Monday, 25 November 2013

Saver or Splurger?

Lately I have been thinking a lot about my financial security. I am a single parent with not a lot of spare cash and I am trying to find a way to utilize every penny I can and start teaching my children about savings and being responsible with money. One of the ways that you can do this is with an ISA and currently I am trying to work out the options for ISA's

I still think that even thinking about something like an ISA means I am a “grown up” and I can’t be alone in feeling as if “saving” is something that your parents would do and not you.

I feel as if it is a responsibility, like a puppy you get as a present, and now you have to take care of it,  feed it and nourish it so that it grows.

I can’t even take responsibility for a pot plant. I am just not ready.

Saving seems so grown up, what if I take on an ISA and we just don’t get along? It rebels and runs away?  Or  worse, it hates me?

SEE? Perhaps I should start with a piggy bank or something?

But in all seriousness, I do worry about my future and think that now is the time to step up and start putting money away for a rainy day, and even start thinking about ISAs for my children, so that perhaps they do not feel the same way about their financial security in the future as I do. It would be kind of nice to think that I am taking responsibility for the financial future of my children not only in monetary terms but also by teaching them to be financially responsible.

I wish I could be the sort of person that doesn’t worry about the future, but perhaps that is part of the problem we as a society find ourselves facing right now. We have to start thinking of ourselves in the future and stop thinking that there is always going to be someone or something out there that will look after us  in our old age. More and more people these days are finding out that that is simply not true anymore.

But what about you? Are you a saver or a splurger? Do you put off thinking about the future as “something will come up”? Or were you taught at an early age to be financially responsible?

Let me know.

Big Fashionista x x x

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1 comment

  1. I completely agree with this as a single parent!!! Recently I have been thinking exactly the same, but I just can't decide if i'm ready to commit to anything let alone an ISA!!!
    This month I have began really watching what i spend from the weekly shop to extra treats, I am constantly worrying if its necessary!
    Hannah xo


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