Im so fed up.. OH and I have a mortgage for a 2 bed flat in basildon. Have lived here for nearly 4 years now. Thing is im fed up with being tied down by a mortgage plus all the other bills. This flat is costing us a fortune to live in and it just isnt worth it. its ok, but there is mould growing up the walls, its always freezing as there is no insulation and im just fed up. I just want to sell up and go and rent somewhere cheap... i hate having this mortgage hanging over my head. Everyone says how lucky we are to be on the property ladder and that we would regret it if we sell but tbh i dont give a s**t about the 'property ladder'. whats the point in being on it if its costing u all your hard earned wages to live there and u have no life. i just so dont want to be here right now.