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What we spend: Two single creatives living as housemates in Sydney

By Jemima Skelley|

Household finances can be a tricky thing to manage, especially when you're living with someone who has different financial habits than you do.

With our What We Spend series, we're taking a look at the different ways Aussie ?couples and housemates spend their money each week.

This week, we chatted to Hadley and Andy*, two housemates and creatives, living in an inner-city suburb of Sydney.

Hadley: A 30-year-old journalist who earns $73,000 per year.

Andy: A 31-year-old freelance creative who averages the equivalent of $77,000 per year.

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Roommates having breakfast together before morning classes at university.
Hadley and Andy are housemates from Sydney. (Getty)

What are your weekly bills/expenses? Any savings?


Rent: $330
?Groceries: $65
Public transport: $32
Streaming services: $12
Meditation app subscription: $4
Phone: $24
Utilities: averages $17/week, billed quarterly
Health insurance: $24
Pet food: $18
Emergency fund: $100
Savings: $200

Total weekly spend for Hadley:? $826


?Rent: $380
?Groceries: $40
Streaming services: $12
Adobe subscriptions: $28
Phone: $13
Utilities: averages $17/week, billed quarterly
Gym: $22
Credit card debt repayment: $80

Total weekly spend for Andy:? $592

?What are your thoughts on your spending habits? Do you spend much outside your weekly regular expenses?

Hadley: My weekly expenses are pretty standard, I think.? Every week I put $100 in an emergency fund to have me covered in case something goes wrong. In the past I've tapped into it to book flights for a holiday (oops), but it's reassuring to know I've got the cash there if I ever need it. I aim to save $200 a week as well, though I'm not saving up for anything in particular.

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While sitting in a coffee shop, an unrecognizable woman uses a banking app. She is checking her account balance.
Hadley puts money in an emergency fund every week. (Getty)

Andy:? As a freelancer, it can be hard to relax with my finances 每 I never know when the work may suddenly dry up. I also have some big work-related expenses, like higher rent (I use our spare room as an office) and Adobe software subscriptions. I have a pretty big credit card debt to pay off, which I try to do every month.


Hadley: ?I work from home on Mondays, so I didn't spend anything all day.

Andy: I took an Uber to and back from a shoot, which totalled $45. I can claim these on tax, which is great. ?I bought lunch and a coffee, for $22, but cooked dinner at home.


Hadley: I bought a sandwich for lunch, which was $14. On the way home I stopped at the pharmacy 每 I have a script for medicinal marijuana and picked up my monthly supply. It's $300, which is steep but it really helps.

Andy: I just stayed home all day, but bought a coffee while on a walk for $5.20. After work I went to a yoga class with a friend, which cost $18.


Hadley: I bought a coffee, $4.80, and got free lunch at work. I had dinner with some friends, we split a bunch of dishes and paid $24 each, then I took a $11 Uber home.

Andy: I simply couldn't focus on anything at home, so I camped out in a cafe and worked from there for the day. I bought two coffees and a salad, so my bill was $27. I had dinner with Hadley and some friends, which was $24, plus $12 on some beers that I brought.

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Group holiday party of asian people Eating dinner and drinking beer at home
Andy says that he spends most of his money on eating and drinking out. (Getty Images/iStockphoto)


Hadley: I didn't spend anything today, as I went straight home after work and cooked dinner.

Andy: I spent the night at my boyfriend's place, and we ordered pizza. I paid because he bought dinner last week 每 it was $35.


Hadley: I worked from home, then had a movie night at a friend's place. I bought a $17 bottle of wine on the way over, and got a $22 Uber home.

Andy: After working from home for the day, I went out to dinner and drinks with some friends. I spent $85 all up.

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Hadley: My friend drove me to the beach, so I bought both of our coffees, $11. I stayed home all arvo and evening, but spent $175 online shopping as I need some new clothes for summer.

Andy: I went to the markets and spent $45 on a juice, a pot plant, and a new shirt. I cooked dinner but spent $30 on some booze.

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Woman in cafe shopping online with laptop
Online shopping is one thing Hadley spends a lot on. (Getty)


Hadley: Andy and I went out for a long walk and brunch, where I spent $24. I also spotted a chic lamp in a vintage store on the way home, which cost me $55.

Andy: Brunch was $28, and then I bought a bunch of books from a second-hand shop for $15.

Total weekly spend for Hadley:? $657.80

Total weekly spend for Andy:? $391.20

Final thoughts

Hadley: I wouldn't say that I'm responsible with my spending habits, but I'm not too bad. The medicinal marijuana was a big expense this week, as was my online shopping, but I didn't go over the top.

Andy:? Going out and eating/drinking are definitely my main expenses. It's something I could probably try to cut down on a bit but I'm a social guy and I love going out.

*Names have been changed.?

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