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[_] Advisor for home budgeting?

Damian Webber damian.webber at gmail.com
Sat Feb 2 11:57:30 GMT 2013

You're all right - it's about trimming rather than abstaining

Watch this space. If I'm selling a kidney in 12 months time, we'll know it hasn't worked!

Cheers
D


-----Original Message-----
From: mike karthauser <mikek at brightstorm.co.uk>
Sender: underscore-bounces at under-score.org.uk
Date: Sat, 2 Feb 2013 11:49:03 
To: underscore at under-score.org.uk<underscore at under-score.org.uk>
Reply-To: underscore at under-score.org.uk
Subject: Re: [_] Advisor for home budgeting?

On 2 Feb 2013, at 11:13, "Damian Webber" <damian.webber at gmail.com> wrote:

> I'm not asking for sympathy from anybody
> 
> I earn a lot less working for Steria than I did when I ran Portsurf. A lot of this is due to adjusting to a new salary but really it's a problem shared by a lot of people
> 
> Remember, my original query was for some help to put things right

I guess it's about working out how to give up the nice things you used to be able to afford without giving up all the nice things.

I'd be trading down the vehicles first and looking at something better for short journeys that's better on fuel. There's plenty of modern diesels that can hit urban mileage at much better than you are getting. Buying anything new though to save money on driving is always going to be more expensive than buying a slightly more thirsty second hand car. Trying to avoid driving short journeys (ie school run) is the most efficient way. We walk our lad to school and walk the dog at the same time whilst our neighbours drive the same (<1km) journey and get to school at the same time. 

I've had pockets of being really skint as a long time contractor so are pretty good at eating well for cheap (lidl/ local butchers / local greengrocers for food) but I guess I'd have different habits if my spending was based on a previous good income. 

Hopefully you should be able to trim a bit here and there and keep your lifestyle. Think of it of making your more efficient with your cash rather than having to economise. 

> 
> D
> -----Original Message-----
> From: Rick Hurst <rick.hurst at gmail.com>
> Sender: underscore-bounces at under-score.org.uk
> Date: Sat, 2 Feb 2013 10:48:58 
> To: <underscore at under-score.org.uk>
> Reply-To: underscore at under-score.org.uk
> Subject: Re: [_] Advisor for home budgeting?
> 
> On Sat, Feb 2, 2013 at 10:36 AM, Damian Webber <damian.webber at gmail.com> wrote:
>> Our mortgage will be paid off in less than seven years - then I will have £500k of assets! Probably to give up in inheritance tax one day.....
> 
> I don't want to start a class war on underscore, but with a salary way
> higher than the majority of people on underscore, and statements like
> that, my heart ain't exactly bleeding about you giving up the chelsea
> tractor for a fiat 500 ;)
> 
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