D4D

Hasta La Muerte, Motherfucker

Archive for the category “Five Year Plan (now Ten)”

New Year

Normally, I don’t celebrate New Year – I couldn’t give a shit about midnight, Auld Lang Syne, fireworks and so on. Entirely not my thing.

However, over the last few years, I’ve been going out for meals on New Year’s Eve, and being back home (or, more usually, still driving home on beautifully clear and empty roads) by midnight.

This year though, it’s all a bit underwhelming – even the offering at Helene Darroze (where I went last year) is disappointing, as there’s very little change from what I had last year. There’s nowhere else that’s massively grabbing me as a “want to try” (or at least nowhere that’s currently released their menu)  so for now, I’m really not sure what I’m going to be doing.

Mind you, right now I’m actually quite OK with that, of actually doing sod-all for New Year.

Attempting Sensible

In ‘minor miracle’ news, I’m actually trying to be a bit sensible.

The weekend just gone was (for me) quite quiet. I’ve been burning the candle at both ends again, and taking a blowtorch to the middle, so by the time Friday came round I was pretty much done in.  So I opted for making the weekend a quiet one – as well as idiotically busy during the weeks, I’m also aware that next weekend is hyper-crammed, so a quiet one was a sensible option.

Then I did have stuff booked in for the weekend after, and I’ve cancelled that out. I may regret it, but anything that was booked up for it, can be re-booked for another weekend. The downtime is needed.

Of course, my brain lets me down on these things – because I’ve cancelled those things, it’s now saying “Ooooh, it’s free, you can do [x], [y] or [z].”  So far I’ve succeeded in not succumbing to that seductive “You’ve got to be doing something” voice but as always, it’s a struggle.

We’ll see how it goes. As always, I know I’m at that point of needing the time off, but it’s still hard to persuade my brain that doing nothing is OK.

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.

Already Taken

This morning I came across something that sounded really interesting – Yorkshire Sculpture Park are doing a “Room to Breathe : Four walks in four seasons” event, walking and talking around the park, similar to outdoor/walking therapy.

(Facebook event details here, which includes the dates and so on)

Then I looked on my phone at my diary. Oh cock.

So… despite the event being on four different dates through 2018 (right through to September) I’ve already got stuff booked in on each of them.  All four, already taken. *sigh*

You know when I said that one of my targets for 2017/18 was to ‘do less’? Yeah, look how that’s already working out…

803

Yesterday, I got an email from Runkeeper, the app I use for tracking most of my walks.

According to them, in the last year I’ve tracked 803 miles – which isn’t bad, but does still “only” total an average of 2.2 miles per day for the year.

So I did OK (and I’m aware that there’s a lot that Runkeeper doesn’t track, for a number of reasons) but still, I know I can do much better than that…

Come this time next year, it’ll be interesting to see whether I have done more or less than this year’s 803…

Challenge, as they say, accepted.

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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