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LinsTwin, you must not be great with money because I bought my first house with my husband when I was 19 and we both only had part time jobs. It is a 4 bedroom house and it isn't in an extremely cheep place to live the house cost 125,000 and let me reinforce we both only had part time jobs. Now that we have full time jobs we have already paid off the 20% that we can in a year and at this rate we will have our house paid off by the time we are 24. SO just because you are bad with money doesn't mean that everyone is. I think that if you live on your own with a stable job and feel that your ready go for it.

Not nice, mtrose. I'm not making a__sumptions; that's why I asked a question, so please don't make a__sumptions about me. I live near Los Angeles, where an entry level 2 bedroom house will cost you around $600K... maybe less if you don't mind living in a less than desirable area or at least an hour out of town. You couldn't find a studio apartment or a mobile home in southern California for $125K. Around here, that makes for a nice down payment, not a purchase price. I can't be too bad with money if my down payment could purchase your house outright. But that's beside the point. My question was about her credit. Most 19 year olds can barely qualify for a credit card, because it takes credit to get credit. So it's hard for me to understand how she could qualify for a home loan. But I do understand there are other possibilities. Perhaps she has enough money that she doesn't have to get a loan... Or perhaps an older partner has the credit to buy it on his own. Apparently, as you've pointed out, when the house is really cheap, it may not take as much to qualify. But that's why I asked.

Hi Linstwins I thought i would answer your questions.Me and my partner work together earning the same money and pay all the bills equally.We actually live in the UK about 60miles from london and house prices in the UK have rocketed in the last year so it is not a cheap place to live, but we both left school and went into full time employment which paid well.we met when i was 16 and he was 20 and fell totally in love so from then on we decided to save up and get our own place we have no help we just save up,dont party and live within our means.Because of the house prices going through the roof we decided to rent for one year when i was 17-18 then bought our first home 18-20 and now i am 20 and my partner is 25 and we have made enough profit to buy a bigger better home to start a family in. i hope that has answered your questions xx

Holy c___p, sis, you're still reading this website! Well, I guess you have reason to now. Anyway, it's best to stay out of this particular forum. I used to post here occasionally but only read once in awhile now. No matter how respectful you are in your posts, there will always be some little kid like mtrose who'll attack you and read nastiness into anything you say. You can't explain to a 20 year old all the wonderful things in life they will miss out on by not taking advantage of their youth. Remember how much we thought we knew about life back then and how everyone older than us just 'didn't understand'? Getting involved in these discussions is futile.

Haha, hey Lin! Yah, since I'm prego again, I've been lurking around these parts. In fact, I almost responded to a couple other posts until I noticed that you'd already replied and pretty much said what I was going to say! :o) And Sarahd87, thanks for not a__suming that I was attacking you. I'm actually quite impressed with the way you've handled things. Very mature for someone your age. I still question the wisdom of having children so young, though. I don't think you'll ever regret having your children, but I'm sure that every young girl who vehemently defends how smart she is to have children so young, will one day look back and think, "I don't regret having my kids, but NOW I know what they were talking about!" There's a reason we all end up saying the same things to our kids ("If your friends jumped off a cliff, would you?") that our parents said to us. It's because as much as we think we know it all when we're young, when we get to their age, we realize that they weren't so stupid. Good luck with whatever decision you make...

LinsTwin, I wasn't attacking you I was just pointing out that you automatically a__sumed she lived in a c___ppy little house "Do you live in a depressed area? Do your homes have wheels?" That sounds pretty rude to me and instead of asking where she lives if it is a small town (where the market prices are cheeper) you ask if she was living in a motor home, and so what if she did. do people that live in small homes or appartments their whole lives never deserve kids and should never have them. I have also talk to my parents and my husbands parents on many occa__sions about TTC. Both parents had their children young (after they were married but while they were still early 20's) both sets of parents said they would do it the same. My mom is 43 and her youngest will be moving out next year and now my dad and my mom are travelling. You make your on choice you can have kids young and be young when they move out or you can have kids when you are older and have the time without kids before them. Plus their are pro's and con's to having children at any age. Just because you are older doesn't not mean you are any more financially ready you or your partner could lose your job become disabled. I think there is not a right age to have children but rather a right state of mind and financial situation. I am sorry Linstwin if it felt like I was attacking you I didn't mean to sound like that and it did come across b*tchy (I am a little hormonal right now)

