For A Young Couple That Have To Sell Their Home


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For A Young Couple That Have To Sell Their Home

Although there are many books and articles on relationships between men and women, many couples don’t know how to make their relationships work. One thing they should understand is that building a successful relationship requires the efforts of both partners.

If you feel that the stage of dating with a Ukrainian woman is slowly developing into something more serious, you may wonder how to get it to another level and keep improving it.

The following guide features long-lasting relationship tips that will help your young couple build a healthy union.

How You Should Build Your Relationships to Make Them Last

Starting a relationship is one thing and making it progress and prosper is another more complicated task. Young couples build their relationships mainly by trial and error.

But isn’t it more reasonable to turn to more experienced couples for advice? They’ve been together for years and it means they devised their own recipe of keeping their relationship alive.

Here are some relationship tips for you.

Cherish your feelings. At the very beginning of a relationship, we treat our partners with kid gloves. We’re afraid of ruining it, so we’re very careful with our words and actions. But what happens after several years? Gradually, partners get used to each other.

They stop viewing their love as a gift from above and start taking it for granted. They think they have found each other, so they can relax and go with the flow.

Don’t forget that irrespective of whether your relationship is only arising or it has stood the test of time, you should be as attentive, caring, and loving as you were at the peak of your romance.

Establish trust. The cornerstone of a successful long-term relationship is trust. It’s not gained in a moment. It will take you some time to start trusting each other.

For this, you need to be honest from the start. If you trust your partner, you’ll feel secure and comfortable. Also, partners who are totally confident in their loved ones don’t get jealous.

And jealousy is a poisonous feeling.

Give each other space. You should understand that your relationship is a union, a partnership. You are two independent personalities who live together because you love each other and your love makes you happy. Both of you have family and friends who also need your time, so don’t prevent each other from seeing your nearest and dearest.

Learn to fight. Quarrels and conflicts are inevitable but you should know how to deal with them. If you start a fight, refrain from any kind of insult or offense. Try to channel it into the right direction that will lead to an optimal solution or compromise. Learn to make concessions for the sake of your relationship.

Discuss it. Try to do your best to prevent conflicts. Many of them start because one of the partners couldn’t control their emotions. It’s better to discuss everything when anger wears off.

Remember that any problem can be solved without making a scene. All you need to do is to find the right moment and discuss what worries you.

Although it’s recommended to restrain your negative emotions and reproaches, don’t harbor resentment and grudge because when you finally let them out, it may affect your couple greatly.

Show your gratitude. Thank your partner for the tiniest favor. The fact that you’re a young couple doesn’t exempt you from elementary etiquette. If your partner prepared a tasty dinner, washed the dish, or bought something you needed but didn’t ask for, show your gratitude, say those simple words “thank you”.

Communicate. One of the best healthy relationship tips that could be given to young couples is to talk to each other often and effectively. Partners get to know each other through conversations, express their feelings, and find the solutions to problems.

It’s extremely important to have common interests or views on the essential aspects to have meaningful conversations. Your communication shouldn’t limit to the short accounts in the evenings. Talk about your dreams, goals, favorite things, personal stories.

Demonstrate your sincere curiosity and attentiveness.

Have sex regularly. When you get married, sex will play a secondary part in your life. Be ready for this. It’s natural because your feelings grow into a more solid stage where an emotional connection is more significant than a physical one. However, get physical regularly to strengthen your bond.

Go out on dates. If you’re over the dating stage, it doesn’t mean you should forget about romance. Of course, you’ll often want to stay at home and watch TV together. Fight your laziness and go out. Dress up for each other and go to a restaurant or some romantic place where you’ll enjoy each other’s company. Don’t let the flame of your love die out.

Potential Problems Most Young Couples Face

Dating with a Ukrainian girl, you may wonder what pitfalls your couple should watch out for. The truth is that if you manage to build a healthy relationship, you’ll be able to cope with any difficulty or disagreement. Still, being aware of potential problems that couples and just-married couples face in the beginning of their relationship, you can prevent many of them.

