At the moment, staying at my mum's coz i got in a bit of a mess with my credit cards. i'm renting my flat out for a year to get myself straight. Thing is, when i had a debt company come out and they did my finances, my disposable income is only actually about £10 per month. so basically taking into account £30 a week for, (what i'm allowed by law) and my petrol allowance, that's all i've got left after bills, so not surprising that i've got a lot on credit cards. The £10 a month is what i have left for leisure (doesn't even pay for cinema ticket!) My flat is in negative equity so they told me either 7 years to pay it off (opting out of my pension to find the surplus funds) or bankruptcy (which is the better option in their opinion as i wouldn't lose the flat bcoz it's not worth taking it). my mum and dad decided it would be better if i came home, as they didn't want my pension wrecked, and rented my flat and paid off my debts in a year. but i feel a bit like i'm just going to go back and, because of the lack of disposable income, i'm just going to either start accumulating debt again, or basically vegetate in a one bedroomed flat, never going out and never meeting anyone. I'm finding the whole situation a little bit depressing. There is so much i want to do, i've had some shoot relationship where i've come out with nothing and spent the time with those blokes doing what they wanted, not what i wanted. i want to travel the world a bit, go to Alaska, Yellowstone and New Zealand and do stuff i wouldnt normally do, but i'm already nearly 39 and i feel like my opportunities are slipping away. Would it be such a bad move if, once i've paid off my debts, i just get rid of the flat (once it's back in equity) rent a room instead (which would be half the price of my mortgage) and then spend all my spare cash having an exciting time instead. I get an amazing 33 days holiday a year and if i cleverly work them around bank hols etc, i feel like i could go and do all the things i want to do. i'm not sure i want to spend the next 20 years struggling on my own and waiting til i retire to do this stuff. Is it such a big deal to have your own place? or am i an idiot to give it up and will i end up in poverty living somewhere crap when i'm older?