Hi and thanks for the comment: I think you just have to be honest with yourself when you're counting the 'savings ratio': the reason I discount my mortgage payments is that I won't be making them by the time I retire.

I think most people count mortgage repayments as expenditure rather than savings, but to my mind it's a bit misleading as they'll disappear by retirement, hence why I include both.

As to blogging income, I do expect it to increase a little, but I'm not relying on it - private tuition can easily make up the difference and bring me up to about £2K net per annum, there's a lot of desperate teenagers out there.

NB My own situation is also a bit unique, as I've got about £8K a year waiting for me when I hit 60, from my teacher's pension, which is 'only' 15 years away, something of a buffer which makes the whole quitting work thing easier. With my savings, that's only 9 years max in the gutter as a worst case scenario.