I have always been fortunate. I never earned much money but I was provided a car by a client instead of them paying me for my services when I first went self employed. I am also covered by their company insurance policy. After a couple of leased new cars, I asked for a Supra and they gave me one which they paid the finance on, for me to keep afterwards. I wrote that one off, and got the current one after that. That's all paid now so no debt, but I still have the good insurance deal (~£600/year covering me on both the J-Spec Supra TT and a new Honda Civic diesel). I don't go on any skiiing trips but we do take a few holidays to the inlaws in Spain & Turkey.
I think Charlotte hit the nail on the head that basically your outgoings are somewhat extravagant and certainly more than most regular folk here in England would have.