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Tigwig and Hawkwalk thanks for your comments, yes I agree with you Tigwig us honest folk who try to be sensible and work out what we can afford end up getting b*gg8r all help.
Yes we were shocked by our outgoings once we sat down and wrote everything down. That figure of 1700/mth does include �335 put aside for holidays which will obviously come down if we had a baby. We both agreed we are not extravagant in our expenditure, except maybe the holidays, the figure includes all outgoings so petrol, food, leisure, insurance all included plus a bit added on for higher bill payments with a bigger house.
I will go to that link and think some more.
Many thanks.