2016/17 – What Happened ?
Posted: Sat 4 November, 2017 Filed under: 2016/17, Bankruptcy, D4D™, Domestic, Five Year Plan (now Ten), Food, Getting Old(er), Getting Organised, Health, Introspective, Rebuilding, Single Life, Thoughts Leave a comment »So, a year ago I listed the following as the plans for 2016/17…
- Continue rebuilding the finances, and keep boosting the savings
- Exercise, improve health, lose weight
- 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)
- Write more. (And ideally complete/publish some)
- Do more of the ideas around my own business
- Get out less. Ideally, some kind of middle-ground between being ultra-quiet/sensible, and the idiocy of the last year
- 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?
- 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
- 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
- Walking Marathon : Failed utterly, as I’ve wittered about at length. But I’m already signed up for the 2018 one…
- Write more : Failed utterly. There are ideas, but as with Health, I’ve been abysmal at doing less, so yeah. Bugger.
- 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.
- 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
- 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…
Stasis
Posted: Wed 1 November, 2017 Filed under: Bankruptcy, Domestic, Rebuilding Leave a comment »This week, it’s the start of a new tenancy agreement for me at the current house – yep, I’m going to stay here for another year.
I know I’ve said this before, but staying put like this is – for me – very odd. It’s already the place I’ve stayed the longest since I left school, by a long shot.
Indeed, the village is also now the longest I’ve stayed in one location, too – Manchester lasted a decent time, but I was in three different houses while I was there.
So, it’s all a bit strange. But at the same time (and again, as I’ve said before) the main thing with being here is how easy it is to get away from it. That, really is the primary reason for staying here – everything else is easier, and my range for commuting and so on is just ridiculous.
There have been other reasons for staying here too, but they’ll have probably faded out by then. So I don’t know whether the decision will be the same next year or not.
For now though, I’m staying put.
Expensive
Posted: Wed 4 October, 2017 Filed under: Bankruptcy, Domestic, Finances, Getting Organised, Rebuilding, Thoughts Leave a comment »For a number of reasons, the last month has been idiotically expensive. Some of it has been voluntary, some of it has been necessary. All of it has added up.
In the last month or so, it’s included…
- Four new tyres for the car (Necessary, as all four were getting close to their wear limits)
- MOT for the car (Necessary!) – thankfully, it only needed two new bulbs, so the MOT itself wasn’t all that expensive
- Car Insurance – (Necessary, but also Voluntary – I paid the entire lot at once, rather than monthly, which saved about £60)
- Tickets to see a band called The The in London next year (Entirely voluntary, of course)
- Tickets to see Macbeth at the RSC in Stratford-on-Avon next year (Also entirely voluntary)
- Tickets to see Titus Andronicus at the Barbican in London early next year (Voluntary)
- New walking boots (Necessary, considering the damage I sustained from the broken old ones)
And that doesn’t include all the usual stuff.
So yeah, fairly expensive. It’s all still within my budgets and limits, and the majority will be paid off this month – but all the same, it’ll be nice if I can have a quieter October and November, with less outgoings!
Five Years A Bankrupt
Posted: Thu 10 August, 2017 Filed under: Bankruptcy, Domestic, Finances, Rebuilding Leave a comment »It’s five years today since I declared myself bankrupt. As of today, I’m in the final year of it being on my record – and who knows what’ll happen from there.
It’s been a tough process, and it’s not one I’d recommend to anyone else – if nothing else, I’m pretty sure that most people going through it would also end up losing a lot more than I did – but for me, it’s worked out for the best.
I’m sure I’ll have more thoughts along the way, and will end up writing another post for a year’s time, when it’s finally all done and dusted.
Something New
Posted: Fri 14 July, 2017 Filed under: Bankruptcy, Customer Services, Cynicism, Domestic, Finances, Getting Organised, Rebuilding, Technology, Thoughts Leave a comment »Over the last week or so, I’ve been trying something new (well, new-ish) in the financial sector – Monzo.
I’ve been aware of a few of this type of “new banking” start-ups of late, but Monzo interested me when I read this article that talked about how closely it kept track of payments, and their whole customer service set-up. In my own experience with banks, it’s customer service that is their greatest weakness, so I’m interested in how other ‘non high-street’ new financial organisations address it.
At the moment it’s “only” a pre-paid credit card option, driven entirely through a smartphone app – but they’ve got their banking licence, and are aiming to be starting a current account as well, again all driven through smartphone apps.
So far, the experience has been pretty good. (Note – for purposes of this, I used my iPhone – I can’t say anything at all about the Android version) I got the app through the App Store, and went through the initial stages. Basically, just a name and date-of-birth for verification purposes, and then they order your card.
This took some time – but the expectations were managed all the way through, showing the queue of applicants, where I was in that queue, how many people were before me, and how many after. Now, my cynicism kicks in slightly here, as I noticed that the number of applicants always stayed around the 25,000 mark, so it *could* just be a steady flow of incoming customers, or it *could* be all smoke-and-mirrors guff to make me think they know what they’re up to.
It took about four days to get to the top of the queue (I could’ve jumped places if I’d promoted Monzo on social media, but frankly, fuck off) and once that happened, I got a notification to say so. This was where the identity stuff came in, and needed address details, plus an in-app photo of driving licence for proof-of-address, and a 5-second video to prove I’m real.
I’ve done an initial top-up (of a completely manageable amount – if the entire thing turns out to be a scam, I won’t be screwed) and the card has been sent to my home address. It’s due to arrive today, at which point I’ll have to connect it to the app – slightly annoying, as surely they know all the necessary details already – and then it should be ready to go.
I’ll write more about it in a month or so, once I’ve used it and seen how I feel about the entire thing. So far, though, it’s been an interesting and positive experience – I hope it continues to be so!
Fixing Things
Posted: Wed 5 July, 2017 Filed under: Bankruptcy, BT, Business, Customer Services, Cynicism, Domestic, Five Year Plan (now Ten), Getting Organised, Rebuilding, Thoughts, Travel Leave a comment »So far, this year has involved a number of customer service clusterfucks, some of which I’ve mentioned on here, and it looks like a number of those issues are now on the way to being sorted, thankfully.
That list includes
- The Cat boots – successfully returned to manufacturer, and a replacement pair are (apparently) on the way
- The Credit Card company – seems to be sorted, with outstanding issues rectified.
- My Accountants – this has been something that’s been ongoing for a year or more, where they’re just ridiculously slack and uncommunicative. If it weren’t for the fact that they’ve been free (for the last 18 months!) then I’d have moved on well before now.
The free stuff is a story of its own, but basically when I complained to director level at the end of 2015, they told me I wouldn’t be charged until they’d fixed the issues. Eighteen months later, the issues are still there, although having had some productive conversations with the Operations Director, I think they’re turning the corner at last! - BT – Hopefully, that’ll be sorted today. The engineer is due between 8am and 1pm, and fingers crossed things will be sorted.
There’s a couple of other things coming up that so far seem positive, but I’m waiting for them to come through properly before I write about them.
All told though, yeah, it’s all feeling a bit more fixed and positive.