Look, we could probably cut out all the joy in our lives and save a bit more, but it’s not really going to get us to our goal any quicker in the grand scheme of things. If we cut out our once a week takeaway, we wouldn’t be that much closer to our goal in a years time than if we hadn’t. You can’t save more than you earn in a year after all. We could stop our children’s activities but then they’d be losing out on skills and experiences and I’m not going to have them miss out on normal childhood things just so we can buy a house. Maybe we should have waited to have children but life doesn’t always work out in that perfect linear way for everyone.
As other posters have shown with their experiences, It’s mental out there. You finally think you’ve got enough to go and then the goal posts move again. It gets to a point where you can either spend your life working and saving and saving and working and it’s still not enough, or have some balance and save what you can, but still allow yourself things that make you happy. Buying a house, although would be nice feels like a luxury that is out of our reach, so we may as well make the best of our circumstances and maybe one day this tit show will calm down or we will come into some money somehow.