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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 Mummy To Dex. You can check out the Mummy To Dex website here.
When did you start blogging?
I started blogging at the end of September 2016, so nearly a year now!
What inspired your blog name?
The name of my blog came from my Instagram name which I changed to ‘mummytodex’ when Dexter was born. I think ‘dextersmum’ was taken!
What is your attitude to money – are you a spender or a saver?
I am definitely a saver and always have been. I am the complete opposite to my husband who likes to spend, spend, spend. While I was pregnant it was important to me to save at least £500 out of my wage every month so that we would have enough money for me to take the full 12 months off work. For the reason, we were still able to keep saving for our house deposit and pay off debts while I was on zero pay.
What is the best bargain you have ever purchased?
It was probably Dexter’s travel system which I got for £200 from ebay. It came from a pram shop in Chorley and was described as having a damaged box. However, when it arrived it was in perfect condition.
What is the biggest splurge you have ever made?
My car. I saved for half of it by putting £300 a month away when I was in my early twenties. I tied it up in a Stocks and Shares ISA for one year and made a nice profit from that. My parents then lent me the rest and I paid them off over the course of the following eight months by giving them £450 a month. It was tough but great to own my own brand new car.
If you had £100,000 right now what would you do with it?
I’d purchase a house. This is an absolute non brainer. We a still renting which infuriates me, but at the moment we have no choice due to my husband’s credit file. If we had a bigger deposit, then the issues he had would probably not affect us. It wouldn’t all go on the deposit though, I’d also like to splash out on a nice hot holidays for the three of us.
If you could go back 10 years & give yourself one piece of money related advice what would it be?
Stop smoking now and save yourself £30,000. You will have so much more money to spend on yourself and loads more savings behind you.
What was the last item you purchased?
A tank full of petrol for £55. I commute 26 miles a day so I like to have a full tank.
What is your favourite ever blog post?
What is your biggest money regret?
How much my husband and I spent on smoking over the years. It will have run into tens of thousands of pounds. I really regret that and it’s my biggest fear that one of us will start again. I have an app on my phone that reminds me how well we are both doing and how much we have saved so far.
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