Do you know that money matters frequently become the reason for a divorce? Dating Ukrainian women, you must have already noticed that most of them have regular jobs and are financially independent.

Before you enter into an official relationship, discuss how you’re going to manage your family budget. Ukrainian women are thrifty, so your future wife will want to save money.

If you easily part with money, you should decide how you’ll divide your budget in order to prevent any conflicts in future.

If have serious intentions and want to marry a Ukrainian woman, you need to discuss a geographical aspect of your relationship and decide in advance where you’re going to live. Also, you should know each other’s preferences as to living conditions. Maybe one of you will want to live in the suburbs in a small house while the other will insist on moving to the city center.

Another question to discuss is the perspective of having kids. You should know each other’s plans. It may turn out that your partner didn’t know you want to live at least a year child-free before until establish your career.

You need to know how religious your partner is and she should know the role your faith plays in your life. You should decide how you’ll bring up your children – according to whose religious principles.

As you can see, good communication can prevent the above-mentioned issues.

Mistakes to Avoid

Very often partners make mistakes without realizing they do the wrong things that undermine the harmony in their relationships. So, in order to secure a happy continuation of your relationship after marrying a Ukrainian woman, follow these tips.

Don’t talk about your exes. If you’re with a particular woman, forget about your previous relationships and don’t mention or compare them with your partner.

Don’t try to change her. Both men and women want to be accepted for who they are and be loved unconditionally.

Don’t be too reserved. If a woman sees that you’re worried about something but you don’t get it off your chest, she’ll think you’re hiding something from her. She wants to support you and heal your wounds, so let her be a shoulder to cry on.

Don’t make important decisions on your own. When it comes to making important decisions that concern your couple, always discuss it together, listen to each other’s opinions, and find a compromise.

Love and respect your partner and you’ll build a harmonious and healthy long-term relationship.

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Science Explains 5 Things Couples Argue About Most (And How To Stop)

For A Young Couple That Have To Sell Their Home

It’s a hard thing to believe when an argument is actually happening, but when couples argue in a relationship, it can work toward strengthening your bond and making your experience together more positive. If you think about it, arguments are a natural part of any relationship, be it with your family, friends, or coworkers. Why should your romantic relationship be any different?

In fact, a lot of psychologists are willing to go one step further and state that arguments are a sign of a healthy relationship. Healthy debates show that you’re willing to move past your problems and act grown-ups.

But what are the most common things that couples argue over? Here are the five most common relationship arguments – and what you can do to make sure they don’t ruin the relationship you have with your significant other.

“I passionately believe that’s it’s not just what you say that counts, it’s also how you say it – that the success of your argument critically depends on your manner of presenting it.” – Alain de Botton

1. Intimacy

The reason why we put this on the top of the list is that it’s the one that’s most ly to go unsaid between two partners.

The most ly reasons for this are either the amount of intimacy that’s taking place (or not), or how creative someone is (or isn’t) in bed.

It’s all good when you get down to it, but it’s figuring out what you want and when you want it that often proves to be the dividing factor between most couples.

The problem, according to expert psychologists, has an easy solution –open communication and balancing “duties.” When you discuss this intimate topic, you have the chance to explain exactly what your issues are.

It’s only by knowing what the other person wants that you’ll be able to reach a healthy compromise that will make you both happy. Try to approach the issue with positivity rather than animosity and look into how you can get better at intimacy together.

2. Children

Having the added responsibility of brand new human beings to look after completely changes the dynamic of any relationship. Whether you’re married or not, once you become parents, you will most ly find yourself arguing over taking care of your children.

That’s perfectly normal. You’ve grown up in different households. Having been brought up differently, you will intrinsically disagree on some things. That will never change.

However, there are ways to work through it without letting it damage your relationship.

