Monday, June 21, 2004

Back in the rat race.

Well i accepted one of the jobs this morning. I'd just had enough of thinking them over and decided to plump for one of them. I was meant to be seeing someone from the other job today but i rang up and cancelled. It was getting to the point where i didnt want to answer the phone in case it was one of the agencies wanting me to do something i didnt want to do, they can be pretty forceful. And when it gets to that point you know you have to do something to stop it.

Moving house is often said to be the most stressful thing you'll ever do, but moving jobs is also pretty painful. Most things are stressful if you let them get to you.

So i start on July 12th, ive got 3 weeks of freedom to make the most of. Im not going to like getting back to work i can tell. I'd better start looking at doing those jobs that i've held off because i had loads of time to do them.

With new jobs comes new things to think about. As theres no car with this job I need to buy a car too. Its the first big car purchase i will make. I had a company car for the last 3 years and before that i just had bangers, they were all relatively big financial commitments but this one will be a fair size.

The challenge is that i will be doing around 25,000 miles a year. I want a decent, nice car but doing that many miles means im going to need to get something that'll do decent MPG and wont mind doing 2500 miles a month which kind of means that i'll need a diesel and also rules out the TT's, Z3's or SLK's that i'd been angling for and maybe have to go for the more practical A3, A4 or the like. Look at me being all geeky talking about cars. Im sure any would do the job.

I also will need to think about pensions, ive had a pension since i was 16 and the last place was non-contributory which was great but this one isnt. So i now need to weigh up whether to move it all to my new place or whether to put it into an independent pension. Im a bit wary of getting financial advice because you never get the whole picture with these people, they say they're independent but they only have a select rosta of companies they work with so they arent as independent as they like to make out they are. I just need to make sure that im ok.

I also need to have a serious think about re-mortgaging the house as well. Im a mortgage tart, one of the people who never sit on their mortgages and switch round all the time to get the best deals, my last deal expired a few months ago and i didnt re-do it then as i didnt want to be tied into a mortgage with the uncertainty about where i might need to work. I should really sort it out now that i know where i will be, the down-side is that the rates have gone up a bit in the last few months so ive kind of missed out on really good deals.

So, much more to think about.