I'm relocating to another country next year. CBA with the paperwork of that while immigrating. Also, my LL and I are on good terms, my rent is way below market value and cheaper than if I had a mortgage. I've managed to save just under £35,000 in the last few years.  I plan on putting down a decent deposit and buying a car.  Have I explained my finances clearly enough to you or do you feel a need to get some kicks by picking apart any other aspect of them? Personally I find people like you who jump in with nonsense like this are the ones most likely to have a checkbook that resembles a botched abortion, but there you go