Do you remember being 18? Do you remember what it was like when you had to pay your rent for the first time and budget for your gas and electric and council tax? I remember being skint and never having enough money for it all. For me, and most people like me, the Bank of Mum and Dad was the buffer at the end of the month. In fact, at the beginning of the month too. I never needed housing benefit and I count myself lucky.