^^^ Everyone's welcome here.
My disposable income has taken a beating in the last 3 years from pay freezes (NHS), pension increases (up from 6% to 12.9% personal contribution), loss of child benefit, company car tax increases, a halving of the modest childcare voucher tax break and not least having to support my wife (made redundant on maternity leave) and the arrival of our two little kids.
I still manage to find enough to support my bike habit, but I keep things for a lot longer and never buy complete bikes now. I'm just about to pick-up my re-painted Cotic frame, which seemed more economic than buying a new one that was barely different 4 years down the line.
This is beginning to sound like a MoneySavingExpert forum post, but I wanted to add that I don't have any non-mortgage debt, my savings over the last 7 years now add up to almost a year's salary and the mortgage is a small one (all thanks to not buying too much bike stuff). Basically: I'm a squirrell.
It's all about priorities!