
What I Spend in a Week as a Graduate
Everyone’s finances look different, but I thought I’d share a realistic look at the kinds of things I spend money on in a typical week as a graduate.
Last updated: January 2026
You might be thinking about living in a house share to save money and split expensive bills, but what is house sharing, and who is it for?
A house share is just a group of people who live in the same property. Although the name implies it has to be a house, flat shares are super common too. Typically, these people aren’t related; usually, they’ll be friends or even strangers who connected online.
You might associate this with student house shares, and while it’s true that the majority of students live in a house of multiple occupancy, there are also plenty of house shares designed for young professionals. Not sure of the difference between student and young professional housing? Check out our guide for the full breakdown.
Now, we’ll talk you through the pros and cons of living in a house share, so you can decide if it’s the right vibe for you.
The biggest benefit of house sharing compared to renting a property on your own is the significantly lower cost. You only pay your own share of the total rent and bills, so it’s ideal if you’re on a tighter budget.
Shared accommodation doesn’t just mean you get to share the rent and bills; you’ll also share the boring stuff like chores. If you’re organised, you can create a cleaning rota to make sure everyone’s pulling their weight!
In most house shares, especially student ones, you’ll be living with a group of friends, so the living experience can be a lot of fun! You’ll always have people to watch a movie with or go for a night out with. Of course, if you want a bit of privacy, you can also hang out in your room.
If you’re living with strangers or people you don’t know very well, a house share is one of the simplest ways to make new friends, especially if you’ve just moved to a new area and don’t know that many people. Your housemates are essentially built-in friends, so there’ll always be someone around for a chat! If you’re lucky, they might even turn into lifelong mates.
Often, city centre locations can be wildly expensive and out of your budget. Living in a house share means you can live somewhere you might never be able to afford if you lived by yourself. Whether you want to live near the city centre, your university, or your job, a house share means you can live in the best location for you.
If you’re moving out of your family house and you’re living alone for the first time, the idea of being left to your own devices might sound a bit intimidating. Living in a house share is a great first step; you’ll get to share the responsibility of bills and cleaning, and you’ll always have other people around to turn to and socialise with.
The majority of house shares are fully furnished, meaning you don’t need to shell out for expensive furniture and home essentials. This makes it easier to save money and makes moving in (and out) much less of a hassle.
If you’re a very private person, shared living might not be your absolute ideal option. Of course, a great way to get around this is to live with people who you know will respect your personal space and won’t mind when you retreat to your room for some much-needed alone time.
If you and your housemates have different schedules, there might be some unwanted noise at annoying times. All you can do is try your best to be understanding of your housemates and try to be as respectful as possible, especially if you know someone else is trying to sleep or study. Pro-tip: invest in a decent pair of noise-cancelling headphones and some earplugs, too!
Sometimes, whether you’re living with strangers or close friends, there’ll be times when people don’t get on. From clashing lifestyles to dirty dishes in the sink to late bill payments, things in the house can start to feel pretty awkward when people stop talking.
However, it’s not all doom and gloom. There are a few things you can do to stop major arguments and keep your shared house a great place to live:
Read more about how to get along with your housemates.
Let’s face it – one of the biggest pain points with living in a shared house is working out how to handle the household bills. The good news is that there’s a simple solution…
Split The Bills offers students and young professionals up and down the country an easy way to split their utility bills. We’ll do the hard work of ringing suppliers, setting up utility accounts and direct debits, and dealing with the boring admin.
We’ll divide everything among everyone living in the house, and you just need to pay your portion each month. There’s no need to worry about chasing up late payments from your housemates – everyone is only responsible for their own monthly payment!
You can customise your bill package. It even includes uncapped energy and water, so if your housemate has a habit of leaving the lights on, there’s no need to stress.
Find out more about how we work, or grab a quote to get started.

Everyone’s finances look different, but I thought I’d share a realistic look at the kinds of things I spend money on in a typical week as a graduate.

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