Yes and no... All extra money of ours goes into the mortgage, so while it isn't readily accessible to us, if the proverbial hit the fan, we could re-draw!
We have been saving each month (to save up for maternity leave) but while on mat leave we don't. When I'm back at work we are going to be looking at paying some off our mortgage and setting some aside in savings as we can't redraw from our mortgage so we need to make sure we have both bases covered so to speak.
As a contractor, I've got to be aware of my living expenses. With public holidays I don't work, so I don't get paid. I budget on a 4 day week, the extra day's pay goes into a seperate account, which is emergency & holiday money (have 2-3 trips planned this year & at the moment 2 for next year). I'm also planning on going back to university next year so will be cutting down to part time. I refuse to rely on partner's money for things that I want to do (like my solo travel or university).
I try to save every month, as I've got things structured that all bills/living/rent etc is from my first 3 weeks of the month's wages.
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