Starting my new business

I haven’t updated this page in 3 months. I’ve been so busy trying to start up my holistic business. Talk about hard work and I’m only aiming for part time alongside my day job (for now).

Anyway just a short post – I’ve got a bunch of posts on my various blogs to do over the next few days but I wanted to share my newest one. This is my business one. I’m really proud of it. It covers the type of things I offer as well as (to me) a fab new book club. It’s based in Leeds but feel free to read the book and leave some comments on the post.

http://www.atimefornewbeginnings.wordpress.com/

The details of book club are on both a post and it’s own part of the website.

Please feel free to give me a follow and if you are in the are come along and try some treatments

Kirsty

Ruled by money

I heard a story the other day about a relative who always has the latest technology, a nice house and car and doesn’t ever seem to worry about money. I wondered how I can learn from this so asked him how he does it. The answer I got was that he ”doesn’t let money rule me. If I want it I buy it. If it needs replacing I replace it. I just do it and don’t worry”.
At first this seems amazing. I should just let go. But then how do you let go when you have a debt plan and a limited monthly budget of what money is left after the debt money and bills have gone. Debt plans don’t take into account the need to upgrade a washing machine because it’s 10 years old and not the most economical. Or to save the cash to move house to a nicer area (which I would love to do). So how do you not let it rule you but still cope within the confines of having no cash.
It’s not easy and is going to be a work in process for me. I’ve gone back to the envelope system of diving my money up into weeks. I fell out of the habit and have noticed if I pay by card I spend without thinking and have a tendency to go overdrawn a lot. If I divide my cash into weeks and accept that I can only spend that I pay more attention. For me I worry less – if it isn’t there I can’t do anything about it. It also helps clarify just what you spend your money on. Take out drinks and coffee shops seem to be my downfall. But also going to the supermarket for a loaf of bread and coming out having spent £5 on sweets, fizzy pop and other random things I didn’t need.
What it doesn’t take into account is emergency trips to the vet. So on the one hand I stopped worrying as I was spending within my means and not letting having limited funds bother me…then the cat got sick and I had to borrow from future weeks. Now I know though my spending habits I can learn to cut down on certain things. Do I need a take out drink daily or can I just treat myself on a Monday when I have a late start at work? If I do that I save £6 a  week. Not enough to pay the vet but it’s better than nothing to start an emergency fund.
The other theory is does this relative have an emergency fund? Or is it just leftover money at the end of the pay period?  If they’ve never worried about money and have been lucky enough to have never struggled and got into financial trouble do they actually know the value of money? Are they then actually in a better position than me? Is it better to have had a struggle and learned lessons than never having to worry or be ruled by money at all? Interesting thoughts from a throwaway comment.
I think then by having my debt plan, leaving the cash in the bank for direct debit bills and then the rest as cash in the envelopes I am starting to let go of being ruled by  my bank balance but I think my struggles will make me stronger overall.

 

2017 – Be Excellent to Each Other

I saw an article yesterday that said 130 celebrities had died this year. I may be riddled with flu but I was stuck naming more than a handful besides the few that died this week. I’ve seen arguments on both sides about how much grief one should have about a celeb death and how much with that grief has.

On the other side, sadly I can name more than a handful on my Facebook friends list who have lost family and close friends (and I’m including the pets in this) which is  a bit more close to home.  While it’s sad for anyone to die these mean more to me because I’m seeing my friends (no matter how long it’s been since I saw them last) suffer.

Facebook and Twitter seem to be awash with negativity and various polls, elections and votes have given results that have stirred up anger even more to the point that people are viewing this as one of the worst years ever. I’ve seen the twitter posts stating 1939-1945 were probably worse which is right but sometimes I think of social media as a hive mind of doom. Bad news and misery seems to be following us everywhere. There was a twitter moment regarding some good things that happened in 2016 (mostly animals coming off the endangered species) but in less than 48 hours it’s gone and we’re back to misery and political tit-tat.

We really need to kinder to each other. It doesn’t matter if you weren’t best friends with a celeb, if their lives touched you grieve away. Better than keeping the crap bottled up and struggling. If you don’t like it, unfollow that person on FB for a few weeks. Then let it all go back to normal. Let’s help each other out. If someone is upset (for any reason) give them a hug; offer them tea or just sit and chat. As someone who has suffered with depression for many years sometimes this is all a person needs.

