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Where your money should go

Chart showing an example of the breakdown of monthly expenditure for a male under 30, based on net monthly income after tax and NI of £1,182.
Sources: ONS Family Spending Report 2003 [figures increased to reflect inflation], and ONS Monthly Digest of Statistics 2004. Essential living costs include food and non-alcoholic drinks; clothing and footwear; fuel and power; household goods and services; health; transport; communication and education. Pension contribution based on half final salary using certain fund and earnings growth assumptions. Mortgage repayments based on interest rate of 6.0% for loan 3.5 times salary.