The most important things are to not let your anger out in front of your child and to practice constructive criticism rather than to just insult your partner. Talk through the way you see things differently so that you can see where the other person is coming from.

Try to see the world through their eyes. Just make sure you don’t transfer your anger over to the young ones, as those things tend to stick. Ultimately, it’s not a bad idea to seek advice from someone older and more experienced than you in raising children.

Your own parents can be a good source of knowledge and input.

Whether it’s cleaning, doing the dishes or the laundry, cleanliness or messiness is one of the main clashes you can have with your significant other.

In fact, a survey has pointed out that fighting over housework is the main reason for divorce in over 25% of surveyed couples.

While that sounds a scary number, it’s important to remember that, all the other times couples argue in a relationship, the issue of chores can be resolved. In fact, this resolution can lead to both of you emerging as happier, more fulfilled partners in your relationship.

Besides, the correlation between break-ups and messiness isn’t as straightforward as you might think. The way to tackle it successfully, according to scientists, is to keep up the positive thinking and remember that change for the better is possible.

Be open with your partner about what your pet peeves are, without being openly confrontational. Putting forth the specific issues in a positive light will help you see that if they change, it’ll be better for both of you.

Similarly, listen to your partner if they put similar concerns to you – and don’t just brush them away.

4. Money

Financial disputes is way more common in younger couples – especially millennials – than it is for older couples.

Besides, as a survey shows, 82% of the couples who squabble over financial troubles often have some other underlying issues lurking underneath the surface.

Money is an unfortunate part of life and, seeing as we’re living in the age when everything is more expensive every day, there’s no way to avoid these kinds of arguments. But how do you get past them?

One word is the key to resolving your financial gripes: collaboration.

Working together through your financial differences will not only relieve the burden from the one who might be the primary “breadwinner,” but it will also give you a better leg to stand on when planning your future together. Discuss future purchases together. Make a plan.

Split up the bills and the rent dependent on who’s earning what. In all these difficult matters that make plenty of couples argue, you need to walk in your partner’s shoes just as much as they need to walk in yours. You’re a team in this.

5. Commitment

Commitment issues are the one dark horse that can easily ruin a relationship if not nipped in the bud. In fact, commitment-phobes can often be seen as “undateable” or unreliable.

If someone does not trust their partner to maintain a stable relationship, this can ultimately lead to the partner losing faith in their ability to be trustworthy.

A deep issue this can sabotage a relationship.

all the reasons couples argue, commitment is perhaps the trickiest one to resolve, as it involves changing someone’s intrinsic beliefs. There are many reasons why someone would be scared of commitment, and the key to getting past them is acceptance.

Try to understand why they are the way they are without changing them. Make sure you are both comfortable with your ideas for the future before moving on to the next step in your relationship. That way, no one will be disappointed.

Final thoughts

Arguments with your significant other are never a pleasant experience, but always remember to stay positive and figure out what you’ve gained each tough discussion. Ultimately, your bond will strengthen with every hurdle you pass and it will show just how deep and strong your dedication to each other is!

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Leaving Home… a teenage dilemma

For A Young Couple That Have To Sell Their Home

    “An Englishman's home is his castle”; so says an old proverb. “Home” is perhaps the most important thing in a person's life – “home sweet home”, as they say. Yet in Britain's teenage culture, home has long been seen as a place to leave, rather than a place to live.

And while the age of independence is, for many young people, becoming later and later, the desire for independence is developing at a younger and younger age.

    Leaving home for the first time has always been a difficult turning point in life; today the difficulties are perhaps greater than ever before.

Click here to show vocabulary guide

(If the vocabulary guide does not show up (some smartphones), see guide at foot of this page)

Section 1      Background.


    Almost every 16-year old has thought about leaving home.
Many teens dream about leaving home: but the reality can often be much harder than they imagine.     Many have been thinking about it, off and on, for years; some have been dreaming of independence since they were twelve, or even younger.

