There's no right or wrong answer to that and if you were hoping to hear from the regular contributor above then they haven't been on the forum for over six months so their own version of what constitutes 'saving' may not be forthcoming.In general it's best to calibrate it with whatever you're putting money aside for, so obviously pension money is inaccessible until 55+ whereas money in a current account is immediately available in liquid form. Fixed-term savings will usually also be locked, and investments in stocks, funds, etc, may not be locked as such but should always be seen as long term money due to shortfall risk, so many would say that they have £x immediately available, £y for the medium/long term (but potentially available if necessary) and £z for retirement, rather than trying to condense everything down to a single figure....
Didn't realise on the last date posted. I found this thread from the sticky topic so assumed it was still active.
What it means for you
This Forumite's mattress is in need of a base
How to grab £10-£25 tix for Cabaret, Matilda etc