Posted: Fri 6 November, 2015 | Author: Lyle | Filed under: 2015/16, Bankruptcy, Domestic, Finances, Five Year Plan (now Ten), Thoughts |
One of the more important things for the coming year will be continuing to rebuild my finances.
The first – and, to some degree, the biggest – step comes at the end of this year, when I make my final payment of the bankruptcy period. Really, that’s the end of it – from there, it’s just the time to rebuild and make progress. And that’ll be the plan in 2016.
Once the payments are done with, I’ll be putting the same amount into a savings account instead. I’ve got used to it going out of the account, and it’ll be the start of a good process.
I’ve got some further ideas, but the basic outline will be to build the savings up over the year, and have a decent amount by the end of the year.
I have an idea about giving myself the ability to have some time off in 2017, and the initial stage/target of that will be to have amassed at least six months pay in savings – to be able to fund a break, if that’s what I still decide to do, once this year’s plan is completed.
In similar vein, I’m considering overpaying on my bills, adding in some padding on that score as well.
Of course, it’ll also depend on having stability this year work-wise. I know my current contract will come to an end, so there’ll be a time for getting a new one and seeing what happens from there.
But all told, right now at the start of this next year’s plans, I’m feeling pretty optimistic and positive about the whole thing.
Posted: Thu 5 November, 2015 | Author: Lyle | Filed under: 2015/16, Bankruptcy, D4D™, Day Trips, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Own Business, Thoughts, Travel, Weigh Less, Work-related, Write More |
Following on from yesterday’s “what happened in the last year” post, now we get to the fun stuff, the “What’s going to happen in the coming year?” post.
Although, to be honest, some of those goals aren’t going to change much. I currently see 2015/16 as a year that’s more about consolidation, of building from the foundations of 2014/15.
So, the outline goals are going to be
- Continue rebuilding finances.
- Continue with health/exercise/weight-loss stuff
- Write more
- Develop more things based around my own business
- Get out more
There will be some significant changes during 2016 that I already know about and/or expect – as well as a number of things unexpected and un-planned-for.
Among the expected changes, I know that I’ll definitely be looking for at least one new contract sometime in that year. As yet I don’t know exactly when, but I can live with that – when it happens, it’ll be fine.
Also, the final financial stage of my bankruptcy will come to an end early in the year, and I’ll have paid off the three-year repayment plan. (That’s happening later than the three-year anniversary of the actual declaration, because it takes time to organise and sort out in the first place) I plan to keep making that payment, but into my own savings account, which will (obviously) help build things up.
Finally, I may end up moving by the end of the year. Or I may not. I don’t know for sure. Actually, that most likely won’t be in this time-span, as my 12-month tenancy agreement renewal starts today. I may know that I will be moving (as I’d have to give a month’s notice to end the tenancy etc. etc.) but the odds are that I won’t have actually moved. If I decide to do so.
I’ll write in more detail about those outline goals over the next few days, and see what they bring.
For now, I’m just happy to have some ideas about what’s going to come next.
Posted: Thu 13 August, 2015 | Author: Lyle | Filed under: 2015/16, Bankruptcy, Domestic, Finances, Five Year Plan (now Ten), Getting Organised |
This one’s not quite on the actual anniversary of it happening – mainly because there was a small matter of D4D™’s birthday happening on the same day – but it’s close enough that it’s all good.
Anyway, it’s now three years since I was declared bankrupt, and it’s been a long old road.
I’m happy with where things are, and it’s all looking positive. There’s still a way to go – the next stage comes at the end of this year, but really from here on it’s all about rebuilding. Much the same as it has been for the last couple of years, but it’s a continuing process. Long may it continue to be so.
Posted: Wed 3 June, 2015 | Author: Lyle | Filed under: 2015/16, Domestic, Five Year Plan (now Ten), Food, Getting Organised, Health, Introspective, Thoughts, Weigh Less |
Last year I did pretty well when it comes to weight loss, dropping two stones over the year. (It was actually a bit more, but then went up again towards the year end) The plan this year is/was to do more of the same, and lose a similar amount of weight.
So far, that’s not gone well. It stayed pretty stable through January to April, and then May was – for unknown reasons – really bad. Basically, I had a real desire for sugar, coupled with a lot of idiot days, journeys, activities and meals. It felt pretty non-stop, and for whatever reason from that, my brain/body wanted sweet stuff.
When I weighed myself on Monday, I’d put on nearly a stone, which has really annoyed me. I’ve been pleased with the weight loss, so putting some back on is a bit of a setback.
But it’s only a setback, not a major issue. From here on things are a bit calmer again – although saying that I’ve still got weekend trips to Oxford, Manchester and London coming up – and I’ll reduce that sugar intake again. That has, I think, been the main trigger for weight gain.
