Not particularly at the moment. We were doing well on just DH's income until a few years ago when the Aus dollar started increasing significantly in value. DH is paid in US dollars so he has had an enormous pay drop over the last few years. Combine that with me at home with the kids not working and our ability to save is minimal. Like others though, we have a mortgage offset so everything goes on that so some months when we haven't been slammed by bills we'll have a good surplus. Other months not so much.

When I go back to work we still won't save as such - just get it on the mortgage and clear that again asap.