Posted: Wed 31 December, 2014 | Author: Lyle | Filed under: 2013/14, 2014/15, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Health, Reading, Seeing Films, Thoughts, Work-related, Writing |
(With apologies to Aaron Sorkin for nicking/appropriating a title he’s used in every series he’s written)
2014 hasn’t been an easy year, with some real ups and downs. Some of the downs have been pretty bloody down, and back in August/September was about as low as I’ve been in a long time, with the finances right back to Ground Zero. The last couple of months of the year have been a massive improvement, a real resurgence that’s left things on a very positive note, and that’s nothing but good.
But man alive, there’s been a lot going on.
Work
I’ve had two spectacularly bad jobs – both permanent roles – this year, the second of which took three months to escape from, cost me a buggerload of money (the owner decided to arbitrarily cut my offered salary by £10K, a drop of just under a thousand a month, with no warning or notification) and affected me a lot more than I’d ever have acknowledged. In small ways it’s still ongoing – I’ve invoiced the dickhead for the money he screwed me for, and my New Year’s present to him will be a claim through Small Claims Court (well, now Money Claim Online, but who’s counting?) so that should be fun.
I’ve also had three contracts (plus one that over-ran into the start of 2014) with two being OK and one being less so. That one was an easy life, which was more about being a bum on a seat “in case anything happened”, rather than actually doing stuff. Easy, but not my kind of thing, as has been written about elsewhere.
The final contract of the year – which flows into the start of 2015 – has been the catalyst for getting things on a more positive footing. It’s been work that suits me, as well as being one where I’m able to work from home for the majority of the time, which also suits me.
Finances
As per the work notes, the London job cost me a lot of money, with the savings I’d made up ’til then getting used for keeping things afloat while I still believed that The Dickhead would actually pay what was owed. Even while everything was down at lowest possible, I still got through – no borrowings, no late payments etc. So it’s not as bad as it could’ve been, and yet again showed how far I’ve actually come – but it’s still annoying to have been knocked back after a year of being successful on it all.
I’m back on the up now, things in credit and so on. I still need to build up the funds again, but that’s happening, and will continue to do so through into 2015.
Creative / Writing
This year’s writing and so on hasn’t been great – because of everything else going on, it just hasn’t happened as much as I wanted it to.
Writing-wise, I have done some stuff. I’ve entered some small pieces to some competitions, although without any decent results. However, at least it’s been about getting things done and submitted – which is more than I managed in 2013.
Photography’s been a lot slacker. Along the way I’ve got out of the habit of carrying a camera all the time, and it’s proving harder to get back into doing it. I love the SLR I’ve got, but it’s a pain in the chuff for most of the time.
The daytrips of late have been partly about taking photos again as well, although they’ve all ‘only’ been taken on the iPhone, but at least I’ve been taking photos again, and they’ve been pretty decent.
Summary
So while 2014’s been a ropy old year in many ways, it’s ending up with a lot of promise, and lot of optimism for 2015. Whether that will be justified or not, who knows? But I’m going to give it my best.
And really, what more can anyone ask than that?
Posted: Wed 5 November, 2014 | Author: Lyle | Filed under: 2013/14, 2014/15, 42-43, D4D™, Domestic, Five Year Plan (now Ten), Getting Old(er), Getting Organised, Health, Own Business, Project 42, Weight Loss, Work-related, Writing |
Today, I is forty-bloody-three. It doesn’t seem like a year ago I was forty-bloody-two, but there we go. Time flies when you’re having fun. (Or dashing around trying to avoid a shower of shit. Either way)
I’ve looked back to what I wrote this time last year, the usual ‘plans’ post and it’s not been too bad for once.
And in general it’s worked out for the most part. Goals in bold, explanations in normal text.
- Weigh Less – Successful. I’m now more than two stone lighter than I was a year ago. There’s still a considerable way to go, but it’s been significant progress throughout the year.
- Write More – Also successful, albeit not to the degree I’d have liked. I’ve got more ideas and more plans of what I want to write in the coming year, I’ve got two projects started and significant progress, and completed some shorter stuff, including submitting three pieces to competitions. None were successful, but it’s still progress.
