Showing posts with label accomodation. Show all posts
Showing posts with label accomodation. Show all posts

27 Oct 2013

Burning Through Your Money?


With all the furore over increasing energy prices this winter, there has been a lot of debate amongst friends and colleagues over exactly how warm a house should be. I grew up in a large, draughty Victorian home and spent most winters outside in the snow. I can't remember ever complaining that the house was too cold, although there were definitely times when the condensation on inside of the windows would freeze and leave tiny leaf patterns on the glass. My parents spent several years slowly expanding the place, and for a while there was no central heating in half the rooms. But there were always blankets, fur throws, hot water bottles, jumpers and thick socks to wear if it got chilly. I suppose I was just too busy to notice the cold. I certainly never suffered for it.

When I mentioned this, I was surprised by the majority reaction. Many people expect to be able to walk around in a t-shirt and shorts during December/January and leave the heating on constantly. I'd always assumed it was just sick or elderly people that did this - my great grandparents' house felt like an oven! But out of 11 people I asked, 9 agreed they would turn up the heating before pulling on a jumper or pair of socks. Even more shocking to me was the handful that added they would open windows rather than turn the heating off when it became too stuffy! Perhaps I'm an oddity, but I generally have the heating off and bedroom window open in the winter. Anything less and I feel as though I'm suffocating!

I wonder if people actually feel the cold more these days compared to, say, the 1950's? It's common knowledge that the modern lifestyle is more sedentary, with most people driving to work, spending hours sat behind a desk, then sprawling in front of the TV in the evening. A couch potato will produce less body heat than a gym-bunny who is constantly on the go, so it makes sense that they would notice a drop in external temperature. Aside from the negative impact that a sedentary lifestyle has on health (move or die! - http://www.bbc.co.uk/news/health-18880989), there is an obvious negative impact on an individual's finances.

With heating costs increasing at an average of 10% this year, will more people be encouraged to go out and exercise or wrap up to stay warm? Or have we become too lazy and spoilt to expect anything less than tropical temperatures indoors? For my own part, I'll keep taking the extra money and stick with the mittens! What 10% price increase?

16 Sept 2012

Have Job, Will Save


I'm back in the game! I should start off by giving everyone an update on my situation. After sending out well over 300 CVs and chasing agencies and employers for months on end, I decided to take a gamble and move to a less-crowded area of the UK in order to find work. It was getting ridiculous putting in so much time and effort for minimal results (3 interviews in the space of a year) and there is a well-known saying that if you want a different result then you shouldn't repeat the same process. So I upped sticks and left my home town, my family and my friends for a completely new location in the middle of nowhere.
It was scary and lonely at first, but I had the added support of my boyfriend (who was in a similar boat). I should point out that one of his major personality traits is a ridiculous level of enthusiasm that is hard to resist, and we managed to convince ourselves over the course of one weekend that moving was the best decision. We had no accessible savings, nowhere to stay (we slept on a sofa for the first month) and didn't know if we would find work. But it wasn't much different to our situation back home. It just had more potential and that was enough!

My boyfriend managed to bag a job immediately (cheeky git that he is) and began work on the Monday. I applied for 3 jobs the first morning we arrived and got a call the next day requesting an interview. The following Tuesday I had a permanent job!

The first 2 months salary went towards sofa rent (we paid the owners part living costs), hiring a large van to move our belongings from one side of the country to the other and then 2 months rent for our new flat. After that was set up fees (a cheap bed and other furniture, work clothes due to me putting on weight whilst unemployed and then losing it again, and other random initial costs). We moved in over Christmas and by the end of March I was back to saving again.

So... current savings total is £2006 (£2k of this has recently moved to a 2 year bond, so I can free up my £5640 ISA allowance for this year). I should note that my boyfriend and I keep our finances separate and currently have no plans to combine them. Rent is split equally and we have split bills so that we pay roughly the same each month towards the flat. We have very different diets (mine is close to T-Total vegan whereas he loves JD and steak), travel needs (he has a car and drives for a living, I have a 3 hour commute by bus/foot), and attitudes to spending/saving remaining income (he mostly spends, I mostly save) so these are paid for individually as this works for us both and neither feels we have to compromise. I will therefore not be including his savings here.

Most larger bills for the rest of this year are already budgeted for, so I am hoping that I will be able to dedicate a higher percentage of my salary to savings for the next few months. I plan to include a breakdown of typical monthly expenditure in the next entry so everyone (myself included) can see where my money is going and where I could make further cutbacks.