Save for emergency fund or buy new mattress

jimjames

If you'll be taking on more debt to buy the mattress then don't, save until you can afford it. But if it's new then you need to address why it's having a problem first

Voyager2002

adventureofmemories wrote: »

we sweat so much in our sleep and only mouldy where the boards are so we'll take them off to create air .

Perhaps your bedroom is too warm?

While common sense suggests the opposite, a cool bedroom actually helps one to sleep soundly. And of course room-heating is not exactly free...

adventureofmemories

We never have heating on too much in our bedroom. Its freezing when we go to bed.

We have mould spray now that we will try to use. I will invest in a matress protector.

I'll stash money away for now but if we need to buy a mattress I'll just use that money.

We have a dihumdifer pot ... maybe 1 isn't enough?

WorldCitizen

Do you have any mould on the walls?
It's quite strange to have mould on the mattress itself without the whole room mould problem.

adventureofmemories

No mould any where else

JustAnotherSaver

I've just had a re-read of this thread.

You say you owe your fianc!e a lot of money. Everyone has their own setup that works for them but i find this odd. May be just me but it's odd to me. Presumably you're going to marry this person and then your money is their money and vice versa.
So you give them this money you 'owe' them but it's still technically your money (AND their money)?

My wife recently broke my earphones. Said she'd buy me replacements. I said no point - it'll be coming out of our bank account anyway so i may as well just go in & get some.

Obviously people could go overboard with it & say well what's the point in buying Xmas presents for each other then or whatever but that's just getting silly.


Anyway another thought i had (this depends on you as a person) would be to take out a long 0% on purchases credit card and buy a new mattress.

If you're the sort of person who gets all dizzy when they have a credit card in their hand and goes like a lunatic in the shops buying a load of stuff they don't need then obviously this is a bad idea for you.
But i'm quite disciplined and i will only use the credit card for things i actually do need & would be buying anyway. I make sure i pay the minimum payment so i get charged no interest. I mark on the calendar when the 0% date ends and say 2 weeks before this date i pay the balance off in full. With the duration that's available these days you could have 2 years to pay off your mattress.

So if your mattress costs £500 and you get a 24 month 0% on purchases card then 500 / 24 = £20.8333333333 per month - so just set up a standing order for £20.84 per month to come out of your wage into a separate account so that it doesn't get mixed in with everything else & accidentally spent, then when the day comes to pay off the card - the money is there.

WorldCitizen wrote: »

Do you have any mould on the walls?
It's quite strange to have mould on the mattress itself without the whole room mould problem.

Not really. In my case the mattress had mould but the room was fine. It was all due to that board (or in my case - the door).

adventureofmemories

The money borrowed from my fiancee came from his own personal savings for a car and driving lessons. Thats the only reason why im paying it back. We half everything.... he dont want to open joint account.yet.

We have 2 boards under and so will take them off.

atush

Does your fiance sleep on this bed? If so, he should pay for it, as he has been sleeping on it for how long?

Or pay at least half of it. Honestly you need to save for an emergency fund, but also need a new healthy matress. So if he has the ready cash, he can buy it. You buy the next thing once you have saved. Plus if you go out tomorrow you can get one half off?

Soot2006

Definitely look out for second hand mattress. I sold one a few years ago for £20; was absolutely nothing wrong with it, but didn't fit new bed after a measurement error. I cried! But thankfully I found an excellent condition IKEA mattress to fit our frame for £50. Looked good as new, no smells, no stains .. Still have that one!