to save and have nothing to show for it

[plus3]

Oh I know I am, but I am fed up. I have spent my adult working life saving - never splashing out.Which is ok - I'm not really a big spender but I do wish that I had something to show for it. I am soooo fed up of squirreling away money for our house deposit only to have to spen it on something else.

I have saved £2000 this year. We have some tied up trying to make some interest, and basically need another £35K.

Never gonna happen is it????

DD doesn't start full-time until after half-term therefore impossible to sleep.....I don't do well without sleep!

Mizu - Think we are too far out of London for keyworker scheme.

I did hear (whispers) that prices were on the way down again.

Still need to increase the saving.

Have you looked into shared ownership? It's going to be much easier to get a foot on the rung now, and means that you're in. Obv. go see a financial advisor but my cousin & his DP were in much the same boat where the more they saved, the greater the increase in house prices, basically negating the saving process. They did a newbuild homebuy. Not sure of the exact figures, but it's part buy / part rent shared ownership where you buy a share in a housing association home from 25-75%. May be worth looking at?

Whatever happens - good luck; I hope you get to squander a weeeeeee bit of money with all those night shifts!