Ta Muffin :o) true if only i was a BRITISH ... ha ha ha ... i'm no way near being a british ... ok this is who i am, i was born in Doha, raised in Pakistan and been living in UK for the past 5 years :oP my aim is not to save much but to work and live a healthy life ... my mrs is not very fond of driving so we can skip that, she's a house wife and works part time here in the UK but after the kid she said that she would want our kid to have a full time mum at home for which she is willing to sacrifice her career at the start ... when our kid is old enough to start schooling, it's a lot easier for me to get my child educated back home because education is of top notch back home ... plus i wouldn't be living in Doha for the rest of my life, just coming back to my roots to gain a bit more experience and try getting my dad back in town to meet up with his old mates :o) ... but that's something coming from personal point of view ... any way i think within 20k if i won't live a LUXURIOUS lifestyle then at least not the worst lifestyle as well :o) Please do correct me if i'm wrong