I've started making a few non-financial changes to put me in a better position. I'm organising to move my work to a lower cost of living area, which will put me in a position that buying a property should be within reach. I've also upgraded my vehicle to a newer model (old car was 2006, just purchased a 2019 model). It's a small van instead of a car, with the potential to be made into a micro-camper which will give me some cheaper holiday options in the future.

I had good timing selling some ETFs to get cash for the car (and because the move means my timeframe for wanting a house deposit have been moved forward). It wasn't at the peak of prices, but was before most of the drop.