Single
Ten hard years
Ayesha is forty five, a quality manager on £52,000 near Manchester, with a two bed flat and £118,000 left on the mortgage.
From spring 2027 prices climb three points a year faster than she assumed, the Bank of England answers with two points on the base rate, and her pay rises every year by a point a year less than prices do. She changes nothing at all, and her fixed deal ends in the middle of it.
Her net worth still goes up throughout, because a mortgage is a debt in cash terms secured on something real, and the decade takes about a fifth of what she has by 2037 all the same. Everything here inflates at one rate, so no part of the shopping is modelled as rising faster than the rest.
Employment
Property
Expenses
ISA
Savings Account
One ordinary working life carried through ten years of prices rising faster than pay, with nothing about it changed.
