Issue one.

I wanted to downsize because my income was very low and I was having serious concerns about maintaining the property I was in. I knew that property required new windows, new floors and from what I could find out that seemed to cost what I had in savings, so I knew if I stayed put, I would have to deal with lots of services, disrupt the whole house, and have no money at the end. My one foray into buying double glazing for the house had resulted in a major dash across country to try and find the company who had disappeared with my cheque. So trying to upgrade my house seemed a major challenge, so I figured if instead I could downsize to a property that did not need any work, then that would be easier. And even better if I downgraded to a property that I could subsequently rent out I could actually work less. I explained all this to W. H Brown, that there was no point in moving, if the new property could not deliver. W.H Brown said I could rent the property out the minute I moved in. A year on, I am working longer hours than before to try and pay for the work that needs doing on the new property before I can rent it out!