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Paying the mortgage.

It's amazing how a rise in the mortgage rate can eat into your income. Having just bought my dream flat at 21, I had hardly been in a year when suddenly the bank had raised its interest rate twice. As my flat had two bedrooms, I quickly realised that I might have to take in a flatmate to help pay the bills.

Admitted I liked the idea of a hot young girl, who would happily strip off in front of me, yet when I finally put the room on the market, no one even contacted me in the first three months.

When the phone finally rang, it was a guy called Ryan on the other end explaining about my advert. Okay so it wasn't a sweet young thing, but I was at the point of desperation and would have happily taken anyone.

By that night Ryan and I were shaking hands at the front door. Standing there looking at a good looking guy in his mid 20's, I realised immediately that if I found myself a nice girl friend then I would have to keep her away from Ryan, even I could see Ryan's qualities.

Showing Ryan through to the living room, we talked casually for a couple of minutes, and then suddenly Ryan seemed to stop in thought, then said rather matter of fact.

...

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