Your home can help you beat the credit crunch

You?ve given it the best years of your life, stripping and polishing its floorboards, repairing its sash windows and pumping a huge chunk of your salary into its mortgage. And how does your house repay you? By dropping hundreds or even thousands of pounds in value a month. These days, it could be losing as much as you are earning. But there are ways of making the ungrateful thing pay its way.

1 Rent out the dead space

Offspring finally flown the nest? Then renting out their room can be a good idea, especially if you were smart enough to create a cordoned-off area for them when they were teenagers. Take Nick and Sarah Fer, in their early fifties, who have let out the top floor of their three-storey house in Hove, East Sussex, since their daughter, Ellie, went to Leeds University.

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