Phibbleberry
Registered User
- Messages
- 166
In the last year or two, we didn't go mad- we had holidays/bought what we wanted aswell as needed; but we did it with money we had, not money we borrowed from the bank.
We were also offered a gift from my parents towards the house. As we could manage the deposit and mortgage, I decided I'd rather have it in reserve, as an emergency fund, or to facilitate taking some unpaid leave when we have kids etc.. (its always been specified that this is to go into the bricks and mortar - not for a wedding/to buy a car etc.., its for mortgage only, and I planned to honour that.)
We have also saved a small bit, to cover us for a couple of months unemployment or in case the boiler blew up. Its not substantial, but given that we've very little borrowed (bar mortgage and c. 5k outstanding on very low-interest loans) we're probably far better off than an awful lot of people in our situation. But its taken a life adjustment to save it, all the same.
So, we've done well 'til now and have everything we need for the moment, but theres a very real possibility that I will be out of work in the next few months. And I'm starting to feel a bit aggrieved. I'd be interested to know if people think I'm justified.
I would work anywhere, I'd go mad at home doing nothing (like the majority of newly unemployed), so if (or more likely, when) I get made (statutory payout only) redundant, I will most certainly be very, very actively looking for a job.
However, should I fail to secure work, which is not beyond the bounds of possibility next year, and it goes on until the point that I run into a period where I am means tested for welfare payments, the precise fact that I did NOT go mad when many of my peers did, is going to bite me in my @ss! I don't believe this is fair.
It means that when we do get back on our feet, we will have no more nest egg, it'll be gone, and could affect all future decisions -marriage/babies etc..
I feel like going out and spending it all before this happens (but on positive things - paying off outstanding loan, household goods, heII even prams/cots for future use etc...) so that at least I have something to show for it, and will get use out of.
I don't feel thats fair on the genuinely needy - but I do feel its fair on all the people who have nicer cars, bigger TV's and better tans than I do. Well, the credit-paid-for ones, anyway.
Am I being unreasonable?
We were also offered a gift from my parents towards the house. As we could manage the deposit and mortgage, I decided I'd rather have it in reserve, as an emergency fund, or to facilitate taking some unpaid leave when we have kids etc.. (its always been specified that this is to go into the bricks and mortar - not for a wedding/to buy a car etc.., its for mortgage only, and I planned to honour that.)
We have also saved a small bit, to cover us for a couple of months unemployment or in case the boiler blew up. Its not substantial, but given that we've very little borrowed (bar mortgage and c. 5k outstanding on very low-interest loans) we're probably far better off than an awful lot of people in our situation. But its taken a life adjustment to save it, all the same.
So, we've done well 'til now and have everything we need for the moment, but theres a very real possibility that I will be out of work in the next few months. And I'm starting to feel a bit aggrieved. I'd be interested to know if people think I'm justified.
I would work anywhere, I'd go mad at home doing nothing (like the majority of newly unemployed), so if (or more likely, when) I get made (statutory payout only) redundant, I will most certainly be very, very actively looking for a job.
However, should I fail to secure work, which is not beyond the bounds of possibility next year, and it goes on until the point that I run into a period where I am means tested for welfare payments, the precise fact that I did NOT go mad when many of my peers did, is going to bite me in my @ss! I don't believe this is fair.
It means that when we do get back on our feet, we will have no more nest egg, it'll be gone, and could affect all future decisions -marriage/babies etc..
I feel like going out and spending it all before this happens (but on positive things - paying off outstanding loan, household goods, heII even prams/cots for future use etc...) so that at least I have something to show for it, and will get use out of.
I don't feel thats fair on the genuinely needy - but I do feel its fair on all the people who have nicer cars, bigger TV's and better tans than I do. Well, the credit-paid-for ones, anyway.
Am I being unreasonable?