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[Foxylady]

Bit of both, go through phases but never big, unnecessary splurges!! x

[Lanzalover]

When the children were small I was a saver if hadn't been we wouldn't have had a holiday or been able to afford Christmas plus I had an emergency fund for any unexpected emergencies like big car repair bills etc.

But over the years that got lost along the way but have recently started started trying to save something for retirement.

I dread to think how much money we spend on holidays over the course of the year but we can afford it
and we get time to spend on  our own ( well most holidays ha ha) just relaxing and doing what we want to do when we want to do it without all the time restraints of home i.e. work, grandchildren, parents etc
DH said it's a trail run for retirement 😂

Lanzalover x

[jaypo]

Yeah,good on you Lanza,if you can afford it,life is for living and you must enjoy holidays etc
I struggled for years as a single mum,only lived by my means,nothing on credit cards as I knew how dangerous that can be but now?well,life is good and we can afford nice holidays and our lodge etc but I still calculate everything in Tesco to the last penny 😂

[CLKD]

B4 retirement DH kept a spread sheet  4 two years to see what we spent.  Then he worked out what savings we have and the Financial Advisor agreed - so we have good savings, our Shares have done well over the last 15 years and at the time of retirement:

1 27 year old female friend with a baby of 3 months died from a brain tumour
A male friend dropped dead aged 36
A male friend of 65 got senile dementia
Another had a serious road accident and is paralysed from the neck down 

So we went for it!  I live half a day at a time and try not to look too far ahead.  Mum has savings which she is using for her care home.  Once her property sells we will invest that on her behalf ........ we have enough behind us for private surgery if push comes to shove.  Otherwise we buy what we like as most of it is saleable. 

[littleminnie]

My NYs resolution- save more money.

Mine is have fun.  Life is too short and getting shorter.

Oh I totally agree.  I'm just going to cut down on things I actually don't need. 

[jaypo]

Yep,enjoy every day like it's your last,we spend too much on our holiday but we both love it so so much,that's our extravagance for the year

[Two hoots]

Same here holidays are our big expenditure, but we love going   

[jaypo]

Yeah and why not,we've another two booked too 

[CLKD]

'too much' is true if one has to go without necessities 

[jillydoll]

I'm vowing to stop spending on things I don't need. Ie...clothes, shoes ect..
My wardrobes are full to the brim already and I don't need half the stuff let alone wear them.

[sheila99]

Definitely a saver. I hate shopping which makes it so much easier  so I tend to buy only what I actually need. My definition of need may be a bit different though as it includes a horse and a dog  🐎
  I love travelling rather than luxury hotels so usually go somewhere I haven't been before, use cheap accomodation and spend the money on car hire and experiences. £12 to take the train from Cairo to Aswan, 800km. Wouldn't get far in the UK for that!

[CLKD]

I have to go the shops, get what I require then leave B4 anxiety sets in  so shoe shopping is fraught 

[sheila99]

Hadn't realised how bigger the dog is than horse  Looks as though it's going to eat it.

[getting_old]

I'm vowing to stop spending on things I don't need. Ie...clothes, shoes ect..
My wardrobes are full to the brim already and I don't need half the stuff let alone wear them.

This is my problem, however there's no one I want to leave any money to (all planned to go to charities) so why shouldn't we enjoy a few treats along the way. As the saying does "you can't take it with you". If we need care we can sell the house and it should cover a few years, then we'll probably be too out of it to care.

[jillydoll]

That's one way of looking at it Getting- Old....😆
We should set up a swap shop...😉