What I spend In a Month as a Banker Living in London

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Title	:	What I spend In a Month as a Banker Living in London
Lasting	:	7.08
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👉🏽 My first $100k tracker (free): nischame/personal-finance-trackerbrbrBeen getting more views on this video than I expected Thanks for watching! Just to clarify - there are expenses that I don't cover in this video because they go into my 'business expenses' as opposed to my monthly 'personal expenses' So whilst it may look like I must be saving a lot, in reality a lot of it gets reinvested The key message I hope to convey is where possible, live below your means and (re)invest Xx
Comment from : Nischa

Hello - Thanks for sharing
Comment from : SD

What would be your typical rent amount for your apartment if you were to rent?
Comment from : W

Poor future husband, you are expensive :)
Comment from : SeaOfTranqulity

First realistic expenditure video for a finance professional I've seen for London (I used to be trader for an IB in London)! Thanks for the video :) I would say that the holidays and ad hoc spending is a pretty decent portion as well but i am glad you made that clear
Comment from : Afiq Hatta

Pound 120 a month for grocery !!!!!
Comment from : Zhilinjain

120£ monthy for groceries? wtf? I spend 700-800€ monthly (for me my wife and baby) just on groceries in France (and not even in Paris), and we avoid processed foods
Comment from : M1lkk

This is such a helpful video!
Comment from : Glenys Navarro

Overall, your shelter expenses are low Rent in Chicago is way more than your mortgage Your (was it called?) grounds fee is very low compared to HOA fees here I think eating out is comparable
Comment from : N M

wow, that mortgage was a really good deal, I wonder what deal is/would be your next one As an accountant, you must have the knowledge to negotiate or find a better one I would love to find out how it turned out for you!brAnd thank you for sharing this I just realized I must write everything down, even though I live below my means, somewhere I spend way more than youbr100 pounds for the train? how? I would be so happy to pay the same price Is it within the same zone? brVery last one, loooove your accent and clarity, as a foreigner it is like a pleasure, I have so much joy listening to your videos xx
Comment from : kristiana s

I came here just to see u speaking ❤
Comment from : Creative Cuts

how´s your mortgage only 1200 living in central London??
Comment from : AA

We want a list of things so that We calculate Ours Thanks for this video
Comment from : Anncilla J

Love your videos! Can I just say that putting a camera in the fridge for your B roll is top quality! 🤪
Comment from : Robert Sweet

Beautiful, lucid, clear, open, honest explanation of your life and I thoroughly enjoyed this video Honestly, I would have thought your makeup/beauty bill would have been huge for very obvious reasons
Comment from : Megapangolin

INFP
Comment from : IM HO

Something which is actually worth you clarifying Nischa is, these are YOUR expenditures? Not the HOUSEHOLD expenditures? So the household expenditures would actually be DOUBLE this? (I assume you’re married because of your ring) Can you please clarify this?
Comment from : Mel C

I'm only here to see ur beauty, gosh you're beautiful, are u married?
Comment from : George Mazibuko

I wonder how this has changed I find my food bill has gone up so much
Comment from : Jennifer Barlow

are you able to give advice on which part of a financial career path is best to go on and are you able to disclose briefly what you do as a bank analyst / VPbrbrim young under 25 and have half done an accounting degree but still have the opportunity to switch paths before its too late - eg business analystbrbrcheers
Comment from : SuperSportSS

Nisca you are a beautiful Accountant So smart
Comment from : Carol Carol

Really useful! Thanks for sharing!
Comment from : Krishen

Yes, how DO you do that with the groceries? We’ve got a family of four and spend about that much every two or three days!
Comment from : Robyn Perry Coe

No new music instruments?
Comment from : mrfuzztone

As you said in a previous video, it's important to marry a like minded person
Comment from : Melissa

£120 a month on groceries That's so low Are you sure 😅
Comment from : Zero

Hi Nischa I have a video request I'd love you to do a video on how to manage and grow your finance as a person who's just starting out a self employed job Thank you in advance 🙏
Comment from : David Paul

