<prompt> Human: So several years ago my family suggested I chip in to buy a 3 bed house together - the family house we had been renting for years. There are 3 of us siblings paying equal mortgage payments per month with equal deposits. There are 5 people living at the property and one of them is a mortgage payer 2 other people living in the home are working full time and paying nothing . Myself and the other sibling dont live there but still pay mortgage. She lives abroad renting as well and is comfortably well off. I am the only married sibling and have a family so I cant live at the property too cramped and instead have to rent in a cheaper area. At the end of the month i am either negative or have tens of pounds in my account and have no savings. My wife is a stay at home mum but plans on working once all the kids are in school 4 to 5 years. I want to figure out a way to stop wasting money on rent. Im in the UK if that matters.  <response>: Tell the people living in the house to start paying rent or stop coughing up your part of the mortgage payment 