D4D

Life Jim, but not as we know it.

Archive for the category “Rebuilding”

Slump

Things have been quiet on D4D of late. Basically, I’m in a bit of a slump, and at the moment I’m not quite sure how to get out of it.

There’s a lot of reasons behind it, but mainly it’s down to an overbearing feeling of stagnation, or being a bit bogged down. I’m used to having change in my life, and at the moment it’s not really there. Some of that is inertia, some of it is still the final stages from the bankruptcy process and some of it is the current state of things. But it all adds up to an overall sludge – and while I know I want things to change, I also don’t quite know what I want to do next, or where I want to be.

Domestically, I’ve been in this house for seven years. That’s by far the longest I’ve been in any one place since I left the family home. I was looking at moving last year when the tenancy came up, but that was only just after the bankruptcy finished, and I didn’t want to push things while it was still showing up on credit checks and the like.  So I’m thinking about it for this year – but there’s also nowhere that’s dragging me, nowhere that I’ve been and thought “OK, this is where I want/need to be”, and it’s all a bit up in the air. There’s still time, though.

Workwise, I’ve been working on the same project for more than three years. (Probably closer to 4, all told)  And while we’ve got a lot done, there still feels like no end in sight (things keep on being added in to it, or stuff is more complex than initially expected) which doesn’t help. I like contracting in general for exactly this – that each contract is finite – even though they can (and usually do) get extended, they still have an end date where I can say “Nope, I’m done”. This one is open-ended, and it’s feeling more and more like a proper job and blah blah.

Outside of those two things, there’s so much doubt about what’s going on in the UK – with Brexit being delayed even further, it’s left everything in limbo again, of not knowing what’ll happen with it, and what’ll happen with jobs, economy and so on if and when it happens. I can’t deny, that all contributes to the current sense of stagnation.

I’m not depressed – well, no more than usual – and I’m still getting out and getting other stuff done. It’s just that I’ve not got the time or energy for anything extra. I wish I did, but I don’t.

I’m going to keep on working on it, though.  I know I need a couple of new projects to be getting on with – but I also need to find the motivation to get it going. That’s where the stagnation is really hurting – I know I need and want to change, but right now the drive to change things is also being blocked.

I’ll figure it out, I know – I always do, and always have done.  And hopefully it won’t take too much longer to turn the corner.

The Joy of Tech

Yesterday, while doing a quick shop on the way to work, I suddenly realised I’d left my wallet at home. Bugger.

I was just about prepared to take everything back to its shelves/locations, when it occurred to me that actually I was still OK – I had my phone with me still. That meant I’d got the ability to make a contactless payment – and because I’d also added the details of my Monzo card/account to the phone, it meant I had everything I needed.

It’s pretty amazing, the way these things have now become so much more mainstream than they were ten years ago, or even five.  Since I got the Monzo card eighteen months ago (it’s the only one I have that also connects into my ApplePay account on the phone) I’ve stopped carrying cash except for specific occasions – for example, the car wash I use still only takes cash.

I still prefer to carry physical cards (hence usually having a wallet) but it was still interesting to realise that forgetting it is no longer the “Oh shit!” moment it used to be. (So long as I remember my phone, and that I can use it, anyway)

Ain’t progress grand?

Closing The Year

And so we’re at the end of 2018. And as such, it seems apt that the last post of the year should be a quick assessment and overview.

All told, it’s been a good – and busy – year.

There’s been more travel than usual, with that week in Toronto to add into the bargain.

There’s been more work, but also more fun times, trips out, meals, etc.

I’ve been doing a lot of work on weight-loss which has ultimately ended up not doing much – but I have more knowledge, more figures, and the steps I’ve taken have improved my health, strength, stamina, and resilience. They’ve just done sod-all to lose actual weight. But I’m OK with that, and it’s something I’ll continue to work on.

On the downside, I’m ending the year with a bit more debt than I’d like. It’s nothing earth-shattering, nor even major. A fair chunk of it is for tickets for things in 2019, of which another decent chunk is owed to me by others for their tickets. But all the same, it’s more than I’d like it to be.

However, in a fit of progress and being grown up, it’s also now all in one place, with zero-interest ’til 2022, and it’ll be done by the end of 2019.  I could do it even quicker if I wanted – and I may do so – but it’s all under control, and I’m OK with it.

There are, as always, things I haven’t done – no matter the good intentions, they just haven’t happened. I’ll continue to work towards those things, and I’m going to write more about that tomorrow.

All told, it’s been a positive year, and I’m feeling pretty good at the end of it.

Nearly Done

Today marks the six-year anniversary of when I declared myself bankrupt.

The next twelve months is the final stage of it all – Bankruptcy is a strange edge-case when it comes to credit-score reporting, because it actually has a duration.

