Money Talks with Wafflemama

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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 Wafflemama. You can check out the Wafflemama website here.

Money Talks with Wafflemama

When did you start blogging?

I started blogging about 2.5 years ago, but started what I’d consider ‘proper blogging’ in April last year when I had to leave work due to ill health. It was a big leap but has been so so worth it.

What inspired your blog name?

My best Mum friend and I chat constantly, we gave each other the nicknames waffle and ramble and when it came to choosing a blog name I liked the idea of having that in there. As a family blogger the Mama bit kind of fit well and Wafflemama was born. I think that although it has Mama in the name it is a name I can really evolve into any direction.

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

This is a tough one, when I feel comfortable I am a real spender, but when I need to I can live on a shoestring and love saving money, having that little bit to fall back on. I guess I’m a bit of both in the sense that I’ll be sensible when I need to, but do enjoy the chance to spend when it comes around. Even when I ‘get spendy’ it’s still a Primark spree or anything I want in Poundland (HA!) I’m not one to go and pick up the lates Gucci handbag or something like that.

What is the best bargain you have ever purchased? 

Probably my house, a three bed semi which we managed to eventually get down from 145 to 92k with a little cash back. I love this house! On a smaller scale, I’d say a chest of drawers with wine rack from TK Maxx, it’s solid wood and lovely and was reduced over and over again from around £150  down to £22, I spotted the yellow stickers going out and made a run for it!

What is the biggest splurge you have ever made? 

I don’t really splurge apart from big things like the house and car. The most I’d splurge is probably on an item of clothing for £30 (which to most is cheap!) or the GHD’s I got when I was 18 with a student loan. Considering I’m 33 now I guess that’s a pretty good splurge history! I just can’t justify big spends, there is always something more important to spend money on. Boring huh?!

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

I’d pay off the remainder of our mortgage, pop the rest in savings and enjoy a few months of no money worries! Imagine that! I’d probably take the kids to the expensive new ice cream place for a treat too, just so we can say we’ve been.

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

Save more, spend less. Simple but true! If I’d known when we were both working full time how much things would change, I’d have saved a fortune every month to help us now.

What was the last item you purchased? 

A brand new Asda dress for my daughter from the charity shop for a whopping 99p!

Money Talks - Wafflemama

What is your favourite ever blog post? 

My favourite blog post was this one I wrote about anxiety. It felt so good getting those words out and making sure the right people saw it!

What is your biggest money regret? 

I’d have to pick two for this. One, having got a little inheritance when I was a kid (not loads but a couple of grand), I wish I’d never spent it and just stuck it away. I couldn’t tell you one thing I spent that on, it was such a waste! My other regret would be going for a cheap option when we first hired a builder. He ripped us off for thousands of pounds and it cost even more to get it all sorted by a proper company. That incident made us too skint for me to take proper maternity leave, I was so down working in a job I hated when I just wanted to be home. He got us in debt which is thankfully now cleared, aside from the loan for the repair work which we will be paying off for another 20 years on a low rate. I pretty much live buy the ‘you buy cheap you buy twice’ motto as it seems to ring true more and more!
You can find Wafflemama on Instagram, Twitter and Facebook. Check out the Wafflemama website if you are a fan of loving the little things in life.

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15 Responses

  1. L dove October 30, 2017 / 10:59 am

    This was so interesting! What a bargain that house was! I love reading about other people’s spending habits!

  2. Talya October 30, 2017 / 1:51 pm

    This is a really interesting series! I’m quite nosy and love to know people’s attitudes to money so this was an insightful read. Looking forward to more.

  3. Dean of Little Steps October 30, 2017 / 2:54 pm

    I’m really impressed that she managed to buy her house in a much lower fee than the asking price! 🙂 Lovely to find out more about other bloggers too 🙂

  4. Leona October 30, 2017 / 6:36 pm

    I think one of the things I want to teach my lo is the importance of savings as so many people regret this down the line

  5. Mrs Mary Ann Abbott October 30, 2017 / 7:43 pm

    Really interesting blog! You sound like you are really good with money x

  6. Hannah October 31, 2017 / 6:37 am

    Love these posts! I’m not a massive splurge either 🙂 I always love a bargain!

    • katykicker November 19, 2017 / 12:13 pm

      Thanks so much – glad you find them interesting!

  7. Helen Wills October 31, 2017 / 9:22 am

    Totally agree on the going back in time to save more. I’m really worried about pensions now. It never seems like something you want to spend on when you’re young, but there’s just not enough time to make it up once you’re older.

    • katykicker November 19, 2017 / 12:13 pm

      Well you can only do what you can can’t you – still a bit of a scary prospect!

  8. Kara October 31, 2017 / 12:06 pm

    Wow, your house was a really good buy – we are saving to move and it seems a never ending battle

    • katykicker November 19, 2017 / 12:14 pm

      Great buy wasn’t it – wish we could do that!

  9. Anosa November 2, 2017 / 7:59 am

    It is sad reading about builders ripping people off but it is a lesson in its own aint it, loved reading this post and will check out the others in the series

  10. Michelle Murray November 3, 2017 / 6:55 am

    Great post. I love finding out about people.

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