Rainy Days

It’s crazy how 2015 has flown by so quickly and quite scary too. The time,  where some start with the whole: ‘new year .. new me’ and making resolutions for the upcoming year, is almost upon us. I have never really been one to make resolutions or vowed to be a new person once a new year approaches.  The beginning and end of the year shouldn’t be about exercising a ‘ new you’ it should merely be about reflection and thinking of ways you can improve, if not, achieve those targets you set for yourself within that year. Well that’s certainly how  I look at it.

At the start of this year I got a pen and paper and wrote down a list of things I wanted to achieve by the end of the year. There were about 10 objectives  I set for myself, but I was only focused on one in particular: being able to have better money management. This isn’t to say that the other nine objectives weren’t important, but I just felt that this in particular was what I needed to work on the most. I have never been good at saving and spending money wisely. I have always lived by this notion that so long as I am working then it is okay to spend how I wish and not save. Well I have certainly discovered that this was absolute nonsense and the wrong way to think.

Around the end of October last year I was made redundant from my former job, and whilst I was happy about this because I wanted to leave that job, but it made me realise why it’s crucial to save money. Normally when you have a  job you save because anything can happen and we all know that in this day and age absolute job stability is a myth. Despite knowing this I still didn’t take my own advice, but instead spent how I wanted to and didn’t worry because the twentieth of every month was  pay day. How silly can one person be? So when I finally left that job I wasn’t really worried as I wanted to leave and  had also secured another job, which was scheduled to start in January. I thought to myself, at the time, ‘It’s only two months away … It won’t be that bad’, unbeknownst to me it was.

I hadn’t saved much from this job and my new job wasn’t starting in about two months, so I felt that it would be easy to grind, as two months didn’t seem that far away. I soon realised that I couldn’t, as  I had received a call from my  recruitment consultant informing me that the job would now commence in March due to some issues the company were having. To cut a long story short, it was at that very moment I knew I was screwed because there was no way I could financially survive, with the little I had saved, until March.

I was so pissed off and angry,but I only had myself to blame and anger wasn’t going to solve anything. Then it hit me! I realised that I needed to get practical.  I had begun to apply for jobs, desperately seeking anything that would have at least given me some form of cash flow until March. I had secured a few interviews which, unfortunately, followed with very little success and with the same old cliches: ‘we’ve hired someone with more experience’, but that didn’t bother me much, because it’s the nature of job interviews; you win some and you lose some.My concern was over the fact that I practically had little money to sustain me through my period of unemployment. This was constantly on my mind, I knew something had to be done and quickly too. I (with great reluctancy at first) signed on for Job Seekers Allowance at the Job Centre, which didn’t entirely solve the problem but, the £114.00 going into my bank account fortnightly, was a start.

Every week I would have to talk to a careers advisor and tell her what it was I wanted to do with myself career wise, which in return she would offer advice on the necessary steps to take and the sort of jobs I should be looking at. This was a nice gesture and all and my advisor probably had my best interest at heart but I just felt it was a waste of time. Which was probably cheeky of me to think because that money was helping me get by.

When I think back and really reflect on the situation, I must say it’s embarrassing.They say experience is the hardest  teacher but teaches you the most valuable lesson (well I think that’s how the saying goes anyway lol), regardless of how the saying goes or whether that is an actual saying, I most certainly learned a lot and why it’s important to save for a rainy day even if you have a good, well paying and ‘secure’ job.

I will never go through such an experience again because I’ve figured out a way to manage my income better so that  I can prepare for hard times and the scary possibility of unemployment however long the spell may last for. We should never let money control us but it is safe to say (well as my aunt always says)  that cash is king when managed properly and when possessed in abundance when faced with unemployment or lack of a substantial income.

 

 

 

 

 

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Time Is of The Essence

There Is No Time Like The Present
There Is No Time Like The Present

When you think about the concept of Time, what springs to mind? Some might say that it’s precious, equivalent to money, the list goes on. We all perceive time in different ways, but most of us can agree that it is precious. What we choose to focus our time on is extremely important as it can arguably affect our lives whether it’s good or bad

As noted earlier many will agree that our time is precious and how we use it is equally important. Have you ever had a moment where you buy something and afterwards you think to yourself; “Why did I waste my money on that”. We as individuals should have a similar attitude towards ‘Time’ . Your time is your time and it shouldn’t be wasted on anyone or anything that doesn’t benefit you. The last things you want to be saying to yourself is “I wish I had never …” or “If only I…” . Living with regret can be so painful and annoying at times because in hindsight you realise what you should have done and even how to do it, but sadly you will never get the chance to because you are unable to go back in time.

In that eventuality you may not be able to go back in time, but you can make a decision to start using your time in a way that will ensure you never have to be faced with such regrets ever again. ” Just as money should be spent wisely, so should ‘Time’ “ , spend your time on things that uplift and make you happy. If you feel that you are currently in a position where you aren’t using your time effectively, you don’t have to be so hard on yourself. Don’t go through life thinking that there is some sort of manual you have to follow, or a set date where you have to do things by. Never feel that time is running out (although it will run out eventually), but there is always time to change the course of your life and pursue happiness.

As I said feeling regret is normal, and yes it can be annoying, but the most important thing about regrets is that we can use it to control how we move forward from situations. Constantly worrying about what you should have done better in a situation is not going to help you tackle it. The only thing that will help you through it is what you are going to do better next time, in the event that it occurs again. Choose to spend your time in ways that benefits your life and on things that your future self will thank you for later on in your life. You may not be able to go back in time but you can always look ahead and take control of your time to fulfill your happiness. As the saying goes: “There is no point crying over spilt milk”, so spend less time worrying about your shortcomings and look ahead and think of all the possible ways you can live a great life with the time you have.