Скачать или смотреть How to budget as a 6-figure couple in the UK

If you and your partner earn £100,000 combined, planning your money can truly change your life.
Here’s how I would do it:

1️⃣ Plan your budget:
Spend 30 minutes each month reviewing your budget. Start with your income, then plan all your fixed and variable expenses to see exactly where your money goes.

2️⃣ Maximize your Workplace Pension:
Max out your employer match — that’s free money every month for your future.

3️⃣ Use a SIPP for tax relief:
Contributions get a 20% bonus from the government, so for every £1000 invested you get a free £200, and it compounds over time.

4️⃣ Avoid lifestyle creep:
My general rule is to keep fixed expenses (housing, subscriptions, council tax) below 50%.
Resist upgrading with every pay rise — it can save make a million difference over the long term!

5️⃣ Set limits for variable costs:
Use a prepaid card (like Hype or Revolut) for eating out, hobbies, and travel. You make it impossible for you to go over budget :occhiolino:

6️⃣ Invest the leftovers in a Stocks & Shares ISA:
All growth and gains are tax-free. I like Trading 212, Freetrade, or InvestEngine.

Over 15 years, the couple invests £1,250 each month in their pension and SIPP and another £1,250 in a Stocks & Shares ISA. By keeping this consistent and letting their money grow at 10% a year, they reach £1,066,950 accounting for inflation.

👉🏻Ready to get started in this journey with your partner?
Comment PLANNER to get my free budget planner. It comes with a video tutorial to set it up too!