exactly, im lucky enough to earn over the national average however when I came to buying my first property two years ago I could have got 180000 mortgage however I dont need a massive house and dont have the time for gardening and that level of repayment scared me!

So I bought a 95000 fixer upper and can do work as I have the spare cash, I could also go and get a fancy new car on finance however I bought my Fiat coupe for 5 grand and thats thats!

i had to be realistic that if I lost my job tommorow I might not get another job on the same income immediately, however I could wash plates for a living and cover my mortgage and direct debits as they stand!

Yes my quality of life would suffer but I wouldnt lose anything except maybe my car due to running costs, however they money from selling my car would be mine!