this forum for "the Best Age to Get Pregnant" is pretty pointless...because really, age is JUST a number. Everyone's maturity levels are different...and all of us come from different backrounds and roads of life that make us ready for children at any given age...be it early 20's or late 40's. As long as everyone understands what responsibilties come with having a child...whats the big deal if they choose to start their family early or later? I myself am 22...and my Dh and I are expecting in June. This has in no way inhibited our dreams or aspirations for ourselves, each other, and our little one...but has made our dreams even stronger. Parenthood is about making sacrifices and giviing yourself for your child...as long as both involved are ready for that...then I'd say go for it...whoever and whatever age you are.

IMO, 20 is not young at all.. i was engaged on 20, got married on 21 and got our first baby on 22.. im 24 now and im enjoying being a young mom as no one believes im a mom to an almost 2 yr old baby girl :) if ur in a secure relationship and financial position, then go for it :)

That's all nice and easy to say, but unfortunately the large majority (note not all) of 20 year olds haven't a clue what a secure relationship is. Of course, they always think they do. We all did/do.

I am 21 in april and i am 22 weeks pregnant took me 17 months to concieve me and my partner have been together 5 years and we are fiancially and emotionally ready to have this baby i think age is just a number its how your mind works every person is different and ts just wrong to judge people by their age HOPE YOU ALL THE BEST SARAH KEEP US UP TO DATE IF YOU WANNA CHAT SOMETIME BE FREE TO ADD ME TO MSN OR YAHOO PM ME FOR MY EMAIL ADDRESS. xxxx lots of hugs!!!!

just realised you cant get pms on this site lol or can you? my addy for yahoo is danielle.lillie

hello everyone we have been ttc now for 3months no luck yet though my periods have just sorted them selves out now because i stopped the pill (cerazette)i didnt bleed at all on that pill so when i had my first period i actually felt like a women again and i think i am ovulating at tho mo! we have only just moved so we have been quite stressed out so it probably wasnt the best time ttc but we are back on track now! thanks to everyone for there comments. i posted on the pregnancy and s_x forum but havnt had a reply yet if anyone can help me out? baby dust to all us baby makers!! xxxxxx

sarah try unprescribed clomid you can buy it online and most people get pg in 3 months good luck!

Just sat here and read all of this! wow so many different opinions. I'm almost 20, have been living with my partner paying for our own house since I was 17 and partner 19. We live in the UK so are able to get a 100% mortgage...we got married last September after being together 3 and 1/2 years. We have been bought up in christian families so felt very stong about getting married as soon as possible. For us having a child at this age is perfect. I don't think there is a bad age to get pregnant, as long as you are in a secure/stable relationship and able to cope with the responsibilites that come with having a child i.e finances, commitment, stress on relationship etc. I can understand why people may think 20 is too young as there are so many irresponsible 20 year olds out there. My husband and I feel that we won't be missing out on life by having a child now but by not having a child now we would be missing out...sorry to confuse! x

hi sal where abouts in the uk do you live? we live in southampton.i am so glad that i am not the only 20year old that actually owns there own home and doesn't still depend on their parents.can i ask how do your parents feel about you trying for a baby?my parents worry about money even though we are totally financially stable and i moved out years ago i think its because they struggled when they were young.me and my partner have been together 4 1/2 years and are due to get married may 15th 2010 and i would really love to have a son/daughter there with us on our special day xx

We're in Peterborough. Parents got married quite young and started with my brothers early 20's. 2 of my older brothers already have children, but they are much older. No one in family has ever really commented on age, just money! I've been able to give up work as we've been ttc for 6 months and thought maybe we hadn't conceived due to work related stress. Will just have to see what happens. How long have you been ttc? If you want to email me feel free, it is nice to chat to someone same age ttc! hello_kitty_33 'at' hotmail. com. Sal x