I feel better now....thank you all for your replies.
Im able to save, and proved this so many times, but its not consistent and from about two years, when we upgraded the kitchen, got a newer car, I could not see my savings good looking anymore...so just gave up a bit.
I always liked to set up goals. Got our cars, holidays twice a year, yearly heating, always for cash.
I have currently three piggy cans on my shelf
1. Heating 2. Summer 3. Credit Card, saved maybe about 3K so far.
I know one thing - I cannot hold cash on current account or up front of me.
As we got our mortgage just 5 years ago in older age, our life insurance, mortgage protection, house insurance is approx 170€ a month and I have to keep this in place. Diesel is 400€ a month for two cars...long distance to work.
My husband idea is to put 1.5K from his side and so I do same every month. We would have 3K for all expenses and extras and rest we could save. Too ideal...?
As I earn more, I can play and decide how to save
Would you put money into savings bank account, credit union, more shares, extra pension? Not sure here...
I will have to seat down and calculate all we spend.
We have a good life, but I wish myself to start to think more positive again and to look better financially for the future.
Thank you for ALL!
ALL the Best