Other way round for me; I want to get debts cleared off ASAP whereas she is constantly buying things (not 'big' things, just dozens of little stuff like kitchenware, way too much food, magazines, overpriced bottles of pop, stationary that never gets used, dvds and cds that stay shrink-wrapped for years etc etc).
I wouldn't mind so much if it didn't mean that I end up having to stump up the cash out of my savings when we are paying for something big like kitchen appliances, holidays, new house etc. She must be wasting at least a grand a year on tat, and that's not counting all the unnecessary direct debts like phone insurance, premium bank account, gym membership that's used once every few months etc.
However in your situation you hold most of the cards, as you are earning £3k/month more than her. Assuming you've always gone halves on things in the past (i.e. she's not stumped up a massive deposit or anything), then I think you are within your rights to spend some of your extra cash. If she is paying £1.7k/month towards mortgages, then as long as you are paying at least as much, she can have no complaints.
Precisely, I see a lot of that sort of attitude from people "don't worry about the future, by the time you own your house your life will be officially over, you will be a geriatric sitting at home in your mansion paying scrabble". There seems to be some rule that anyone over the age of 30 isn't allowed to leave the country or have any fun!
It also can help if you are going to make a family; in theory we should be mortgage free by the time we are 35, which means that should we decide to have children, at least we might be able to afford to give them a decent upbringing.
I wouldn't mind so much if it didn't mean that I end up having to stump up the cash out of my savings when we are paying for something big like kitchen appliances, holidays, new house etc. She must be wasting at least a grand a year on tat, and that's not counting all the unnecessary direct debts like phone insurance, premium bank account, gym membership that's used once every few months etc.
However in your situation you hold most of the cards, as you are earning £3k/month more than her. Assuming you've always gone halves on things in the past (i.e. she's not stumped up a massive deposit or anything), then I think you are within your rights to spend some of your extra cash. If she is paying £1.7k/month towards mortgages, then as long as you are paying at least as much, she can have no complaints.
I'm 28, she's 25. If I don't screw up and keep knuckling down and save, we can be mortgage and rent free by the time I'm 31 and her 28. Imagine how much money we can have to spend then and how much traveling we can do
Hardly past our prime.
Precisely, I see a lot of that sort of attitude from people "don't worry about the future, by the time you own your house your life will be officially over, you will be a geriatric sitting at home in your mansion paying scrabble". There seems to be some rule that anyone over the age of 30 isn't allowed to leave the country or have any fun!
It also can help if you are going to make a family; in theory we should be mortgage free by the time we are 35, which means that should we decide to have children, at least we might be able to afford to give them a decent upbringing.
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Then she will have sex with you for caving in.
