43

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 MoreAlso 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.
  • IAMDidn’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 companySuccessful. Again it’s been knocked a bit by fluctuations and inconsistencies, as well as a couple of let-downs, but generally successful.
  • Business IdeasKinda successful. I know more about the direction, but need to do the work.
  • Rebuilding the finances50/50. 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.


Changes (Once Again)

At the end of September, I quit my job with nothing to go to. It’s been an interesting couple of weeks – and it’s hard to believe it’s only been a couple of weeks. Anyway.

I mentioned it earlier this month, but haven’t said a great deal in the meantime.

When I handed in my notice, it was with immediate effect. The company in question – well, it hadn’t been fun. Being underpaid by 20% didn’t enamour them to me – and that’s a situation that’s still outstanding – but despite that, they still assumed I would continue to work all hours in order to bring their badly-timed and shitly-specced projects in on time. Indeed, I say ‘assumed’, but it was actually expectations – with real shock when I would have a life outside of work, and wouldn’t be available to keep their arses out of the flames yet again.  The additional fact of not having a contract provided the seal on things.

I did get a contract in the end – one day before I left, and certainly well after the 8-week limit.  Happily, it was breached and invalid immediately, because they’d written the original offer salary on it, which hasn’t been paid at all in the three-and-a-bit months I was there. Oops.

I left with immediate effect, and with nothing to go to.  Not necessarily my wisest move, and not necessarily one I’d choose to make again. I had a bit of confidence from my previous history with interviews and contracts, but all the same that confidence could’ve been a real kicker if I wasn’t careful.

As it is, that hundred-percent interview success rate is now gone – although not by much.

I had two unsuccessful face-to-face interviews – which didn’t disappoint me. For the first, the commute would’ve been at least 90 minutes each way. Great for the whole “unemployed for two days”, less great for energy, sanity, or having a life.  For the second, it was based in London, and the evidence afterwards is that it wouldn’t have been right – I would’ve been offered it, but the company in question U-turned their plans post-interview, so the role I interviewed for didn’t even exist.

Other than that, I had three phone interviews, including the one I accepted. Of the other two, I’ve since been offered one, and got to face-to-face interview on the other.

I haven’t worked out the actual success ratio, and don’t really need to. All that matters is that it took me two weeks from leaving one place to starting another.  And that’s no bad thing at all.


Creativity Locked

Over the last couple of months, my creative side has felt like it’s completely locked up. I don’t particularly know why – although I suspect it’s linked to feeling constantly tired, burned out, and unwell.

After this weekend, I’m making some changes again – mainly employment stuff (of which a bit more tomorrow) but also a few life-based things.

With the new job, I’m aiming to limit myself to work-based stuff just in work hours. With the last couple of jobs they’ve been coming home with me, and it’s been sitting in my head. I suspect that’s been a mistake.  It’s certainly put me in a position where a lot of the time I don’t even want to look at a computer while I’m at home – although again that may be down to also feeling depressingly run-down – so I’m currently hoping that if I limit myself a bit more workwise, I might have the time and inclination to do other stuff when I’m back at home.

It could also be that I’m going through a bit of a depression dump. It wouldn’t be the first time that I get affected like that once the days have started getting longer. I can deal with – and fight – the seasonal depression of long nights and grey days, but once the days get longer I lower my guard, lower my resistance, and sometimes it just hits hard for a while.

I’m hoping I’ll find some ways to reset myself a bit over the next couple of weeks, but we’ll see.

 


Location Fixation

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.


The Next Step

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…


Getting Through

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.

 


Slow Progress

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.

 


Hermetic

The Hermit, from the Rider-Waite tarot deckOver the years, I’ve often thought about finding a nice remote cottage, and ending up as a hermit, more or less. Shunning human contact for the most part, and being able to spend the time doing something creative.

Of course, as most of my nature and work is also pretty techie, the idea of a remote cottage in the middle of the moors somewhere is a bit of a stretch, there not being likely to be decent broadband anywhere nearby. If I were primarily doing writing, I could probably do it – but that particular aspect is still very much a pipe dream, albeit one that I’m still working on when I get the chance.

I still like the idea of it though – it’s still something that sticks with me, and even more so when I do travel up to the North-East and North-West, or Somerset/Devon. Maybe one day – depending on how everything else works out.

In the meantime though, it occurs to me that a lot of my current existence is quite hermit-like in many ways. I don’t interact with people around me all that much – I do with colleagues, to a degree, but in general prefer not to – and I’d rather be in my little house and spending time with my own company.

