I immediately thought, buy the house, rather than the apartment.

This was wya back in 1979, & I'd borrowed %6000 of the $10,000 deposit from my parents, & would have needed to borrow another $2000 cos the apartment was only $40,000 & the house was $42,000.

The apartment was perfect, & ready to move into as it had been renovated 12 months before, & the house had both toilet & bathroom (2 rooms) outside the back door, & I only had 1 months mortgage payment in the bank before my next pay in a fortnight when I would have enough for the next month's payment.

What I would really like to change is my (ongoing) extravagant spending, then I would have had enough to buy the house & renovate without borrowing from my parents!

It's that time of the year when we get our tax statements & I will once again look at total taken home & total in the bank, & wonder once again where it all went, even tho I have only worked 8 months in this tax year as I retired in February!

sandra