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Hi guys I’m 26 now but I think I may have fucked up when I was younger. I’ve done well in my job and been promoted. My monthly pay (before tax) is around £4400-£4800. This depends on tips / service charge. I’m a general manager in a popular restaurant. The problem is after tax / pension / student loan / NI I’m only getting paid £3300-£3500 a month into my bank. Im getting paid more than most of my friends working in “corporate”/ “office” fields. But my problem is I never have money… I live with my partner in a 2 bed flat in Wandsworth. The rent is £2200 (we split 50/50), however I pay all the other bills as she’s only earning around £30k a year. I owe my Amex around £4k, I’ve only been making minimum payments, I honestly opened an Amex cause I thought it was cool and a sign of doing well. Basically a flex, but I have seriously fucked myself over. I also took out a personal loa

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