- IAM – Didn’t do. Mainly because of the fluctuations of the year, the IAM thing just didn’t happen. It will do this coming year, though.
- Own company – Successful. Again it’s been knocked a bit by fluctuations and inconsistencies, as well as a couple of let-downs, but generally successful.
- Business Ideas – Kinda successful. I know more about the direction, but need to do the work.
- Rebuilding the finances – 50/50. It was successful – but then with those fluctuations, and the shower of shit, it’s back to square one at the moment. At the same time, it didn’t descend into “being in the shit”, although it was close. So, you know, little victories.
And for my 43rd year? Much the same, I think…
- Weigh Less (continued work)
- Write More
- IAM Test
- Own Business Ideas
- Build the Finances
There may be others, there may not. But if I can have the successes of this year without the downsides and letdowns, it should be pretty positive. That’d be nice.
Posted: Sat 16 August, 2014 | Author: Lyle | Filed under: 2013/14, Domestic, Getting Organised, Write More, Writing |
As usual, one of my projects for this year has been about writing more. (Not that you’d know it from D4D of late, but that’s different, more about having time than anything else)
Anyway, I’m doing more along the way, but also trying to send it out into the world, so I’ve submitted bits to a couple of competitions recently.
Nothing major, and if I’m honest I don’t expect anything to come of them. But at least I’m writing, and making the effort.
Posted: Fri 11 July, 2014 | Author: Lyle | Filed under: 2013/14, Domestic, Five Year Plan (now Ten), Getting Old(er), Health, Weigh Less, Weight Loss |
In other news, I’ve now lost a stone in weight this year.
That puts me on a weirdly OCD number (ending with two zeroes) although still at the high-end of “Functioning fat fucker”, with a way to go.
I’m happy with the progress though. I’d like it to be quicker (wouldn’t we all?) but at least it’s progress.
Posted: Fri 16 May, 2014 | Author: Lyle | Filed under: 2013/14, Bankruptcy, Change, Commuting, Depression, Domestic, Driving, Finances, Five Year Plan (now Ten), Getting Organised, Housing, Own Business, Project 42, Thoughts, Time, Work-related |
Over the last couple of months, I’ve been thinking a lot about location – where I live, where I work, where I want to live, all that. I’ve been in the current house for two years now, and I know I’m getting a bit twitchy.
The current tenancy doesn’t expire ’til November though – due to an initial six-month one, followed by 12-month ones. As a result, I’ve had plenty of time to think about it, look at the pros and cons, and – I think – I’ve now pretty much made a decision.
As has been noted on many occasions, I’m not all that good with permanence – I like change, embrace it even. It suits me. So two years in the same place is enough to make me twitchy, to start to feel that itch in the back of my skull.
It’s not too bad at the moment though. I’ve certainly had it far, far worse than this. If I were still in the same job as well, the options would be different – I’d be needing to move on in both cases. As it is, I’ve been back on the contracting since July, and it’s kept things decently varied – which means the house side of things can relax a wee bit.
There are places I’d like to move to, some new locations and some old. (Or at least close enough to qualify as revisits) They’re more about reflecting how much life has changed in the last few years, most particularly the ability to drive, which opens up whole new vistas.
For example, I’d like to go back to the North-West, live around the Peak district somewhere. I wouldn’t live in Manchester itself again, but there’s loads of places around it that I really like. It’s still a front-runner when the move does happen. The same applies for the South Coast, and Dorset in particular. It’s an area I love, but didn’t really get to appreciate as much as I could’ve done, because I didn’t drive. So yes, that’s also a front-runner.
There’s other places too. A revisit to Bath and/or Bristol wouldn’t be out of the question – particularly when not combined with an insane commute, ideally – and there’s new locations too. I’d consider most places, but Nottingham and Derby have always been good to me, and there’s a whole heap of other places. (Plus a long-standing idea to sod off to somewhere like Cork)
However, right now there’s also a bigger plan in place. Rebuilding after the bankruptcy, seeing what comes next, as well as looking at work and finances and what the hell I want to do/be when I grow up. There’s ideas on that score, but I need to have the time and inclination to do something about them. Time I’ve got. Inclination? Less so, right now. But that’s a post for another day.
