as you, have the same expenses as you, saving for house deposit, so it’s really great to see someone on the same part of the (sometimes tough) journey, it makes me want to keep going. However, I would say that you should take a serious look at putting some of that money into your pension. I know it’s rough when trying to save for a house but the younger you start the better. Time is the most valuable thing you have and compounding growth for that money will save you so much work down the line, not to mention the tax relief you get when contributing. I would suggest opening a SIPP but there are lots of great KZbin channels that teach you everything you need to know 😊 thanks for making this video and good luck with the job hunting ❤

[@Petra_Fort]

Awwww yay someone similar to me 🤗 I feel like everyone seems to be earning much more for out age so nice to see that our salary is also normal 🙌🏻.. I paid pension - literally stopped on the beginning of this year to save as much as possible.. Im glad I did it as it gave me extra money and only missed like 5 payments before being made redundant 😑.. now I actually on career break so all the savings going to traveling 🙈.. hope you will be able to buy soon 🥰 xx

[@user-bc3lo5yc4r]

Fab video. Really enjoyed the rawness of it. X

[@Petra_Fort]

Awww thank you very much 🥰

[@littlebear3879]

I use my library card to get. Physical and digital books (Borrow Box app and Libby)! No cost. The library app also gives me access to magazines and newspapers.

[@Petra_Fort]

@@littlebear3879 awww that’s clever 🥰 I had no idea that something like this exists.. I used to be physical kinda girl but since having kinda Im fully digital so thought that kindle unlimited would be the best for the money 🙌🏻

[@mirakostova6633]

Thank you for the helpful video🎉

[@danni11uk]

Wow, I am amazed how much you're able to save living in London, I know young single people just rent 1 bed flats rather than rooms and that is easily 1200+ gone, rent is THE biggest outgoing in London. I guess personal choices, good luck for your next job!

[@Petra_Fort]

Yeah it either you have your own place and live paycheck to paycheck or you sacrifice that and do house/flat sharing.. I was so far very lucky and lived with alright people so it was a nobrainer for me to stick to it and save as much as possible 🙌🏻.. thank you very much 🥰

[@followingthebabysteps4545]

You are doing an amazing job of saving!

[@Petra_Fort]

Awww thank you 🥰

[@rudhrakotti5658]

Hi am 259th subscriber to your channel! Nightout you spent lot for drinks i think so, but anyhow takecare of your health, Enjoy the life, all the best👍🏻

[@Petra_Fort]

Helloo and welcome 🤗🥰.. it’s not a lot for a London tbh - I used to do min of £180 on one evening sometimes even without dinner 👀.. thank you same to you, all the best xx

[@rudhrakotti5658]

Today is Friday do you planned for nightout?

[@Petra_Fort]

@@rudhrakotti5658 im on music festival this weekend.. Im on holidays so I did count with it 😅🙈🙌🏻

[@rudhrakotti5658]

Music festival wow! Enjoy it!!!! C

[@rudhrakotti5658]

Cheers!

[@freundinano]

I think I need to learn about the food budget from you, girl. I spend way more than that

[@Petra_Fort]

Awww 🥰 what really help me was fully plan my meels for a week or even for a month and than get as much ingredients in bulk 🙌🏻 like I was all about traveling across London for nice and cheap 10kg bag of rice 😅

[@Samphire2]

I thought you did well with your money, you pretty much do exactly what i do, right down to the Barclays blue rewards. During COVID my husband was made redundant from his job at an airline and i was unable to make any sales with the business i ran from home, so we had to go for, i think it was, 10 months on our savings in the end. Since we own a house, this was tough, but we did it because we had no other loans, debts etc. I cancelled everything that was unnecessary and we didn't go anywhere or buy anything except the cheapest food from the supermarket. I am so glad, that the fact we were always sensible with money meant that we didn't loose the house and everything we worked for. You seem to use your finances in the same way and it will stand you in good stead during the tough times, you never know what is round the corner in life. Edit: I forgot to mention, i have also been where you are in terms of not being able to sleep all night and it sucked, it was quite a few years before i managed to get it under control somewhat and it was by imagining scenarios i enjoyed, while trying to get to sleep. By fitting myself into an enjoyable story, sometimes ones like a film i had just watched or a book i read, then i was thinking about that and not worrying about real life. Most times i fell asleep before i got very far in my 'story'. Anyway, i wish you all the best :)