Leaving home is part of the teenage dream.
   Recently, a survey of “Young People's Social Attitudes” asked British teenagers for their opinions about leaving home.

Forty-nine per cent of 12-15 year olds thought that teenagers should be allowed to leave home at the age of 16; another 12% said 17, and 8% said “when they want”.

Only 23% of young teenagers thought that they should be obliged to live at home until they were 18!
    Yet the teenage dream seems to conflict with the experience of real life; when the same question was put to 18 and 19-year olds, almost half replied that teenagers should not leave home before the age of 18.

    Nevertheless, leaving home is part of the process of growing up. Many teenagers leave to go and study or train or look for a job in a different town or city, returning home when the money runs out. Others leave because they just want to get out. Most, specially younger ones, are happy to go home again later; for a small number, leaving home is a definitive break.


     Every year,  thousands of young people in Britain leave home in search of a better or more exciting life; many of them go to London, attracted by the bright lights, the night life, the youth scene and the hope of finding work.

    16-year olds who leave school with few or no qualifications find it very hard to get jobs; indeed, in some British cities, particularly in the North, finding work is almost impossible for unqualified people, specially young people.

London, however, has less unemployment and more jobs; and though no one imagines that the streets of the capital are “paved with gold” (as in the legend), many teenagers make their way to the capital, hoping to set up a new home of their own.

    Though there are indeed more jobs in London than in most other cities, they are not always good jobs, and the the dream of leaving home and finding a job often turns out to be just that; a dream.     Many return home; some become homeless.

    Homelessness is not a new problem, and there are many associations that help homeless people to find somewhere to live. And although, overall, less people keep coming to London in search of a new life, the number of young people doing so has gone up sharply; their reasons for coming have changed too.

   London's biggest homeless charity, Centrepoint, reported that causes of homelessness among teenagers have changed ; instead of leaving home because of “pull factors” (the attraction of London, the hope of a job) more and more young people now leave home because of “push factors”, victims of broken homes, poverty or physical aggression.

    It's all part of our changing society. In 1961, only about 5% of children (about half a million children) in Britain lived in single-parent families; in 2013, 22% of children, that is three million children, lived in single-parent families. Single-parent families are generally poorer than traditional families.
    Even teenagers with caring parents and lovely homes dream of leaving home. Kids in poor or aggressive homes dream too; in their situation, it's not surprising that they may want to make their dreams come true.

Section 2      Teenagers speak.


“Home’s O.K!” says Simon. “In fact, as far as I’m concerned, it’s the best place to be, even if you can’t always do what you want!! If you live at home, you’ve got to obey a few rules, that’s obvious; but my parents are quite tolerant really! I s’pose it’d be different if they tried to lock me up or something, but they don’t. It’s a matter of respect.. They leave me to it; that way everyone’s happy! Besides, it’s much easier living at home if you can. You get your meals cooked and your washing done for you; and it’s far cheaper than living on your own! I’ll move out when I go to university, but I’ll come home in the vacation. Why not: It’s home, after all, isn’t it?”


    It was one evening in April that Sarah decided to leave home. It was not that she disd her home; not even that she had a lot of arguments with her parents. As a family, everyone got on quite well together; but in the small Dorset town of Crewkerne, there wasn't exactly a lot to do. Besides, Sarah didn't actually live in Crewkerne, but in a village where there was even less to do. She was fed up with school too. Though she had done quite well in her GCSE exams, she had not chosen the right subjects for “A” level and had become disillusioned.     Her parents d the village life; her father, a businessman, was always travelling, and enjoyed coming back at weekends to the peace of  Dorset; her mother had a part-time job in the town. Her elder brother was away at university, her 14-year old sister was, in Sarah's words, “a nuisance”.

    “I just wanted to get out,” says Sarah. “I felt too cooped up; and it was so boring. So I decided to come up to London. For the time being I'm selling beads, but I'm looking for a proper job too.”