I could move, sure. But practicality-wise, where I am right now is pretty much perfect for me right now. It’s not a long-term location, but for now it’s good. I’ve got all the transport links I need – my commuting radius for work covers an insane amount of miles. It makes my contractor life a lot easier. Location isn’t in many (if any) of those calculations I have to do. For me, right now, that’s an important factor, and outweighs pretty much everything else.
Financially, it’s easy. If I move North then the odds are that my rent would drop. But for where I am, for what I’ve got right now, I couldn’t do much better. I’d like some extra space, an extra room or two – but it’s not something that’s necessary right now either.
All told, while I would kind-of like to move, I don’t need to move. And staying put has its advantages too – location, money, blah blah.
That means that – in the lack of a good reason for moving other than “But I want to” – I’ve decided I’m going to plan to stay where I am for the next eighteen months. The six months from now for the current tenancy, and then extend it by another twelve.
Of course, the landlord might decide to sell up or something, or work may throw up something that makes me have to move. Neither option is likely, but they could happen. But short of those kind of eventualities, I’m going to face up to things, and not move.
By that time – November 2015 – I’ll have been in this place for three and a half years. Then I think it’ll be time to move on – or at least move up. If my work is still keeping me based in a way that the current location is still OK then I’ll just look at moving to a bigger place locally. If things change or work isn’t a limitation (I can work from pretty much anywhere, after all) then it might be a big location change too. We’ll see.
Posted: Tue 13 May, 2014 | Author: Lyle | Filed under: 2011/12, 2013/14, Domestic, Finances, Getting Organised, Thoughts |
It’s now two years (well, just over, as it was the early May Bank Holiday weekend) since I moved into the current house. That move was probably one of the most stressful ones I’ve ever done, as it all happened while my dad was in hospital with heart issues, and the move itself was done in just one day.
You know how they say that the most stressful things in life are moving house, changing jobs, and relationship breakups? Try doing all three at once, with added health concerns of a parent. It makes for an interesting weekend, it’s fair to say.
A lot has changed since then – most of it for the better. The job stayed the same ’til July last year, and then I’ve been back on the contracting side and done a fair variety in the remaining time. Finances have improved beyond measure – at least relatively speaking – along with my own health, sanity and stability.
Dad’s fine too, still with us, and far healthier than he was.
Two years ago I couldn’t see this far, couldn’t see the light that was beginning to glimmer at the end of the tunnel. I’m not yet out of the tunnel completely, but that light is all too visible now, and I know things are well on their way.
Posted: Sat 3 May, 2014 | Author: Lyle | Filed under: 2013/14, Commuting, Domestic, Driving, Getting Organised, Project 42, Thoughts, Words, Work-related, Writing |
This last week, I’ve been working from home – which is something I usually enjoy, but it’s not been overly assisted by feeling like rubbish, and somewhat demotivated.
Alongside that, for whatever reason, the cats have been super-demanding and really whingy, which has pissed me off more than it should.
All told, it’s meant I haven’t got as much done this week as I should’ve done, so it’s time to do things differently.
I’ve been aware of ‘co-working’ spaces/offices for a few years now, but never really felt the need to make use of them. I did look at them quite seriously when I had the possibility of the long-term ‘working from home’ gig earlier this year (which fell through) so I had some decent contacts.
As it turns out a couple of new ones have opened up quite near me in Milton Keynes. One in particular is ridiculously priced (as in ridiculously low) so I’m going to give that a go this coming week. Four days for £30 all in. I can live with that.
