![]() Make a list of goals you’ve accomplished for the company, and make sure you say how this has helped. You’ll need to prove why you deserve a pay rise. Know what makes your boss tick, and use this to negotiate on an equal footing.l Back yourself up. It’s easy to feel like your boss has control, but remind yourself that they need your skills as much as you need your job. Nicole Soames, author ofThe Negotiation Book, reveals how to tackle the hardest question and hone your bargaining skills… Tuesday 1.30pm It’s my friend Charlotte’s birthday, so I buy her some flowers and a candle (£25) 8.30pm Dinner at Byron for Charlotte’s birthday (£15) Total: £40 Pop to Waterstones to buy a new book (£12.99) 8pm Night in with Netflix Total: £12.99 Monthly outgoings Rent: £700 (I share a flat with a friend) Utilities: £140 Transport: £0 (I walk to work) Phone: £40 Other: Netflix £3.50 Savings: £250-300 per month Debt payback: £100 (credit card)īee’s money week Monday 8am Breakfast at home, then tea at the office 1pm I always make my own lunches. “I just need enough for the small stuff that makes me happy.” ![]() “I took out an IVA (individual voluntary arrangement) with a company who consolidated my debts and paid a monthly sum (a lot less than credit-card fees) until it was cleared.” Now, despite living in London, she finds surviving on her salary manageable. In her twenties, her spending spun out of control, leaving her with credit-card debts running into thousands. “I’m very careful with money, but I’ve learnt the hard way,” says Bee. Sunday is food-shop day, so I stop at Tesco to buy bits for the week ahead and flowers for my bedroom (£40) Total: £40īee Browning, 37, is an office administrator for Hamptons International estate agency in Twickenham, London Sunday 5pm Back to Basildon (dropped off by my sister). Saturday 9am Purchase a Travelcard (£10) 9.30am Boxing and HIIT workshop with my sister and friend (I’ve already bought a nine-class pass for Another Space, so no extra cost) 12pm Lunch at Chick ‘n’ Sours (£18) 5pm Tube to Stanmore to babysit my friend’s daughter Total: £28 Train to Leigh-on-Sea (£5.10) and dinner (£16) 1am Miss the last train home! Manage to get a lift back with a friend Total: £21.10 Thursday 9pm Farewell meal with fellow Year 1 doctors, who are all moving to new jobs. End up buying both (£25) #SavingsFail Total: £29 Wednesday 7.30am Coffee and pain au chocolat (£4) 6.30pm M&S for wine or prosecco for tomorrow evening’s meal. Go for a run, which reminds me to pay entry to the Amsterdam Half Marathon (£30) Total: £40 Tuesday 7am Lift to work with one of my housemates 8pm Pick up some extras for dinner from M&S (£10). Monday 7am Breakfast at home, then walk to work 11am After working out that I was spending more than £35 a week on coffee, I now take my own jar of Nescafé to work 2pm Lunch (brought from home) 9.30pm Dinner and TV at home Total: £0 Monthly outgoings Rent: £400 (houseshare) Utilities: £40 Transport: £0 (I walk to work) Phone: £12 (I have a SIM-only contract) Other: £120 on fitness/yoga classes Savings: £500 (I locum for extra cash) Debt payback: £115 (student loan) I worked to sustain my spending, but as I’ve got older I’ve realised that if something happens, there’s no financial buffer. Weekly spend = £235.67 The splurger-turned-saverĪmile Inusa, 26, from Basildon, Essex, is a Foundation Year 1 doctorĪmile confesses to being an ex-spender, but has changed her ways: “Before uni, I took my spare cash for granted. Sunday 9.30am Run the Leeds 10K (entry fee already paid) 6pm Barbecue at a friend’s house Total: £0 Saturday 12pm Lunch out with Nanna – her treat! 5pm Buy petrol (£20) and a hangover-friendly dinner for me and my sister: chicken (£1.99), pasta (£1), sauce (£1.99), Diet Coke (£2), crisps (£1), dip (£1) and chocolate (£1) Total: £29.98 I buy raffle tickets (£10) and drinks throughout the night (£40) Total: £75 Thursday 8am Grab a coffee (£1.99) and pick up some salad (£4) for lunch 7pm Drop into TK Maxx to buy my grandad an iPad case for his birthday (£25) 8pm Buy extra dinner supplies: avocados (£1.99), coconut water (£1) and feta cheese (£2.99) Total: £36.97įriday 1pm Out at meetings, so buy sushi (£4) for lunch 5.20pm Stop at Sports Direct for new running socks (£8) and an Adidas sports bra (£13) 7.30pm Charity event. Decide I’m going to stay over (because of the wine), so pick up trousers (£8), underwear (£6.99) and a toothbrush (£1.99) Total: £22.97 I buy a bottle of wine (£5.99) to take to my friend’s house after work. It’s next to the office, so I do nearly all of my shopping there. Tuesday 3pm Book a ticket to see my cousin in West Side Story (£12) 8pm Head to the gym and use the Jacuzzi and sauna (included in my monthly membership) 10pm Put some petrol in my Mini (£20) Total: £32
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