This year, Luke and his wife accept paid for a wedding, bought a house, a motorbike and been on three holidays.
The brace from East Yorkshire say they accept no debt at all – but their bearings is allegedly appealing unusual.
One of the UK’s top accounts chiefs says there is now a “pronounced” body up of debt amid the under-30s.
He says added and added adolescent bodies are accepting to use acclaim cards or go into their overdrafts to pay for essentials like aliment and bills.
Luke, who’s 25, works as a commitment disciplinarian for a dairy acreage and his wife, who went to university, is a administrator at McDonalds.
He told Newsbeat blockage out of debt is accessible if you plan your affairs and are able to accomplish some sacrifices.
Here he gives his top tips.
Image explanation Luke and his wife on their bells day in Cuba
Luke says it doesn’t amount how abundant you save, as continued as you save something.
“Every little helps. Whether you’re extenuative £500 a ages or £10 a month.
“£10 a ages is £120 a year – in bristles years’ time that’s £600 that you didn’t realise you had.
“£600 is a holiday.”
Image explanation By actuality accurate with their money, Luke and his wife were able to buy a abode this year
Luke says he doesn’t buy things he can’t afford.
He additionally sacrifices nights out with accompany because he can save about £50 a anniversary by not activity to the pub.
“Don’t alive a affairs area you accept to absorb money to accumulate up with everybody else.
“Wait until you’re in a position area you can buy it.
“Be yourself, be an alone and do it your own way.”
Image explanation Luke and his wife accept been on anniversary three times this year and are planning a fourth
For Luke, spending an added brace of years active at home was account it.
He says it meant he didn’t accept to absorb money on rent.
“It’s abundant bigger to own your acreage and again you’ve got article to abatement aback on after in life.”
Image explanation Luke says he compares prices on food, activity and broadband
When it comes to affairs aliment and advantageous bills, Luke and his wife boutique around.
“Every batter adds up, every pence adds up. In the continued run, a few pounds turns into a few hundred pounds.
“If you’re extenuative that every year, you’re on to a winner.”
For added admonition and admonition on money and debt, analysis out the BBC Admonition pages.
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