Super-Specific

Another set of thoughts about advertising, I’m afraid. It’s becoming a bit of a theme at the moment – although that probably indicates I’m watching too much TV, or something.

Anyway, in this case the advert in question is for Lloyds TSB Bank, and their Vantage account.

The ad is making a big deal of their 4% AER interest rate. But take a listen, (and/or a look) at the conditions.

  • To qualify for that rate, your account must have a minimum balance of £5,000, and the interest rate is payable up to a maximum balance of £6,000
  • You have to open an account and have two direct debits set up by the end of October
  • Your account must have at least £1,000 paid in each month, and must stay in credit

Indeed, it’s so specific, I wonder whether anyone will actually qualify for this ‘deal’ at all…


New Accounts

A big part of the bankruptcy proceedings involves having to change bank accounts, and that took a while.

I’ve moved from the RBS scumfucks (that’s a whole different story) now to Co-Operative bank, which I have to say is a major change for the better.

Changing banks isn’t an easy process at the best of times – obviously there’s a lot of necessary changes, for everything both coming in and going out, and it’s taken time to get it all sorted, but I think it’s now done.

In fairness, the process of getting the account itself sorted out was really easy. It’s just been the moving of  everything that’s been a swine – the list included salary, insurances, direct debits, standing orders, bills, payees, and debit card details.

It’s another step though, and I think it’s now all done. There’s probably something I’ve forgotten, which’ll rise up to bite me in the arse, but for now I think I’ve got it sorted. We’ll see…


Fault Lines

This last few weeks I’ve been thinking a lot about fault, about responsibility, and about change.

I’m not perfect – thank the Lord, I’ve never claimed to be – and the recent events are a wonderful example of that. I’ve made mistakes, and plenty of them – bad decisions and bad judgement calls. And I take the responsibility for that. Even the bankruptcy isn’t absolving me of that responsibility, I’ll still be paying, except it’s through the Official Receiver.

I’ve made bad decisions, and I’m learning from them. I won’t make the same ones again.

Sure, I’ll make other ones – I’m not perfect. But I do at least try my best to not repeat the same ones.

I’m not trying to lay fault for my actions and choices, I’m not absolving myself. The bankruptcy is ‘just’ a more affordable way of taking that responsibility – one I can actually live with, and manage.  It’s made a major change to my life, in a good way, but it doesn’t mean things are easy. Not by a long chalk.


New Beginnings

Despite the bankruptcy now being (already) nearly a month old, today really is the new start of things.

I got paid yesterday – and a hearty hallelujah on that one – and it’s been a revelation, even “only” not paying off debt and interest, and in not then having to just juggle remaining money for the rest of the month.

There’s still a long way to go, but the beginning is looking good.


30 Things

via Blue Witch , I came across Black Dog Tribe‘s “30 things to stop doing to yourself“.  It’s a great list – I think probably most people don’t do all of them, but most do some of them, at least.

I’ve copied it here for posterity, and so I can come back to it when I want/need to. It’s particularly relevant for me at the moment, with all the other stuff that’s going on, so I hope it helps others too.

