I'm in the process of sorting it out, I owned a house in my 20's and cut loose with travel, cars girls and beer. I attempted to setup abroad and that didn't work out , although the hard work and time lost has provided a deposit for the UK, got black listed for a phone bill 4 years ago as they couldn't contact me , got credit back in check at a cost, we only want a basic family home ,at 45 im gonna end up putting down 50k to get a high interest loan to buy a house at the peak of prices , but I've just got to a point where I can't sustain working away all the time and it seems like life is on ho