Of course, I still need to find out what the catch is. (If there is one) But if it works out and I like the place, it might be worth my while to make use of it for longer (depending on what other projects come up, naturally) Looking at the costs, it could cost me £80 for the whole of May, which is pretty insane…
We’ll see how the first week goes. But this could be the start of the next step up the ladder, having a place to work from for myself…
Posted: Mon 21 April, 2014 | Author: Lyle | Filed under: 2013/14, Bankruptcy, Domestic, Finances, Five Year Plan (now Ten), Project 42, Work-related |
While the last eight weeks have been pretty tight (as written about earlier this week) with the weird and slow pay structures of the agency behind my current contract – well, current for this week, but thank God, it’ll then be over – it also has been (yet another) illustration of how far things have come. As if I needed it.
Two years ago, this whole thing would’ve been a nightmare, and would’ve left me deeply in the shit.
Now, it’s been OK. It’s been tight, I’ve had to move some things around, and make some arrangements – but it’s been OK. Some of that has been because of being able to invoice some other clients and have smaller amounts of money coming in from other sources. Of course, at the moment I have no other safety cushion – no overdraft, minimal savings to speak of (although both of those will be changing) – but it makes things a bit shakier than I’d like. Not as shaky as they have been in the past by any means, but I’ll be happier this year to put some fiscal cushions in place as well.
Until then, obviously I’ll be happy just to actually get paid, and have money in my account again, but it’s another thing I’ve managed to get through. And really, that’s no bad thing.
Posted: Sun 20 April, 2014 | Author: Lyle | Filed under: 2013/14, Domestic, Five Year Plan (now Ten), Food, Health, Project 42, Weigh Less |
This year, as I’ve said before (and on many occasions) I’ve been working at getting more exercise, with an aim of losing some weight, improving health, and all that standard crap. At the same time I’ve been keeping track of food intake and so on, which has been interesting rather than overly useful.
I’ve been doing fairly well for a start- I’m tending to average walking about 3-4 miles a day, including at least a mile round the village every day. I started off just making sure I did it even on days when I wasn’t in the mood, or when the weather was vile (and lord knows we’ve had plenty of those so far this year) so that I could establish it as routine, and thus have even less excuse when the weather was good.
It’s slow-going though – which I’m not happy about. I’m eating less than the ‘recommended’ calorie count, and I’m doing more exercise. But weight has stayed fairly stable. As it is, I’ve lost half a stone this year – which is better than it could be, but it’s still hard to monitor when it takes so sodding long.
This week has been different, because of stuffing my back last weekend (which is improving, but still insanely sore in the morning) I made the decision to lay off the walking etc. as much. It’s about halved from the usual, and I’ll actually be glad to get back to it.
Anyway, there’s been progress, it’s just been ridiculously slow. Next step, once I’m back to not hurting (pardon the pun) will be to get back on my bike again and do more work on that score as well. Maybe that’ll help things progress. We’ll see.
Posted: Sat 11 January, 2014 | Author: Lyle | Filed under: 2013/14, Creativity, Domestic, Getting Organised, Introspective, Own Business, Project 42, Work-related |
One of the things I’m truly bad at is trying to find a balance in my life. I keep trying, and struggling to do so, and then giving up and falling by the wayside once more. I know that the way I live and work isn’t overly balanced (or settled, but that’s another set of posts – past, present and future).
At the moment I’m in another “trying” phase. (And yes, yes, I know, “I’m always trying”. Blah blah. Pipe down at the back) I’d like things to be a bit more balanced, to have the time and space to do stuff, and to be able to get going on a couple of projects that I keep on not getting round to.
In fairness, I’m (currently) doing better than usual. I’m getting most of the stuff done that I want to – although a couple of things have slipped through the cracks so far – and trying to build up a schedule, or at least a routine, that’ll allow me to deal with most things.
