Ummester, I suggest that you do not judge until you know. It's not a good feeling to be pregnant with your first child, get fired from your so called secure job by a bitch of a boss, have them threaten you if you take them to court, default on your mortgage cause you have no other way of making an extra $700 per week, have your husband working 100 hours a week to try and make the deficit, fight, nearly divorce, nearly lose the baby and in the end have to go bankrupt chasing the great Australian dream.  You try doing that before you judge people… I was cautious with my mortgage, I just didn't bet on getting fired! I am not saying my situation was any worse than anyone elses and I am grateful for our second chance.
And as for making money for jam, I am working damn hard in my job and I budget everything and am looking to partially replace my income within ten years time. I am not looking for a quick fix, I know they do not exist, I am just trying to create a future for myself and my children, and not have them ask all the time "Mummy, why don't you spend any time with us?" because I am working full time. I do not want to become rich, just comfortable…. So next time, have a little consideration before you comment.

To everyone else, thank you very much for your help. I am researching over the next few years, I am not planning on jumping into anything quickly, so I think in about 3-4 years we will be ready to purchase our first investment.