I have recently graduated out of uni and got a £22,000 job. I have about £500 left over after all bills paid (home, utilities, car finance, car insurance), but excluding petrol, food, nights out etc. with £1,200 credit card limit fully used, and £2,000 graduate overdraft that gets regularly used (usually I use 75% every month, and I aim to reduce the overdraft by tiny increments every forthcoming month).
I aim to save £100 every month and have £400 saved up at the moment for any other unforeseen spending or holidays in a standard savings account. However, I'd like to be able to afford more. Are there ways to afford more with a 9-5 job, with a regular cheeky Nandos habit, and an occassional gig here and there?