mortgage was closer to 380k.nursery more for childs development - its quite difficult keeping them entertained at home.by wife not working ensures house gets looked after, dinner on table, breakfast etc.10% of my sal goes in to share options - so i guess thats some kind of saving. i put a small amount into a pension, so more saving. i guess its not as bad as i may have made it seem, but no way am i seeing a left over of a grand a month. work being done on house etc saps up money.catchment area schools are very poor - i am pro-state school (went to ones myself), but it looks like we have no option but to consider private and for 2 kids that comes to 30k per year. they are not there yet, but definitely need to provision.i do live relatively frugally - although you'd think someone on 100k could splash out quite a bit...trust me, it is not like that in my case. yes, i would like a nice car one day to complement the people carrier, but i wouldn't want to take out another loan and getting 15k together in cash is a big uphil struggle.mortgage is definely the biggest killer - only bought the house last year and its not particularly big, esp if we decide for a 3rd kid, so then have to factor in an extension or moving again. now a decent family home in a decent area aint going to come cheaper than 500k - thats 5 times my salary!although work life is cosy, it is getting hard as motivation is going down in current environment. if i stick around at this level for a few more years 100k wont be much - most managers below me are on 80k - its a norm for a city salary in consulting - have a look at the salary survey on this site.i know i am not alone here.