Good salary but Walsall is a dump. Live outside the Birmingham area and commute
£39000 is a good salary before tax.
Per month and after tax/NI has been deducted, you'll have around £2500 to live off per month, I think that's plenty if there will only be 2 adults.
1. Personally I'd live on the outskirts of Walsall. A 2 bed flat will cost you around £500 per month:
Or you can live closer in the centre for around £400 for a 2 bed terrace:
You can browse that site properly for yourself and see what you'd rather go for, house in the centre or flat (or more expensive house) in the more rural areas.
2. For the 2 of you, you shouldn't need to spend anymore than £70 per week on a supermarket shop, so £280 per month.
When me & my hubby have a take away, we spend around £5 on each meal, so £10 and only have one of those a month.
Restaurants vary, you can find nice ones which will do 2 three course meals for £20 (or similar), other restaurants will be £20 just for a main and drink.
Bills like electric and gas depend on how much you use, shouldn't be anymore than £100 a month for both though, including water in that figure too actually, unless you always leave electrics plugged in or on, then expect your bill to sky rocket!
3. You will find a decent car for around £2000 or you can spend more on a newer one if you so wish.
Insurance will vary massively depending on your age, previous experiences, any crashes or claims, etc. You can get your own quotes on comparison websites like gocompare.co.uk.
Tax will vary depending on vehicle, you can check that on parkers.co.uk.
4. Depends where you go and how much you drink, I'd manage on £10 but I don't drink much, some of my friends can easily spend £80-£100 on a night out.