Mog and Chips

Because if I can write it all out and read it later, I might reach somewhere Also, my photoshopping is going horribly horribly wrong and I need a break.

I like money in my bank account. I’d rather have £1000 and have it, than spend it on something. Money means security, security means safety. And in that safety I find comfort.

I suppose that’s quite difficult when it comes to mortgages and such. I think I’d rather rent than buy with a mortgage, if only because it’s a huge amount of money that is in someone else’s hands all at once and could go horribly, horribly wrong. On the other hand once you have your mortgage, you could have PPI if you get sick/injured, whereas with rent you just get kicked out when you can’t pay

And at what point does this saving stop? Would one year’s wages be ideal place? Two? Would I just keep on saving say, 10-20% per month forever?

I think I’d like to save as much as possibly until I get to such-and-such amount, and at that point maybe only save 5-10% every month, which can be spend on holidays and suchlike.

Security and stability mean much more to me than having or doing loads of stuff - my job satisfaction is from knowing I’m needed at my job and knowing that I have this security. I suppose if I had a job I didn’t like I’d need to have something else to replace the feeling that I’m actually useful and important in some way.

I like having a big (positive :p) numbers in my bank account, and on my payslip. I get depressed otherwise.

And here we have a massive clash of opinion.

I need this security of having a cushion of money in the bank account in case something happens. Otherwise I’ll become depressed - I’ll starve myself to attain it, like I did last year. I’ll budget everything to the exact so I can tuck away everything that isn’t used to somewhere I can’t waste it, and then I’ll get that proud fuzzy feeling when I’m under budget, and I’ll add all those under-budgets up and then buy something with that. It’s not like I’d still be buying tesco value if I were a millionaire, but as a student and soon as a young professional money will be tight and I’d be vulnerable to anything happening at all.

This makes joint decisions difficult.

I suppose the short way of putting it is; on one hand, our money is our own. On the other, we are dependant on each other.

In the first case, it allows privacy, but theoretically it also allows for things to go downhill for one, and the other ends up paying for it.

In the second, nerves get frayed because there is no privacy. Each needs a certain amount of ‘me’ money but that amount must be agreed upon by both parties.

…The thing that’s sparked this minddump is talk about future plans, where we plan to move to somewhere where our money will buy more. Therefore it makes sense to me to save while we’re here, and then that saving will go double the way when we get there and, say, put a deposit onto a house in America or Canada where the minimum wage is lower. Not to save to an extreme, just to put off the luxuries until we get there.

…The other thing, is that we’ve literally run out of money and I’ve had to drag it out of sum that was meant to go into other things. £300 of that was avoidable; there’s nothing that can be done about that than learn from it, but it still irks me. And now that I don’t even have that buffer, I’m very, very uncomfortable.

Getting that money is going to be very, very awkward because I need to ring parents to make sure cashing the cheque I’ve been saving for a while isn’t going to throw their finances out, and they’re going to ask why I’m cashing it now.

They made me promise that whatever money they gave me would be going to me, and I can understand entirely why a parent would do that - I would say the same if I had a kid.

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