Memorygirls - Make Do and Mend

tellmeitsfriday

Emsky* wrote: »

Thanks tellmeitsfriday!" Seen as though I work in accounts & I'm training, it's not looking good the fact I can't add,divide & multiply :rotfl: x

I dunno - there are loads of finance related people on here - all seem to be in a real pickle with money!

So either:
1) We smugly allow ourselves to beleive we are good with money whilst sinking slowly into the spiral of debt

or

2) We are fairly good with money (now) and are working on sorting it out - whereas there are zillions of others out there who haven't started to deal with it yet....

A book there maybe, for someone who can actually write coherent sentences x

What training are you doing - if you need a hand I might be able to assist x

Emsky*

I'l pm you so we're not hijacking the thread with accounts :rotfl:

Lara44

So my hourly rate is £50.94, that's for my quadrupled income, not the household (although it would keep both of us!!). At the minute I earn £6.30 which is my wonderful student funding which I am so grateful for as effectively someone is paying me to do something I am really passionate about and improve myself. I could have taken a higher 'wage', but I am using my scholarship to pay for my Uganda trips, lots of conferences and some training schemes which I think will benefit me more than money at this stage.

I don't finish until 2013 (gulp) but then this will be a natural step up in terms of wage (I hope, if these austerity cuts aren't too severe)! I think I will just take this PhD as a special time in my life where I really get to do something amazing. But aswell following the lessons of Mr Big slowly and also Firewalker's excellent plan for 'passive income streams'. I have one idea for a website to share all the unusual wedding venues we found that are cheap in London. Not sure if it will work but it was so hard to find affordable places. It would be great if we could share the info for free and get some money from advertising and affiliate links.

We have a shared ownership house where we own 40% with a mortgage and the housing association own 60% which we pay rent on. It would have been hard for us to get a mortgage to buy on the open market as OH is self employed. But I have this crazy idea that we can pay off the first 40% in 5 years. Currently our rent is £295 which I don't fancy paying for the next 25 years. If we paid off in 5 years it would save £140k. I would love to staircase up to 100% - so even though now is not the right time I am up still up for the challenge, ready for 2013 takedown! I started looking into ways we could possibly afford a house years before we actually had the money. We were just ready to move when this little gem came up and we have managed to get something amazing - 1970s but with so much light and space. It has brought us so much happiness already.

tellmeitsfriday

Emsky* wrote: »

I'l pm you so we're not hijacking the thread with accounts :rotfl:

But but but... accounts is fun - it wouldn't be a hijack! (I replied x)

Houdini

Wow MG! What a roller coaster of a day that was for you yesterday.

I am still trying to come up with ideas that might help...

Before I moved out to the desert, I coordinated training in the legal sector in London. Are you on 'Linkedin'?? You are welcome to connect with me on there and network with my contacts. I will PM you about that.

I think your hourly rate of £87.95 is easily achievable for training/seminars if you are dealing with firms direct (for London at least - I don't know how rates compare elsewhere).

Some companies have their own creches onsite, so perhaps this could be an option for DS2 - and some creche time could be built into your contract?

Phone & email coaching was becoming a big thing when I was in London - is this something that would work in terms of your areas of expertise?

Can you post some details about your books on your blog? Many people will be coming across your blog who may not be from MSE, so it would be great to advertise them was widely as possible. Us followers can add some glowing reviews on there too. I seem to remember a while ago you said you personally had 300 copies of each of your books - is this a finite number or can you get hold of any more for free?

Also your network is international as I'm in the UAE - if there is anything I can do out here on the ground I will do my utmost to help.

Firewalker

Lara44 wrote: »

I don't finish until 2013 (gulp) but then this will be a natural step up in terms of wage (I hope, if these austerity cuts aren't too severe)! I think I will just take this PhD as a special time in my life where I really get to do something amazing. But aswell following the lessons of Mr Big slowly and also Firewalker's excellent plan for 'passive income streams'. I have one idea for a website to share all the unusual wedding venues we found that are cheap in London. Not sure if it will work but it was so hard to find affordable places. It would be great if we could share the info for free and get some money from advertising and affiliate links.

Lara, the website idea sounds promissing. I think here Hypno will have to join Mr Big and Firewalker - don't forget the omnipresence of the 80:20 rule. Only 2 out of any ten ideas you try will work.

Key points:

1) Don't only think and analyse but do implement your ideas (I mainly analyse)
2) Have clear benchmarks so you know which two ideas really work;
3) Concentrate on the one that work rather than the ones that don't;
4) Keep two; try ten more; keep two etc.
5) Grow like an ameba (when you think about it very efficient, actually)

Good luck, dear. And you are right about putting your Doctorate first - our chief assets are our competencies and our mastery of particular skills.

Firewalker

Memory_Girl

hypno06 wrote: »

I'm a stockbroker :o:o

only for just now - my money is on you for prime minister

mG

macgirl

Double_Trouble wrote: »

This is getting funnier by the minute Mac MG isn't a SB she just didn't know that Hypno was - this is fiction - but it would be interesting as to how much Hypno relates to it :rotfl::rotfl::rotfl:

DTxx

PS She isn't a SB yet the way things are going who knows what we will all be doing

Glad you find it funny DT. I'm sat here wracked with guilt that I've offended yet another MSE'er and I'm never posting again!

Memory_Girl

macgirl wrote: »

Oooh sorry MG, that was meant as a light hearted dig at Hypno - not you! :o:o
I didn't know you were a SB too - no offense intended

im not so no offence taken - lol. it was the story in one of those magazines you get at the dentists - you know the real life stories kind.:rotfl::rotfl:

except the finding mse bit obviously - i just made that up - but wouldn't it make a cracking story if st martin had shown her the way:D

the stockbrokers i met whilst designing some software (on a mind map of course) were on the whole a rather sober and serious lot - one guy, who i got on really well, with described himself as "the kid at the back of the physics class who knew all the answers"

he was actually quite sweet - and after months of "subtle" and not so subtle tweaking of his dress style, tie choice, contacts, haircut by the girlies in the office - he landed himself the most beautuful fiancee i have ever seen. no seriously she could be on a shampoo commercial:D

i was dead jealous actually cos i secretly fancied him myself:cool:

he's still in the city - and that is now 18 years on, so i don't think its all "Wall Street" and early burnout at all - having said that there were a few young guys who were, well typical loud lads, with bigger wallets than most their age that the real women wouldn't touch with a barge pole iyswim?? but i bet you they have all grown up now as well.

mg

Memory_Girl

macgirl wrote: »

Glad you find it funny DT. I'm sat here wracked with guilt that I've offended yet another MSE'er and I'm never posting again!

hey you can't offend me - I'm a mother

but i have had such a giggle - after yesterday you lot are a breath of fresh fresh air - thank you:D