I have gone from eating pasta and ketchup to being able to afford nights out on a below-minimum-wage paycheck; then from reducing nights out in favour of nice clothes and fancier drinks to now making more money and spending less. Truly horrifying thoughts like ‘What if I want to buy property one day?’ have started to push their way into my head. Is this a realistic goal for someone with no real savings, on an income of less than £25,000 a year?