To the high mortgage cost you have to ad costs for education. After more than 10 years living in UK I have realised there is something fundamentally wrong and it can't be solved with personal alternatives you proposed. They might be attracting however it will not change the whole problem. There will be a solution only after a total collapse of that system.
https://steemit.com/brexit/@johano/time-to-reclaim
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Fair point, but all I was trying to do was to point out was a few individualised solutions.