  1. Stop spending time with the wrong people. – Life is too short to spend time with people who suck the happiness out of you. If someone wants you in their life, they’ll make room for you. You shouldn’t have to fight for a spot. Never, ever insist yourself to someone who continuously overlooks your worth. And remember, it’s not the people that stand by your side when you’re at your best, but the ones who stand beside you when you’re at your worst that are your true friends.
  2. Stop running from your problems. – Face them head on. No, it won’t be easy. There is no person in the world capable of flawlessly handling every punch thrown at them. We aren’t supposed to be able to instantly solve problems. That’s not how we’re made. In fact, we’re made to get upset, sad, hurt, stumble and fall. Because that’s the whole purpose of living — to face problems, learn, adapt, and solve them over the course of time. This is what ultimately molds us into the person we become.
  3. Stop lying to yourself. – You can lie to anyone else in the world, but you can’t lie to yourself. Our lives improve only when we take chances, and the first and most difficult chance we can take is to be honest with ourselves.
  4. Stop putting your own needs on the back burner. – The most painful thing is losing yourself in the process of loving someone too much, and forgetting that you are special too. Yes, help others; but help yourself too. If there was ever a moment to follow your passion and do something that matters to you, that moment is now.
  5. Stop trying to be someone you’re not. – One of the greatest challenges in life is being yourself in a world that’s trying to make you likeeveryone else. Someone will always be prettier, someone will always be smarter, someone will always be younger, but they will never be you. Don’t change so people will like you. Be yourself and the right people will love the real you.
  6. Stop trying to hold onto the past. – You can’t start the next chapter of your life if you keep re-reading your last one.
  7. Stop being scared to make a mistake. – Doing something and getting it wrong is at least ten times more productive than doing nothing. Every success has a trail of failures behind it, and every failure is leading towards success. You end up regretting the things you did NOT do far more than the things you did.
  8. Stop berating yourself for old mistakes. – We may love the wrong person and cry about the wrong things, but no matter how things go wrong, one thing is for sure, mistakes help us find the person and things that are right for us. We all make mistakes, have struggles, and even regret things in our past. But you are not your mistakes, you are not your struggles, and you are here NOW with the power to shape your day and your future. Every single thing that has ever happened in your life is preparing you for a moment that is yet to come.
  9. Stop trying to buy happiness. – Many of the things we desire are expensive. But the truth is, the things that really satisfy us are totally free – love, laughter and working on our passions.
  10. Stop exclusively looking to others for happiness. – If you’re not happy with who you are on the inside, you won’t be happy in a long-term relationship with anyone else either. You have to create stability in your own life first before you can share it with someone else.
  11. Stop being idle. – Don’t think too much or you’ll create a problem that wasn’t even there in the first place. Evaluate situations and take decisive action. You cannot change what you refuse to confront. Making progress involves risk. Period! You can’t make it to second base with your foot on first.
  12. Stop thinking you’re not ready. – Nobody ever feels 100% ready when an opportunity arises. Because most great opportunities in life force us to grow beyond our comfort zones, which means we won’t feel totally comfortable at first.
  13. Stop getting involved in relationships for the wrong reasons. – Relationships must be chosen wisely. It’s better to be alone than to be in bad company. There’s no need to rush. If something is meant to be, it will happen — in the right time, with the right person, and for the best reason. Fall in love when you’re ready, not when you’re lonely.
  14. Stop rejecting new relationships just because old ones didn’t work. – In life you’ll realize that there is a purpose for everyone you meet. Some will test you, some will use you and some will teach you. But most importantly, some will bring out the best in you.
  15. Stop trying to compete against everyone else. – Don’t worry about what others are doing better than you. Concentrate on beating your own records every day. Success is a battle between YOU and YOURSELF only.
  16. Stop being jealous of others. – Jealousy is the art of counting someone else’s blessings instead of your own. Ask yourself this: ‘What’s something I have that everyone wants?’
  17. Stop complaining and feeling sorry for yourself. – Life’s curveballs are thrown for a reason – to shift your path in a direction that is meant for you. You may not see or understand everything the moment it happens, and it may be tough. But reflect back on those negative curveballs thrown at you in the past. You’ll often see that eventually they led you to a better place, person, state of mind, or situation. So smile! Let everyone know that today you are a lot stronger than you were yesterday, and you will be.
  18. Stop holding grudges. – Don’t live your life with hate in your heart. You will end up hurting yourself more than the people you hate. Forgiveness is not saying, ‘What you did to me is okay’. It is saying, ‘I’m not going to let what you did to me ruin my happiness forever.’ Forgiveness is the answer- let go, find peace, liberate yourself! And remember, forgiveness is not just for other people, it’s for you too. If you must, forgive yourself, move on and try to do better next time.
  19. Stop letting others bring you down to their level. – Refuse to lower your standards to accommodate those who refuse to raise theirs.
  20. Stop wasting time explaining yourself to others. – Your friends don’t need it and your enemies won’t believe it anyway. Just do what you know in your heart is right.
  21. Stop doing the same things over and over without taking a break. – The time to take a deep breath is when you don’t have time for it. If you keep doing what you’re doing, you’ll keep getting what you’re getting. Sometimes you need to distance yourself to see things clearly.
  22. Stop overlooking the beauty of small moments. – Enjoy the little things, because one day you may look back and discover they were the big things. The best portion of your life will be the small, nameless moments you spend smiling with someone who matters to you.
  23. Stop trying to make things perfect. – The real world doesn’t reward perfectionists, it rewards people who get things done.
  24. Stop following the path of least resistance. – Life is not easy, especially when you plan on achieving something worthwhile. Don’t take the easy way out. Do something extraordinary.
  25. Stop acting like everything is fine if it isn’t. – It’s okay to fall apart for a little while. You don’t always have to pretend to be strong, and there is no need to constantly prove that everything is going well. You shouldn’t be concerned with what other people are thinking either — cry if you need to — it’s healthy to shed your tears. The sooner you do, the sooner you will be able to smile again.
  26. Stop blaming others for your troubles. – The extent to which you can achieve your dreams depends on the extent to which you take responsibility for your life. When you blame others for what you’re going through, you deny responsibility — you give others power over that part of your life.
  27. Stop trying to be everything to everyone. – Doing so is impossible, and trying will only burn you out. But making one person smile CAN change the world. Maybe not the whole world, but their world. So narrow your focus.
  28. Stop worrying so much. – Worry will not strip tomorrow of its burdens, it will strip today of its joy. One way to check if something is worth mulling over is to ask yourself this question: ‘Will this matter in one year’s time? Three years? Five years?’ If not, then it’s not worth worrying about.
  29. Stop focusing on what you don’t want to happen. – Focus on what you do want to happen. Positive thinking is at the forefront of every great success story. If you awake every morning with the thought that something wonderful will happen in your life today, and you pay close attention, you’ll often find that you’re right.
  30. Stop being ungrateful. – No matter how good or bad you have it, wake up each day thankful for your life. Someone somewhere else is desperately fighting for theirs. Instead of thinking about what you’re missing, try thinking about what you have that everyone else is missing.

