2017 mid-year in review

I’m a few months late really for a mid-year review but I’ve just spotted my gratitude/good- things-happening jar is 3/4 full. Without looking through it (that’s a treat for between Christmas and New Year) I’ve been thinking about the last 8 months.

Work – It’s been a roller coaster year. Some days I love my job and some days I just want to hide under the duvet and pretend it’s not there. Pretty standard with most people I guess. I’m just a Geminian drama queen so when the horrible days happen I’m telling everyone I want to quite and having mini-meltdowns (as I did about 6 weeks ago). However I’ve recently taken on the role of well being advocate so I get to put together events such as our team walking challenge. Events like that make me happy enough to push through on days when it’s not so great

Self employment – I had a push to re-start this in 2017. It’s also had it’s ups and downs to the point where I decided to take a step back to see if it’s really what I want to do with my life. Turns out I’m passionate about these things but not so hot on working for myself. I’m just not business minded. There are so many things I could be doing besides updating websites, pushing the business, and doing all that annoying paperwork. As I have a day job guess what – the boring admin jobs don’t get done. The task now then is to find ways to utilise the things I love but maybe not on a self employment basis. Or just plod along and see what the universe has in store.

House – This is an area with lots of success this year. Tomorrow I get a new hall carpet after it twice suffered through a burst boiler. I’ve talked in previous blogs about having a debt plan and little spare cash so this is a big deal for me at the minute. I’ve also repainted all the rooms. Still a little bummed that my lovely coloured walls are all pale magnolia/barest peach but if I follow through on my plans to sell up in 2 years these are the colours buyers want. If I decide to stay then Oh I m going to have so much fun repainting everything red/orange and yellow! I’ve also replaced lots of little things like lampshades, kitchen utensils, pots and pans and so on. By the end of the year the last few rooms (kitchen and cupboards) will have been repainted. I may have to give in to the idea of pale walls but I’m getting my colour in my accessories.

Health – My diet blogs are ongoing. 6lbs so far and I’m keeping up to the diet. I’ve a walking challenge on this month but I’ve been pushing the number of steps for a while now. One thing about being a wellbeing advocate. It means I have to practise what I’m preaching so less pizza more health. I’ve reconnected with a dentist and currently saving for some cosmetic dental treatments. I finally started having the money to get my hair styled and coloured on a regular basis. The second half of 2017 is all about me and these small things are going some way to not finding myself but rediscovering myself.

Fun/Life – Oh this needs work. I’ve been to a few events this year. First music concerts in a  couple of years and some drinking nights out. What I’ve discovered though is that I miss being out and about. I’m a sociable person but the debt plan is killing that. Me and my friend who lives in a different city had a heart to heart about this with the plan that we will take turns visiting each others houses per month and go out on the town. That’s one thing to look forward to. I then made a list of who I am and what I like to see how I can use it to start reconnecting with people. How do I get out without much financial investment. I’ve started at a couple of book clubs which are ok. It’s early days yet. One of the things I thought of was a night class. Instead I decided to re-start my open university degree/ I have 2 (part time) years left. That will give me the opportunity to go to some study days and connect with people on Facebook forums. I’ve a little list of some other bits to look at too.

Money – This is a biggie. I am now half way through my debt plan. I’ve managed to reduce the end date by 3 months and most importantly I have cleared 50% of my debt. Seeing the figures last month was one such a happy moment and one I didn’t think I’d see

So when I have a bad work day or a day when my mood is low I can actually look back and see actually this year has been pretty amazing. They’re all small steps but they’re adding up to one great year.

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 list review

I wrote another blog about how my year has gone from the perspective of changing jobs and my financial progress. I did however make a list of things I wanted to achieve

  • I wanted to increase my blog followers: I aimed for 150 on my book blog and hit it just this week. I wanted 75 on my travel blog and got 65. And I wanted this one to 200 and am at 186. However I have probably paid more attention to my book blog so going forward I need to make sure I post more and see if I can hit next years growth targets
  • I had some self employment goals. I wanted to finish courses in Life Coaching (I’m about 95% there), CBT (haven’t started), hypnotherapy (abandoned as not one I want to continue with as a business practise) and Angel Therapy (Yay I finished one). I wanted to start practising and did for a short while until other life factors took hold. I’ll look at it again in the new year.
  • I wanted to get out more. I wrote a whole blog about this and what does getting out more actually mean. Getting out more I’ve made progress but there’s still work to be done.
  • Reduce sugar: I lost 10lbs in weight this year giving up sugar. I’ve probably gained it back again however. 2017 needs to have massive concentration on my diet and health. I’m unhappy with many things but they won’t change unless I do. I know I can do it when I put my mind to it so I have to do this and stick to it.
  • I wanted to record 150 books as read on Goodreads. The current total is 165 and I think I’ll have finished one more before New Years Eve.
  • Stop overthinking: Failed at this one in a big way! I’ll add it to 2017’s list
  • Sort out love life: Yep failed that one too
  • Increase 10,000 steps a day regime: Ending on a positive note. I probably average around 7000 a day taking into account weekends where I might do very little. I need to get it a little higher next year. I’m looking at various exercise techniques. Without making excuses I’m still recovering from having a frozen shoulder/RSI and a trapped nerve all in the same arm. I still get the odd pains and my arm is very weak compared to the strength I had pre-illness so I’m wary of certain things. However walking will not affect my arm so that will be my starting pioint

