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Don't you have any savings?

If you can't afford mortgage repayments and savings, you are living above your means

I plan to always have enough savings for 1 year+ of unemployment

I have approx 6 months salary saved. I used to have more, but some home emergencies meant I had to eat into some of my savings recently. The government here decided that pursuing austerity for years without end was the way forward, and began implementing all sorts of new taxes, so I get paid the same as I did 4 years ago, but bring home approx 20% less. Same government policy has forced countless local businesses to shut down, meaning that there are very few job openings (programming or otherwise) available for the last couple of years. So I could quit now, manage approx 6 months payments and then stand a very good chance of still having no job. That or stay where I am and post about how my life sucks on HN.

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