Thanks Michelle and Daisy, for an enjoyable and friendly podcast. I wanted to share a tip which might be helpful to people who, as I was, are scared of the commitment of buying a house and taking on what seems like a massive debt. Years ago we were renting, but had saved a reasonable deposit. To really prove to myself that we could afford to buy, I worked out what the monthly mortgage repayments would be for the kind of house we were looking at buying. I even allowed for a 2% rise in interest rates (just in case!). Then every month, when we paid the rent, I 'paid' the difference between that and the theoretical mortgage amount into a separate high interest savings account. After we hadn't touched that money for about six months, I felt comfortable about taking the big step and we bought our house!! Ten years later, I think my approach really helped me avoid worrying about the mortgage hanging over our head. As a friend once said, try not to be daunted by the big debt: just set up your auto-payments, think of it as 'renting to yourself ' and you'll be right! Worst case you can sell the property again. We're currently gearing up to renovate, which is so exciting! Good luck to all the would-be buyers out there!

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