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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

to be stressing about money before house purchase

29 replies

asnugglysnerd · 05/02/2019 11:53

Even though I know there are worse things than being worried about finances...

Buying a new house. Big mortgage. Have been doing all of the household expenses... I have accounted for everything I can think of... mortgage, bills, council tax, tv licence, phone bills, national trust, spotify, cars, gym, pet insurance, pet food, loan payment, savings, slimming world, food etc... the list goes on...

Life insurance and critical illness are a pain... I think I will be paying a lot as I am a couple of stone heavier than I should be (trying to lose weight) but also have PCOS and have in the past, been diagnosed for anxiety and given anti anxiety meds... no idea what I should budget for this...

After everything, it looks like we will be left with approx £400 a month.... This is really stressing me out and I am well aware there are people who have less than this, but I haven't ever needed to budget and be really aware of my spending before...

I am not really sure what my AIBU is... but is it normal to worry and have a bit of a freak out?!?! Do you think £400 is okay to be left with after everything has been paid for?!

OP posts:
thecatsthecats · 05/02/2019 14:08

I agree with others that you are comfortable, but I get where you're coming from about money worries.

I am on a great salary, and so is my husband (100k between us, FFS), but ever since we took on a (completely manageable) mortgage, I have had a little fret about it.

I have no idea why. I didn't worry when I was earning 15k and renting alone, nor when I was on benefits living with my parents.

I think it's something to do with having a financial plan literally unto death. Now it's, 'am I overpaying the mortgage enough?', 'Is enough going in my pension?' and fretting that I 'only' have £1k in savings aside from 'only' a joint £8k between us.

In caps for emphasis - I AM AWARE THIS IS RIDICULOUS - but it's a strange phase to go through for me. I think it mostly boils down to being ok at making a plan for so much money, but losing sight of how I did perfectly well without it before.

Jackshouse · 05/02/2019 14:13

£400 after savings then you will be fine!

Jackshouse · 05/02/2019 14:14

And if needs be there are loads of things on your list that you can cut out.

flamingofridays · 05/02/2019 14:30

Oh you save £300 and still have £400 left, you have waaaay more than us!

youll be fine.

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