Sounds like you make a shed load more money than me Andy - I work 44hrs a week (even tho it's closer to 55, I don't get paid overtime ) for a sub £20k basic (plus a little performance related bonus - nothing to write home about tho), yet I have a new house, still way over £10k in savings, no debt (other than mortgage obviously), and some nice things in my house.....

However, I don't have a car, and have cut down my spending to a minimum - go out once or twice a week but don't get wankered or waste money on cabs etc, so don't spend a lot on an evening out (unless it's a specific do or whatever)

Dunno - maybe I am just carefull with money, and spend a LOT of my time working out what I can or can't afford

Must now give up smoking to free up another £45 a week Save that for a year and it's a nice holiday I reckon!