Fair point! I am not paying NI. I don't have any meals subsidised, and I do have savings -- about £3k/year. I eat out twice per week, and I get drinks more oft

Fair point! I am not paying NI. I don't have any meals subsidised, and I do have savings -- about £3k/year. I eat out twice per week, and I get drinks more often than not -- although I do often get drinks quite cheaply, because I'm friends with some brewers.