Owning your own home

Just a little warning about "we'll over pay etc etc" Don't rely on it (or increasing wages) as real life has a habit of getting in the way a bit.

Not putting a downer on things just something you have to expect (new white goods, leaks, the boiler going when it's freaking brassic outside... you know that kinda shit)

If you pay by direct debit then you can make sure that you overpay by asking the mortgage company to do this, it then makes sure that you stick to the overpayments.