every fortnight our money gets written down for where its going and what on etc so we actually have a very good understanding of our money

i just dont get it why does everyone seem to think the average person simply cannot afford to buy a house we know our money well, we want to save as much as we can, we have good credit and i have a fantastic relationship with my bank who cant wait (and this is the words of the bank manager) to give us a loan ..... oh well .....