I agree 100%!

Since leaving Uni at 22 in 2006 (3 years ago :shock I moved back with my mum and dad for 12 months, sponged off them to get my car back on the road so I could get a job.

I then got a job, worked hard and paid them back every penny I owed them and feel good for it, we then bought a house in 2007 and I moved jobs shortly after to pay for the house, but there was a lot of travelling, in 2008 I got married to my long time partner Jen and we was happy, moved to another job closer to home so we could spend more time together and the pay was good.

This takes us upto June 2008, life was good all the bills were getting paid and we had a bit of money left over each month which looking back i wished we saved - but we enjoyed life instead and spent a lot of money on the house (Driveway, new bathroom, new boiler, decorate the 3 biggest rooms) and enjoyed the rest (beer, cinema, cars, cloths and takeaways), then it all crashed down upon us in december, when it turns out my (now ex) boss was closing down the company, and i was out of a job with no income to cover any of the outgoings, unfortunately my wife had moved to the same company in december - what appeared a great opportunity at the time. shame hindsight is 20/20

In January this year, amidst all of the woolworths redundancies (I didnt work for them) we had hit rock bottom, if we didnt do anything our projected income was £0, thats no money for mortgage, car loan etc. Instead I decided I wasnt going to go down without a fight, and so launched UK SEO Agency, which I run full time and we are now in a financially stable position, and more importantly we kept the roof over our head and food in the cupboards. And as an added bonus, we used all of the extra time we spent in the house baby making - I am now 25 and we are expecting our first child in december