Decisions
Posted: 20 Mar 2008, 21:46
Need a bit of input on a few decisions I need to make.
I picked up on PO a year or so ago, so I've gone through the grief bit and have been thinking straight and getting stuff done. I've made a number of decisions that give me a plan for the next 12 months, but I need to think about next year.
What I've done so far:
1. Been overpaying the mortgage, and got into a good 10 year fixed deal just before the credit crunch hit so housing cost are at least fixed. I can get at the overpayments if needed.
2. Been insulating the house. Front porch door in made a big difference this winter (old, now secoond, door 1950's). Almost finished getting 450-500mm loft insulation in. Duralon (sp?) starting under some carpets. Rest to be done in summer, and the last big vulnerable point (back door) will be replaced in summer as well.
3. Remote control sockets where needed. All chargers on 1 switched strip.
Thermostat down to 18 without too many protests.
4. 2 Raised beds in garden. Got a source of rotted horse manure. New next door neighbour has a spare allotment which I can borrow for this year while I'm on the list.
5. Emergency kit in place for 3 months. Still adding to it.
So far, so obvious, thanks to previous advice.
Next decision:
I am staying in the job with a 70 mile round trip as its relatively recession proof, and I am the only one currently doing the job and it would take a couple of months for me to train a replacement who knew what they were doing and there aren't that many of us in the industry, so its as secure as the company. Company has no debts.
Looking for a good job closer to home, but it will take time.
Sooooo
Need to change the car. As I have a family it will be a small estate (astra/focus size). I'm currently on a diesel Vectra, so it will be an improvement.
I was thinking of a diesel, then doing a veg oil conversion (thanks for the info Mike) - BUT, what about LPG? Never mind the CO2 for a minute, has anyone got one and have any thoughts? I'm thinking purely on costs of running and the fact that diesels are 1K more for the same age and the veg oil conversion is 600 for the kit alone. Also veg oil has gone through the roof on price, so the cost save may not be as great.
Thoughts?
Next:
The commute is a pig. We are hoping to stay put. Good neighbours, mostly elderly, but active gardeners, practical and good people. 30 minutes slow walk to the edge of town with farmland. 20 min walk into town. Pluses outweigh the minuses and we can't afford smallholdings etc.
But - the commute. So we may end up moving if I can find the right job in the right area. That may take a while, and if the economy tanks soon, will not happen.
So - do I spend money on solar thermal (front of house faces south-east) later this year / next year or wait? A multi fuel stove would follow in the plan six months / a year after that. Being busy and having a small family I will be paying for it to be done. I've costed 10K for both and have narrowed down models etc.
I don't want to spend all the money then move, so I'm in a bit of a dilemma. Would appreciate comments - other people's points of view here have really helped my thinking.
Thanks in advance
JonB
I picked up on PO a year or so ago, so I've gone through the grief bit and have been thinking straight and getting stuff done. I've made a number of decisions that give me a plan for the next 12 months, but I need to think about next year.
What I've done so far:
1. Been overpaying the mortgage, and got into a good 10 year fixed deal just before the credit crunch hit so housing cost are at least fixed. I can get at the overpayments if needed.
2. Been insulating the house. Front porch door in made a big difference this winter (old, now secoond, door 1950's). Almost finished getting 450-500mm loft insulation in. Duralon (sp?) starting under some carpets. Rest to be done in summer, and the last big vulnerable point (back door) will be replaced in summer as well.
3. Remote control sockets where needed. All chargers on 1 switched strip.
Thermostat down to 18 without too many protests.
4. 2 Raised beds in garden. Got a source of rotted horse manure. New next door neighbour has a spare allotment which I can borrow for this year while I'm on the list.
5. Emergency kit in place for 3 months. Still adding to it.
So far, so obvious, thanks to previous advice.
Next decision:
I am staying in the job with a 70 mile round trip as its relatively recession proof, and I am the only one currently doing the job and it would take a couple of months for me to train a replacement who knew what they were doing and there aren't that many of us in the industry, so its as secure as the company. Company has no debts.
Looking for a good job closer to home, but it will take time.
Sooooo
Need to change the car. As I have a family it will be a small estate (astra/focus size). I'm currently on a diesel Vectra, so it will be an improvement.
I was thinking of a diesel, then doing a veg oil conversion (thanks for the info Mike) - BUT, what about LPG? Never mind the CO2 for a minute, has anyone got one and have any thoughts? I'm thinking purely on costs of running and the fact that diesels are 1K more for the same age and the veg oil conversion is 600 for the kit alone. Also veg oil has gone through the roof on price, so the cost save may not be as great.
Thoughts?
Next:
The commute is a pig. We are hoping to stay put. Good neighbours, mostly elderly, but active gardeners, practical and good people. 30 minutes slow walk to the edge of town with farmland. 20 min walk into town. Pluses outweigh the minuses and we can't afford smallholdings etc.
But - the commute. So we may end up moving if I can find the right job in the right area. That may take a while, and if the economy tanks soon, will not happen.
So - do I spend money on solar thermal (front of house faces south-east) later this year / next year or wait? A multi fuel stove would follow in the plan six months / a year after that. Being busy and having a small family I will be paying for it to be done. I've costed 10K for both and have narrowed down models etc.
I don't want to spend all the money then move, so I'm in a bit of a dilemma. Would appreciate comments - other people's points of view here have really helped my thinking.
Thanks in advance
JonB