Hi Nischa Your life and investment advice has really helped me Your videos are clear, concise, and easy to follow
Comment from : Tim Turko

Yep clearly can't afford you
Comment from : MDT -

Nothing spent on health and fitness just yet ?
Comment from : Nadya Shah

Hey Nischa, I can't seem to download the finance tracker from your website? It says 'submission failed' when I enter my name and e-mail Any ideas? Thanks
Comment from : leLIVREinterdit

Audio quality is absolutely terrible again You need to fix the echo and volume is way too high
Comment from : Jimmy A

your videos are really inspiring, everything is to the point and I am binge-watching I am reaching my 40s and i feel like I should have done proper investment long back
Comment from : Shabs Paradise

Lol I'll go ahead and ask what I'm sure a lot of viewers (men) are wondering -- are you married?
Comment from : The Come Up

The ability to regulate wealth through the time of economic collapse is true riches
Comment from : Grace Rama

£1200 for a two bed in london?? Your lucky that's super cheap! No way to get a mortgage like that today with the ridiculous rates and house prices Anyways nice vid thanks for sharing!
Comment from : Julien

In your Wants list, I'd remove Spotify 😅 My Spotify is unsubscribed, meaning I don't pay for what I deemed unnecessary: the ability to skip songs to avoid 30 to 60 seconds of advert during which I usually go to the boys room or the fridge In the car, I just listen
Comment from : MAHMOOD RAZAK BAHMAN

what a beautiful woman
Comment from : Investe lemos

Hi Nischa, thanks for this lovely video, was wondering if you could share a video on your expense tracker - how do you track it, formats etc It would be greatly helpful, thank you!
Comment from : Ria Rawat

The relative information much needed thanks you share it in honest way it really matters to keep check in your cash flow in and out and opting for minimilstic and functional future brDo let me know if we can see jewelry as investment from a lady perspective 😬
Comment from : Rabia Irfan

I was shocked at the cost of your living expensesbrbrThey were much MUCH lower than I would have anticipated for someone living in a reasonably (at worst) appealing part of London I'd always heard London was extremely expensiveespecially for housing
Comment from : ThomasFromTN

How is it possible to have grocery for 120 per month in London? £250-350 for me minimum Like how?
Comment from : Mari L

How do you spend £120 per month on groceries? What are you eating pot noodles all month
Comment from : Chris Woods

Kayaking on the Thames? Yikes! What if you fall in???🤢
Comment from : Cecile Ho

I’m living in the US, and not in NYC or the expensive west coast Most of the Needs part of mine is very similar But NOT the GROCERY!!! We, as a couple, need to spend around $600 each month on grocery 😅
Comment from : Kiki Shmoo

I can understand Nischa living in London because of her job, but why anyone who doesn't 'need' to live there would actually do so is beyond me It's a bloody awful place Hideously expensive, massively over-crowded, Bangkok-levels of gridlock, high crime even relative to the rest of the UK, and people generally are rude/have a piss-poor attitude And thanks to Brexit morons, London has lost its place as a prime financial hub, so Nischa might not need to stay there for too long anyway
Comment from : The Mancunian Candidate

It is kind of strange for me that you do not include the costs for health insurance in your fixed expenses
Comment from : Chimaera_23

Your wants expenses is more than my salary in Cape Town, South Africa 😂😭
Comment from : Cape Town Central

Surprised how cheap London actually is compared to rest of England were wages are much lower 😂
Comment from : klaudula5

I don’t even take home 2k a month hahahah
Comment from : JacobN

She clickbaited me
Comment from : Hidden Realms

Hi Nischa, thanks for the video- out of interest did you put down a large deposit on your apartment? £1200 for a mortgage sounds really low for the UK no?
Comment from : Akosua Koranteng

Austin is much more expensive! I am surprised at your expenses living in London it's amazing
Comment from : tehmina Syed

You do not have a monthly subscription of £ 1599 to Netflix? Amazing!
Comment from : radish550

