to ask how much money you have after all your bills

[galaxyplease]

left each month, which you consider makes you a middle income family??

Although when I say savings account, to be tax efficient while interest rates are so low, we plan to put it all into our mortgage overpayment reserve so it is offsetting our mortgage.

After we've paid for everything including food (bearing in mind we very rarely go on holiday or eat out), we have between 200 and 400 pounds left, which usually goes on an unforeseen expense such as car repairs.