I've never understood why people pay so much money to live in studio flats in crap areas of a city. We live out in Kent and including a drive to the train station and buying the ticket can be in central London in 40 minutes. That gets us an £1100 mortgage payment on a 4 bed house surrounded by farmland. Sometimes when we meet friends who live in London for dinner it takes them longer to get to the restaurant than it does us.