Lets do the numbers:3000 * 12 = 36000 YearlyTake home = £2250 (after tax/NI)Saving's target = £1200 (I don't think so this is possible) Budget = £1050============================================(costs are per month)House rental = £650 - £850 (Assuming you will not share a house - with family that's not really an option anyhow)Council - £100Water/Gas/Electric - £140-£180 (Depends on season and type of accommodation - small flats or semi-detached 3 bed house)Other bills (tv/internet/phone) - £35So far = £1035This does not include food, car and related expenses (insurance, petrol, maintenance), Entertainment, Going-out, other bills, child-care and related costs etcYou are easily looking at £550 (family of 3) for all expect child care (no idea, on exact numbers, it is expensive)Total spend = £1585You can expect to save around £400-500 a month. (factoring cost of child care)Of course, variable costs depend on lifestyle (breakdown assumes median - by my personal perspective).Hope it helpsZp.s: Lived in Manchester