The drawbacks of being 'sensible'

[CJRamze]

If I was going to be super sensible I'd probably go New FR that warrenty and new car and new engine will last you another 13 years.

 

[Benji]

You've done the right thing getting a house first, we had secured a DIP for good mortgage in 2008 and it all fell through. Along came our first kid and plans of our own house went out the window.

Rented for 5 years, changed cars each year and decided not to bother. Leon is cheap to buy/run so I'll hang onto that and save for a year then mortgage time.

Speak to Human Resources in work and question how they've benchmarked your job, it's a valid question to ask and they'll think you've sought professional advice - it may force them to reconsider your package if you are of value to the business or have a specific skillset as it'll raise your risk of leaving. (I work in Human Resources, have done for a few years now)

I've read a newspaper article on "how to get a pay rise" or technically, how to word a letter in order to be in a good position to get a pay rise, I've followed a few key points from that in my letter and will finish it off this week and see what happens. I've basically explained what I do with a view of people being treated correctly and fairly incentivised, in a positive manner.

Nobody has the ideal solution but here's what I would do in your situation.

1. Keep your current car until it is uneconomic to repair, you could change it but unless you buy something new or nearly new you can never know a car's history - how it's been driven, treated etc etc.

2. Book two weeks off at work, there must be things you want to do around your house - and if you want to press the point at work then what better way of doing it than leaving them without your valuable services...

3. Keep an eye out for 'odd jobs'. When I was out of work I delivered yellow pages. I guess I probably did two days worth of work over the course of a week and I got £100 for it (no tax). You could do an hour or two in the evenings.

4. Have a clear out, do a car boot sale, log on to music magpie etc etc. Then have a think about investing the money you make. Take some proper advice but there are loads of options. ISAs, Premium Bonds

Sound advice. I am making as many cut backs as possible too, for example. I play football on Mondays and Thursdays, by not playing on Mondays I save £10 a week which is £40 a month. Plus the petrol cost.

I've also thought about doing some car washing at my uncles garden center, would cost nothing to do as he would appreciate the extra incentive for customers to visit.
Could pocket some extra cash at £5 wash & dry and £10 wash, dry and Hoover.

 

[jmc1976]

I just like a lot of people have had very good times and very bad times, from having nothing and having to sell my car and not having a job and nearly losing my home, to things getting considerably better the **** happens and i got made redundant and had to sell my pride and joy again and ended up being down 16k a year on what i earned in 2010 ,but things are on the up i bought a new car last year and took my family on holiday last week .
What i am trying to say is **** happens and family and home comes first ,pleasures second . Stick with it and work hard and things will get better in the end and if you have a loving happy family then you are the richest person in the world ,
This is my opinion anyway good luck.

 

[robdf2]

I just like a lot of people have had very good times and very bad times, from having nothing and having to sell my car and not having a job and nearly losing my home, to things getting considerably better the **** happens and i got made redundant and had to sell my pride and joy again and ended up being down 16k a year on what i earned in 2010 ,but things are on the up i bought a new car last year and took my family on holiday last week .
What i am trying to say is **** happens and family and home comes first ,pleasures second . Stick with it and work hard and things will get better in the end and if you have a loving happy family then you are the richest person in the world ,
This is my opinion anyway good luck.

Most sensible post here

 

[kazand]

most sensible post here

+1

 

[Benji]

I just like a lot of people have had very good times and very bad times, from having nothing and having to sell my car and not having a job and nearly losing my home, to things getting considerably better the **** happens and i got made redundant and had to sell my pride and joy again and ended up being down 16k a year on what i earned in 2010 ,but things are on the up i bought a new car last year and took my family on holiday last week .
What i am trying to say is **** happens and family and home comes first ,pleasures second . Stick with it and work hard and things will get better in the end and if you have a loving happy family then you are the richest person in the world ,
This is my opinion anyway good luck.

I will look back at this when I need some inspiration. Great post, thanks jmc!

 

[majesty78]

May I ask what your job is?

Do you actually see chances that you raise up from your current position to make better earnings in the company you are currently working at?

Or do you more see yourself as a infinte 1200GBP income lad?

In many terms I go conform with jmc1976, I was in the same situations, having no cash to even buy some food at midlle of month long time ago, luckywise I had no family or such to take care about, even the richest man in terms of emotions can't pay with some "feelings" at Tesco....

So maybe just sit back once, and make yourself an overview in which position you see youself in short term/ mid term / long term and if you then will still be able to afford your life and the care for your house/car and possibly children....

Or just give a fxxk because financial system is gonna colapse worldwide soon anyway *lol*