Hi, sorry I didn't notice your reply before. It's not as tough as it sounds once there's no rent or mortgage. You can count your mortgage as savings for budget

Hi, sorry I didn't notice your reply before. It's not as tough as it sounds once there's no rent or mortgage. You can count your mortgage as savings for budgeting purposes though. I work from home, so no travel expenses. My bills and council tax come to about 300 a month. About 300 a month for food. 300 a month spending money. That's 900 total and save the rest. Note that I'm below the median for two people, which is a little higher than the median for one, but it's still in the same ballpark.