WELCOME TO HOW I Spend My Money, a series on The Journal that looks at how people in Ireland really handle their finances. 

Are you a spender, a saver or a splurger? We’re asking readers to keep a record of how much they earn, what they save if anything, and what they’re spending their money on over the course of one week. If you’re interested, send a mail to money@thejournal.ie. We would love to hear from you.

Each money diary is submitted by readers just like you. When reading and commenting, bear in mind that their situation will not be relatable for everyone, it is simply an account of a week in their shoes, so let’s be kind.

Last time around, we heard from a self-employed engineering consultant on €120K living in Co Galway. This week, a junior doctor on €44K living in Co Cork.

I’m a 31-year-old junior doctor living and working in Cork City. I’ve been living here for the last five years.

When I’m not working, I enjoy rock climbing, exercise classes and sauna sessions with my friends. On weekends, I usually like to meet up with friends or head off somewhere with my partner in our converted van.

Occupation: Junior doctor

Salary: €44,000 basic, overtime can add 10-15k throughout year gross

Monthly pay (net): Between €3,000 and €5,000, depending on overtime (hours per week 60-80)

Transport: €150 (diesel) for approx two to three fills per month, split with my partner. Neither of us are using vehicle for work at the moment.

Rent: €700 (€1,400 in total split with my........

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