Not enough in Emergency Fund!

monetxchange

liselle said:

So sorry to hear of the white goods all going at once.
Once you’re sorted, I would strongly recommend insurance ; it’s so worth it.

Very best wishes, Liselle

It can be in some circumstances, but be wary of buying those £7.95 per month per appliance style insurances that they try and push in stores. Many end up paying them for three or four years and by then you've spent so much money you could have saved and just replaced with a secondhand model.

On_my_way

Sharon87 said:

Indout96 said:

My sister used washable nappies for my niece, and a dryer was essential for them, 

Makes you wonder how our children managed to stay alive back in the late 70's early 80's without all these essential items

That's because rent/mortgrages was cheaper and only needed one income to sustain a family. Both of them work, my sister part time at the minute, so these items are essential now. If she wasn't working I'm sure they wouldn't be essential.

AND people had a lot less. One salary is ok now if there are no computers, 1 car if that, no mobile phones, having fewer clothes etc 

[Deleted User]

Don't discount Freecycle either. My local group frequently has offers of dishwashers and washing machines etc., mainly because people are clearing out a relly's house or they're having a new kitchen installed. You could take a chance and ask/put up a wanted post on it and see what happens. I gave a surplus, good quality, fully-working freezer away when we moved in to our house for no other reason than we had our own already.

db2016

northern bloke here, and we hand wash dishes, it was part of childhood chores, and just continured that way.
never too many, unless your baking etc and creating lots of items. but i use wok a lot, or a griddle pan and some microwave steamers etc and theres never too much.

its a luxury, but at an upfront and on going cost, a bit of elbow grease never hurt anyone!

askaspel

Consider a buy now pay in 12 months deal on, say, an Argos card. You are saving regularly & that discipline will work for you when it's time to pay the interest free balance.

JayRitchie

askaspel said:

Consider a buy now pay in 12 months deal on, say, an Argos card. You are saving regularly & that discipline will work for you when it's time to pay the interest free balance.

Just no. Please read some threads on this forum to see what frequently happens to peoples lives when they borrow money - especially as this is a completely unnecessary purchase.

monetxchange

askaspel said:

Consider a buy now pay in 12 months deal on, say, an Argos card. You are saving regularly & that discipline will work for you when it's time to pay the interest free balance.

Encouraging people to take on more debt on the Debt Free Wannabe forum is never going to be popular. If you can't afford it, you don't get it would be a much better suggestion for a debt free life!

enthusiasticsaver

Sharon87 said:

Indout96 said:

My sister used washable nappies for my niece, and a dryer was essential for them, 

Makes you wonder how our children managed to stay alive back in the late 70's early 80's without all these essential items

That's because rent/mortgrages was cheaper and only needed one income to sustain a family. Both of them work, my sister part time at the minute, so these items are essential now. If she wasn't working I'm sure they wouldn't be essential.

I think many families needed two incomes in the early 80s in spite of having kids and rents may have been cheaper in some areas but mortgage rates were much higher.  We did not do holidays when the children were young though just day trips out or the beach. 

Tumble dryers and dishwashers were always nice things to have but not essential even if  you work and have young children.  Tumble dryers are expensive to run for a start and often ruin the clothes.  I used to put the washing over a bannister, an airer over the bath or a hanging rail and still do that mainly.  Out of the two I would rather replace the dishwasher if it broke and I could not afford to replace them but even that could wait and I would not count it as an emergency.  I consider things like  roof, window, door  or boiler/heating  repairs as essential along with replacing a cooker or fridge or mending  a car which is essential for work.  

enthusiasticsaver

liselle said:

So sorry to hear of the white goods all going at once.
Once you’re sorted, I would strongly recommend insurance ; it’s so worth it.

Very best wishes, Liselle

I strongly disagree.  I have seen many soas when people have paid out insurances for white goods when if they saved that in a savings account they would have it available to replace the appliances which in our case have lasted 10 to 15 years or more.  If we paid out for insurance for them we would have paid for them many times over.