[@Petra_Fort]

Awwwww that sounds so tough 🥺 well done managing so well and having enough buffer!! 💚 That’s what Im the most worried that I wouldn’t have big enough buffer in case something happens.. a month ago I have been made redundant out of nowhere and omg Im so glad that I was strict with myself and my finances as I have now some time to figure out what’s best for me next instead of taking the first job to be able to afford my bills.. About the sleeping I was trying everything - watching disney, reading possible books before bed but nothing was helping.. But now I can sleeo well as I finally have a plan and things moving in a right direction 🤗

[@Samphire2]

@@Petra_Fort I am glad you are moving in the right direction and can feel a sense of peace about it. It feels horrible and very personal to be out of a job when you didn't want to leave. By being smart with money you have set yourself up well, if you were to move out of London the cost of living would be quite a bit lower, is it something you would consider?

[@Petra_Fort]

Thank you 🤗.. yeah it does, I was eventually planning to leave anyways but just loosing a job on spot is the worse feeling.. yes, I used to live in Kent actually during the pandemic and now I’m planning to relocate again - I will share it in video in 2 weeks time 🤗

[@Samphire2]

@@Petra_Fort fantastic, i will make sure to watch :)

[@missmelissaf.9218]

Here from tiktok. Had to know how you do it 😂 I’m considering moving to London and the salary is only manageable with crazy budgeting

[@Petra_Fort]

Helloo lovely 🤗 if you want to also save money then yes, budgets will be your best friend 🙌🏻.. otherwise it will be paycheck to paycheck most likely.. before I cut everything unnecessary out I max sved like £400 on a good month 👀..

[@mirakostova6633]

Hi, I think you are very good in your saving amount, do you invest in something like shares stocks index funds? And also you didn’t mention anything about travels? Do you travel?

[@Petra_Fort]

Hiya ☺️ thank you.. no, I do not invest - I probably should as Im missing out, but Im too scared to loose the money.. I only put my money in high interest savings accounts.. I do travel - I usually do one big trip a year - last year did 2 weeks in South Korea and couple short ones like going home to Czech Republic and around Europe (Copenhagen was the last city).. like atm Im on career break and using all my saved money to do nothing 🤣 so far 4 months in and currently Im in Japan and then will travel Asia till January.. my plan was to save as much as possible and when I fell it to treat myself to holidays without any limitations as that’s usually how I spend my money instead of materialistic things 🙌🏻

[@wintersnowowen2254]

This is very admirable. I live in London on around £55,000. It’s incredibly expensive here, I have to budget everything and can only save a few hundred pounds a month. I don’t think I could do £30,000.

[@Petra_Fort]

Awww thank you very much 🤗🥰.. London is crazy expensive especially since Covid 🥺.. yeah I feel you £30k aren’t manageable long term or if you have a family.. I realised that my future aren’t in London anymore and focused on saving as much as possible, without that I would be saving way less and amybe even living from paycheck to paycheck 😑

[@wintersnowowen2254]

@@Petra_Fort yes, you could always try and get a higher paid job. Hats off to you for making it work!

[@donaldlyons17]

Is she living on her own? Or is she living with someone. I assume bills are split is she is not solo living but all that makes a huge difference. Seeing her living solo on £30K would be amazing.

[@Petra_Fort]

@@donaldlyons17 not sure why you address me as “she” instead of you but fair.. and obviously I lived in shared place - the rent all in £600 would be too low for my own place.. use your common sense 😉

[@donaldlyons17]

@@Petra_Fort COMMON SENSE unless I missed something your videos thumbnails show yourself. And no you could live on your own on even on £600 you know how right? It is called having a super cheap place to live..... rare but I should not assume with BILLIONS OF PEOPLE!!!!

[@Petra_Fort]

@ fair, I might have make it clear in the video, however living in London all in for £600/month is impossible unless you found some miracle.. so I assumed people will get that the rent is just for a room 😉

[@donaldlyons17]

@@Petra_Fort The only reason I thought you might be living that cheap on your own was because I used to sell rooms in my apartment for $200 USD with bundled rent, all utilities, and internet access!!! In this case that is possible but just so!