I have enough broadband (although I’d prefer more, but such is life at the moment) so really it’s the best of both worlds. Or at least it is for me – I suspect it would drive most people mental.

Things may change over time – there’s some things I’d like to change, and others I’m not bothered by – but in quite a number of ways, I’m actually really quite content at the moment. It’s a strange state of affairs.


Fitbit Flex – Sleepy Time

Carrying on from yesterday’s post, I’m writing a bit about how I’m doing with the Fitbit Flex, a wristband pedometer and sleep monitor. Today it’s more about the sleep monitoring that the Flex does.

As with the pedometer side, the sleep monitoring can be a useful tool, but it’s not something to rely on absolutely.

The sleep monitoring is activated manually (which is usually OK, but could be a pain in the ass on occasion) and also needs to be manually deactivated – which is more of a pig, because if you forget, it screws the figures. It would be nice to have some automatic deactivation in there, although I suspect that the variables for it are pretty wobbly.

Based – I assume – on movement during the night, the Flex can report on “Sleep”, “Disturbed Sleep” and “Awake”. “Sleep” is – again, I assume – when the sleeper is motionless, as REM sleep paralyses the body. (which is why most people don’t sleepwalk, or do anything else physical that they’re dreaming about) “Disturbed Sleep” is when the sleeper is moving about. I’ve no idea how it discerns “Awake” though – it pegs my awake-in-bed time as ‘disturbed sleep’- so I assume that “Awake” means “Registered as sleeping, but actually walking around”.   As such, the categories are a bit rough, but at least provide an illustration of sleep quality – or lack thereof.

One thing I do find affects me though is actually looking at the results. (Which is a bit meta and ‘chaos theory’, but bear with me)  It’s one thing to feel like you’ve had a bad night, but it’s another one entirely to know it with the readings from the Flex. And yes, I could ‘leave it’ til later, but damn it, I’m interested.  However, it does make me feel more tired, more justified in being tired, with that knowledge of “Oh yeah, but I had a crap night”.  Seeing the information makes me aware of that crap night, and does affect how I feel during the day.   (Similar to how reading a horoscope first thing can sometimes subconsciously direct you towards doing the things ‘predicted’)

It is interesting though. It’s proven that I usually actually get by on 3.5-4 hours sleep per night most of the time, and that it’s really only when I’m on sub-three-hours that I feel shockingly bad. I have good nights (rare), bad nights (common) and very bad nights (thankfully not quite as common as I’d thought)

I’ll keep on using the Flex for this – as I’ve said, it’s a useful indicator, if nothing else. Whether I continue to be aware of the timings or not, bearing in mind how much that knowledge affects me, remains to be seen.


Fitbit Flex – Taking Steps

It’s now been a couple of months since I got the Fitbit Flex, and it’s been pretty interesting.  I didn’t buy it to boost my fitness, or any of that other rot – I just wanted to see how much I do walk on any given day, keep track of it, and also to look at how I sleep. (which I’ve written about before)

The sleep monitoring is quite useful – although I do wonder about how it affects me subliminally. (of which more later in the week)

For the walking / pedometer, it shows I’m currently walking about 3 miles a day. Not brilliant – but equally, not at all bad. I started this year with the intention of getting out and walking more, and getting into a routine of doing so. (This actually started back in November-ish, but has been more fixed since January) I try to make sure I walk around the village (a decent mile loop) most days – although I still sometimes fail to do so when the weather is truly vile – as well as walking more when I go to the local cinema etc.

The Flex helps me keep track of that, and it’s been useful. There is a certain satisfaction when it buzzes away on my wrist, letting me know that the daily target (currently set at 5,000 steps a day, approx 2.5 miles) has been achieved. And weirdly it does get into your head – I find myself thinking “Oh, well if I park there, it’s a longer distance to get to the shop/cinema/whatever, I’ll be closer to that target” and similar.

If nothing else, it’s a useful tool for just keeping track of exercise through the days and weeks – but also as a minor kick-up-the-arse for actually getting out and walking more.


Getting Stuff Done

So far I’ve started 2014 with the primary aim of “Getting Things Done”, and it’s been fairly positive so far.

I tend to faff about when I get the chance, and even if I start a project, I then fail to complete it (usually by moving on to some New Interesting Idea) so I’m intending that this year is more about starting things and seeing them through to either completion, or to the point of accepting defeat.

It’s been a good start this far, sorting out stuff that’s waited for a while, getting into a new (or at least updated) routine on some things, and so far I’m feeling pretty pleased with it all.

