to get sick of living for tomorrow rather than today

[CarrieDaBabi]

just get fed up with saving money,over paying morgage etc.
its bloody boring

just sold something i didn't need or want anymore on ebay for 200 quid, we where talking about what shall we do with it.
dh said overpay the morgage

we already over pay by 150 a month, you can overpay by 500.

i'm just sick of being boring and sensible so much.
ok we will pay the morgage off early etc
but we will still be older, dd will have grown up and left home and we will miss out imo, if you save too much.

YANBU

Spend it. Honestly. I spent the last weekend sorting out my dad's estate - he died in the summer. My mum and dad spent all their lives hardly spending anything on themselves, terrified of being in debt, saving for their old age. He left an estate which, whilst not a fortune, is more than enough to look after my mum for the next twenty years.

BUT, my mum now has dementia. She's in a nursing home, and will be for the rest of her life. She gets no benefit at all from all their scrimping and saving; if my dad had left nothing, her fees would be paid in full anyway. My dad would have loved to have gone on holiday more, travelled a bit. He didn't, he just saved.

You're already overpaying on the mortgage. Spend the extra £200. Don't let your DC's be in the position of knowing that they had the loveliest parents in the world, and that those lovely parents saved and worried about money all their lives, instead of living and enjoying themselves whilst they could.

LeQueen so does Dh now, though it's early days so we have the sheer grunt with minimal income again, hey ho.

(And yep I get bthe hours thing, DH is rettraining atm and with that and the work he's putting in days right now of 6am until 11pm. Has to be done of course)

totally agree with GerbilM - I have lost track of the amount of sensible people who save until their 50's - mortgage paid off but they suffer ill health or worse and cant enjoy the benefit. sadly, house being sold to pay for care is an increasing reality too for our ageing population. we sold our house a while ago (luckily have another accommodation option which we dont own) and I feel so incredibly free after 15 odd years of mortgage payments. people are always incredulous - 'what, you dont own a house' and look at us as if we are mad but we travel all over the world, I dont have to work if i dont want to (work pt through choice) and have the choice to send ds to private school, shop where we want etc.
I am not saying this to crow - unfortunately I have had the experience of several friends and colleagues who have died in their 50's/60's (quite often having worked extremely hard throughout their lives to save) and this has had an impact on us as you can see. live for today as you dont know what tomorrow will bring.....

Press the 'fuck it' button.

just realised a bit gloomy on my last entry - go spend!!

morriszapp...where did the overpayments on your mortgage go to then ????

It's highly unlikely anyone of our generation will die in their 50's so a balance between saving and spending has to be found.
I just haven't worked out where to put those savings when the house is falling in value, shares are attracting CGT and pensions/managed funds seem to involve me paying fees and them throwing my money down the drain.

our overpayments ( a distant memory now...) meant that we could take a payment break if we wanted to and brought the monthly payments down. But spend some. I think financial stuff is a bit like dieting. If you obsess too much about it you're more likely to blow it all.

I live for today. My mother spent my entire childhood living for tomorrow, saving up, planning next year or not doing things she wanted in case it didnt work out but then died at 42 before tomorrow had even come.

I do what makes me happy now and trust it will work out - so far it always has!. If I made £200 from selling something, unless i was really short of money for the basics I would probably either buy soemthing fun or go out on a few day trips .

MillyMollyMoo my mother only died 8 years ago so although it is depressing it is not unheard of for people to die quite young!

You have to get the right balance. It is definitely healthier to live for today - to some extent (whilst making some provision for tomorrow!)

MMM - my nephew died of natural causes in his 20's and a friend is currently terminal (30's) so sadly, shit happens.

mortgage overpayment info

I'm not saying it can't happen, anyone one of us could be hit by a bus tomorrow.
But we've had a government who thought they were worth it and spent our children's taxes before they have been born and look where thats got us. There has to be a balance between treats and an "oh fuck fund" as I like to call it.

tethersend -- ha ha on "press the fuck it button"

love that

That is such nonsense, Milly. My sister also died of natural causes at 23- my mother and several of my friends parents have cancer in their late 50s. I don't put off things I want to do.

Why is it nonsense? You are statistically very unlikely to die tomorrow. Life expectancy in the UK is 70+.

I agree that you have to strike a balance between having a life now and not ending up destitute later.

eg if I do get cancer in my 50's I want to be able to afford private treatment.

Flippin Heck!! This is getting a bit heavy. The OP only has £200 and wondering whether to be a bit frivolous (sp) or not and we are talking about doom and death and dementia!!!