Group learning

Whilst sitting around this lazy Sunday morning I came across this TEDtalk which I found pretty illuminating. Funny how you can see something everyday but not be aware of what it’s purpose is.

I know this is a bit dated and old news to many but new to me and I find the crowd sourcing model very interesting and the fact that in this case it is being used for the benefit of the many.

Running from the rain.

Just getting back to the daily walk gig and the last couple of days have been a taste of what’s to come I feel. I have even had to break out the boots and big coat out. Its a bit of a shock and with the light decreasing time to hunker down. Whilst heading home yesterday I turned to take a look behind me to be met with this view. Not often there is rain chasing the Sun on my walks but we’ve been having some strange weather recently.

Looking at the Sunrise and Sunset times there is no reason why I shouldn’t be getting back to the early morning walks as I have been very lazy over the last month, just need a kick up the behind to get going again!

daily bread..

For a change I was up early this morning and lucky I was as there was no bread left. So on rummaging around in the cupboards I found enough to be able to make some bread. This is  something I haven’t done for a long time and missed the smells of it coming out of the oven. It’s a bit hap hazard as I only had some White flour and a tiny bit of Brown and not my normal 50/50 mix but it came out ok although a bit misshapen. Anyway get to have a proper breakfast with some coffee as think White bread always goes better with coffee and Marmalade.

An easy way of getting out of going to the shops and hey, it’s cheaper. I really should make it more.

Over the yard arm

Things have been rather busy round here with comings and goings but now as we head into autumn things are quietening down and a more normal pace of life returns. In a rather bizarre way I have been out less in the last couple of months and looking back at my runkeeper I can see progress is much better in the cooler winter months than the height of summer where with the long hot days you would think that it would be easier and far more pleasant. Apparently not for me. It is at this time of the year that I turn to thinking about trudging around in layers of clothing and soggy feet. But this year I am going to do something about this state of affairs and invest in some sturdy boots. In the past I have always got cheaper types that have lasted me a reasonable but no where near long enough time. Yes I know that you get what you pay for but I never really saw the point as I was more of a weekend warrior or should that be plodder.

We have two walking shops near us and I am going to investigate them and see what’s on offer. Of course I should have done this at the beginning of summer probably but I do believe in supporting local business as its all to easy to Amazon it and I suppose that maybe in a generation we’ll be shopping that way but I guess I am kinda old school and want to support the local community.

So today also marks the return to the swimming pool after the “kiddies” have returned to school and I am guessing everything is going to ache tomorrow, we’ll see..

Another kickstart

Looking at the stats page on my blog I see that it’s been nineteen days since the last post. Sometimes things do go according to plan and life just gets in the way coupled with this I’ve not been feeling to well but am coming out of it now thankfully. So what next, well, now the kids are back at school I can start swimming next week as this week house repairs are taking up most of my time and also with autumn just round the corner I have to start revising walking schedules to take into account the shortening amounts of daylight. However looking at the sunset and sunrise times until the end of the year I should be able to keep my schedule going unlike last year where as soon as the clocks changed both my motivation and mood changed to that of lethargy and apathy. This year it’s going to be a battle and against the forces of darkness but if I can keep myself buoyed I’ll get to the other side of winter.

Things have been a bit wayside and I haven’t kept up with some of the things I have wanted to do but one of the law’s of life is that there is no time like the present. Having all the time in the world is both a blessing and a curse and quite often it is all to easy to put things off, why put off today what you can put off tomorrow is one of my favourite sayings but looking at it now it seems I am taking it all to seriously. I have never been on for setting goals, one year, five year plans etc probably to my detriment but I am now more focused on moving on from the current state of play. I had an interesting conversation couple of days ago about behaviour and the past and this completely hit a note with me as I have had a tendency to look to the past to try and find answers to current problems however it’s much better to just try and identify and fix what is wrong now.

I have also been following along with themoneygame and thinking about my own game and how I can start moving mine on. At the moment being out of work makes this harder than if I was receiving an income but the flip side is that I use the time I have to start generating money that I would have never had if I was in the 9-5 routine. I has definitely got the juices flowing and opened my mind up to finding alternative ways to generating the much needed cash to progress this and my future goals. I have also come across a couple of podcasts Well Kept Wallet and the The Side Hustle Show that have given me lots of food for thought and am now going back over there archives and after a bit of a break I have started listening again to the minimalists podcast and am thinking about getting their documentary off vimeo as all of my efforts are to this end.

