Mud huts to mortgages

Don't you think the whole business of finding a home has gone backwards rather than forwards? At one time all you had to do was build yourself a house and you lived in it and owned it and that was that. Now most of us can only get a house by paying someone huge amounts of money - and we may not own it either.

Gone are the days of the humble mud hut or tepee. Now houses are so elaborate most people simply don't have the skills to build one. So we have to rely on someone else to do it and they charge us monstrous sums for the privilege.

Instead of just relaxing and enjoying our home, we have to spend years sweating and toiling to pay the rent or the mortgage. Is this really the height of civilisation? Or is it more like some modern form of slavery in which we are permanently in hock to someone else?

I know that in return for all this cash we may have very comfortable, very well-furnished homes with all mod cons - a far cry from a rudimentary shack with no running water or toilet or electricity. But hasn't something gone seriously wrong here, that a bit of domestic comfort has such a high price attached to it?

Of course homes might be a lot cheaper if it wasn't for the property price phenomenon - house prices going up and up seemingly without end because there are never enough to go round and because it's so prestigious to own your own home.

If it wasn't for that, house prices might even be affordable, instead of costing umpteen times the average wage. As it is, we're now stretching ourselves to our financial limits and beyond, with thousands of homes being repossessed every year.

The housing situation has gone from odd to completely insane and there seems to be little we can do about it. Home Sweet Home? These days, more like Home Sweet Ball and Chain.