Saving for the rainy day...

..but how do you know when it's a rainy day?

Most of my readers are careful, frugal and thrifty, and save bits and bobs - money into a savings account, extra tins in the cupboard or ends of wool to make into winter socks.

In many instances we save because we have been near the breadline and never want to go there again.  

Everybody that saves is sensible - there's a statement!!

But many people manage the 'rainy days' without touching the savings, or the store cupboard.

With the Lockdown this year and folks not doing lots of spending, many people have managed to save a little more money than they would usually; while others have been hit massively by redundancies, by workplaces not being open, by no work being available to them.

So when is it a rainy day, and how far should we let it 'rain' for until we spend some of that rainy day fund.

It can be tempting to spend a little here and there to cheer ourselves up when times are low.  

Personally I get tempted to 'spoil' other people as it makes me feel better.

Today, for example, we wanted to shop for some cheese as the grandkids were coming for lunch.  I masked up and went into the shop for cheese, and came out with:

• a newspaper for Man Wonderful ( he doesn't get treated much )
• a comic for each Grandkid (can't remember the last time I bought them one)
• some tins of pepsi max and a magazine for Gorgeous Daughter (same as above)
• a multi-pack of crisps for Grandkids to have a few beside their cheese and salad sarnies (couldn't resist)
• some reduced-price teabags, simply because they were reduced price and still in date. (this was quite a sensible purchase)

Ahem!!

It's also been little lad's birthday this week, although we do save all year in an online pot for birthdays and Christmas. 

So what constitutes a rainy day?

Car problems?  

Leaky roof?

Boiler not making hot water anymore?

or

A holiday

A Wedding

A new coat?

So is a rainy day for wants or needs?

Your thoughts, as always, are welcomed.

Tracey xx

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