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Cheers everyone for the great responses!

Thanks for the info everybody!

Just wanted to clarify with I few people as I don't like appearing like an idiot, I do not need credit to finance myself! I was purely asking out of curiosity, it was only whether I needed to pay income tax currently that I needed, the other two were just my musings.

Also, as I may keep posting here as it's unusual to get friendly responses on an online forum these days, I am not planning on spending my entire life sat in my house earning a slightly above average income playing online poker!

I've just recently graduated and can live rent free (and cost free!) for a couple of years yet, so delaying my career to have £70000 in the bank at the age of 23 seemed a much more rational decision than wasting money travelling around the world, or jumping straight in to an accountancy job on £23k a year and having to pay out £7000 p.a in rent which was what I was looking at.

Thanks again for the info, you should all see me around a bit now.