i think you are in a really good position to buy now. Remember markets and the economy go in cycles, if its on the way down now it'll be going back up before you know it. You need to look at how to take advantage of the peaks and troughs in the market prices as an investor. if you're struggling there's a really good company called Fourth Development who are really good with first time investors. Give them a call and they can give you all kinds of advice.