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.

Thought of the day – Piggybank Plan

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It’s Sunday afternoon on a bank holiday weekend and things have been rather slow over the last week and a impromptu dash to collect family for a holiday here took some getting over due to travelling on the hottest day of the year and being stuck in a traffic jam for nearly two hours in 40ºC and the very energetic niece and nephew have slowed progress in all things but hey..

So to down to the point of the post here is a picture of a wallet, a wallet with some money in it, my wallet. Something that I once took for granted and used every day now it sits forlorn on a shelf sometimes for weeks but now is the time to start changing that. I have managed to accumulate surprisingly a grand total of one hundred and seventy pounds through a number of avenues and adventures and I am now trying to think of ways to grow this. There are so many things out on the internet on how to spend money, save it and make it that it is somewhat fuddling and there are plenty of experts to tell you how you should be maximising your profit potential. In reality it is down to effort and determination both things I have a drought of at the moment but the intention is to see if I can grow this a bit up until Christmas to help pay for the inevitable present buying bonanza.

A couple of things are on the horizon for earning a bit of extra but I like the idea of using what one already has to make more. I suppose I should of been out selling umbrellas as we are having a typically wet bank holiday or it could have been wellies or ponchos you get the drift. But the idea of taking a seed and growing appeals to me just putting it into practice is harder but for now the thinking cap is fully on. The piggybank tales will continue.

Pins & Needles 

As one who comes from a long life in internetland I am surprisingly ill informed about what’s going on out there on ‘the street’ and as we speak I still haven’t tried the latest big things like Snapchat, Instagram and Pokemon Go. On the whole probably won’t as I find it hard enough to keep up with Facebook and Twitter so adding in more layers of distraction to the day is not productive for me even if it is to get one outside, I get enough of that anyway.

However yesterday I dipped into Pinterest and wow what a new world of distraction(s) I never realised I needed it till I looked at it and the ease which you can build up boards for in my case reference material is pretty slick. In the past I guess I would have trawled Flickr and Google images etc and then linked to them or built up my list of links in Notes whereas now I have one place I can go to and just the diversity and holes to disappear down are just endless.

Now I know I am probably the last person in the world maybe the universe to discover these wonders but if you haven’t taken a look over there now is the time. I can see some serious work going into browsing Pinterest and building up my home building reference library for one.

Just for the record you can see my fledgling pins over here

Early one morning

I set off on my early morning walk today and got a few step on my way and thought that this was such a lovely morning I should really get the bike out and give it a go. It is really hr best time to do it before the roads become clogged with traffic as the lanes are not very wide and meeting anything on them usually means having to get off and out of the way specially for all the farm traffic and with he wind in ones ears it’s not always easy to hear traffic coming.

Its a six mile circuit which doesn’t sound much but there are a couple of ferocious hills that need to be climbed and although my bike has a ridiculously low gear to the point it is quicker to get off and walk it is still a bit of an effort. Having watch the Tour de France and the Olympic road race it feels puny compared to that but it was a bit of a workout that I don’t normally get on my walks. I did get off and walk a bit as thought it might be safer and quicker to get up but if the weather is the same tomorrow I’ll give it another go and see if I can get up all in one go.

Interestingly it wasn’t much more calorifically than the walk I do but it did take less time so unless the weather is really nice I’ll stick to the walking as I enjoy this more and I can collect sticks which is a bit difficult whilst pedalling along..

Anyway lets see if the weather holds and if I can go a bit further next time. No pain no gain it is said..

Just a reminder

IMG_4379.jpegPopped out yesterday evening to see a bit of the sunset as not had the weather to see the Perseid spectacular in the previous couple of nights due to it being overcast and rainy. Well worth the little trek and maybe in a week the heather will really be a blaze of colour, hopefully we’ll get a similar opportunity to capture it at its best.

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After nearly three years I have finally got my Raspberry Pi2 out of its box and powered it up after having to hunt around for all the bits and bobs. I was surprised that I managed to find it all as I had packed away in different places and wasn’t sure it would actually start up.

So now to the fun bit, what actually to do with it? Probably the first thing to try out is a media centre as it is the easiest to configure. I booted with the standard Rasbian and set up the ssh and webmin servers so I can run it headless and looking at some forums should not have to worry too much about power outages though I may look at providing some UPS in the future if I start using it on a permanent basis. There are many, many projects out there for this little mini computer and I like the idea of using it for some home automation stuff and it might be a fun tool to run some solar power tests down the line. In fact there are many projects out there to get stuck into. For £35 you can’t go wrong and with the RPi3 being even better it would seem that the Pi is going to become quite an important part of the hacking/open sourcing tool kit for some time to come.

Anyway just though I would mark the point