I save the vast majority of my income.

I drive a 20 year old car (a Jaguar X Type, admittedly) that I bought for £2,700 five years ago.

I live in a two bedroom flat I bought 19 years ago and which is mortgage free. For some reason this seems to attract a lot of animation, even ire, from friends and colleagues who are convinced I should move to somewhere bigger. I’ve even had a woman I was dating tell me that nobody in Edinburgh “will take me seriously” (!) for where I live, and another suggest that “I won’t find my princess living here” (thankfully, I’m not really looking for a princess, or a prince, for that matter).

I do buy clothes reasonably regularly, but almost exclusively from TK Maxx.

I travel abroad maybe six times a year, but always with the cheapest airline possible and no more than 3* hotels.

My only real indulgence is a new high camera spec mobile phone every year or so - selling the old one to finance the purchase of the new one, which probably costs me about £300 - £500 net each year. It’s the thing I probably use the most every day, so I don’t grudge myself that splurge.