Ztan's Shared Equity Story- MFW from the word GO

Thrifty_Pixie

hmm. yes. i am very choosy who i discuss my desire to be MF with.

i've told my mum, but then she and my step-dad are pretty comfortable and mortgage-free, so i know they'll understand. also, it explains why we don't blow money on loads of holidays or 'keeping up with the joneses' with gadgets and whatnot like my siblings do. we still have treats (we're building an art studio !!!!!!, so we're not exactly boring!) but we try to make sure that our wealth is rising for our later years, not just accumulating 'things' of little worth.

where friends are concerned i am choosy because i know a lot of them are struggling right now just to get by, and i feel like it's rubbing it in a bit if we can afford to pay £500+ o/p on our mortgage each month. admittedly they all chose to have children, whereas we haven't, and that's partly why we have that excess, but still.

but then again you'd be surprised at how much vitriol we get from some about that too! it seems to me that some are envious that we can spend all our money on ourselves, even though having children was their decision, not foisted upon them by some higher power.

gah. i dunno.

ztan

gallygirl wrote: »

I dreamt it was warm enough to wear sandals, albeit with trousers. Gutted when I woke up to snow (was a few days ago), I was looking forward to getting my tootsies out :rotfl:.

Oh Dear gg! That is disappointment dial 10!

Their response... 'but you have to live and have a bit of spare money to treat yourself'.

My thought was 'and that is why one day I will be mortgage free on my forever home and you will have nothing to show for your money'.

Totally with you there Stacey. Let them roll their eyes and assume you have no idea what you're doing... you'll be laughing in 20 years and off on holidays etc with all that spare cash you have THEN.

but then again you'd be surprised at how much vitriol we get from some about that too! it seems to me that some are envious that we can spend all our money on ourselves, even though having children was their decision, not foisted upon them by some higher power.

Oh TP.. you are spot on there too. I work in a small office- there's me and my colleague. Colleague is 40 in a few weeks, has a young DS and a young DH. Colleague is forever about not having money and how expensive children are etc- wants another one and can't afford it.

No one forced colleague to leave ex husband, get a house they couldn't afford and have a child. But you'd think colleague had a gun to head.

A small, vindictive part of me enjoys talking about my plans to give up work when I'm older so my DOH and I can have children. It makes colleague very :mad: and is convinced we can't do it. When I have a mortgage half the size of colleague's because I've spent years of my youth OP and saving, I will be able to.

Aren't we a cheery bunch today? At least we have each other

:rotfl:

Thrifty_Pixie

i've found that most hateful people are hateful to you because they regret THEIR decisions and are taking it out on YOU because you're living the life they realise they want. whether it be sorting out your finances or having kids, their arguments against you are usually the arguments they use on themselves to either put off saving or talk themselves into yet another child they can't afford.

'oh but i need some treats!' or 'but who's going to look after you when you're old?' (a particular favourite of mine insinuating that having a child is just to cut your care costs when decrepit).

i think you're doing what i would've done had i wanted kids - sort out your financial security FIRST then you can bring kids into a stable, happy environment.

ah man...haters will hate and all that. !!!! em i say

/rant

gallygirl

ztan wrote: »

Let them roll their eyes and assume you have no idea what you're doing... you'll be laughing in 20 years and off on holidays etc with all that spare cash you have THEN.

No, she won't be 'laughing', she'll be 'lucky'.

Oh, can't wait for someone to say that to me. They I'll say:
Didn't feel 'lucky' when I was:

• driving a 'boring' economical car instead of a gas guzzler
• getting up at 5.45 to go to work and getting home after 7
• still managing to take my breakfast and lunch in every day
• doing online surveys for 10p a go
• cleaning out a filthy and freezing btl in the middle of winter
• not buying an ipod, ipad, ipad mini and iphone (as in not buying any of them, not all :rotfl:)
• flying Ryanair & Sleazyjet instead of 'nice' airlines
• buying clothes on ebay and charity shops
• etc etc

And yes, I've still 'lived a little' 2013 hol #2 coming up and am bemoaning the fact there's only another 2 to go :rotfl:. Priorities m'dears, priorities .

ztan

Precisely GG... Although I can safely say I will be laughing when I achieve what I set out to, in the face of everyone who said I couldn't do it.
Telling me I can't do something or wont achieve it, only makes me more determined... and so far I haven't failed at anything I set out to do.

I have to be honest, I am extremely lucky right now and lucky to have a relatively sensible head on my shoulders. I could be living the big life now, bigger than it currently is but I'm saving that for when I'm older and wiser rather than blowing it all now and being nowhere later in life.

The people I know who talk down people like us who want to be MFW were not sensible, and did the opposite of all of those things you've listed GG... and as TP says are only wishing they'd done what we're doing.

We've had a busy day! I purchased and assembled my mini green house, sowed my first seeds (2 varieties of peppers, dahlias and some other pretty plant), picked up my free seeds from Hbase, picked up my prescription and dropped wardrobe rejects into the charity bins at the supermarket.
DOH worked this morning and has spent the whole afternoon tidying and resassembling our garage, which doubles as a utility room.
Oh, and I went for a run and make Creme Egg Cupcakes... NOM!!!
Checked all the spends and we did good this week, minimal spend with a few NSD!
Time to chillax now!

gallygirl

ztan wrote: »

Telling me I can't do something or wont achieve it, only makes me more determined... and so far I haven't failed at anything I set out to do.

Oh yeah? Well I reckon you can't pay my mortgage off in 12 months Miss Smartypants :rotfl:.



(Got to be worth a try )

ztan

You're on!

(They don't have to be 12 consecutive months do they? Maybe a 12 months spread out over 12 years? :rotfl:)

gallygirl

ztan wrote: »

You're on!

[STRIKE](They don't have to be 12 consecutive months do they? Maybe a 12 months spread out over 12 years? :rotfl:)[/STRIKE]

Just PM'd you my bank details . Ignoring 2nd part .

ztan

gg

Intersting day yesterday- had a phone call reference a job I applied for a few weeks ago.

I applied via a recruitment agent, waited to hear something. About a week ago, I heard that I'd been successful- as far in the fact they passed my details to the employer, who emailed me with an application pack, asking me to fill it out and return by the end of the week.

At this point, I gave up. I'm not desperate for another job, and I resent companies who make you rewrite history. You've already applied, submitted your C.V and a cover letter and then they ask you to redo it all again.

Thought no more of it.

Get a phone call yesterday, left a voicemail. Emailed the lady (who works at the employer not the agency) and explained- at work can't talk but can email- to which she responds "We want to offer you an interview"

:T

So, I figure they must have had little or no applications back and therefore given up. They have asked me to bring a filled out pack with me, because they need it for their records, but I got an interview without having to put in the effort. Bonus!

It sounds like a good job and it's closer to home, so I am keen. Have got to head there straight from work next week, so will have to try and dress as smartly as possible without arousing anyone's suspicions and then change jumper and shoes in car!
:rotfl:

Anyhoo.. had free dinner at MIL's last night. Ran to her house so me and DOH could have our hair cut as well- so free dinner and free hair cut, and then a lift home because it was dark and cold! :cool:

Ooooh! And I got given an Easter Egg by a collague yesterday. Nothing beats FREE chocolate!

Thrifty_Pixie

wow. that's quite a day! :j good luck with the interview!