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You could have £30 for each birthday and Christmas present, plus £1,000 a year for helping family members. You could give £200 a year to charity.

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Previous: You could have £50 for each birthday and Christmas present, plus £1,000 to help family members. You could also give £300 each year to charity.

Next: If you expect to have housing costs such as a mortgage or rent, these can vary significantly. As a very rough guide, consider the possibility of spending £1,100 a month for a commercial rent or shared ownership, or £750 a month to rent a Church retirement property.