And, you will get change, if you vote Yes. You will be spending an even higher proportion of an even lower income on mortgage and rent.
Interest rates will go up as the economy will not be as stable - properties in Scotland will be more risky to banks than in the UK. Landlords, many of whom have mortgages themselves, will try to pass on costs to tenants. Those with mortgages will struggle to pay them. Jobs will suffer and there will be fewer jobs around, so pay will not rise. There will be an higher tax take to pay for all the wish list.
The burden of a huge public sector, an ageing population and the long list of promises will make every one still living in Scotland in the event of a Yes vote very much poorer. That is EVERYONE not the rich (who can move) or the middle class (.who might struggle to be could move) but the poor who will find their benefits cut as, eventually, there is no money to pay for their food and increased rents.
Bloody scary.