Not at all. Never even thought about it, it was just a realisation one day when I sat down and went over all my finances. My full story is quite, interesting,

Not at all. Never even thought about it, it was just a realisation one day when I sat down and went over all my finances. My full story is quite, interesting, I guess is the right word :) Two weeks before I turned eighteen I became a dad (the mother who became my now-ex-wife). That made me grow up fast. I got a job and worked my ass off to impress and get promotions. We got married at 21 and bought a house as we had a decent-ish joint income and had some savings behind us (plus some family help on the deposit). We bought a little 2 bed house in Hertfordshire for £116k. We separated at 24 and sold the house literally 2 months before the 08 crash. I am not what most would consider frugal though. I still buy things, I just bought a new laptop, phone, I have a nice TV, PS4, etc. I just don't have any expensive hobbies. I don't spend crazy amounts of designer clothes. I run rather than pay for the gym, etc. I also buy things out-right (such as my phone) rather than get an expensive monthly contract. Doing so saves way more than most people realise. So I wouldn't say frugal but I am very aware of what I buy and try to be as sensible as possible with money.