London Daily

Focus on the big picture.
Tuesday, Apr 07, 2026

‘I spent four years couch-surfing and house-sitting to save for a flat’

‘I spent four years couch-surfing and house-sitting to save for a flat’

Four frugal years of house-sitting and sofa-surfing enabled this savvy dancer to save up for her first flat
At just over 400 sq ft, Emma Farnell-Watson’s first home is far from large. But after four years spent couch-surfing, house-sitting and lodging just being able to unpack her possessions feels like the height of luxury.

Keen to buy a place of her own, but without the bank of mum and dad or a hefty salary to fall back on, Emma, a ballet and contemporary dancer, decided her best option was to cut her living costs down to the bone.

She sacrificed stability for affordability, and by the start of this year had saved an impressive £50,000, which was enough to get her on to the property ladder at the age of 26.

“It was amazing being able to be nomadic for so long because it meant I saved a lot of money — but I was living out of a suitcase a lot of the time, with most of my clothes stored at my parents’ house,” said Emma. “I didn’t feel like I had a home.”

The longest Emma lived anywhere during her years on the move was a flat in London Bridge. It belonged to a friend who let her rent the spare room for about a year.

But in the year before the pandemic Emma was on the move constantly and had half a dozen different addresses.

Emma first moved to London in 2013 to study at the London Contemporary Dance School.

She graduated in 2016 and began to build her career, but quickly became disenchanted with the joys of the London rental market.

“Through my work as a dancer I have built a strong community of creative friends and contacts and moved from place to place — house-sitting while people were away on projects or renting lovely rooms at mates’ rates,” said Emma. “There was a significant amount of sofa-surfing involved as well.

“I think lots of people who work in creative industries consider home-owning in London as out of reach, but it is possible if you’re savvy about it.”

Emma moved into her one-bedroom flat in Barking in May. “It feels amazing,” she said.

Despite her years of saving, Emma’s budget was modest by London standards, so she opted for a £200,000 micro-flat by Pocket Living, a developer that specialises in building compact but budget-friendly apartments.

Emma is freelance, which means that she doesn’t have a set annual salary. But on a good year she earns about £45,000 and this allowed her to borrow £150,000 to pay for her flat. She also benefited from the stamp duty holiday.

“My flat is south-facing, which was really important to me, and I want to keep it fairly uncluttered, but it certainly doesn’t feel small to me,” she said.

“Having a terrace really makes a difference, and I am just really grateful to have my own kitchen.”
Newsletter

Related Articles

0:00
0:00
Close
Operation Europe: Trump Deploys Vance to Hungary to Save the EU
King Charles Faces Criticism From Some UK Christians Over Absence of Easter Message
Former UK Defence Secretary Raises Concerns Over Ability to Counter Iran Missile Threat
UK Signals Non-Involvement in Iran Conflict as Trump Reasserts Firm Deterrence Stance
US and UK Strengthen Medical Device Cooperation Following Tariff Removal
Trump Backs Steve Hilton for California Governor, Highlighting Reform Agenda
UK Seeks Closer Ties With Anthropic as AI Policy Divergence Emerges Across Atlantic
Experts Warn of Evolving Extremism After Teens Arrested in UK Ambulance Arson Case
UK Convenes Talks to Safeguard Shipping Through Strait of Hormuz After Conflict Escalation
Trump Highlights Strong Leadership in Critique of UK Stance on Iran
UK Authorities Review Kanye West’s Entry Status Following Festival Backlash
UK Considers Deploying Aircraft Carrier for US Independence Day Celebrations Amid Renewed Transatlantic Focus
United Kingdom Moves to Attract AI Firm Anthropic Amid Tensions with US Defense Officials
RAF Intercepts Iranian Drones in Middle East to Defend Allied Security Interests
Labour Signals Shift on Foie Gras and Fur Restrictions to Advance EU Trade Talks
Seven Arrested Near RAF Base as UK Authorities Respond to Protest Activity
Economic Pressures Mount as Analysts Warn UK Growth Is Being Constrained by Policy Burdens
UK Green Party’s Push for Church-State Separation Sparks Debate Over National Identity
Strategic Island Emerges as Growing Challenge for United States and United Kingdom Defense Planning
Pepsi Pulls Sponsorship from UK Festival Following Backlash Linked to Kanye West
Signs Emerge of Declining Enthusiasm for Social Media in the United Kingdom
Security Alert Raised Ahead of Meghan Markle’s Planned Visit to Australia
UK Food Halls Defy Hospitality Slowdown, Emerging as Bright Spot in Challenging Market
UK Sets Firm Conditions for Military Action, Insisting on Legal Mandate and Clear Strategy
UK Medicines Regulator Launches Probe into Peptide Clinics Over Health Claims
New North Sea Drilling Unlikely to Significantly Cut UK Gas Imports, Analysis Finds
Woman Linked to UK’s First All-Female Terror Plot Faces Deportation
Downed US Aircraft Over Iran Linked to Operations from UK Airfield
Two Men and Teen Detained in UK Following Attack on Jewish Charity Ambulance
UK Police Launch Inquiry After Firearms Left Unattended Outside Mayor’s Residence
Giuffre Family Calls on King Charles to Meet Epstein Survivors During US Visit
Amber Wind Warning Issued as Storm Dave Approaches Parts of the United Kingdom
Prince Harry and Meghan’s Australia Visit Set to Draw Heightened Global Attention
UK Considers Entry Fees for Overseas Visitors at Major Museums Ahead of 2026 Travel Season
UK Prime Minister and Kuwait Crown Prince Coordinate Security Response After Regional Escalation
Calls Grow to Expand Fully Paid Maternity Leave for UK Teachers Amid Workforce Pressures
UK Secures Tariff-Free Access to US Market in Landmark Pharmaceuticals Agreement
Trump Projects Strength in Critique of UK Leadership and Naval Readiness
UK FinTech Setback as VibePay and Smartlayer Cease Operations Amid Funding Pressures
UK Leads Global Coalition of Over Forty Nations to Address Strait of Hormuz Crisis
UK Firms Urged to Accelerate Preparation as New Sustainability Reporting Rules Take Shape
UK Moves Rapid Sentry Air Defence System to Kuwait After Drone Strike Escalation
Transatlantic Relations Tested as UK Seeks Balance While Trump Reshapes Strategic Approach
Trump’s Strategic Pressure on UK Seen as Push for Stronger Alignment and Fairer Terms
UK Focuses on Trade Finance to Secure Critical Materials for Defence and Energy Sectors
Majority of UK Businesses Hit by Middle East Conflict While Confidence Holds Firm
UK Royal Navy Faces Renewed Scrutiny as Debate Intensifies Over Capability and Readiness
Reform UK Faces Mounting Distractions as Policy Agenda Struggles to Gain Traction
Investigation Launched Into Northern Cyprus IVF Clinics After UK Families Receive Incorrect Sperm
International Meeting Issues Unified Call to Safeguard Navigation Through Strait of Hormuz
×