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Never said I was, mate. Infact, if you read my earlier post in this thread I was being honest about my seemingly lagging skills in money management, and asked for advice. While we're at it... What makes you so certain it's easy to get a job, and by not being continuously employed for the past...

12 months jobless out of 3-4 years = ~3 years of producing income and being able to save a substantial amount, so that's not it.

Some of these short turn-around times for saving deposits are impressive and make me feel very inadequate! I've been saving (and payoff off consumer debt at the same time) for over 3 years and I still don't have a sizeable deposit. I certainly don't see myself as a whinger about the way things...