I bought a £650,000 two-bedroom flat in one of London's most desirable postcodes aged 29, without 'the bank of mum and dad' - this is the simple budgeting rule that made me a homeowner

Natalie O'Neill, now 30, took ten years to save the £65,000 deposit she needed for her two-bed home in Hackney, east London - and began when she was earning just £26,000 a year aged 20.