    Sarah is one of the lucky ones. Her parents are giving her an allowance until she finds a job, and she lives with two other girls in a flat in Hampstead. She's artistic, she doesn't smoke or take drugs, and can talk intelligently. She'll probably get a job quite quickly.     “I'm glad I left home,” she says; “I'm 18 now, and I'm in charge of my own life. I go home quite often; but I prefer living my own life.”


    Darren claims that he was pushed his home.

    “I lived with my mum and two brothers in Bedford, but I couldn't stand it any more. My mum didn't have a job, and she was always yelling at us. I was in care for three years. Then I went back to live with my mum. In the end I just decided to quit. I don't want to go back; not for a while, anyway.”
    For the last year, Darren has been living in a hostel for the homeless, and at the moment he's doing a training course, to become a builder.
    “There's plenty of work in the building trade in London right now,” he says, “So I should get a job quite easily. Then I'll get myself a proper place to live. I'd to have my own place. A proper home of my own, so as to speak. I can't say I've really ever had a home before.”
Section 3      Living at school.
    Often in Britain, it is parents who send their children to make a new home, away from home. At school.
    For hundreds of years, “boarding schools” have played an important part in British life.
    Not for everyone, of course; far from it. But boarding schools are part of middle class culture, especially in the south of England, where almost 30% of all 17-year olds in secondary schools are in fee-paying independent schools.     Many parents (and grand parents) save money for years, in order to be able to send their children to boarding school.

    “My dad worked as a flying instructor in Saudi Arabia for ten years,” explains Nikki. “He saved as much as he could, to send me and my sister to a good school. He could have spent it on other things; for instance he could have bought a big BMW,  but we've had the same car for five years, a VW, and it was second-hand when we bought it.”

    According to classic images, boarding schools are spartan places, with cold dormitories and strict rules; but the image is no longer true.     “I started boarding when I was 14,” says William; “The worst thing about it was the first few weeks, when it was all new and strange. But now I feel much more independent.     I coming home for hols, but I it at school too. It's not it used to be, with big cold dorms and corporal punishment! You've got to obey the rules, of course; but that's part of life!”         For young people who cannot “go away” to school, university offers the chance of breaking free.     While in many parts of Europe students tend to study at universities and colleges close to home, the British tradition is very different.

    “I certainly wouldn't have wanted to go to college in my home town,” says Tom. “One of the great things about going to university is that you get away from home! Universities recruit nationally, and when you apply, you usually apply to several different universities. You choose your universities for the courses they offer, not because they're near your home.

    I go home to see my parents in the holidays, but that's all. As far as I'm concerned, I've left home now. I certainly wouldn't want to go back home at weekends! That's when everything happens!” Click here to show vocabulary guide

Alternative word guide

A levels: exams taken at the end of secondary school – allowance: some money – apply: be a candidate –
: cheap coloured stones – besides : also – board: to live at school 24 hrs a day  – a break : a complete change – broken home: a broken family – in care: looked after by the local social services – caring: who love and help their children – charity: organisation which helps people – claim : say – conflict with: contrast with – cooped up: restricted, shut in – definitive: permanent, complete – disillusioned: she had lost her hopes, lost her dreams – enjoyed: d – ever-increasing: continually growing – fed up with : tired of, unhappy with – –
fee: money – GCSE: national exams taken at the age of about 16 – grow up: become an adult – hostel: home –
: example – off and on: from time to time – overall: in general – process: system, routine –
: lines, numbers – recruit: attract students – runs out : finishes – second-hand: not new – seek: to look for – single: just one – spartan: without any luxury – survey: study – s'pose : suppose, imagine – trade: profession – unemployment: absence of jobs, people without any work – yell: shout – youth scene: the clubs, meeting places and other things that attract young people –

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Home or homeless?

