I thought we were doing well but DH told me we are almost broke.
We are mid 40s & 2 kids in primary school.
Joint gross income is £68k.
We have £190k outstanding on the mortgage on a house worth £525k
We have about £15k in savings and DH has £10 company shares. The children have about £5k each in their ISAs.
i thought we were in a much better financial position. DH has always been a saver whilst I have been a spender. He handed me 6 months' credit card statements and there were just 100s of pointless transactions: coffee, pret, McDonald's, cinema trips costing £50 a piece.
DH doesn't talk to me about our finances because it usually ends in bickering. I was hoping to move to a larger house as our current one is too small but £525k gets you nothing in London.
what can i do to improve our finance situation