I’m going to get back to doing some other stuff too, and seeing how things go. But that’s the plan, and I’m not changing my goal for the year. I just have to work a bit harder than expected to get there…
Posted: Thu 1 January, 2015 | Author: Lyle | Filed under: 2014/15, 2015/16, Business, Creativity, D4D™, Domestic, Finances, Five Year Plan (now Ten), Getting Old(er), Getting Organised, Photography, Resolutions, Sociable, Thoughts, Travel, Weigh Less, Work-related, Write More, Writing |
As regular readers know, I don’t really do New Year’s Resolutions. It’s partly my knee-jerk response to the whole “Everyone else is doing it” ethos, which means I won’t. But also New Year is just an arbitrary day for making plans – and I tend to do it from birthday to birthday, for no better reason than that it’s an easy day to remember as a start/finish date.
Anyway, with that said I do have plans for 2015. Sometimes plans work better on a calendar year instead of birthday-to-birthday – although there’s also a couple of ideas and plans this time that would also work better to a fiscal year, April to March. But for the sake of argument I’ll stick (for now) to my usual resolution/plan structure, while also acknowledging the whole 2015 thing.
What I won’t do is go into reams of details – I know what I want to do, and I’ve got most of it written down in to-do lists and the like – but it can all be summed up in four key points, which can be summarised as:
- Create More – includes writing, photography, and web-based work/business plans
- Do More – includes activities, day trips, longer weekends, and perhaps even a holiday or two.
- Save More – working to rebuild finances, build up some backup savings, and restore the credit score.
- Weigh Less – the goal is to lose another two stone in 2015, which is what I also lost in 2014. So it’s feasible.
And that’s “it”. Obviously there’s details, sub-plans and sub-goals in there as well, but they’re the key points. They’ll do me for now.
I’m hoping that 2015 will continue in the positive direction that started in the last quarter of 2014. I’m quite sure there’ll be some hiccoughs and roadbumps along the way – that’s realism rather than cynicism, my life is never a truly smooth process – but with any luck at all it’ll be a positive year, and lots will get done.
And if not, if things go wrong, then I’ll just do what I can, and keep on in the same way as I had to with 2014.
But I do hope that 2015 is positive and constructive. That’s the intention, at least. But we’ll see.
Posted: Sun 21 December, 2014 | Author: Lyle | Filed under: 2015/16, Change, Cynicism, Domestic, Festering Season, Five Year Plan (now Ten), Food, Introspective, New Year, People, Personality, Single Life, Sociable |
As I’ve said many times before, I’m pretty comfortable with being single, with living my own life, and not really needing any company for a lot of things. I’m happy going to concerts on my own, and to the cinema – indeed, doing most things like that. It suits me and the way I am.
However, there’s one thing I don’t like doing on my own – and get your minds out of the gutter, please! – which is going out for meals. I don’t know why it affects me more than other things – there’s not really any logical reason for it – but it does.
So, in 2015 I’m going to be addressing it a bit, and forcing myself to do it. There are places (both local and further away) that I really want to go to, and so this coming year that’s what I’m going to do. There’ll be a list of places I want to visit – which I may put on here, or may not – and we’ll see how I do.
And I’m starting the way I mean to go on. Earlier this month on Twitter I saw a New Years’ Eve menu that I *really* fancied at a place in Cambridge, and I’ve been wavering on it. But having decided to get my arse in gear with this, I got in touch and booked myself in – and I’m really looking forward to it.
It’s also the first time in *cough* years that I’ll have been out on New Years’ Eve – although it’s quite likely I’ll bugger off before midnight, because I’m still an antisocial bastard who doesn’t like people all that much…
Posted: Tue 9 December, 2014 | Author: Lyle | Filed under: 2014/15, 2015/16, Domestic, Driving, Five Year Plan (now Ten), Getting Organised, M1, M25, Photography, Travel |
On Sunday, I trolled off down to Brighton for the day. I haven’t been there in years – the last time was a flying visit five years ago for an interview, and before that it had been a number of years too – but realised it’s just about the same distance as Felixstowe is (they’re both a two-hour drive time) to get to, so what the hell.
I don’t know Brighton as well as I should, and so having a wander around was also appealing. It’s on the list of ‘places I could re-locate to at some point’, so seemed like a worthwhile explore – and I was right on that score.
Being December, it was pretty blowy and chilly – although less cold than a December Sunday would suggest – but that’s never bothered me all that much. I lived by the South Coast for a couple of years before, and have no real issue with cold. That was the flat where the freezer shut off because it was colder outside the freezer than inside it, and where more than once I woke up with frost on the top of the duvet. Sunday, by comparison, was almost summery.
As it turned out, the weather made it ideal for what I actually wanted – waves, and the sound of the sea on shingle beach. Walking along one of the groynes/piers (not one of the Proper Piers, but the little jutty-out ones) was a joy, just for getting out to be where the waves were hitting the beach.
And then the sun came out, and it was even better…
All told, I think it’s a place I’m going to go back to a lot more in the coming year. It’s an easy run, and I think I could really get to quite like the place.
There’s others still on the list too – something I’ll be writing about at some point this month, I’m sure – but yeah, Brighton is definitely now more of a destination, and pretty high on the possibility levels too.
