20-07-15, 10:07 PM
First change you need to make is to no longer be a smoker, I stopped 9 years ago and now I wonder why I ever did, started at school when I was 12 and smoked for over 40 years. Next always put your home first, I was fortunate got my first in 74 and was mortgage free by 84 and even after divorce I still had enough to by a terrace house for cash, so for the last 31 years I've been housed for "free".
If I wanted to go off round the world I would rent my house out, so I had the lncome and somewhere to come back to, my advice is always move forwards and never backwards.
If I wanted to go off round the world I would rent my house out, so I had the lncome and somewhere to come back to, my advice is always move forwards and never backwards.