Getting O/h onboard?!

JC_Derby

Read Laurajos thread and was so impressed. I just wish I could get my other half onboard like LJ did with hers.


So our current SOA is 110k mortgage with approx. 21years (I think)
Debt of approx 7.5k on a cc (slow stoozed at zero)but more about that in a minute.
loan with approx. 2k outstanding
15k of my personal savings, o/h has none.
15yr old son (o/h) and 3yr old daughter, O/h is currently stay at home housewife.


My personal goal is to get mortgage paid within 10 years but I don't think that's achievable without getting o/h on board and she sees every monetary discussion as an attack lol. Because I am a saver and she isn't. She doesn't however spend more than she should do imho.


So how am I going to get her onboard???

Luckyinlife

Im with you on this i enjoy saveing just as much as i enjoy spending and earning it

my sister on the other hand saves a fixed amount each month and spends every penny which is left over

You need to explain that in 5-10-15 years what ever it is look how much money you will save/be able to spend then

the amount of interest you save should swing it what kinda intrest you paying atm ?

edinburgher

Contrary to what everyone else seems to believe, I don't think there's any point whatsoever in providing helpful explanations/illustrations of the benefits of OPing, many partners will just find it patronising.

Like all virtues, all you can do is practise what you preach and remain consistent. In time you will win her round

JC_Derby

thanks for the responses!


Gosh I hadn't realised that I hadn't finished.


SO my slow stoozed CC is actually 1.5k short ie ive used that money for other things, which currently isn't that much of a problem and should I be able to roll it over wont be an issue.
I will say that's not normally like me, but I do have some excuses
a 3y.o daughter that never sleeps through. Ok that's figuratively an exaggeration, shes actually slept through the night TWICE in the last year! And I suspect probably only 4-5 more times the year before that. And a job where I have an75 min commute daily. So I lost track of things with the cc.
We are also getting married this year


So last week I set up a £10 per month OP from the 123 account. Depending on how much O.T I do I
should actually have a bit of free cash in the next couple of months - Daughter will get free pre-schooling from next month which is £200 a month not being paid out on that, but will probably be used elsewhere ie sons 16th...

JC_Derby

SO looking through the figures we'd need to overpay by £300 a month to be MF in ten years, not something that's going to happen, at least initially.
So this month is the last payment of preschool circa £200-£250 and I know that ive earned a lot of ot this month(paid end of March) so will put that somewhere out of the way or over pay loan.
have started using interest in 123 account as an overpayment on mortgage


Not sure how to show the mortgage that some people do in signature with line through it?

wishus

JC_Derby wrote: »

Not sure how to show the mortgage that some people do in signature with line through it?

It's the S button next to the hashtag. Or, use HTML by writing [STRIKE] either side of the text you want to cross out.