Best thing you can do with your finances is do what people are doing to lose weight, track everything. You spend £2, you put it on. Doesn't matter how trivial it is, log it with details so you can track it. At the end of the month have a look to see where it's all gone, it gives you feedback and you can adjust. My take home hasn't changed but how much I'm not spending has, and it's very nice.

I probably won't retire early, I like working. Taste of the biscuit, office natter.