London Daily

Focus on the big picture.
Saturday, Jul 18, 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
For 36 Years, He Scammed About 300 Luxury Hotels — Until He Was Caught
Britain Nationalises British Steel to Protect Scunthorpe Production and Strategic Supply
Andy Burnham Takes Labour Leadership and Prepares to Become Britain’s Seventh Prime Minister in a Decade
Tech Companies Want to Move Computing Off Your Screen and Onto Your Body
White House Teleprompter Operator Earned More Than $100,000 From Bets Linked to the President's Speeches
French Prime Minister Survives No-Confidence Vote After Controversial Budget Cuts
European Commission Opens Excessive Deficit Procedure Against France
French Senate Blocks Key Immigration Reform Measures
French Government Pushes EU Action Against Ultra-Fast Fashion Imports
French Parliament Debates Expanded Autonomy Powers for Corsica
France Reopens Autonomy Talks With New Caledonia After Months of Unrest
Bordeaux Wine Producers Seek Three Hundred Million Euro Aid Package After Export Collapse
French Farmers Block Spain Border Crossings Over Imported Food Competition
Cannes Film Festival Bans Fully Artificial Intelligence-Generated Films From Competition
TotalEnergies Shifts More Than Three Billion Euros of Green Investment From Europe to the United States
LVMH Chief Executive Bernard Arnault Presents Succession Plan for Luxury Empire
Kering Reports Fifteen Percent Revenue Drop as Chinese Luxury Demand Weakens
Sanofi Reports Positive Results From Messenger RNA Respiratory Vaccine Trials
France Places Energy Price Caps Under Review to Protect Households Through Winter
EDF Connects Two New Nuclear Reactors to France’s Electricity Grid
Mistral Secures European Commission Contract for Sovereign Artificial Intelligence Models
Renault Opens Next-Generation Electric Battery Plant in Northern France
Air France Signs Two Billion Euro Sustainable Aviation Fuel Deal to Cut Emissions
Marseille Launches Three Billion Euro Port Expansion to Strengthen Mediterranean Trade Role
French-Owned Ubisoft Announces Global Restructuring With Nearly One Thousand Job Cuts
National Railway Operator Suspends Artificial Intelligence Ticket Pricing System After Consumer Backlash
United Kingdom to Ban Sales of High-Caffeine Energy Drinks to Under-Sixteens
Home Office Designates Iranian and Russian Paramilitary Groups as National Security Threats
National Health Service Launches Housing Plan to Retain London Healthcare Workers
British Heatwave Fuels Wildfires and Emergency Evacuations in Scotland
United Kingdom and Estonia Sign Defence Agreement to Strengthen NATO’s Eastern Flank
United Kingdom Cuts Bilateral Aid to African Nations by More Than Eighty Percent
Bank of England Overhauls Banking Rules to Encourage More Lending to Businesses
United Kingdom and India Free Trade Agreement Enters Into Force, Reshaping Bilateral Economic Ties
Andy Burnham Confirmed as New Labour Leader and Prime Minister-Designate
UK Government Faces Pressure Over Extreme Heat Workplace Rules
Lewisham Council Blocks Cooperation With Home Office Immigration Enforcement
UK Parliament Investigates Growing Pressures on Scotch Whisky Industry
Teen Hackers Sentenced Over Thirty-Nine Million Pound Transport for London Cyber Attack
Ministry of Defence Acquires Scottish Fuel Terminal to Strengthen Royal Navy Operations
Bank of England Eases Rules as Economic Growth Remains Weak
Bank of England Governor Warns Andy Burnham on Britain’s Long Economic Stagnation
UK Defence Ministry Buys Scottish Fuel Terminal to Secure Naval Energy Supplies
UK Secures Access to European Defence Contracts Through Ukraine Support Deal
Bank of England Plans Easier Capital Rules to Encourage More Lending
Met Office Says England and Wales Have Already Broken Summer Heat Records
Counter-Terrorism Police Lead Investigation Into Murder of Former Minister Ann Widdecombe
UK Government Nationalises British Steel to Protect Domestic Steel Production
French National Assembly Overrides Senate to Pass Historic Assisted-Dying Legislation
Spanish Prime Minister's Wife Ordered to Stand Trial as Corruption Probes Encircle Governing Party
×