Thanks
Comment from : Luke Walczak

No clothes in the last 6 months? Hmmmm…
Comment from : Something Like Anonymous

What about health insurance?
Comment from : linda aswad

Wow! Your discipline is extraordinary As for the "when I was younger" commentI only started saying that after I turned 50!
Comment from : Richard Amos

Love all your videos, eye openers for sure Treating your income & household as a business re income V expenses is so very importantbrPlus a lot of common sense & not just wishing for the best is powerful 😎
Comment from : Gurmit Mal

My rent is £5700 a month 😅
Comment from : 104 Restaurant

Great content and well-paced delivery I am so glad you don't do those sponsorship plugs, that's why I unsubscribed to several other channels
Comment from : Captain Leo

Hello @nischa, great thanks for sharing the finance tracker template, although, if I loaned a friend a sum amount of money, where does it fit in your template?
Comment from : Georges Ghoussoub

I think some of these figures provided here on lunch dont seem very realistic unless you eat at pret, but for example i also work in the City and farmer j meal coats 10 quid, add a drink to that and maybe coffee you get easily to 14-16 quid range I am not even talking about if you want to grab another coffee or crisp or a chocolate Yea you can eat relatively cheaply but its gonna be cheap sandwiches which are ultimately not very good for your health and without extra luxuries, certainly not for 8-9 pounds I mean artisan coffee costs between 360-4 quid in the city London is extremely expensive so unless you are making 6 figures saving anything is very hard
Comment from : Slavik

You can't call mortgage payments half capital and half interest
Comment from : Adam Hayeem

Woiiiibr U ra reallllll pgrabbbber doing 3 jobs etc
Comment from : Tahiti Treackle

£120 a month on groceries? That is insanely low
Comment from : Adam P

Who cares? Ya not important just privately educated and can speak
Comment from : Benjamin Button

For a physically hard worker It is impossible to feed yourself diversely with such an amount of money
Comment from : Octavian Blindu

One thing knowing London that surprises me is your low housing outgoings, (in this case mortgage payment) as I'd say typical 2 beds in a primeish location usually rent for at least GBP2-25k pcm and mortgage repayments with current rates would also be meaningfully more (around 25-3k assuming proeprty value ca 650k, 25ltv @45 rate) Seems you have double benefit of a large amount of equity (w your loan estimated at ca 300k) and having locked in a very low rate Fair enough! How long did you manage to fix for?
Comment from : Matt C

But how much do you make ?
Comment from : Skylar Marchae

Me: br£3200 pm 1 bed apartment br£1200 for other basics total £4400 pm brbrWant to bring this down by getting an place that's max £1500pm
Comment from : N Bazillion

One main thing you forgot to mention, you may see this or not and reply or not but let me ask you, are you single? haha Good Luck
Comment from : H T

yeah spending habbits is massivebri know y alooot of people r still workin now alooot of it has to do wit spendin habbitsbrbri remember guys i knew 13yrs ago i hung wit for 5yrs few had similar habbits spendinbr1 weeks worth of money spent by guy i knewbrbr1 fuel - $100- $150 to many joy rides stoned & to drive to coast often 2hrs drive to coast wit hmbr2 drugs - $180- $400 weed,alochol,pills,speedbr3 food - $200-$400 mainly brough food frm food trucks & petrol stations & fastfood placesbr4 gambling -$200-$500+ he had gamblin issue at times brbry i look back at aloooot of people i use to knw & c y they stil workin i doubt der habbits hav changed much if they stil workin brbrothrs hav aloooot of DEBTbrmy common sense has caught up in my 30s im 34yrs old now im more aware & able to thnk & not b so dumb about money i couldnt even read timetables for public transport & even mak my own card so weekly yeears ago id only get $150-$250 a week workin 5days a week & overtime at times was how DUMB i was burned me wit such common sensebrbrnow im alittle more stable & awarebrbrmy spendin 1 week bronly started wrkin again 3weeks nowbrbr1 fuel $55 brlasts me 7-8days i dont wana ever catch public transport takes 15-2hrs to get to work whn i drive takes 20-40mins brguy i work with now gets up at 4am to get to work starts at 8am time consuming & uber costs to much i prefer drive to work fatigues u with amount of travel on bus & trains also brbr2 food $70-$120 lasts 5 days its my lunch for week & after work meals brbr3 no credit no social life atm only used it to find work been 3weeks no credit has been broughtbrbr4 saving alot more now brbr1st pay last week i brought FULL LICENSE 5YRS ,AIR HUMIDIFER , WALLET, FEET PADDIN FOR WORK ,NEW WORK BOOTS & SOCKS ,FOOD & FUEL & RENT TO PARENTS brbri spend my money ok im lookin to finish workin with agencies in 2-3yrs frm now go independant & wrk frm home brenviromental & health issues brno loans ever i cash everythng & spendin is conservative til i mak alot more in future br& develop alot more skills to mak spendin & doin thngs easier also providin a service in future for money brbrhouse thng i want my own in future & live off grid in future also & or findin othr ways round to cheaper payments if possible im jus focused on few thngs at a time atm i'l educate myself on real estate in future
Comment from : buu zuu

