sparklychar wrote: »
Yes.... can any of these cards be shifted to 0% if they aren't already?
You've mentioned a couple of times that you don't want your kids to suffer as a result of your financial habits.... I completely understand, but would like to play devil's advocate/offer the other perspective.
I'm a bit older than your kids (25!!!) but my parents were always really open with us about money, encouraging us to come to them if we had any concerns, and also sharing if they were going through any hardship. Like you, they have well paid jobs and do well, but my father over his working life has been made redundant 2/3 times. There have also been other times of hardship when Mum had mental health issues, and when she had to take leave to care for my grandad. They did go through times when I was little with bailiffs etc so I understand, when Dad suffered severely with depression.
I think we appreciated being trusted with this sensitive information in a way... they didn't go into anything in great detail, but would tell us for example 'we're having to be a little careful at the moment'. Yes it concerned us, but we appreciated being treated maturely.
I remember when my sister and I were about 10 and 14, Mum and Dad explained to us that we couldn't afford a holiday this year, but instead we had a week having lots of daytrips and picnics... we loved it, but i do appreciate we were younger than your kids!
Similarly there were a couple of Christmases when Mum and Dad explained we had to be a little leaner that year.
I didn't blame them for any situation and although I know I'm in some debt now, I think it's taught me a lot about money and not to bury my head in the sand.
If you don't agree with me, no problem, just offering another perspective. Really enjoyed reading your diary
Good luck xx
If you plan to get a place via 'clearing'
Lower your band & save £1,000s
Past-best-before health food etc