Find words or expressions in the article that mean
1. To look for ………………………………. 2. Teenagers who are sixteen years old  ………………………………. 3. Who go to London  ………………………………. 4. The fact of having nowhere to live. …………… 5. Families with just one parent  …………………….

………… Read the article under the heading then say whether these statements are true or faIse.. 1. Sarah got on very badly with her parents. T/ F 2. Sarah did not do too badly at school. T/ F 3. Both of Sarah's parents were away at work all day. T/ F 4. Sarah is older than her brother and sister. T/ F 5.

Sarah does not want to continue selling beads for much longer. T/ F 6. Sarah is homeless. T/ F 7. She ought to �?nd a proper job quite easily. T/ F 8. She has not seen her parents since leaving home last April. T/ F Dave's Dog…. Dave wrote down some sentences about boarding school and university in Britain on a sheet of paper.

Unfortunately, his dog found the sheet of paper, and chewed out the middle! Can you help Dave by rewriting the middle part of each sentence, using information from the article!  1. Nikki‘s dad ………………………………………………………………………………….  …………………………. …………………………………….

…..�?ve years ago. 2. William did not ……………………………………………………………………..  at boarding school.  3. British students …………………………………………………………………… close to home. 4. Although Tom ………………………………………………………………………………

 ……………………………………………………………Edinburgh. 5; Tom comes ……………………………………………………………………………………   ………………………………………………………………………….see him.

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How to own a home by the age of 25

For A Young Couple That Have To Sell Their Home

By Cherry Wilson BBC News

Image copyright Mark Hepburn Image caption Mark Hepburn and his partner Laura bought a house with a 5% deposit

Owning a home by the age of 25 has become an unachievable dream for many over the last two decades.

Soaring property prices mean just one in five 25-year-olds own a property, compared to nearly half two decades ago, according to one recent study.

But as the government unveils its Housing White Paper, there are some young people who have managed to buck the trend – without help from the bank of mum and dad.

Here four young homeowners – all couples – who bought properties in 2016 – reveal just how they did it.

Mark and Laura

Name: Mark Hepburn, age 23. A debt collector on £18,500 a year

Lives with: Partner Laura Starkie, age 25. An accountant on £20,000 a year

Location: Oldham, Greater Manchester

House price: £125,000 for a three bedroom semi-detached house

Deposit: £6,250 (5%) with the Help to Buy mortgage scheme (which ended in December)

Why buy a property?

We were sick of living at home with each of our parents and wanted our own space. I'd rather live in a house than just a bedroom. We discussed moving out and renting, but we both agreed it was dead money.

How did you do it?

There was a lot of budgeting. I literally know where every penny goes. I had to drill it into Laura a little bit, but she got used to it after a while. her make-up – she had to go for a cheaper brand. We were both working at McDonald's when we were saving and if there were extra shifts, we would take them.

Image copyright Mark Hepburn Image caption Mark and Laura say they had to change their lifestyle in order to save money to buy their home

Did you make any sacrifices?

There was definitely a lifestyle change when we were saving. We would buy supermarket budget stuff instead of brands. We didn't go on holiday during the time we were saving up – and that was a massive thing for Laura.

How does it feel to be a home owner?

I feel ridiculously happy. I feel proud and our friends are too because they know we worked extremely hard for it. Once you get there, you don't need to worry as much.

What if you need to move?

I recently went for a job in Bolton, which is not that close to where we are now. The salary was £27,000 per year, but I wouldn't move house for that. It would have to be significantly higher to consider jobs away from where we are now.

Image copyright Mark Hepburn Image caption Mark says you need to watch your money if you want to save up to buy a home

Reaction from friends?

I can't count how many times our friends have asked us how we've done it. We just explain you need to save, watch your money and cut back. They're happy for us and we are just trying to get it into them not to leave it too long and to start saving.

Should more young people be able to buy a home?

I have got mixed opinions. When Laura and I were at McDonald's we were on a combined salary of £23,000 and we managed to save up £7,000 between us within a year.