Who the hell cares about you or that cesspool london!
Comment from : R G

You are the best so far i find on youtube i just have a question i m in need to buy the house or flat would you recommend buying in this market where the APR is too high ?? Appreciate your answer thanks
Comment from : Ambreen Nawaz

You really think you are mental healthy?😬
Comment from : International Football News

Great video - for my kids' birthdays I've also always done "memories rather than material"brPay your mortgage down in the background as you have a really great place and super rate for now - for now! ;-)brUber for safety - absolutely
Comment from : Andy Jackson

how does she spend only £100/month on train when a zone 1/2 monthly ticket is just under £150/month, unless she works and lives only in zone 3&4 which is £110 a month, but there isn't many banker jobs outside zone 1&2
Comment from : systemchris

You spend more than average salary in the UK by a couple hundred pounds and that's not including a car, insurance, childcare, fuel, really tiny budget for groceries as you sometimes have expensed lunches Not criticising you but rather pointing out the crazy prices, how on earth are young people or people who earn much less than you meant to sustain themselves and save for a mortgage if basic living expenses are so high Current economy is demotivating 🥴
Comment from : Mazza 9520

Which side of london do you stay?
Comment from : Mansour Khan

Eating out £300 omg! our 4 family of 4 spend £50 a month
Comment from : Taz Bo

Why do you pay £10 for Spotify? I pay £3 a month for the premium subscription
Comment from : John OConnor

No health insurance or other insurance costs?
Comment from : John OConnor

Only woman can live so cheaply, cause guys offer all dinners and stuff
Comment from : Giorgio Ciancaleoni

Honestly I'm mesmerized by her beauty
Comment from : afzongho

How far do you have to commute ? how many years is the mortgage repayment ? thanks
Comment from : H

Dear god I don't even make enough to cover those expenses and im livin in london
Comment from : Jairus Marcus

This woman is amazing Countries have fallen for the love of a woman like her
Comment from : Mikael

beauty and the brains!
Comment from : Sriram Kumar

thanks for being so transparent with finances, it is very helpful for me as i'm trying to educate myself on money and my budget :)
Comment from : Sophie Lejeune

120 GBP a month for food?? It seems totally unrealistic
Comment from : VM

You forgot to tell how much you spend on your investments!
Comment from : kaypee1972

So what will your pension payments be when you have to refinance at 4 base rate?
Comment from : Barry Boomere

Matter of safety and you use uber haha Use a black cab
Comment from : Ben L

The budget seems quite measured, I like it Increasing growth and wealth in order to save more is a good point too Will tell the Home Office 🙂
Comment from : W A

What’s your insta?
Comment from : Michael Fernando

What's your motivation living like that? Long hours, no car, trains/buses, dark/rain, 20 year mortgage for a lease, everything expensive
Comment from : Vahe Hovhannisyan

I live in London too, very interesting to see what you spend Was most surprised by your groceries being only £120, that’s very economical 🥳
Comment from : Stuart Hendry