Hi Money Makeover people, I would be very grateful for any advice or suggestions on what I could do in my rather unusual situation. I am male, 45, single, homeowner (with no mortgage), no loans or debts, and have some Irish savings bonds and certificates which are now worth about 260,000 and also have a Rabo savings bank account with about 30,000 in it, and a current account with 5,000 in it. All tallied ammounts to 300,000. I am unskilled, currently working part time - earning 191 a week, plus extra bank holiday wages which brings it up to 11,000 per year (and at the moment living off this aprox 11,000 a year income very happily). My original plan had been to live off the part time job income, and keep the savings bonds and certificates rolling over every few years so they would be my pension for retirement about 60. My situation has now changed and is that my job is coming to an end in a couple of months, and so I am going to need to figure out some way to make my 300,000 last as long as possible as I won't be entitled to any unemployment assistance or anything as I would fail the means test. (I'm not sure if I may be able to "sign on for credits"). And at my age I have had no luck at all finding any new job either full or part time. So I would welcome any advice or suggestions on what I could do to "stretch" this 300,000 out or to use/invest it in a different way. My own projections are to spend 11,000 per year, increasing it by about 500 euros every year for inflation, though this projection means all the capital would run out by about age 70 allowing for some build up of interest in the early years before the capital falls too much. Other factors and expenses : I don't have a car, My biggest expenses at the moment each year are home heating oil (600 euros), house insurance (500 euros), Food & drink at aprox 10 euros a day (3650 euros). Electric : (800 euros) Cinema (300 euros), internet (300 euros), Other items : 3000 covering public transport, presents, clothes and shoes, TV licence etc. plus I'm making a provision in my projected budgets for the Household charge rising to about 1000 a year and water charges of about 500 euros from 2013/14 onwards. I previously had health insurance but am not planning on re-newing it from this year onwards. I'm looking at all kinds of options and would be very grateful for any suggestions or advice. Ideally I'd like to stay in Ireland, but if neccessary I may need to try and move abroad to somewhere cheaper (I would esspecially welcome any advice or suggestions on places that might be possible to move to to live pretty cheaply off savings such as I have. In that case I would try and let out my house here and rent somewhere cheaper in another location - maybe spain ?). I'd welcome any suggestions or ideas. Thanks for any advice.