This is mainly being achieved by dint of
- to-do lists (as written about previously)
- forcing myself to still do the bits I’m not keen on
- knowing that if I don’t, I’ll just be annoyed at myself, and have no sodding excuses
But is that balanced? No, not really. I’m still trying to do more stuff for myself as well – or at least recognise the need for some downtime – but as always that’s the bit that sort of fails. I’ll aim to improve it over the span of the year, but for now there’s things that need to be done. (Or at least started off properly)
All told, it’s been a fairly good start to the year. Let’s see if it continues…
Posted: Thu 9 January, 2014 | Author: Lyle | Filed under: 2013/14, Domestic, Dreaming, Five Year Plan (now Ten), Getting Organised, Health, Insomnia, Project 42, Sleep - or lack thereof, Technology |
Over the years, I’ve kind of got used to sleeping really badly – although I’d still like to know the causes, and whether it really is as bad as I think/feel it is.
The reason I’m not sure is because – as I think I’ve said before – according to partners, sometimes I’ll have slept through the night, but woken up and been convinced I’ve had a bad night. Yes, I apparently manage to dream that I’m waking up and having a bad night. And yes, that is really really fucked-up, however you look at it.
Anyway, as part of the whole ‘weighing less’ part of this year, I was also wanting to monitor (or at least better monitor) my activity, steps-per-day and the like. So I’ve ended up ordering a FitBit Flex which should let me keep an eye on all of that at once. It’ll also integrate with a couple of other apps on the phone etc., which will make for some interesting reading over time. The only downside is that I’d have liked one that also allows me to check/monitor heart-rate (and really, why can’t you get a wearable wristband device that’ll do that? It can’t be that difficult, surely?) but there just isn’t anything like that around at the moment. The closest would be the Pulse from Withings – but that doesn’t do the integration stuff, and doesn’t keep track of heartbeat in the way that I wanted.
I’m not relying on it, or assuming it’ll be the thing that changes everything for me – but it should at least answer some questions, particularly about how I sleep. And that at least will be interesting, and make it worth what I’ve paid. Anything else is a bonus, really.
Posted: Wed 1 January, 2014 | Author: Lyle | Filed under: 2013/14, Domestic, Project 42, Resolutions |
And lo, here we are in 2014. It seems like only yesterday that it was merely 2013. Oh yeah – it was only yesterday. How time flies.
Anyway, the year comes with some plans. Not resolutions, oh no no no, we don’t do those here chez Lyle. There’s the ongoing plan for 2013/14, which is pretty simple, but this is more of a “Things I’d Like To Do In 2014”.
Of course, the original 2013/14 goals are still in place as primary things, which are…
But there’s also a few other bits that I’d like to do this year, including…
- Carry on the progress from 2013
- Develop the software / websites for the main company stuff I’m doing
- Keep working on finances and rebuilding
- Take a proper holiday somewhere – even ‘just’ in the UK, but some time out
- See friends more regularly, and generally be a bit more sociable
- Take the IAM driving test – purely for my own ego, but I’d still like to do it
And that’s about it for the ‘plan’ side of things. The “Random shit” side is likely to be a lot more busy, in fairness.
Posted: Fri 20 December, 2013 | Author: Lyle | Filed under: 2013/14, Business, Domestic, Getting Organised, Health, Own Business, Project 42, Travel, Work-related, Writing |
From the end of today, I’m finished with work ’til a week on Monday. Ten whole days off.
Of course, being a contractor, it also means I don’t get paid for them – but that would’ve happened for the Wednesday and Thursday anyway.
Besides, for once I don’t mind. I’ve pretty much burned myself out this year – and the last couple of months in particular – so it’s going to be quite nice to have some downtime.
I’ve still got stuff that needs doing – Slab’s booked in for it’s 100,000 mile service on Monday, and Christmas Day on Wednesday with its associated travels – but for the most part it’s going to be time for relaxing a bit, catching up on sleep, and generally sorting my life out a bit.
Should be good – and right now it feels like it’s much needed, a battery recharge before the start of 2014.
Posted: Tue 10 December, 2013 | Author: Lyle | Filed under: 2013/14, Business, Domestic, Driving, Five Year Plan (now Ten), Getting Organised, Gigs, Own Business, Project 42, Travel, Work-related |
Next year is already starting to look busy for me, which is quite fun (and somewhat back to ‘normal’ after a couple of much quieter years)
Right now I’m already booked in for :
- At least one meeting in Jan (as well as probably getting a new contract)
- Setting up new company / business
- Attending an exhibition/conference in Feb
- A wedding in Derbyshire in March (not mine, of course!)