If it had been a simple marker, it would expire today and all would be well.

But because it lasts a year, it doesn’t come off the record until six years after the bankruptcy period *ends*. So, another year of it being on the record.

It’s an oddity, and one that seems to confuse a lot of people when it comes to asking about when these things expire.

Still, only another 12 months to go. Could be worse.

Fiscal Alterations

Over the coming year, there may well be some interesting changes in the finances, although I don’t completely know yet whether they’ll happen – because no-one is willing to give a definitive answer.  Needless to say, that’s frustrating. But hey ho.

The change, if it happens, will be significant. Basically, come August 2018, it’ll be the full six years since my bankruptcy was declared.  In theory, that means it should come off my credit score, as all things do after six years.  The thing is, no-one can tell me whether it’ll happen. It might be that it won’t come off for a further year, because while it was declared in 2012, the official bankruptcy period lasts a year, so it remained ‘active’ until 2013.

Even when I’ve asked financial advisors and debt counselling people, the best answer I’ve been able to get out of any of them is “It depends”

If that’s the case, it won’t come off my record until August 2019. It’s still livable with, and there’s nothing hyper-urgent or anything about clearing the record. It’d just be nice to know.

Once that’s off my record, then it’s a case of onwards and upwards. I’m doing OK already, but really it’ll be nice to have the clear record. Indeed, for now it’s the only thing that’s holding things back, so I’m looking forward to having it gone.  But only time will tell when it’s going to happen.

2017/18 – What’s Next? The Coming Year

As is traditional round these D4D parts, I lay out my hopes and/or plans for the coming year on my birthday. Like New Year’s Resolutions (and as likely to be completed, it seems) but on a different arbitrary date. Because why not? It’s as good a day as any.

That list for last year (2016/17) wasn’t massively successful, mainly due to my inability to get out less, so I’m hoping to be slightly more realistic this year…

So, the plan for the coming year is…

  1. Keep rebuilding the finances, adding to savings and so on.
    By the end of this year, I’ll have completed the whole bankruptcy process, and it should be off my credit history. (As I understand it. Some people have said it only comes off at six years from the end of the bankruptcy period, which’d make it September 2019. We’ll see)
  2. Exercise more, lose weight, improve health
    Another ongoing process, carried over from 2016/17
  3. Complete September’s walking marathon
    This imploded epically in 2017, so it’s another carry-over.  And this year I’ll do some more training, and not destroy my feet four weeks before it…
  4. Write more
    Actually complete some stuff, and see what to do with it from there.
    I’ve also got some tech answers to this, giving me more time and space for writing (I hope)
  5. Do less
    I’ve written about this before, but I am *really* bad at doing nothing. Lazy days do my head in, and I end up feeling stupidly guilty about “wasting” a day.  But conversely, I’m acknowledging that I do need downtime for other things. So I need this as a reminder.
  6. Business ideas
    Look at completing some of the business ideas and plans, and see what I can do with them from there.

And for now, that’s it.  I’m hoping it’ll be a bit more successful than last year’s list!

2016/17 – What Happened ?

So, a year ago I listed the following as the plans for 2016/17

  1. Continue rebuilding the finances, and keep boosting the savings
  2. Exercise, improve health, lose weight
  3. Complete September’s walking marathon – ideally in under seven hours. (My target is more ambitious than that, but I’ll be happy with 7 hours)
  4. Write more. (And ideally complete/publish some)
  5. Do more of the ideas around my own business
  6. Get out less.  Ideally, some kind of middle-ground between being ultra-quiet/sensible, and the idiocy of the last year
  7. Look more at some political ideas, and see how that goes. (This one’s the random ‘maybe’ one, I don’t know if anything will happen with it or not)

How did it go?

  1. Finances : Yeah, not bad.  Not at the totals I wanted to be at (which is a familiar theme) but I did what I wanted to, so I’m happy with that one
  2. Health : Less so. I haven’t gained any weight, but nor have I lost much. Good intentions have been undermined by an utter failure on Number 6, and life getting in the way of things
  3. Walking Marathon : Failed utterly, as I’ve wittered about at length.  But I’m already signed up for the 2018 one…
  4. Write more : Failed utterly. There are ideas, but as with Health, I’ve been abysmal at doing less, so yeah. Bugger.
  5. Own Business : Kinda. I’ve written out more of the plans, got some ideas in code, and been looking at other stuff. But actually done? Nope.
  6. Get Out Less : Also an utter failure.  I’ve been out loads, and in many ways have kept even busier than I did in 2015/16 – less Michelin-starred restaurants, but more things
  7. Politics : Looked at the ideas, but in the current political climate of Brexit and so on, getting involved on that score strikes me as…. less than wise.

So what’s on the list for 2017/18? Well, we’ll cover that tomorrow…

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