All about spending.

1. Accommodation

This is the highest variable. What ever it is, make sure you can pay for it all. Sharing, living with parents, renting your own house are all possibilities that can reduce your outgoings.

2. Food and clothing

 Food is a weekly thing and it also depends how fussy you are about what you eat. With care you can control it easily, also you can buy suitable offers (reduced, 2 for 1).

Clothing is also something very personal. If you wish to look a special way it may cost you , otherwise charity shops are a good choice.

3.Transport

For me a car is essential and unfortunately it cost a lot. If you are young, walking or cycling is the cheapest option.

4.Insurances

I would only get the one you need and shop around for the best value.

5. Leisure

This is entirely up to you. There are lots of things that can be done for free.

6.Savings

I would look for the best value available deals.  A visit to a finacial advisor may be a good idea.  Interests round 4.5% sound good, but many factors are involved and lots of research is advisable.

If you wish to be sencible you will stay away from:

drugs

cigaretts

alcohol

gambling