- One concert in April in London
- Two concerts in May – one in London, one in Manchester
- A food festival in Manchester in June
- Another conference in November (although that’s not yet 100% confirmed)
Of course, that’s not including the usual sociable stuff which’ll definitely involve trips to Manchester, Bristol, Somerset, Kent and others. Plus the other business stuff, work, writing, and a bundle of other bits.
So 2014 is looking nice and quiet…
Posted: Fri 29 November, 2013 | Author: Lyle | Filed under: 2013/14, Business, D4D™, Domestic, Five Year Plan (now Ten), Getting Organised, Health, Own Business, Project 42, Thoughts, Time, Weight Loss, Work-related, Writing |
Yes, this is the 6,500th post on D4D™, according to WordPress. So what better time to look at what may be happening here over 2014? (There’s no guarantees, it’s more about where my head’s at right now)
In just over a month, it’ll be 2014. As usual, I’m not making any resolutions for 2014 – that old ‘everyone else does it, so I’m not‘ thing kicking in again – although there is the stuff from Project 42 (i.e. what I want to do from November to November) to consider. Which all means I have to balance out time across a number of things – something I’m renownedly abysmal at doing.
So – what may happen is that D4D may step back a bit, maybe not have the daily updates. (Of course it might stay the same, too. It kind of depends on everything else) I’ve got some writing ideas – as well as some other things I’m not going to go into right now – and I need to make time for them. I’ll still be updating, it just might not be daily.
This coming year is going to be interesting. There’s a lot of potential ideas and plans, a lot of stuff I’d like to do, but I do need to figure things out in order to be somewhat realistic about it as well. I’m going to take time over December to get things in place, work out priorities, form that limited company that needs doing, and a bundle of other prep crap to let 2014 be as productive as possible.
As for D4D™, it’ll keep on going – on and on. I can’t guarantee another 6,500 posts (who could?) but it’s not being planned to die off anytime soon.
Posted: Tue 12 November, 2013 | Author: Lyle | Filed under: 2013/14, Domestic, Five Year Plan (now Ten), Geeky, Getting Organised, Own Business, People, Project 42, Thoughts, Work-related |
Over the last few weeks, I’ve been working a bit more at getting organised, at knowing what needs to be done and getting it done. To this end, I’ve found myself making lists, and being able to cross things off once they’re done – and I’m finding it quite helpful.
Not in an OCD “Got to do it, it’s on the list” way or anything, but just so I’m not storing everything in my head. I’m not usually this organised, but at the moment my head’s full of umpteen bits of random crap, so I’m finding it easier to write down what needs doing, and go from there.
Interestingly (well, to me, anyway) I’m finding it’s actually quite a productive way of doing things, and it’s also quite satisfying to be able to cross through the things that’ve been done.
Whether this development will last or not, only time will tell. But for now it’s working for me, and in a way that to-do list apps and online methods don’t seem to. Weird, but true.
Posted: Fri 8 November, 2013 | Author: Lyle | Filed under: 2013/14, Business, Customer Services, Cynicism, Five Year Plan (now Ten), Own Business, Project 42, Work-related |
As part of Project 42, I’m looking at getting back to having a limited company, and as a result of that I’m doing some research (again) on company formation agents, business banking, accountants, other management services etc., and generally getting myself a bit swamped. And as always, it’s all a bit of a minefield, a crap-shoot of hoping to find a company that’s merely slightly less grim than the others.
Business banking is a major culprit on this one – all the business banking people seem to be just as shit as each other. There really are no redeeming factors – and indeed, there’s even less on offer for new accounts than there was a few years back when I did this last.
I’m still somewhat gunshy about using an account to keep track of the business again – after my last one went bankrupt just before time to do the Tax Return, having taken all the fees etc. in advance, and leaving me properly In The Shit.
