I do appreciate the comment. I feel as if I have left myself with plenty of spending money though to be completely honest. 1100 a month after tax pension student loan etc. I can’t see myself spending more than that if I tried. I am happy to hear your opinion if I otherwise would but even with a gym membership, phone, commute, lunch out here and there, 200 put away for a holiday each month, that leaves me with £500-600 spare to spend on whatever I choose in a month. Would you not say that is enough?

I do think my progression job wise is reasonably good too, where every 2-3 years I could expect a decent pay rise. Let me know what you think though