When I was first married, we had a 100 percent mortgage on a Govt. scheme, we brought our wedding forward 5 months and moved in, with nothing except a bed paid for by our parents. We purchased a three piece suite on hire purchase, and only added to our home bit by bit every month, from our wages. We couldn't afford to go out, so our evenings were spent in front of one bar of the electric fire. Despite us both working full time, every week was a struggle, and youngsters nowadays think they have it hard. Despite all our earlier struggles, the 1st step on the property ladder was our salvation, and now many years on I am still reaping the benefits of that decision.