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Hi, Don't worry too much about your out eating habits relapsing, you are probably slightly addicted in the same way a beer lover loves beer or a gambler loves to gamble so a relapse is normal. The main thing is you are heading in the right direction. (nobody is perfect) Just push through...

The only explaination is earning high or spending low. We spend an average amount for a small family I guess, no PPOR mortgage. Actually, it could be closer to 5%, didn't realise how much child care costs were. To be honest, out lifestlye doesn't match our income. Grew up poor and tight...

Just means that we spend about 3% of our income on cost of living expenses and the 97% left over is invested in property at the moment. Would not know where else to put the unused money. I am sorry but I can't understand this. Do you live on cat biscuits? Do you drive a car, use...