ffs lighten up....
im not gloating or anything just making the point that it requires a good deal of forward thought - especially with the house prices as they are now...

sounds like you've done almost exactly the same things as me in terms of cars etc etc... just i'd kept aside what I could where I could and made the descision that youre contemplating now about 5 years ago. but i'd planned it about 3/4 years previous to that.

if you took the same approach then the 10k you have now would be 30k in a couple of years time and a much bigger dent into a deposit for example - but you gotta decide now, take the pain and the loss in expendable income now to make the savings.

youre not any better off putting a little away as the house prices rise so fast that little is wiped away so quickly - but if you save now what you would pay out in a mortages then it very quickly gets your cash up there.