Ok whatever makes you feel better, but at the end of the month my direct debits are Orange, gas, leccy, water and done. Yours are Mastercard (min payment), Amex (min payment), Natwest Credit Card (min payment) etc. etc.I know who I'd rather be.But I do whatever I want and still live comfortably. You're struggling. If not financially, definitely emotionally. Where do you live that you pay bills without a mortgage or rent? If you say you pay rent you're more a moot than I gave you credit for. Also, what makes a mortgage different from a loan for a car? If a 29 year old got a mortgage but could be happily living at home with his parents in the house that they have fully paid off, does he NEED to get that house?I'm struggling? Wtf? I am definitely in no way struggling, I get what I want when I want. But it just so happens that I've got the patience to wait until I can afford it myself, not get Natwest to pay for it for me. Of course I rent, do you not understand how much of a bad decision it would be to get a mortgage right now? A mortgage is something that has been in existance for years and years, credit cards and finance aren't. Especially not in the volume they are used nowadays. I will be getting a mortgage when I can afford to and not a day sooner.