Gaz...Because I live in Australia and Thorn live in England, if I had been careful with the component purchases, I would have saved money on the self-build because Thorn freight costs a lot for whole bikes to Oz.
However I was a bit indulgent with parts eg. Ti railed saddle, Ti rear rack, so I probably spent a bit more.
I wasn't overly fussed about cost, so didn't keep close track of the budget.
I did however mostly buy so-called runout sale parts, eg good 9 speed bits are cheap now because of the roadies moving to 11 speed.
My online purchases are VAT and GST exempt which helps.