Enjoy.


Changing Status – The Costs

Of everything to do with the bankruptcy proceedings, I think I found the worst bit to be the costs involved. Yes, if you didn’t know (and why would you unless you’ve had to do it?) it costs a significant amount of money to declare that – um – you have no money.

It costs £175 for the court fee, to get everything processed. That’s not so bad, and I can pretty much understand that one.

The other costs is a stonking £525 for costs of administrating the bankruptcy. That one I have rather more issue with.

So all told, it’s £700 to pay in order to declare that you’ve got no money.

And yes, if you’re prepared to wait and go through the process of being declared bankrupt, it’ll cost you nothing (I think) but that takes significantly longer, so if you’re fiscally stuffed anyway, you’re just going to keep on juggling for longer.


Changing Status – Getting It Done

Despite the bad advice from the Insolvency Service, getting the bankruptcy sorted was surprisingly painless – indeed, it was far easier than I’d been expecting it to be.

I had filled in all the paperwork before time, which obviously made life easier as well. The documents are all on the Insolvency Service website and the how-tos and advice are very useful.

Even at the wrong court, the people were really helpful. (We’ll gloss over the person from Bedford court who didn’t know the court’s postcode…) Bedford were also really understanding of the cock-up – one suspects it’s happened before – and did their utmost to get things sorted.

I’ve never actually been in a court building before – never done jury service, never done anything court-worthy (or at least never been caught) – so I was pretty nervous, it’s fair to say.

I was fully expecting to have to see the judge / magistrate, but as it turned out that wasn’t the case. I paid the fees (of which more in another post) and waited. I had to go round to the court waiting room while the usher(?)  took the documents to the judge. They came back, with everything signed off – I didn’t even have to go in.

And then it was just the time to get the order typed up and processed, and that was it. Less than two hours, from entering the building to leaving it.