Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

I'm 23, living at home, and still can't afford my own property. What could I do?
You have made the most important first step by starting to think about your money, well done. Firstly pay of all credit cards as quickly as you can and start to live within your means.  Until you have paid of your credits cards don’t spend any money of unnecessary items, e.g. Once your credit cards are paid off you can start living a more normal life.  Each time you spend money you need to ask yourself: Is this worth more to be then being   able to buy a new house in a few years   time? You should be able to save at least half the amount you were paying of the credit card each mouth and still leave a reasonable life, so setup a standing order at the start of the month to  your saving account. Given your age you are like to get promoted and hence have increased pay or get increments for each year of service.  Therefore Every time your pay goes up, set up a   standing order to transfer at least   half of the pay increases to a saving   account.   You did not have this money   before, so you will not miss it when    you save it. In the long term, you should be able to keep your car until it is about 15 years old, so will not have the cost of buying another car.  Therefore once the car loan is over, you can save that money as well.