One of the reasons I find this so riveting is because we bought a ruin in France, at the edge of the Vercors plateau near the Italian border, in 2002. Ours had a new roof (for quick sale), but the old one had collapsed inside and was still there, along with the rotten remains of the floors and staircases. We had never done up a house before, but with the help of friends and neighbours we removed all the rotten wood from inside so that we had an empty two-storey stone box with a roof. The next year, with the help of a friend, we installed an upstairs floor and a staircase (€100 from Brico Dépot). And then, every summer, in the school holidays, we went out and fixed a bit more of it. Our kids were aged 8-10 during the time we did it, and they helped us a bit, played with the local kids, and got good at French. Now fast forward to the 2008 financial crisis, and we lost our UK equity because we were over-mortgaged, and because my work - writing modern language text books (see post elsewhere) - had collapsed when modern languages were removed from the GCSE curriculum in 2004. We didn't have the house (re-)possessed, but we sold it for exactly what the UK mortgage was ('you leave with nothing - except a French almost-ruin'). We then rented in the UK for a few years, but it was nuts to pay rent when we couldn't really afford it and owned a property outright that we could move into, albeit not really habitable. So in 2013 (coincidence!) we finally moved out here and moved into the only-just-not-ruin. The electricity was connected a few days after we arrived, but there are still quite a few things that we never got round to doing, because once you live somewhere you get used to it, warts and all. We paid £25K for the house in 2002, and it represents our entire equity, although it is obviously now worth more (not that much though - property price inflation in France is extremely slow). I offer this story simply as a means of pointing out that, when one is down on one's uppers and has nowhere to go, there is another way forward...