There seem to be more companies doing on-line management services for limiteds now, although they’re certainly not cheap. (And in a couple of cases don’t appear to want any new business, as they haven’t bothered answering even basic questions)
There’s no real hurry for these decisions to be made, thankfully. It’s all just research, figuring out the best deals etc. before I take the leap.
In the meantime – if anyone has any recommendations on business banking accounts, I’ll be interested to know it.
Posted: Tue 5 November, 2013 | Author: Lyle | Filed under: 2013/14, 42-43, D4D™, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Own Business, Project 42, Work-related |
As is tradition chez D4D™, this is where I list out some of the things I want to do in the coming year. I’ve kind-of nicknamed it “Project 42” this year, for no particularly good reason (other than that it’s the year of being 42 – which, as everyone knows, is also the answer to Life, the Universe, and Everything) but it’ll do.
The top two stay the same as last year, but there’s some extras that I want to get done or work on, as well as a bundle of other stuff that’ll come up along the way. Anyway, these are the main bullet points…
- Weigh less
- Write more
- Take the IAM advanced driving test
- Sort out my own company again – although there’s a lot that goes into that
- From there, develop a couple of business ideas
- Keep on rebuilding finances throughout the year.
That’ll do, I think
Posted: Tue 5 November, 2013 | Author: Lyle | Filed under: 2013/14, 41 - 42, Domestic, Five Year Plan (now Ten), Getting Old(er) |
Bloody Hell, I’m forty-sodding-two.
It’s going to be an interesting year, I’m sure. And come April, I’ll be halfway through the rebooted Five Year Plan, from Age 40 to 45. I think there’ll be more about that over the coming few days/weeks/months. I bet you can’t wait…
Posted: Wed 30 October, 2013 | Author: Lyle | Filed under: 2013/14, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Travel |
Even though I know I’m going to be in the current place for at least another year (tenancy agreement all signed and sorted etc.) I still find myself thinking about moving on. I don’t plan to do so in the next year, but I’m thinking about it all the same.
Primarily it’s more about “Where would/do I want to be next?“, and then looking at current prices and places, just so I’ve an idea of what might work, along with what and where might be practical.
I’m not sure yet what’ll happen, and whether I’ll move on or not. Looking at the changes over the last year or two, it’s pretty much impossible to plan where I’ll be in a year’s time. For the moment I’m just doing my research, and hoping to keep my options open.
Posted: Mon 7 October, 2013 | Author: Lyle | Filed under: 2013/14, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Thoughts |
In a fit of being organised, I’ve already sorted out another year’s tenancy on the current house. The agreement was signed yesterday, and went in the post, so it’s all sorted.
It didn’t need to be done for another month – it actually starts on Nov 4th – but I’m far happier with knowing it’s all done and sorted.
My landlord would actually be happy with just doing the entire thing on a rolling monthly agreement, but for the time being I’m happier knowing that I’m tied in (and so is the landlord) for the year. Monthly-rolling is just a bit too easy for my liking, too easy for a landlord to say at the start of the month “Ok, here’s your notice” (and I do mean any landlord, for I don’t think mine would actually do this) and then it’s an organisational (and financial) nightmare for that month.
I used to do 12-month tenancy agreements back when I was in Manchester, and I was fine with them then, too. I had some hassle when it came to moving out mid-term (when I moved to be with Herself) but that was fair enough, and kind-of expected. Even then though, they got another tenant, so I only paid I think two month’s rent once I’d moved out. Could’ve been a lot worse. (And the rent now is significantly less than I was paying for the place in Manch, too. Mind you, the house is also about a third of the size of the Manch place)
At worst it’s something I don’t need to think about for the next twelve months. At best, it’s off my mind, so I can fill that space with other ideas and plans. I’ll be in the same place ’til at least my birthday 2014, and that’s fine with me.
Posted: Tue 1 October, 2013 | Author: Lyle | Filed under: 2012/13, 2013/14, Creativity, Domestic, Five Year Plan (now Ten), Getting Organised, Own Business, Work-related, Writing |
So here we are, the start of the final quarter of 2013. Where has the year gone? It’s been pretty busy, but hard to believe that we’re already three-quarters of the way through the year.
