A sharing agreement may have a major impact upon your life and your finances.

If it is a major investment you should consider the contract rather like a marriage. It should bring you years of happiness, but don't go into it lightly and without proper consideration.

• This spreadsheet (yours2share-estimated-costs.xls) is specifically designed to give an ESTIMATE of the financial values to be considered when purchasing any valuable asset. It deliberately simplifies some aspects of the financing in order to give ball-park values that can be easily understood.