I was brought up my parents to know the importance of having savings but sadly I haven't followed their example.
We have 2 young dc's, I work p/t, dh full time with average salaries. DH has a lot of debt from before I knew him which we have to pay a set amount each month, luckily we have an arrangement and all interest is frozen but it's still going to take years to get rid of.
Add to that the bills & general living costs we don't have lots left to save for a 'rainy day'.
There are things that need doing in our house & my car is starting to have more things go wrong as it's 12 years old. I'd like to be able to save for these things but can't see how it will be possible.
How do other families manage this?
I hear people talking about ISA's, savings & investments & feel really bad that we have nothing put by. Grateful for any advice.