mortgage stress how sad , page-15

Based on this survey then to be in mortgage stress I only have to answer YES to the following two questions:

"4 In the last six months have you cut down
on luxuries to make sure you can pay your
mortgages Y/N? (Please identify)"

"5 In the last six months have you reprioritised
your general spending patterns in order to
ensure you make your mortgage repayments
Y/N? (Please identify)"

I would say that a fair portion of mortgage holders both now and in the past could answer YES to both of these questions at some point within the life of their mortgage. As a general rule in the early days of your mortgage I would say you should be doing both these anyway and I would hardly consider these to be stress indicators in most cases.