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We did a pre-renovation house warming so our friends came.'All our friends are chuffed for us they've been up stripping wallpaper and helping out.'No one has said 'oh, can they afford it?' they've all said well done because our close friends and family know we have saved hard for it.'Darren says: 'The worst thing you can do before you get a mortgage is to get cars or phones on finance deals because anything like that you have to declare to the mortgage company and that all comes off your mortgage amount.'If I haven't got the money in my account I don't have it.'Shanine says: 'Be wary of how much you spend on monthly outgoings especially on things like catalogues for furniture, TVs and stuff.'It seems good when you see it's only £2 a week but if you order five things and have other things to pay for, by the time you get your wages it will be gone again.'Darren says: 'Some people will rent and live with each other for a year to see how they get on but you could be paying out £700 a month in rent and you could be putting that into your own mortgage rather than someone else's.'Shanine says: 'You can buy budgeting apps for your phone so you can see where you are spending your money and where you can save.'Sometimes it's worth spending that £2 or £3 for an app because you are going to get so much more out of it.'If you're unsure where your money goes each month something like that will help massively.'Darren says: 'I opened multiple accounts - at one point I had six or seven savings accounts - and each month each one was being filled.'The objective was to earn enough money in the month to max out all of them.'It was a £500 maximum limit at five percent so it was £6,000 a year you could put in but in £500 increments.'After 12 months you got a percentage back on all of them.'The banks are not expecting anyone to actually fill them all so I was getting quite a lot back in savings.'Shanine says: 'We researched mortgage providers, what their percentages were and customer reviews.'It's a lot of detail but it will pay off.I've got a normal car, it's not fast or flash, it starts and gets me places that is what I need.'But what you want is £500 a month finance deals on Range Rovers, but it doesn't pay in the long run.'Our generation don't help themselves when it comes to getting on the property ladder.'I've got a couple of friends who like their cars which is fine, but if you want a house you've got to think of the bigger picture.'Avoiding the temptation of renting a property while they saved their deposit, the newly engaged couple opened joint bank accounts a little over a year ago.

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She would always refer to him as, “My big beautiful boy.” When I first met him, he would talk about how he had no interest in sex, that he was a-sexual. For the next 10 years of my life I had awful, awful sex, which would eventually peter down to about once a month, if that. No warmth or cuddling or intimacy of any kind – it was almost like everything was empty, that there was no heart or substance behind any of it. He would wash his hands so much that they were always dry and scalely.

The couple said they will be concentrating on installing a new kitchen and bathroom, and giving the walls a fresh lick of paint, but keen saver Darren said they will not be rushing out to buy new furniture on credit.

The couple said they will be concentrating on installing a new kitchen and bathroom, and giving the walls a fresh lick of paint, but keen saver Darren said they will not be rushing out to buy new furniture on credit He said: 'I've always been a saver. The problem with most people is they don't understand the value of money.'Say something is £100, some will say 'that's cheap I can buy that' but I look at it differently.'I look and ask 'how many hours have I got to work to get that? If you're on £7 an hour that's a couple of days' worth of work that I have to do to get that item.'There is a difference between need and want.

The couple from Devon plan to do most of the work themselves with friends and family already lending a helping hand.

Qualified plumbing and maintenance engineer Darren will be taking care of the plumbing throughout the house.




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