I think its case of looking after the pennys and pounds look after themselves
im putting £900 in my isa this month out of <£1300 take home ,we have also just paid the mortgage off in full taking ten years but at the same time we have afew months on the cornish coast at our caravan every summer.
my other half makes most of the meals and soups herself for next to nothing, we walk most of the time instead of driving ,get most of my clothes from charity shops while making profit from other stuff we buy there (best so far is a 30p james bond book that sold for £190)
we get the best price we can on stuff like insurance ,never using credit unless its interest free.
going food shopping this afternoon to mullacos ,the trolly will be brimming over for twenty quid ,what im saying is it all adds up ,and also you can have a great lifestyle for not much money,ive got my first 3 weeks bodyboarding booked in aprill ,but thats my thing
