[josscrowcroft]

Oh my god, read "The Millionaire Next Door"

I used to be on the same treadmill - making more money than I could spend but somehow spending it all - now I make less (since stopping freelancing, oddly enough), and yet save more.

I put between 10% and 30% of my income into savings - never less than 10% and sometimes more than 30% (as far as I'm concerned, that 10% doesn't exist except to be taxed upon - I can't spend it).

Bear in mind I'm in the enviable position of not having a mortgage - but I do have debts to pay and so it's a constant weigh-up asking myself "is this money going to make me more by being saved vs. going to debts?"

It sounds like you're covering everything else FIRST, then putting what's left into savings. How about putting 10% into savings first, then allowing the rest to be spent on everything else?

This only makes sense if you have plans to invest it wisely.

Read that book!