I think no matter what you earn you spend it.
Sadly a few years ago I thought having a consolidation loan on my house to consolidate debt was a good idea ( ****ing first plus !!) and it's Cost me a shit load in interest .

Learnt my lesson, got a job and a business interest and paid off two CCJS in last year.

I need to earn 45k a year to have a reasonably comfortable
Life with that debt hanging over me.