We save a lot but DH and I are both on very comfortable incomes. We put it all into our offset and have almost paid off the mortgage - about 10% to go - which we are quite chuffed about.

11% of your income on rent is not much at all.

Maybe try writing down everything that you buy for a month and then sitting down and really looking at what you spending is.

Also, DH and I have found that if we don't carry cash then we don't spend it. We keep a $10 and a $20 in our wallets but that is it and if you break the note you have to explain to the other why (not in a "I've been naughty" sort of way - just a "think about what you are buying" sort of way) and everything else goes onto the credit card which we go through the bill every month (it only takes about 10 minutes) and check what we have been spending money on and then pay off the whole bill so that we aren't charged any interest.