Anyway hopefully normal service can now be resumed and am looking forward again.

The Money Game #2

IMG_1343.jpegThis will be the first of hopefully many trips to the bank in the the coming weeks, months and probably years in the quest to get to financial freedom. Yes there are many schemes out there that promise all sorts of wealth and wisdom and budget cutting plans that help save money but ultimately it all boils down to saving money that you have or can get. There’s no hocus pocus about this and ultimately it all depends on ones own financial position. If you are in the lucky position to have money easily available then you will find this kind of task easy, probably, and I have long believed that the more money one has the more it comes to you as in the rich get richer.. However if you are on a bread line or even worst it is not that simple and I have heard and read articles, blog posts and tweets expounding the fact that anyone can go from rags to riches if only they try hard enough. Now we all know this to blatantly untrue and can see and may have personal experiences of poverty where the only thought is where is the next meal coming from. It is also a lot down to chance, being in the right place at the right time, knowing the right person or people and I can see through my life that this has always been the driving factors to opportunities and choices presented and made by me.

However, as I sit here on my bed writing this post if I had access to the information now available to me via the wonders of the internet life might have been rather different. I am not saying that I want to be the next Bill Gates or Richard Branson though I might have done when I was much younger but certainly financial stability would have been/is high on my list of life goals. Schooling provided no guidance on the world of money and the only real advice was on the day that the local bank manager sat me down and said “this is one of the most important days of your life, much like getting your first job, getting married and buying your first house”. Wondered why at sixteen I was being advised on home buying and marriage as those were the last things my mind at that tender age. As life went on yes I experienced a lot of the check box goals like owning a home, having a nice car, going on memory creating holidays and having a large salary but ultimately that was not built on solid ground and therefore didn’t last, maybe I should have remembered back to that conversation. Obviously economic climates have a part to play in all this and having been through a number of recessions there are times when it seems that there is little or no opportunity to save far from building an life changing amount of cash.

Funnily enough I have had a couple of conversations with family members over the last few weeks that highlighted the lack of financial education through the family and generations. Maybe it’s just that our immediate family was never very interested in money or the creation of wealth with both sides coming from relatively modest backgrounds but I would say it is an average on that on the whole tries to live within its means. Our parents and there parents were the generation coming out of the wars where money and resources were scarce but that lead to conflicting behaviour of abandon and austerity. Were were always taught not to waste anything be that food, cloths, water or even string! However that resourcefulness didn’t extend over into our induction to the world of commerce.

I still feel that my goal is one of need not greed, having no desire for a Ferrari in the drive, big spacious house etc but more a life of freedom, the need not to have to work in the traditional sense. There is an ever increasing movement to no job working and is interesting in the fact that where does the traditional world of work fit if we are all sitting on exotic beaches in far flung places remotely managing our lives from there. Who and what is going to keep the plates spinning. Maybe we are seeing a shift away from the past paradigms to a new form of life, and often the change is happening in plain site but without us seeing as we are too wrapped up in our own existents to see. There are many more clever people working on this but it is interesting noodling in an idyll moment.

I guess this rather long ramble is to the point that I too am now hopefully setting off on that path to my own metaphorical exotic beach and the journey may not be easy but it will undoubtedly be hopefully be fun.

So kicking off documenting I start at Level 77 as I have rounded up £200 and added the £3.87 for this level and now the game commences in seriousness. As I said this will probably be slow progress but we will see.

Update: I failed to add information to how the scale iterates so I will add the Google Spreadsheet on homemoneygame.wordpress.com wordpress site.

The Money Game

Came across The Money Game’s blog on the WordPress ready and its a interesting take on growing ones wealth and as they say it’s not the way you do it it’s that you do it and I for one whole heartedly agree with the sentiment.

I am going to give it a try and like the fact that there seems to be no time limit and can be taken at ones own pace. I have been meaning to take my penny jar to the bank. Its going to be slow progress but lets see what happens.