Here’s to a happy healthy new year for everyone 🙂

Thank you for reading my posts in 2016 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

Achievement Jar

About 18 months ago after a bit of sulking on how my life was going I decided to keep an achievements jar rather than a gratitude jar. I’ve emptied it today to free it up for my 2017 goals and thought I;d take a look at what I’ve done

Self Employment

I’ve given some thought (and written a few blogs) on setting up as self employed. I was pretty much ready to go then got a promotion in my day job so decided to put everything on hold to get to grips with the one that pays my wages. Hopefully at some point in 2017 I’ll revisit as everything is set up to do so and I enjoy it.

I found in the jar:

  • I qualified as a EFT therapist
  • I qualified as a crystal therapist
  • I qualified as a Angelic Reiki therapist
  • I’ve almost finished both my Business/Life Coach diploma and when I find some enjoyment again for it my hypnotherapist diploma.
  • I’ve started a course in CBT
  • My house was redecorated to enable me to work from home. I got the insurance and all the equipment.
  • I got a promotion.

There are also some Get Out of Debt achievements in the jar:

  • I gave my debts to Stepchange and set up a repayment plan
  • I read Marie Kondo’s de-cluttering book and too action by de-cluttering the house. I went through my precious bookcases and gave up any book that I did not love and would not read again, I traded them in and used the money to pay towards bills
  • I did the same with the shed and my wardrobes. I took part in a number of car boot sales and made myself a little money.

It’s not a huge list but it’s still god to be able to look back and see some of the good things I worked on in the last year. I’m looking forward to seeing what will go in the jar in 2017

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

2015 – half year review

Scarily the time has flown and tomorrow will be the 1st July. Rather than panic over where the last half-year has gone (I feel like I’ve blinked and missed months) I thought I’d dig out the goals I made in January and see what I’ve achieved. I avoided the usual lose weight – join a gym resolution because I make it every year and never stick to it. However! I have lost about 10lbs, I managed 4 Pilates before deciding I didn’t like it. And last week I did actually join a gym. And by join I filled out the registration form and got a card. I haven’t actually done anything with it yet. Oh and for the most part I’ve managed to walk 10,000 steps most days. I should probably not make this resolution more often. I wanted to for some reason talk more on social media. Anyone reading my last but one post will know I’ve actually gone in the other  direction and have talked less. Part of making that goal was linked to another one to get out more. I think essentially I was looking at ways to increase my social circle. I’ve definitely got out more. I joined three book clubs, went back to another that restarted last month and have attended quite a few work shops and meals with friends. A success so far then but one that can always be improved on and you can have fun going to new things. I wanted to increase the followers of my three blogs. For this one by the end of the year I hoped to be at 150. As of yesterday I hit 161 so a big thank you to everyone who reads these posts 🙂 My book blog I wanted to be at 100 – as of yesterday I was one short so on target to hit that at any time. My travel one I wanted to get to 70 and am at 49. Not too bad especially as it’s the one I’ve neglected a lot this year. So I need to make some more posts. I wanted to increase my spirituality and work on training to move into work coaching and healing. That’s ongoing and won’t be complete this year but I’ve started it and it feels like I’m on the oath I should be. Lastly I wanted to take part in a 10k event. While I didn’t do that I did raise money for a cancer charity through a 7 mile Midnight walk so good deed challenge has been met. Overall I’m astounded by how close I’ve come to achieving most of what I wanted to do and six months early at that. So what can I do going forward? I started a gratitude jar that I’ve been neglecting lately so I’m going to try to add to it more often. From tomorrow I’m taking part in a July mindfulness challenge which I’m quite looking forward to as well as gaining my crystal healing diploma. It’s going to be a busy month and I’m excited by what the rest of the year will bring me

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