the boat.

`We have always worked for ourselves and thought we'd just, you know, quit the business and get regular sorts of jobs, and find ourselves another house, a bit bigger, no problem. In fact, we like one we saw a lot, and are putting in an offer.

`But when we started shopping around, the mortgage people at different places didn't seem to enthusiastic and we don't understand. They said that we might not qualify because our financial profile doesn't add up. We don't get it, we paid cash for everything that we wanted, even though it is a little tough getting by on our new monthly incomes.' Next week: Why paying cash for everything does not always pay off.