Debt

Mr HT is the same. We don't use our joint account much (there's no way I'd let him see what I waste all my money on) but I do use his card quite a lot and he's always telling me off for the odd transactions on his account ?

Ah yes, I'm all for joint accounts but it's always nice to have your own pot of money for needless shite. I wouldn't be without mine ?

That was me yesterday afternoon, me and step mum decided we couldnt go back outside due to the torrential rain as we couldnt possibly get the new wedding shoes wet so we should just have one more bottle...

Sounds like a tough call, but someone's gotta do it.

This sounds so much like H and I on a Friday morning as he is going through our finances. It often makes me feel a little bit like a naughty child though ?

Mortgage until I sell my house.
No debt - have a credit card which I use for work expenses which gets paid of when I get the claims back.
Joint CC we use for all shopping - gets paid off in full each month.

Me and OH have our own accounts which our wages go into and then we just transfer what we need each month into the joint account for bills.

Savings - about to lose almost all savings when we put HUGE deposit on new house - lowest interest rate we could find, so all good, but slightly uneasy losing the majority of our savings!

Mortgage until I sell my house.
No debt - have a credit card which I use for work expenses which gets paid of when I get the claims back.
Joint CC we use for all shopping - gets paid off in full each month.

Me and OH have our own accounts which our wages go into and then we just transfer what we need each month into the joint account for bills.

Savings - about to lose almost all savings when we put HUGE deposit on new house - lowest interest rate we could find, so all good, but slightly uneasy losing the majority of our savings!

Ha if you knew us JoJo - sensible would NOT be how we are described!

I know it seems like that, but we were both left with debt from ex partners and have worked our arses off to pay it off, so debt is not an option for us (unless we had no choice). I think that's why it makes me uneasy not having much rainy day money left, but you're right, low mortgage payments is much better in the long run. God we ARE dull! - runs to fridge to drink a jagerbomb.

Need to spend a small fortune to furnish it - woo hoo! ?

I don't think anyone on here has said that? I think most people would agree that a mortgage falls into the category of necessary debt, and given you own the house at the end of it, it's sort of not debt.

I can't understand the people you overheard though. Most of my friends who have kids also rent. It doesn't make them less good as parents!

Thank goodness - I'd be so miserable if I couldn't treat myself! This makes me feel much more optimistic about it all!

In terms of debt, we have our mortgage and I have an overdraft and a chunk on my CC - I am blessed enough to have landed a smashing job with a hefty pay rise which I started in January, so I have no concerns about paying either of these of witihn a few months. That said, I know how lucky I am - I've earnt a lot less previously, and it's bloody soul destroying sometimes when you incredibly hard and don't have the cash to splash out on a meal out a couple of times a month, and this grinds you down and eventually you say "Right, f@ck it! We're going out and we'll put it on the credit card!" and then payday comes and you can't quite pay it all off....and so on. As someone else said, I wouldn't judge anyone in debt. And although it is my instinct to think "Why get pregnant if neither of you has a JOB?" I also understand that being long term unemployed is often a sad consequence of the current climate, and quite honestly it is no one else's business if someone wants to start a family regardless of their financial circumstance.