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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

To just want a long and self indulgent moan about money

8 replies

Elanrode · 14/12/2016 07:32

It really is self indulgent because I'm in a far more fortunate position than many. I am property rich and cash poor.

Sadly, right now I am VERY cash poor! After a long illness it took a while getting on my feet. I am now working full time and at weekends too but I've got a few more weeks to work through before coming out the other side, although I won't be rich.

Meanwhile, I feel jealous of some friends who own beautiful country cottages and are enjoying all the perks of Christmas: meanwhile until Friday I can't even afford a mince pie!

It's stressful but also so very lonely in a bizarre way so just sharing the love as it were!

OP posts:

ClopySow · 14/12/2016 07:42

It's shit, it is. I had a few months on the bones of my arse back there for a while.

There's light at the end of the tunnel though, right? You'll get there.

And mince pies are a bit rubbish any way.

Foslady · 14/12/2016 07:46

Know wxacywhat you mean - didn't help much to find out bout a massive pay discrepancy this week between me and the bloke who also does the job I do.....which would mean the end of Tax Credits if we were paid the same..... I know I am fortunate compared to others, but I'' tired, worn down and everyone else's idea of struggling at Christmas is far removed from mine. All I'd want to to not have to worry and stress - guess I'm not getting my wish this year

Original poster

Elanrode · 14/12/2016 07:53

It's so hard, isn't it! Especially when sometimes it's not quite 'bones of your bum' and I am lucky to have a home and clothes and so on but I do work really hard but rarely seen to get the benefits of that hard work!

Maybe the truth is you need a very high income or to be in a couple nowadays: one person earning a good but not great income is expensive.

OP posts:

OhTheRoses · 14/12/2016 07:57

Could you reorganise things when this difficult time is over. Perhaps buy a more modest property. Hope it turns soon for you x

Original poster

Elanrode · 14/12/2016 08:01

Haha my property is a one bed flat! No it's not as dire as all that and I'm loath to give up property as its the one reliable form of income and savings I do have but just hit a tricky spot x

OP posts:

AndShesGone · 14/12/2016 08:02

I'm hoping my tale will make you feel better as it's literally the exact opposite to yours OP.

I was supposed to complete on a flat before Christmas so have a whopping deposit (over 200k!) from our sale in the bank (moved into rented). It's not going to happen now but I'm too scared to spend anything of it AT ALL as I keep having nightmares about there not being enough to buy it!

Not helped by 1. 'estimates' of costs from the solicitor of over 30k and 2. The fact that now I can't move the boxes myself over Christmas gradually in a car with dhs help leaving only the huge furniture to move which would have saved us over 2k in removals (as the move will now happen in term time we can't get any time off so will now have to pay the removals to do it - and last time only 8 weeks ago it was nearly 3k!)

A recent email from the other solicitor talking about variable maintenance and lease costs that may be as little as £100 but as they're waiting on a roof report it could be £5k

So for the last two weeks as we got closer to the deadline I've wakened up in a cold sweat shivering and terrified.

The money is so tight for us to be able to put the deposit down and have enough to pay the solicitors that I've bought literally nothing. I'm sat with the heating off eating soup from the corner shop Isn't that insane?

So literally the exact opposite to yours. Huge amount of cash in the bank, sitting in an awful rental with mound everywhere eating soup with the heating off. Not able to rely on any figures from the solicitor as it's so close money wise.

SillySongsWithLarry · 14/12/2016 08:08

I'm in the same place as you. I own a small 2 bed flat above a block of shops that we all live in not far from London and by virtue of just living in it we are on paper in a very good position. Day to day we struggle though. The bills are paid and everyone is fed and clothed but there isn't much left over.

Tryingtostayyoung · 14/12/2016 08:09

OP I feel your pain. Sometimes I feel bad moaning because we have so much compared to others and are very lucky in that respect. We have a lovely home with a not so high mortgage to pay, nice cars, food in the cupboard and clothes on our backs BUT due to some bad unexpecteced finances we have nothing spare at the moment. We've had some work gone wrong at our home, both cars have needed doing this month and that on top of everything that comes in December for us (Christmas, both car insurances and contents renewal) has crippled us. I'm ashamed to say I have £14 in my account to last until payday as I refuse to take anything more out of our steadily declining savings.

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