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A WORRIER

(52 Posts)
Nobody Tue 07-Mar-23 09:37:39

New here but thought I would ask for some advice. DH and I I think are quite well off but who knows how true that is as everyone has different circumstances, finances. However after all our bills are paid each month we have around £2000 to do with as we please. All other bills are paid off what we call our 'bill money'i.e. normal council tax, keeping car, hols etc. Housekeeping and items of clothing, meals out and what ever 'treats' we have are paid off this £2000. We have money in the bank which we saved for all our lives and only touch this when we have to i.e. projects in the house or other items which amount to large sums of money but these are now far and few between. We have a lovely new car and hope this will see us 'out' no plans to buy another. My problem is I get fearful that we will run out of money and I find it difficult to spend the monthly income we have without counting it all of the time in my head. Should I buy this? should I buy the next thing, will I treat myself and on and on I worry. I know I'm being silly and I also know we are much better off than a lot or folk out there. I just find it hard and I am beginning to hate myself for being like this but just can't let go.

Germanshepherdsmum Wed 08-Mar-23 16:54:31

I can understand why Nobody has this insecurity. When I was on my own, with a small child, after my first husband left I was desperately hard up despite working as a solicitor. All the bills for the matrimonial home fell on my shoulders as well as feeding and clothing a growing child. It was a very long time, after I had remarried, before I felt able to buy anything for myself other than essential work clothes. That sort of thing stays with you.

My own income is smaller than my husband’s as due to being contracted out I don’t have a full state pension and my personal pension provider, on whose advice I was contracted out, went bust leaving me with a much reduced pension pot and few years left to bolster it. Yes, I have variable irregular income from shares etc but I am very much reliant on our savings and I am not extravagant or self-indulgent. We have plenty in assets but I have Nobody’s anxiety, to a much lesser degree, should I lose my husband. When you have literally had to account for every pound spent it never really goes away.

I can only say, Nobody, you are well off. You have savings and additional money each month to add to them. Probably like me your extravagances are small, but try to find pleasure rather than guilt and worry in them, as I do. You will be fine.