Money Talks with Arthurwears

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Every Thursday I will be bringing you another instalment of my guest series, Money Talks. I’ll be featuring bloggers from all walks of life giving their answers to money related questions. Hopefully you will find a new blog to read and learn more about other people online. Money Talks will be live every Thursday and I’ve got some absolutely fantastic bloggers taking part! Hope you enjoy it. If you’re a blogger and want to take part then get in touch. This weeks instalment features Arthurwears. You can check out the Arthurwears website here.

Money Talks with Arthurwears

When did you start blogging?

After giving birth to Arthur I found myself struggling during my maternity leave with the idea of just being a mummy. Being at home on my own was hard and I felt very isolated at times. I had lots of ideas for early years activities with children that ordinarily I would have used with my class at work, and I also wanted to keep my family (who all live far away) up to date with Arthur. I needed some form of distraction, challenge and sense of achievement aside from my day to day parenting duties and so I set up my blog – Arthurwears – which started out as a way of recording bits about Arthur and his outfits and a few posts on learning through play. I didn’t really know anything about the blogging world (outside of my class blog at school) and I certainly didn’t expect that other people would be interested in what I had to say.

What inspired your blog name?

My little boy, Arthur. I used to take daily photos of his outfits and activities and send the links to my family to look at. At the time, ‘Arthurwears’ felt like an appropriate name. Now my blog has evolved a little it could be seen as a niche name which doesn’t really reflect my content but I’ve come to love the name regardless of its original meaning.

What is your attitude to money – are you a spender or a saver?

I am a saver, 100%. Growing up, every year on my birthday my auntie would send me a cheque for £10 and I always put it straight into my account and left it there. When I did my GCSE’s my late Grandad told me that he would give me £10 for every A grade (thinking I’d get one or two) I ended up getting 12 A’s, and similar for my A levels, 5 A’s. The money went straight into my ISA and I never touched it until 2013 when I put a deposit down on my first house. I now see my home as something that my family helped me to buy, just because of that money which I chose to save. I have always had a saving target every month when I was working so that I can work towards buying the next big thing we need.

What is the best bargain you have ever purchased?

We live in a ridiculously expensive area, so although my house is not really a lot of bang for your buck compared to most places, we bought it ‘off plan’ so it’s value increased a lot in the first year.

Apart from that, I’m the biggest bargain hunter – most things I buy are in the sale or reduced and so feel like a bargain. I rarely buy a thing unless I feel I’ve got a good deal.

What is the biggest splurge you have ever made?

In normal everyday life, my worst spending habit is makeup – mainly bareMinerals. If I splurge on anything it is that because I am a bit obsessed!! I love makeup, but I also love the natural look and products that are good for your skin so it feels worth it for me.

Most expensive splurge however is the playroom extension we are currently having built on the back of our house. Clearly, it’s not a necessity and it is a huge amount of money for a tiny space, but I’ve always dreamed of having a home with a playroom for my children and so we finally took the plunge. It’s  almost finished and I can’t wait to kit it out….again, this goes back to another passion of mine (aside from makeup!) which is early years learning through play. I think it’s worth spending money on things you are passionate about if it brings you a bit of joy!

If you had £100,000 right now what would you do with it?

This is where my sensible, saving head takes over. I’d totally see how much I could put into my mortgage without getting a penalty in order to reduce that as much as possible and then I would probably invest whatever is left …. once we had bought a new, bigger car. My husband would absolutely try to convince me we needed a Range Rover which is his dream…that will probably one day be our biggest splurge because he has always been so desperate for one and we are way, way off ever being able to afford one.

If you could go back 10 years & give yourself one piece of money related advice what would it be?

Well obviously I’d be stupid not to find out which company shares grew the most and ‘advise’ myself to invest lol!
General advice would actually be to ease up a tiny bit on the saving and make sure I had some nice things and experiences too. I always knew I wouldn’t have anyone to hand stuff to me on a plate and so always felt I needed a safety net for myself for when times got tough (and they did during the recession when I lost my job due to liquidation)….but now I’m in my 30’s with 2 children I look back and think, yeah, I really could have had a bit more fun instead of worrying so much about money. I’m not sure I got the balance right. I doubt I’d listen if I went back and told myself that though!

What was the last item you purchased?

I ordered some more bareMinerals makeup in the sale a couple of days ago! Honestly so exited about it arriving. I’ve decided that makeup is the same sort of therapy as art…with your face as the canvas. It’s good for me.

What is your favourite ever blog post?

This poem I wrote for Mummies who are going back to work after maternity leave. Poetry is another bit of therapy for me but I’ve only ever published one on my blog and I think I’m most proud of this one.

What is your biggest money regret?

I wish I’d taken a risk and got on the property ladder sooner. I waited for the perfect time and the house I wanted and spent SO much money renting whilst I saved enough. We lived in some awful places whilst we saved. I could have made more money by getting something small earlier on and then making a profit.
I’ve never done anything I shouldn’t have done with money because I’m so careful with it so this is really as far as my regrets go! Boring, but true. I don’t spend what I don’t have….and most of the time I dont spend what I do have either lol!!
 You can find Arthurwears on Facebook, Twitter, Instagram, Pinterest and Youtube.

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Money talks with Arthurwears. A look at the money habits of fellow bloggers.

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