So I don't see how people can't do it. But then we don't have any kids. The Help to Buy mortgage scheme was a God-send.

But if you're stopping something that's so good and helping young people, it's going to cause mayhem.

Ruby and Sam

Image copyright Ruby Willard Image caption Ruby and Sam have bought a two-bedroom terraced house

Name: Ruby Willard, age 22. A recruitment consultant on £19,000 a year plus commission

Lives with: Partner Sam Bardell, age 22. An engineer on £24,000 a year plus overtime

Location: Havant, Hampshire

House price: £182,200 for a two-bedroom terraced house

Deposit: £18,220 (10%) with the Help to Buy Isa

Why buy a property?

It was a case of living at home. I moved back into the box room of my mum's house and I hated it. Sam lived with his parents too so we thought if we can, let's do it – so we decided to save and go for it. We were looking at renting but to us it was throwing away money.

How did you do it?

Being quite tight is probably the answer. When we decided we were going to buy, I thought I'm not going to spend money elsewhere when I don't need to. We did still have a nice holiday to Greece. I get commission and Sam gets overtime so we probably earn £55,000 overall, which meant we were in a position we could borrow maybe more than people on minimum wage.

Image copyright Ruby Willard Image caption The couple's home cost £182,200 and they saved up a 10% deposit

Did you make any sacrifices?

We may have not had such a big social life. We still did things, but we were conscious. What I did was save what I knew I needed to save, and lived on whatever I had left – which was usually about £200 a month. I wasn't buying lunch at work, which would save about £25 a week.

How does it feel to be a home owner?

It was weird at first. When we got the keys it was “are we on holiday?” When things started to come together it felt such an achievement. Everything we had chosen not to do, not going to the cinema one night, helped towards it.

What if you need to move?

We would be open to the idea, but we would probably look for work closer to where we bought a house, so it probably would affect future decisions. If we did decide we wanted to go somewhere else, we would probably look to sell the house and hopefully we will have made some money on it.

Image copyright Ruby Willard Image caption Ruby says owning her own home feels “such an achievement”

Reaction from friends?

It's been quite positive. I have got friends that have bought houses, but a lot of them have had big lump sums of money given to them.

Should more young people be able to buy a home?

Neither of us completed three years at university, so we probably established a career path earlier than those that do go. I speak to a lot of people that have graduated, and they cannot find jobs that will allow them to borrow enough. It takes years to save a deposit, and then house prices go up and they can't borrow enough. I think this is how it is now.

You might also …

Andrew and Kirsty

Image copyright Andrew Douglas Image caption The couple have been told they are “adulting hard” because they have bought a home

Name: Andrew Douglas, age 23. A social worker on £31,000 a year

Lives with: Partner Kirsty Lamb, age 24. A pharmacist on £35,000 a year

Location: Moredun, Edinburgh.

House price: £145,000 for a two-storey terraced house with two bedrooms

Deposit: £21,750 (15%) with the Help to Buy Isa

Why buy a property?

We decided we wanted to get on the property ladder as quickly as possible. If we get on it now, we would be able to buy what we want by the time we are older and looking to have a family.

How did you do it?

We started saving at the beginning of 2015 and were probably saving between £400 and £500 a month each. We did go on a couple of holidays, so although we've been saving, we've still been living. We weren't scrimping, but we do only spend about £30 a week on food. We check receipts and look for the best deals, so that is more thrifty than most people.

Image copyright Andrew Douglas Image caption Andrew and his partner saved around £400 a month each for their deposit

Did you make any sacrifices?

We spoke about going away for three weeks to somewhere Australia, but we thought – it's going to cost £2,000 each and we can put that towards the house now rather than waiting a few extra months.

How does it feel to be a home owner?

It feels strange. It does feel quite a lot of responsibility – I didn't realise how much. Things taking out mortgage protection. Our friends call it “adulting hard”. They're renting and not really thinking about owning a place and they're “wow, you've bought a house”.

