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Affecting my life at the moment with the cost of living and i get married next month, so my pennies are very tight, and £270 a month is quite a big amount of money for me to have additional outgoings for effectively nothing new i m not gaining anything from this so any holidays or extras that we want in our life, we are unable to do. shelly walker s choosing to pay interest only likely to cost more overall in the long run, but for now it makes the cost of living more bearable as other bills increase. i ve chosen an interest only mortgage because it s cheaper on a monthly basis, so that means that i m more able to afford the luxuries that i like to have in life. and my husband is self employed and we were concerned about how his income might be affected by some of the energy rises and such. from first time buyers to anyone coming to the end of a fixed term rate, surging interest rates will affect around a third of all mortgage ....