To want to win the lottery?

[PoppingOneOutIn2020]

Light hearted threads but I've just played about 6 lines on the set for life lottery.

Were expecting our first baby and I just keep imagining how comfortable we would be of we had 10k a month every day for 30 years! Even the 10k a month for 1 year would be a dream. We're not well off in the slightest, were barely comfortable, DP more comfortable than I am and I always wonder what it's like to have disposable income and to not have to worry about money.

We cant all get what we want, but for £9 I may aswell try! 😁😯

What would you do with 10k a month for 30 years?!

I've just started to save premium bonds because we aren't well off enough to throw money away each week, but have enough to save a little. If I won big we would live life as normal, just a lot more comfortably.

Most days I take my 1yo for a nice long walk so she can nap and most of that time is spent visualizing a lottery win. I only need 1million, if be set for life on that it would last me. I like the new game it's a good idea. In honesty though if I was getting 10k a month I'd put 8 away and save it and live nicely off 2k a month. Im up north with little out goings though

Yes I'd still live a normal life, I'd hope!

But I'd love to plan a weekend for me, dp and baby (when he/she arrives) that didn't mean having the 'can we afford it conversation' and the 'we will have to wait until pay day' chats.

I want to give my child the childhood I didnt really have. My mum was divorced and didnt have a job, she couldnt afford to buy us a magazine when we went for a trip to the shops. I want to be able to treat my child, obviously try not to spoil them as life doesnt revolve around money, but it does make life easier if you actually have some!

@Redrupunzle I often day dream about winning the lottery when I drive past a nice cat on a forecourt, or if I cant sleep I think of how 1 million could pay off my mortgage and then I could split the rest into two accounts, one for baby with a good interest rate on it. One account for emergency savings.

God I daydream about it all the time.
Like a previous poster, whenever I'm out walking with my son I'm fantasising about it.

When I read news stories about people winning, I'm not happy for them, I hate them as I'm so jealous

DH and I had a little bicker the other day over who we would give money to if we won the lottery or premium bonds.
He thinks I'm way too generous, (I was talking about giving money to my parents old neighbour I've not seen for about 15 years)
I think he's too stingy, as he said he'd just give his parents and my parents a lump sum and then it would be up to them to pass on to siblings etc.

Yanbu.
I have played this fantasy in my head for many years now. I will have to win the jackpot for euromillions at at least £80 million winnings.
Because that's where I've spent up to in my mind.

This may be a silly questions, but what are premium bonds? Is it a UK thing? Is it something I should be doing?

I daydream about it a lot. I once went as far as to google dog-friendly cruises as I'd jump straight on a ship and sail off for a bit if I won.

And I only buy one lucky dip line for the lottery once a week. Can't even afford any more tickets

Winning the lottery would mean I can work 2 days a week and still have plenty of time to spend with my baby. As it is, I need to find another day's work to make ends meet properly. Otherwise there'll be no money for anything except mortgage, bills and food.

I'm so glad I'm not the only one who daydreams about it often! If I mention it to anyone I know I always get the 'money doesnt buy happiness' reaction. But tbh, most of my anxiety and depression stems from debt and money worries.. so I think that's slight bull-poo. But also agree it doesnt solve all your problems.. just alot of them.

Premium bonds are a Uk saving account with NS&I. I save £50 per month. You don't get interest, but are entered into a monthly prize draw, with prizes ranging from £25 to £1m. When you want your money back you take it out. Each £1 is a bond so a number in the draw, so I save 50 bonds per month.

I wonder if anyone on MN has every won big money on the lottery. I'd love to hear an experience (while wishing it was me!)

I often day dream about what I'd do with my winnings.
Odd really, as I haven't bought a lottery ticket since the first year when it all started

Premium Bonds are something backed by the government, that you buy (have to buy £100 now to start you off, but I think can then go up in smaller amounts). They are entered into a draw every month and one number wins £1million, but there are prizes all the way down to £25.
Then, when you need / want your money back, you can just cash them in and you still have your £100. So, in effect you get your entry to the prize draw for free every month, once you've bought the first lot.
Here

Premium bonds sounds great! I've never been a good saver but I think being entered into a draw would be a good incentive to start saving what I can.

I occasionally play and was lucky enough to win £5K. Nice little cash injection

@BustedDreams lucky bugger! Not life changing but I'd be over the moon with 5k!

I try not to daydream about it as I then get cross I'm not winning even though I haven't brought a ticket🙄

I'd fix every little niggley thing wrong in the house.
New car
personal trainer
Tummy tuck and maybe a boob lift because of all the weight I'd loose with the pt.
Bariatric cuddle bed for the hospice
Very posh house and run for the rabbits
Holidays- safari, Galapagos, Peru, Thailand, Iceland, New Zealand

I dream about it all the time!

We’re reasonably comfortable and I don’t think we’d massively change our lives at all but there’s something about the freedom of never having to worry about money that is so so appealing.

@PoppingOneOutIn2020 it was great! We don’t play often and around the same time won around £900 as well.

Haha no, I don’t personally but I think it’s very common!

How come your DP is more financially comfortable than you are when you’re having a baby together though, OP?

@chilliandriceisverynice
He earns more than me, by a fair bit. I have a good career (dental nurse) burning think because of the area we live in the wages aren't very high, that on top of mortgage and bill payments, car payments, phone bill ect leaves me with pretty much no disposable income. OH does help me out if I'm short and I pay him back every month so I dont get left in the gutter if I run out of money before the next payday. I just have to check my account everytime before o use my card. He doesnt lol.

I’ve always wanted to just live my life sailing around the mrs on my yacht. Different port every day. Never having to work again. Bliss.

PoppingOneOutIn2020

Are you not planning to find a way to make sure you’re not financially disadvantaged by being in what I assume is probably a nicer house than you’d have chosen if you were alone? What about when you go on maternity leave, will you have to ask him for money? Do you pay shared bills proportionate to income?

Sounds so stressful and although I’m in favour of separate bank accounts surely with a baby on the way you’re going to be a team. My OH will be earning a hell of a lot more than me when I go on maternity leave at the end of this year. We’ve agreed that rather than our usual set up where we both put a set amount into a shared account for bills and then keep the remainder in our sole accounts, we’ll flip it so our salaries go into the shared account and then we both remove an equal amount of what’s left for our sole spending and savings accounts.

It’s not our fault as women that we’re the ones who need time off to care for and birth a newborn, I don’t plan to be scrimping and saving while he continues to be comfortable. Sorry, feel free to ignore, I don’t want to derail! Just rang warning bells. Can’t imagine a better-off partner ‘loaning’ their partner money and then accepting repayment at the end of the month as an ongoing thing when it’s clear you’re struggling if you need loans.