And then maybe we can spread that to people outside our social circle. But in the secret altruistic spirit of George Michael let’s not tell anyone! Don’t tell us you gave Bob the homeless guy you’re filled free coffee coupon. Post some articles or write a blog on the plight of the homeless instead. Don’t tell us about your volunteering somewhere – raise the profile of that charity instead. Let’s share the different ways to volunteer and help people rather than making it all about us.

(However if you’re after the money for charity, promote away. I may be doing that again if I decide to do the St Gemma’s Midnight walk again.)

We need to make 2017 a year where we’re not counting down the hours wishing it to end but one filled with as much positivity as possible that we’d be quite happy to do all over again the following year.

Let’s just be excellent to each other x

2016 in review

Most of my year can be summed up by these two previous blogs Road to Promotion and Budgeting in review

The new job is going well. It’s all completely new to me and a steep learning curve but I’m doing ok and constantly learning new things. I’m looking forward to some new challenges and the chance to grow further in the new year.

My attempt at self employment, while I can’t call it a failure, didn’t take off as I got the promotion and have been concentrating on that. But you have to try these things and how will you know if something is right or not if you don’t? It’s something to think about more in the new year and I may just offer my services on a voluntary basis for now.

And I’ve reawakened a love of travel. I’m still tried by budgeting  but through work and also day trips I’ve got out and about far more than in previous years. I’ve a few ideas for 2017 which hopefully will pan out.

So it started off bad, full of pain and self doubt but thanks to the second half of the year it’s one I’m quite proud of and I can’t wait to see what 2017 has in store

Good news versus bad news

I’m currently reading a book called Weight Loss for People who Feel Too Much while I’ll review shortly but there’s a part in it that made me think about our actions and the way we talk to others.

In the book one of the recommendations is to live life more simply by cutting back on the amount of negativity we subject ourselves to. By that I mean reading less gossip magazines, cutting down (or out) of social media, less news article and trying to reduce the amount of negative conversations we have.

I can do most of that and apart from too much social media. I spend a lot of time on public transport including trains and it’s an easy way to pass the time. Even though I have a kindle to read I often flick between that and social media more than I need to. So in that I need to cut down.

It’s the negative conversations that struck me though. How often do we spend time chatting with our friends and it’s all about how bad our day was, what traumas we overcame that day and what gossip we had found out. How often do we ring or text our friends and say ‘Do you know I’ve had a lovely day, some good chats with work colleagues and the bus was on time to get me home…’ or whatever happens. I think we are often far too quick to moan and not celebrate the good things.

I don’t think myself and my friends do it enough. I think we can do better. Although it’s not all doom and gloom. Myself and my best friend are having a detox week – her with caffeine and me with fizzy diet drinks. We’ve been texting daily with how well that’s going and how we are overcoming cravings or planning for any self sabotage. There’s been lots of encouragement and ideas flowing over how we can move forward with the next stage in what we both need to do in a dietary for our positive mental health (less caffeine and sugar). Now those are positive conversations.

You can’t ban all negativity though. Sometimes you have bad days and need to vent to your friends or significant other. Not talking creates even more negative mental health and as my depression came from this I would always advocate talking. It’s finding the right balance between talking about issues and becoming an energy vampire. Do you make a rule to only discuss issues at a certain time or never during the evening meal? I’m going to chat this over with my friends and see what rules we can come up with for our group.

But I am definitely going to work on my balance and concentrate on not overwhelming people with negative thoughts.

2016 budgeting year in review

Last year I had to take out a debt repayment plan after finally admitting my debts were out of control and I couldn’t cope. This year I decided to set myself some money goals to see what difference they would make.

My first decision was to take the advice of  www.moneysavingexpert.com and switch suppliers of various things. (He also has lots of advice and support of people in debt that have mental health problems). Swapping my broadband and phone contract plus the house insurance saved me 20 pounds per month 

Next, after bingewatching 10 series of Supernatural in a row I realised how much I did not miss regular TV so my sattelite channels were the next to go. I do watch some TV but by letting the Sky box switch to a freeview(ish) box (it doesn’t have all the channels of freeview) and getting a Now box for a few other things my bill went from 35 pounds per month to just 7. Huge savings. 

