Monday, 21 January 2013

Roll on Feb! Money musings

Battening down the hatches after xmas. I have bills that need paying. French lessons and a car maintenance bill for £90.

I am itching to get my finances in order and start again after xmas. The last of the credit card bill is to be paid in Feb so we have a clean sheet sort of.

Future wise we wait for the all powerful MOD to make its decisions and cast up its offerings to Biggles. He is past the half way mark so moving on rears its head.

We have things we all want to do and make plans for but we wait.

All depends on his next report and what the MOD offer him. He wants to see if he will be recommended for promotion or not. If he is he will take promo enhancing jobs if not he is happy to take jobs for enjoyment. You have no choice in the Military they tell you when and where and how high.

From my point of view I just want to be able to pay my pension and save money for the future. No chance with the mortgage and property owning. Pension and saving however yes.

Do I want to go abroad???? This is will be a non promotion job for Biggles
Do I want to relocate to the middle of nowhere - Lincoln, Wilts, Hampshire for max two years.

I think if I stay here I will want to move closer to work. The reasons being
1. DD will get more and more homework. I want to ensure this is done and she develops good study habits
2. Money. I spend approx 200 on fuel each month and this is only set to rise.
3. Time - less time spent commuting - see point one.

It means the less rural chunk of the county and less pretty.

I will have to still apply for social housing and any move will need to be considered in depth and research done on the area in depth including with the local cop shop re issues in any estate I move to.

I would save £100 a month which can be saved in pension pots or other.

I know what my budget in Feb will tell me. I know what I need to do to get by but I would like to make progress in saving or pension planning. I need to see some sort of progress not stagnation. I think moving will be one of the key areas that will afford me more money in the long term.

Quality of life time wise will be better. Not sure about other areas as I live in a cool wee town with lots of bits going on and a nice community feel to it but overall in general more time spent with small daughter is a good and invaluable thing.

See what the military overlords doth offer and profess....

Payday next week - 30th Jan.