A woman living outside Glasgow has shared a sneak peak into her life as a tax adviser who is currently earning £50,000.
Living with her boyfriend and two cats, the woman says she started off living in London for nine months having been accepted to a graduate programme with a Big Four accountancy firm back in 2012 and after the nine-month period passed, she joined the Glasgow office and continues to work there.
Speaking to Refinery29, the 32-year old admits she is "extremely lucky" and makes more money than her partner.
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Although they split the bills, she says she tries to "pay for all household repairs and food" as well as saving some money each month but is a firm believer in the saying "here for a good time and not a long time'" and will use her credit card if she wants something.
After PAYE, NIC, pension and charitable donations, her monthly salary comes to £2,882.99.
The woman explains that her housing costs come to £450 which covers her half of the mortgage, utilities, TV licence, internet, council tax, home insurance, TV subscriptions as well as cat insurance.
In addition to this, she contributes £180 a month to her pension and has no outstanding loan payments.
In terms of savings, the advisor says she has £20,000 in an ISA, £500 personal savings, a £60 in a fund for the cats to cover things such as food and litter.
Other costs include her phone bill (£38), gym membership (£85), Cineworld pass (£16), professional subscriptions (£75), road tax (£11), cleaner for her gran (£22), petrol (£150) as well as a milk delivery costing £24.
Although she admits to having a comfortable lifestyle telling Refinery she "grew up in a family where money was never really an issue", she explains she was able to go on "holidays abroad two to three times a year and never went without anything."
Having been taught to take care of her own money, she admitted that she never became financially independent until she landed her first full-time job at the age of 22 and says her dad paid her mortgage until that moment. Before this, she worked in a chip shop at the age of 14.
She continued: "My friend worked there [chip shop] and got me the job. I had starting smoking so got the job to fund my cigarette habit (which I have now thankfully kicked) and to pay for going out at the weekend with friends.
"I moved out when I was 19. I bought a house using money that my mum had inherited when her mum passed away. My mum gave me £40k and when my sister was old enough to move out I re-mortgaged and gave her half of this. "
Thinking about money, she said she isn't worried about the financial side of her life explaining: "I make a good amount of money and have a decent amount of savings. I have stayed in the same two-bed house so I can easily afford all of the bills etc. on my own and still have some left over if needed.
"My partner lost his job last month so I cancelled my cleaner (£140 a month) and PT (£200 a month) to save a bit of money but hopefully I will be starting those up again soon."
When asked is she had ever received passive income, she said that she had.
Concluding she added: "I am extremely lucky. I received the deposit for my house (£20k my share), my dad bought my first car (£5k), I was given money towards university (£3k) and whenever I am doing any renovation in my house my dad always gives me £1k.
"I have probably had about £5k from him over the past five years. My dad and I spend a lot of time arguing about money (he keeps trying to give me money and I don’t want to take it) but I cave in most of the time as it isn’t worth fighting about."
