You say that:
you pay: rent, pay council tax, dont drive, dont smoke, love a drink, dont go on holidays, dont bleeping buy designer, no loans, no credit cards,no takeaways, anyone else got any any realistic advice cos i wouldnt ask otherwise
Why don't you 1st of all, get a huge loan, you say you have no commitments so by the time your dead you don't have to worry about paying it back. Start smoking, buy designer clothes, learn to drive and buy a nice car out of your loan, drink more and finally, with you huge loan, go on holiday FFS!