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I will also add, that due to a Business failure that we walked away from around 9 years ago we had to start again. We had a home that was purchased to be the PPOR, but due to the whereabouts of Hubby's job, we moved elsewhere. This home had a large mortgage. So, with only a handful of...

The one who is out of touch is you my friend. You did not have to endure 17.5% interest rates AND then become retrenched. You have not had to raise a family and live on a diet consisting of baked beans, instant noodles & rice. You have not had housing costs take up over 80% of your income...

Precisely right. For the record Dean, it appears in this post http://www.somersoft.com/forums/showthread.php?p=543598#post543598 that you are a potential FHB. Now, I understand that this was nearly 12 months ago, but are you seriously trying to tell us that you not only bought your home...

I knew that the B&W TV would get a mention. No, the TV was CHEAP. That was the point. Same as the average box these days (but you need the set top box to play the thing soon). The point I was trying to make is that the fancy new plasma is a luxury. You know, you can say all you want, but...

The only person here that is niave and unrealistic is you, Dean. When I bought my first home, the average house was quite nice, 3 beds/1bath, but I bought a daggy dump. It was all I could afford. It was weatherboard, coated in chicken wire and cement rendered. It was terrible! There was...