The ‘first time buyers club’ and the unforeseen changes membership brings…

Not to be confused with the mile high club (which is infinitely more fun to join and unless you get caught/preggas, carries fairly minimal risk). The first time buyers club doesn’t come with a plush card, a suite of benefits, freebies or exclusive access to a posh bar.

It comes with approx a 35 year contract and the threat of rising interest rates and repossession should you fail to make your repayments….which leads many to ask…why the HELL do it then? Most of Europe don’t bother…

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The 21st Century phobia you didn’t even know you had…

Hopefully I’m not the only one who gets scared about the uncertainty of life sometimes, if I am then this will mostly be a self-help guide. However, my instinct tells me that actually a lot of us are scared a lot of the time.

As a (late) 20 something, these are just some of the fears I have floating about in my head on any given day…

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