Hopefully the interview yesterday will be successful – it went well, at least – but only time will tell on that.

There’s still other new stuff coming up, and things that need to be started and done, but it’s at least a good start in the first two weeks.

 


Balance

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…


Monitoring Sleep

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.


Year Start

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…

  • Weigh Less
  • Write More

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.


Time Out

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.


Considering Cameras

One thing I’ve stopped doing as much over the last couple of years is taking photos. I miss it, but more and more I’ve been finding that taking the SLR camera out with me is more hassle than it’s actually worth.

I’ve had the SLR for a long time now – since roughly this time in 2005, in fact – and it’s still a great camera. Worth fuck-all now, mind you, but that’s the way of the world. But it has issues that I hadn’t really considered when I bought the thing, and as time goes on I’ve found they’re becoming more of a hindrance.

In short…

  1. The SLR plus lenses is bloody heavy. It’s not something you can easily carry freehand all day, and that means it’s rarely actually available when I want it
  2. The SLR is slow. S-L-O-W. Not when it’s powered up, with the correct lens attached etc. – then it’s great. But for a quick shot of something fleeting? Bobbins.
  3. Unless you know you’re going out with one specific shot (or set of shots) in mind, you need all the lenses, and most of the kit.
  4. As a result, it’s a faff.

It’s a great camera, but with all those points in consideration, I’ve found this year that I just keep leaving it at home. I still love taking photos, but all that extra faff is becoming limiting, it’s making it so that taking photos becomes work, rather than fun.

I was talking about all this with a friend over the weekend, and as a result, I’m currently considering getting a smaller camera, of the sort I used to have in my bag all the time. Decent long zoom, good lens, good image quality, light(ish) weight. Everything that takes it back to being easy and fun again.

It won’t happen just yet, it’s most likely something for the new year.


Pre-booked

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…


6,500

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.


Death of a Bankrupt

Since declaring myself bankrupt in August 2013, I’ve noticed it a lot more in the news. That’s not to say it’s in the news more (or even less) often, merely that I notice it, having been through that process.

So I found the story yesterday about the suicide of Paul Bhattacharjee to be very sad.  From the evidence, it looks like he had been declared bankrupt, and killed himself as a result.

Of course, that wasn’t the entire cause – his widow said he was a “proud” man who had a “darkness inside him that was irreparable”.

‘The bankruptcy was the final straw after a life of major highs and lows’

From a personal side, I can absolutely understand the perceived ‘shame’ of bankruptcy – and probably more so when someone else has declared you bankrupt rather than it being a decision made by yourself. It’s had a stigma for a very long time – and again, it’s an understandable stigma. It’s about saying ‘I can’t afford to pay my debts’, and should never be treated lightly.

However, from my own experience, I don’t think it is The End. In many ways it’s a new start, as I’ve said before. There is a shame, a pain to go with the process – and I wouldn’t recommend it to anyone without knowing their entire situation, or as anything except a last resort. It is emphatically not a quick fix, or a “get out of jail free” card.

But shameful? In these days of debt, loans, finance and borrowing? I don’t know that it’s as bad as it was even fifty years ago. It’s more commonplace certainly – although at the moment it appears that personal insolvencies and bankruptcies are falling (and have been since 2009)

personal_insolvencies_since_2003

(That graph comes from the Insolvency service, and is copyrighted to them)

I completely understand why someone would feel the stigma and shame of being declared bankrupt and feel the need to kill themselves as a result – and probably even more so when that person also already has a history and core of depression – but in many cases it is not The End. It is  the end of the stress, the pain of being chased from pillar to post by creditors, the hassles of interest, mounting charges, and juggling finances, knowing that it’ll only take one tiny change or event to push you off the edge of the cliff.

It’s not an easy process – I know I’ve no intention of ever going through it again, and (as I’ve said already) I wouldn’t recommend it to people except as a final option. It is the death of many things, of the life you know, and sometimes of the things you have. It’s a loss, and as such perhaps is a thing to grieve, to regret, to learn from.

But what it also is, though, is a relief. A new start. An ability to rebuild your life from a stable foundation, to build everything back in a better, more stable – and a debt-free – manner. It’s a struggle, but it’s also a new life, if you allow it to be.


Listing

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.


Business Banking

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.


The Coming Year

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…

  1. Weigh less
  2. Write more
  3. Take the IAM  advanced driving test
  4. Sort out my own company again – although there’s a lot that goes into that
  5. From there, develop a couple of business ideas
  6. Keep on rebuilding finances throughout the year.

That’ll do, I think