Anyway, such is life. Onwards and upwards, and all that rot.
The final quarter of my 2013 is going to be used preparing for 2014 – at least that’s the intention so far. Whether or not it happens in the way I hope, well, time will tell.
The main things I want to do are about preparation, about going into 2014 with some finished developments, stuff to build on/from, and see what happens. There’s likely to be a fair dollop of work being done, and it feels like the right time to be doing it.
Along with the new contract, which should take me through to the end of the year, I also want to :
- Form up a new limited company for some of the business stuff I’ve got in my head and…
- Write the primary framework for at least one of the ideas
- Write the primary business site to attract attention to the products
- Possibly attend a couple of related exhibitions and trade-shows, in order to drum up some more interest
- Also do some maintenance on stuff I’ve inherited (well, been asked to keep on working on) from Previous Employer
- Get on with some writing – there’s one idea in particular I want to work on
- Continue to work on the losing weight / gaining fitness thing
That’s the ideas, at least. It’s going to be a varied three months, I think, but that’s the basic framework…
Posted: Sat 7 September, 2013 | Author: Lyle | Filed under: 2013/14, Bankruptcy, Domestic, Finances, Five Year Plan (now Ten), Getting Organised |
As part of both the Five Year Plan and rebuilding post-bankruptcy, one thing that’s really useful to know is one’s credit score, as well as what records are being held, and what they say.
So I’ve signed up (briefly) to Credit Expert, the happy smiley public face of the credit-reporting/scoring agency Experian.
It’s been an interesting process so far. When I registered to look at the record, I got told I’d got an existing account. Surprising – I did use them about eight years ago while with Herself, but nothing since. So I’ve had to go through a bundle of hoops in order to resurrect the old account, on a defunct email address/domain, because ‘we can’t have two records/accounts for the same person’ (according to their customer services clowns) despite that second account having a new email, address, phone number, and details. (Indeed, it’s kind of spooky that they can make the connection at all, based on the sheer level of change that’s gone on)
Annoyingly, this ‘use your old account’ process means I can’t take advantage of their ’30-day free trial’ offer, but I can live with that, to be honest.
Still, it’s letting me check all the relevant information, and I’m quite surprised to see that things are more positive than I’d expected. I was fully braced for seeing a score down near zero, and rebuilding from there. Instead, because of the ongoing accounts I’ve held over the last year (and more) it’s sat in the “fair” bracket. Which is quite amusing, when you think about it.
There are some bits I want to check out, particularly a couple of accounts that still say there’s large amounts outstanding – despite them being part of the bankruptcy process. I’ll find out what needs doing with those, as (I think) they should be sat along with the other accounts that read “closed”, rather than “In Default”. But I’ll find all that out, and figure out what needs doing.
There’s a long way to go yet, and I have no intentions of ending up back in the same situation I was in last year. But I do want to rebuild, to know I can make use of these things should I ever have to, want to, or need to. It’s not a quick process, but these first steps have shown me that perhaps – perhaps – the process won’t be quite as slow and drawn-out as I was expecting initially.
Posted: Fri 9 August, 2013 | Author: Lyle | Filed under: 2012/13, 2013/14, Change, D4D™, Domestic, Five Year Plan (now Ten), Getting Old(er), Getting Organised, Thoughts |
Somehow, D4D™ has now made it to its eleventh birthday. I never expected it to do so, but I can’t deny, I’m actually fairly proud that it has.
Events over the last eighteen months have meant that the writing here has slowed down, and lost its frequency (and in some ways I feel it’s also lost its way a bit) but I’m going to see how we do over the next year, and wait ’til this time next year to see what happens. I might close it down, I might just keep it with irregular updates. Right now, I just don’t know.
The last couple of years have been – interesting, I think it’s fair to say. D4D’s been through that time with me (well, obviously) and will continue to do so, I think. There’s still a long way on this old journey, and I think/hope the next year (or two) is going to be instrumental in whatever comes next.