newly weds

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Tell me folks why is it that most newly weds have got to have houses with all the latest mod cons in it.They both have to go to work so they can afford the rent,and if the wife gets pregnant,or the husband get the sack well they are stuffed.They cant afford the repayments so they loose there house,why cant they start of small and work there way up.please let me know your thoughts on the matter thanks.