MSE Parents Club Part 9

Tigsteroonie

I have to admit to having been extravagant and ordered a large (cardboard) keepsake box off eBay for Andrew's things. I needed it big as I've got newspapers from the day he was born, and large A4 cards his Nanna made. It's out there in the snow awaiting delivery, I hope!

BeenieCat

Ugh i've just cleared about a foot of snow off the car. Don't want to drive in this Got to take DS to a birthday party in town, can't think of anywhere close to park that doesn't involve steep ramps or sloping car parks. Hopefully they've been gritted. The car wasn't keen on starting, started first time but was flickering at me :eek:

Buttonmoons

Weezl - Thanks for that info. I did actually think it was only if he died at work. I guess on the upside, if he dies, we will finally have enough money to buy a house. HAHA go figure! That's grim. It's shocking how we can't get a mortgage here, well we probably could but they wouldn't lend enough to buy a flat (probably) let alone a small 2 bed house!

He earns 26k basic, but with overtime and bonus', it's nearer the 28/29k mark.

Maybe when I start working we'll get one!

It's mad though, because people pay like what, 500/600 PM on a mortgage (ok not sure how high the mortgage IS or the property) but we have 1k left a month after bills/utilitys and food (ok I spend more on that out the 1k because I can simply)

I'd much rather we were taking 4/500 out of that 1k towards a mortgage!

World is CRAAAAZEEEE.

Lala - Was it you who mentioned the beanbag sofa? We have a bean bag, a leather one, for OH to sit on whilst he games on his (non working PS3 hah!) I can't fault that, except it needs new beans.

Are the sofas low down to the floor? I'd like it a bit higher off the floor? I should maybe have a look because I don't mind beanbags! Alternative...or something

Think we are going to take Keira Ice skating at the rink tomorrow, I'm soooo rubbish at ice skating, I just hang on to the edge lol, anyways, I think Beccles took Charlotte skating? Did she manage okay? Worried she'll knock herself out as we are gripping the sides :rotfl:

searching_me

hello'er chickadees good job i didnt drive today some people are mental .. got a nothing birthday present for the year sort so that £55 and 4 full present and 4 half and bits towards to make hampers .. just need to find a cross stitch birth sample thingymajig for my nephew to be so i can get started on that ..

how is everyone else?? ooo and life insurance this may sound like a stupid question but is it worth it?? x

i dont understand all everytime ive looked in to it it confuses me more x

jillie1974

the life assurance is to cover what fall in income etc into the household if either person were to die/have serious accident/terminal illness.
say for the of us....
we need a full and part-time salary to cover all bills,food etc but if something happened say me. DH would need to work full time but still need the extra to cover bills or he may decide not to work and be a full time SAHD. the life assurance would pay a lump sum to cover all these possibilities. or even if something happened to both of us. this could mean a large sum of money in a trust till a certain age.
doesnt have to be too expensive. we were advised to have a policy to cover us (at the moment) uptil when we think Kian would be self-sufficient. for this they suggest as he may go to uni...you can do it till they are 16 if need be.

prob not explained it very well but i feel its something worth having

Tigsteroonie

searching_me wrote: »

how is everyone else?? ooo and life insurance this may sound like a stupid question but is it worth it?? x

i dont understand all everytime ive looked in to it it confuses me more x

Depends on how much you want to be able to provide a safe financial environment for your child(ren) should anything happen to you. And also depends whether you can afford it! Personal choice really, some people feel happier with the safety net, others take calculated risks.

searching_me

jillie i dont understand it .. im trying to get quote but my head hurts x

searching_me

and for life insurance if i die me and philip are not married but of course i would like it to go to him and the kids .. would i be able to do that x

elle_gee

SM, have you looked at this - http://www.moneysavingexpert.com/insurance/level-term-insurance?

hammyhunter

Fitzio wrote: »

I have loads of gift bags and I don't know what to do with them. I have re-used a couple of them, but the others are taking up space and it seems a shame to throw them out. Would a charity shop take them? If not, they will go in the recycling bin I think.

I would keep them Fitzio, if I was you (and you had plenty of room) but then I am really sad and love gift bags :rotfl:

As well as pensions and life assurance it is worth people thinking about critical illness policies too - you can buy them either attached to your mortgage or as a stand alone policy which would pay out a specified amount upon diagnosis of a critical illness i.e. cancer or multiple sclerosis etc