To ask how much savings you have

[mrsshears]

nosey old bag emoction

I've got 20k saved and no debt / mortgage; DP and I rent currently. DP has around £150k saved. Obviously as he is my DP and not my DH, I can't get my grubby mitts on that so it doesn't count really. I get paid v well but have always been appalling with money. I should have a lot more saved considering my earnings. I try and console myself about my spending habits with the fact that I don't have any debt.

Tut Morloth throwing money down the toilet!

haha cocoflower but it really has to be andrex aloe vera...

I do find the richest people I know in RL

Have come from quite poor backgrounds

and/or

Never spend a penny or go out of their way to save a quid!

ViviPru

Everyone knows Andrex limited edition- those ones with stars on are so cute... and yes pointless... but cute!

DH and I have about 7-8 months joint income as savings, about £75k. His share of that comes from being a good saver, my share mainly from redundancy money. We did have more but we got married in June so a chunk of savings disappeared on one special day!
Our rate of savings will drop once DD arrives at Xmas & I'm on ML then paying nursery fees...not sure that idea has struck DH yet though

well coco that's testament to my predisposition to lazily reorder all my favourites on the bigshop. Imagine what lav paper delights I must be missing out on!

I loved that Shea Butter one in the UK.

Does it help that I buy DH and the boys cheap toilet paper? I hide the good stuff in the cleaning cupboard, as I am the only person to ever actually open the cleaning cupboard I feel this is fair.

About £35k - £15k mortgage deposit savings, £10k living allowance in case I struggle to find mindees/new job, 5k emergency fund (I rent and dont have car, so dont need much emergency fund!) Another £5k-ish for non-monthly expenses like oil, gifts, clothes, glasses, holiday etc

No pension yet but Im taking a basic course in investing so hoping Ill be able to make some informed decisions about investing before I turn 28 (next summer)

Saved before she went on benefits or while on them?!

PMSL at Morloth hiding the nice toilet paper in the cleaning cupboard
I've found a new place for the chocolate

can I ask what kind of things you call good luck/choices?

I buy DH and the boys cheap toilet paper? I hide the good stuff in the cleaning cupboard haha brilliant!

I stashed the Kérastase in the cleaning cupboard the other day when we had a huge party with loads of friends and family staying over. They wouldn't have fully appreciated the Aqua-Ionic Hydrophobic Film System I'm sure.

p.s. I buy salon-size Kérastase online - works out to be very cost-effective (while we're on the topic of frugality)

60k, just spent 30k on an extension. Own about £350+ of houses with no mortgages as well. Could sell £180ks worth if we wanted to.

I'm 35, DH 37 and we're both VERY frugal.

I have 11k and will get a further £1-2 k in shares in two years time. I also pay a fair wack into a pension. My savings represent nearly 3/4 of my salary after tax. Savings are from inheritance though.

we should have more savings but have paid for childcare for the last maybe 7 years (quite a horrific amount) a lot of the time it was more than I earned
then I lost my job last year (no redundancy unfortunately, that would have sweetened the blow a bit I guess)

however no amount of savings could match my 2 bestest childhood friends I think both married guys who earn megabucks (I wish I had thought of that)

ilovedjasondonovan

Do you mind me asking if you have kids & how many? (no snidey subtext - just genuinely curious) Would you say that your healthy financial position is primarily down to frugality?

I'm very frugal too but do like the odd treat/night out/holiday etc but no sky and all that stuff
my phone cost £10 (I'm proud of my phone) I can't believe how much we all think is normal to spend on phones, internet, Tv etc!

"I loved that Shea Butter one in the UK"

Hey we just got that (it was special offer you will be pleased!).

The colour is just too weird for me though!

I am however very of those living mortgage free I'm always surprised how many on mumsnet are (and somewhat scared to find out)
I would however like to be able to afford a house first

I think being born into a loving family who valued education and always feeling like I could do anything i set my mind to. Meeting DH so early and being so similar with our plans (we met when I was 16), being healthy, born pretty intelligent, in a first world country, these things are all luck.

Choosing DH, taking the right job offers, grabbing any opportunity that came our way, having children after getting our feet under us, but still young due to having met early, buying then selling a house at just the right moment due to being able to make fairly good guesses, not wasting money on 'stuff' etc, these are good calls.

Yes we work hard (well DH does at the moment I mostly eat hon bond and MN) but lots of people work harder and don't get anywhere. We are both pretty clever but I wouldn't say brilliant so you have to acknowledge an element of luck.

We always seem to land on our feet.

p.s. I buy salon-size Kérastase online - works out to be very cost-effective (while we're on the topic of frugality)
WHAT WEBSITE?

anyway, about £19K, very frugal me

big interest only mortgage tho

I concede your point about luck. But your attitude ensures you always land on your feet, I reckon, morloth.