About this time I took part in an excellent 3 week course run by http://www.capuk.org who helped me put together a budgeting plan, see where I could save money and see where I was missing essential things I should be spending my money on (like life insurance which I can now afford). Whilst I used the charity Stepchange for my debt plan Capuk have fantastic debt support themselves and whilst mine is done over the phone and internet; Capuk are excellent for that face to face service. I used them a lot in my old job and both companies are so supportive. It’s important to note they are both charitable organisations and would never charge. Don’t ever let anyone charge you for debt advice when the honest support is out there. 

What else? Well I failed at everything I tried to do. Swapping jobs at easter to a desk job did originally start saving me cash but then I went and got promoted. Sounds good except I often work away and I’m still trying to find the right balance between working away and sticking to budget and wayhey I’m working away let me buy everything!!!!!

I’m a  work in progress….

(In  all seriousness the promotion has been great for finally helping me get on top of things. Once I stop hotel boredom eating to go with the already abandoned magazine buying for the train journeys I’ll be laughing. And I’m sorry but a 3 hour train journey and I’m taking the sweets! I just have to remember to buy from Aldi and not the train station. Life is good and getting better)

And nothings actually a failure, more of a need to review the situation a little further.

I was also meant to start a Christmas savings plan. I didn’t however this is the first year in my memory that I haven’t borrowed money to pay for anything so it’s a plus point. 

I tried to switch my shopping to weekly but it didn’t feel quite right so went back to monthly. I think that’s a piece of advice I was given that’s a bit personal and people will have to see what suits them best. 

So! What to do for next year??? Well I’ll keep an eye on the utility switching. My mobile contract is up in 12 months so will look at that. I am going to start a Christmas fund…honest. I want to clear one of my small debts. And most importantly I’d like to have a week where I don’t think about money at all. I think that’s do-able.

Smal steps that’s all I need and eventually (Jan 2020 fingers crossed) it will all be over x

Getting out more…

A few months ago I decided I needed to get out more. I’d just got a new job with a bit of extra cash and so it seemed like a good idea to re-start life in a few different ways. 

Well so far I’ve mostly pottered around the country; sometimes through wortk and sometimes through coach trips but that’s it. I’ve done nothing else. Looking back at various things I’d done over the last few years I realised I’ve only been to the cinema four times in two years. For someone who used to go twice a week that just shocking. Actually twice a week is shocking too but I had a monthly pass so got my monies worth (or not depending on the film) but I digress.

It’s all got me thinking – what is “getting out more”? Tweny years ago this woud mean more pubs and drinking and while I still could do with some of that I want to talk to people, meet new people and chat in a  civilised manner. So how do I do that in this age of technology and people being more interested in their phones (or so it seems). Therein lies my problem. 

I’ve made it my mission to see at least 6 films at the cinema next year. That won’t fix the problem but it’s better than waiting for DVDs and just talking to myself. I have a few female friends who will happily sit in pubs on their own with a drink and a book. I’m the type of person who won’t go in a pub unless  know someone else is there already. I was that fashionably late person for years for that very reason. So start small; baby steps – I will spend more time in coffee shops looking cool, mysterious but approachable 🙂 And probably not my local supermarket cafe or Mcdonalds. Not being snobbish but it’s not normally the place for lounging away an afternoon even if their teas are cheaper. 

I’ve also been looking through our sport and social catalogue. I’ve found a craft club which looks interesting but I carry enough junk around with me on a working day without adding knitting needles and wool. That’s a maybe. Then right at the bottom I saw we have a dance group! I do love me some Strictly Come Dancing so I’ve emailed them to see what kind f dancing and is there any lessons. Now though is it “getting out more” if it’s still on work premises?? Do I have to revise my wording? 

I was going to some book clubs but had to give them up as they clash with my new work hours. I might look for another one or maybe I’ll reset up an old one I used to do with a friend. I haven’t looked into that properly yet. But what else? What do people do these days??? Time to get my thinking cap on. Any ideas most welcome