00:00Because it is so difficult and everything is so expensive at the moment and I think
00:06that's the way that I would do it.
00:08Bethan says it was a really difficult job getting onto the housing ladder and didn't
00:12expect to be in her 40s by the time she managed it. But with plenty of time and effort, spreadsheets
00:17and cutting back, buying a house can happen even after years of trying.
00:22Rent is so high now and rent in London has always been really high. We've moved back
00:28to Cardiff and I've bought in Cardiff now, but even rent in Cardiff is really high as
00:32well and it's so difficult to be able to save. But what I do personally is I look at all
00:38my incomings and my outgoings, which is a really boring job, but I've got a spreadsheet.
00:42I can't do the budgeting apps, they don't work as well for me. And then I literally
00:47put aside, work out what disposable income I've got and then try and put aside maybe
00:5510% or 20% depending on what the outgoings are like that month.
01:02Bethan knows how hard it is for people, with buying a house feeling like such a far-off
01:05prospect for so many of us. But she just hopes that there might be some light at the end
01:10of the tunnel.
01:11I massively, massively sympathise. I think in London, the average person getting on the
01:19housing ladder is in their 40s. In the rest of the UK and I think in Cardiff where I am,
01:26it's sort of like mid-30s, I think. And it can feel like it's such a long way off, but
01:33you've got to be quite disciplined with yourself, which is really difficult. But also not give
01:41yourself a hard time because it is really difficult and just try and save slowly, slowly
01:45and then hopefully the economy will pick up in the next few years now and mortgages, mortgage
01:53interest etc. will go down because that's what's making things really unaffordable for
01:57people as well.
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