Maybe I should change my plan
1 - give the money saved towards my atpl to the well paid missus to use as a deposit for our first house (all in her name)
2- take out loads of credit cards in my name while i am still working in a decent job.
3- fund all cpl/ir on cards
4 - declare myself out the game, i have no assets, yet me and my-unmarried missus have a house brought in the price crash and i have my cpl/ir. Kinda of a 2 for 1, as once i had my CPL i was gonna have to start saving all over again for a house!
Would that plan work? I think I could live with the hassle of using top-up cards on my mobile if it meant I could would get a house as well as my CPL!
maybe i will do some research into this....!