I'm 26, married, relatively frugal (I make most meals from scratch, don't buy furniture, clothes, have cadged a free car, don't have cell phones, etc.) though I have made some poor money choices - firstly I got a degree (Student Loans, boo, though living in the UK they aren't quite as annoying as the US styled student loan), secondly I got emotionally connected to the place I wanted to live when viewing it, and I now pay a whopping £590 a month rent o.0 Which doesn't sound that much, but it is when your take-home income is only £1050 a month!). I'm also recovering from a gadget-addiction... I did own two ipods, an iBook, mac mini, three digital cameras etc. Have sold a lot of this stuff now, but it is an ongoing battle not to talk myself in to an unwise purchase.
The biggest expenses we've faced in the last year have been related to my husbands visa fees, which mounted up pretty quickly over the two and a half years. He's also been unlucky with finding work, and currently has a part-time job as a cleaner (minimal hours, minimum wage). I haven't been much luckier, and work as a low-level bureaucrat for a local council.
We're stuck in our rental contract until February, at which point my car should be road-worthy, and we'll have a wider range of houses to pick from (and jobs to apply to). We'll be going for the cheapest, crummiest apartment you can find :)
We do have one big asset - hubbies family have given us a house in the US. It's run down, but our current plan is to wait until the last of the visa stuff is sorted, and then head to the US to do it up and then rent it out. That's the first half of our ERE goal, the second is for us to work like crazy while living rent free over there. Our other advantage is that having suffered through unemployment on my husbands part (firstly mandated by his visa conditions, secondly just because of the lack of jobs) we've learned to live on one low income. Once we're both working full-time, our savings rate will be his entire income.
I do supplement my income - I do some freelance web-design and graphics work.
We do carry credit-card debt - from paying the last visa fee in June. It's a shade over £800. I have my fingers crossed for a Saturday job to pay it off ASAP, and he is waiting to hear back from a coffee shop job.
I'm here to learn tips on minimising my expenses, keep myself on track (the next house will be picked for its low rent, not it's pretty stained glass windows and mahogany bathroom), and eventually to turn my savings into income. Looking forward to the journey :)