I am currently saving as much as possible for a new frame. I try not to spend any money at all, maybe if its something stopping me from riding. i also have a monthly saver with the halifax (really good) Which has to have a tansfer of £15 a month, or I get fined,also you can put money in when ever, but can get to the money until I close the account. So thats going to be my car fund. As for a flat...meh