It's no secret high rents are stopping people saving up to buy a house.
It's also not exactly news that even with money saved, finding an affordable home and securing mortgage for it aren't the easiest things to do either.
But what if you didn't have to?
Well, mum of one Kimberly Marren found a way to do just that.
"I was renting in a property worth around £800,000 and I felt so at home there but I just knew it was never really mine," Kimberley, 31, told Mail Online.
A chance encounter led her to consider a radical alternative - living rent and mortgage free by spending her savings on a canal boat rather than a deposit for a house.
She took the plunge - spending £18,000 on a "slightly run down barge" and began the job of turning it into her dream home.
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We are the creators of our lives we just have to connect to our true being and dream them to life... and remember others are there to help us build our dreams too. since I started to practice Yoga 2 years ago I started to be able to really focus my energies and centre myself in this very chaotic society allowing me to make responsible life choices that helped me find the truest self inside of me, I found her to be brave and a tad mischievous to say the least, so much so she gave me a little shove to acquire this (what was a slightly run down barge) there was lots she wanted to do, it was like becoming a child again... if it's not just our own dreams we focus on and want to make come true and we help others along the way also everything you want to achieve starts to become more possible. When your a kid on the playground and another child wants your toy, there is a moment where you pass the toy over to them and stop them crying, this is when you realise it feels good to care for another... when we master this as adults, To have empathy and gratitude towards others it means you will attract others to feel those things towards you, and the universe will then sometimes seem to be on your side more than not and things from your dreams will start to fall into place. Then through persistent meditation, visualisation and manifestation and lots of hard work they can start to come true. So Welcome on board to what was once one of my dreams a home made from found items, giving them a second life, charity shop interiors. Made lovingly with the help of beautiful friends and with helping hands and advice from a beautiful boating community, her name is SUNSHINE THANKS TO ALL THAT MADE THIS DREAM POSSIBLE... x charityshop #bargelife #barge #ch4 #houseboat #comunity #kundaliniyoga
Kimberley gave herself a £25,000 budget, deciding to do the work of converting the barge herself.
"I thought I could do it for £7,000 and that's when I realised there was no plumbing, so that week I went out and bought five pots of paint and began painting," she explained.
"But I quickly realised it needed a lot more work than this internally. It's just when you see something looking nice, you start seeing what the boat could become and it spurs you on."
Friends - both new and old - helped out and she used a combination of found objects, charity shop bargains and her own creativity to build a stunning home.
"Welcome on board to what was once one of my dreams a home made from found items, giving them a second life, charity shop interiors," she announced on Instagram.
"Made lovingly with the help of beautiful friends and with helping hands and advice from a beautiful boating community, her name is SUNSHINE THANKS TO ALL THAT MADE THIS DREAM POSSIBLE."
Kimberly, originally from Somerset, worked out she saves £1,000 a month on rent - money that she's been able to use to improve her dream boat still further.
She has installed solar panels and plans to add a water filter to make canal water usable inside her barge.
And all of it paid off - with the barge fully ready to accept her daughter Willow when she was born.
"The first time we brought her home from hospital it was winter and I was worried it would be cold but it was absolutely fine," Kimberley said.
"It's been challenging at times but she loves it."