Reaction from friends?

Lots of people think it's really good, other people say they're nowhere near that stage. I don't know if they're thinking I'm growing up too fast. It's generally been positive. I don't know anyone who has done it without a partner, so I think it would be difficult to do it on your own.

Image copyright Andrew Douglas Image caption Andrew and Kirsty bought their home with a 15% deposit

What if you need to move?

With a big move we might give it a trial, and rent out this house while we lived somewhere else.

Should more young people be able to buy a home?

I do think people complain they can't afford to buy a house but they go out every weekend, they smoke or they eat out all the time.

But property prices have also shot up in the last 20 years with more people buying second homes. There are also people who don't want to have the responsibility.

I think it's good that the government is helping with Help to Buy schemes and it needs to do more to help first-time buyers.

Rebecca and Adam

Image copyright Rebecca Thompson Image caption Rebecca bought a three-bedroom home with her boyfriend Adam in Irlam, Greater Manchester

Name: Rebecca Thompson, aged 23. An information analyst on £21,900 a year.

Lives with: Adam Drinkwater, aged 25. A bank administrator on £16,500 a year.

Location: Irlam, Greater Manchester

House price: £126,500 for a three-bedroom semi-detached house

Deposit: £6,300 (5%) with the Help to Buy mortgage scheme and Isa

Why buy a property?

We lived in a rental flat together for 18 months and realised that the amount we were paying in rent was more or less the same as we would be paying with a mortgage. When we were renting there were a lot of things we couldn't do, decorate or move anything around.

How did you do it?

It was difficult. I was working part-time in my final year at university so I saved my entire wage and lived off my student loan, which wasn't much. We didn't go on holiday that year and saved as much as we could.

Image copyright Rebecca Thompson Image caption Their home cost £126,500 with a 5% deposit

Did you make any sacrifices?

We came straight from university, where you're living on a bit of a shoe-string anyway, so we probably sacrificed but not realised, because we've not been enjoying the extra income we've had since graduating. We would have probably gone on some more holidays or gone out more and probably bought a few more clothes.

How does it feel to be a home owner?

It's brilliant. I feel it's a really secure base while I'm going on to develop my career. It's one less thing. A lot of people are aiming towards saving a deposit while I've got past it.

What if you need to move?

It would be really difficult, and it's definitely an attraction for staying where I am. In my career there are a lot of opportunities down south, but I wouldn't want to entertain it because of the house prices. It would take us five times longer to save up a deposit, and the amount of income you need to get for a mortgage is totally unobtainable for the average graduate.

Image copyright Rebecca Thompson Image caption Rebecca says there needs to be more affordable housing

Reaction from friends?

Some live in a more expensive area and I think they were surprised. It's not something that's on a lot of people's radar, owning a home at this age. Particularly if you're not in a relationship, I don't think it is affordable.

Should more young people be able to buy a home?

I think cultures have changed a bit. When my parents were growing up, their parents drilled into them 'sort yourself a house, get married and that's when your life begins'.

Now there's not as much of an emphasis. I think homes do need to be more affordable.

It's silly that the town where we live in, a lot people can afford to buy – whereas only as far south as Birmingham no-one can afford to buy a house earning what we do.

First-time buyers: The numbers

  • The average age of a first-time buyer in the UK is 30, says lender Halifax
  • The deposit paid by first-time buyers was on average more than 20% of the property price in 2014
  • The cost of a home for a first-time buyer was 4.

    5 times their annual income in 2014

  • The median income for a first-time buyer household in England was £43,000 in 2014/15 – £16,000 more than all households
  • Nearly a third had help from friends and family for their deposit
  • The average price of a UK home was £217,928 in November 2016 – 6.

    7% higher than the previous year

Source: ONS, Department for Communities and Local Government, Land Registry

Where can I afford to live?

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