The Ultimate Incentive muddles along

kavics17

Sorry to hear about your brother Cinny.

We have had the best christmas since Leo died. Spent lots of time with new guy, visited his family, my family and played a lot with mini Kavics. She thought everything was magical so mission accomplished I guess.

I need to make lots of decisions in the new year so decided not to stress about them but face them as they come. I might try to change my job too as I feel really stressed, also will budget month by month. No other ones, just will try to focus on things.

wendz86

Sorry to hear your brother wasn't pout of hospital Cinny. I hope the surgery went well yesterday.

Hope Evie is ok with her ankle too CMD.

Christmas was lovely here, first one without kids with me all day but I had them till late Christmas day morning and had a lovely relaxing afternoon with my parents.

Haven't really got any new years resolutions apart from lose the stone I've gained in the last few weeks and try and be less wasteful with money.

ruby_eskimo

Just de-lurking to say I hope everything went well with your brother's operation Cinny and that Evie's ankle is ok CMD.

The Tuesday before Christmas I got rear-ended on the motorway on my way to work. Luckily I managed to walk away from it with some aches and pains and nothing too serious but could have been so much worse. Car's been written off and the money they've offered me is more than I thought they would but not enough to replace the car. I'm very lucky that my parents have loaned me some cash to buy a new one which I pick up on Saturday. But it's not exactly what you want just before Christmas!

Happy new year to you all, here's hoping that 2018 goes a lot smoother than 2017!

Dinah93

Hope the surgery went well Cinny.

How is Evie CMD?

Glad you're okay Ruby.

New Year, I'm working smarter, not more. If that means sending the 20 boxes of stuff 'for ebaying' to the charity shop, so be it. I've made £3400 in the last 4 days selling places on my courses, and they're not quite full yet. I do have room hire to take off that, and I need a bit more equipment as I increased my class sizes, but I'm still a good £3k in the clear. That's going off credit cards. February hopefully will be not too far behind it. This should be my monthly income going forwards if I focus on work, which would mean we could politely stick two fingers up to IVAs, DMPs and really make headway. The turn around in our finances compared to a month ago has been epic.

Cinny91

Happy New Year everyone

Poor Evie, and right before Christmas! And sorry to hear about your accident too Ruby. What rotten luck we've had!

So lovely to have a positive post from you, Dinah I really hope 2018 is a good year for all of us, but after how your 2017 started I think you're owed a big boost in 2018.

Brother's surgery was cancelled as there was a flu outbreak on his ward, but he's booked in again tomorrow. So hopefully it doesn't get cancelled a second time.

No massive resolutions over here. Determined to get this bloody loan paid off, aiming to keep the dining room table for just dining on and not a dumping ground. You know, thrilling stuff :rotfl:

Dinah93

Hear you on the dumping ground. Currently we refer to the study as 'the room of doom'. It doesn't help that it doesn't actually have a desk.

2/4 assignments handed in. Wanted them all in by yesterday but didn't quite happen despite 14 hours going cross eyed on the laptop. Should get 3/4 handed in tonight as it is close.

£122.50 of places sold so far today, sounds like amazing numbers, and it is, but I then go through about 4 weeks with almost no income before the next course opens for booking. It'll be interesting to see what demand remains like after the January bubble, I currently have 80 people booked onto 6 taster workshops in February, if even 25% of them converted onto the full course after half term I don't even know where I would put them!

wendz86

Working smarter not more sounds like a great idea Dinah. I think time is worth a lot and you can't work yourself into the ground.

I have started the month well with a £7 amazon voucher back from delay repay on the trains. Planning to split any money i make between my holiday fund and birthday fund for the girls.

Dinah93

Just calculated that if I continue to run the same timetable I have now at 80% occupancy (currently at 96%) for 39 weeks a year (term times), same workshops etc then I'd be earning around £48,000 a year. If I grow it at all the only way is up. That's not a bad wage 1 year into self employment

Dinah93

New year not so new to do list

1. register on yoga near me type websites
2. do lesson plan for assessment
3. list nearly new sale stuff of good value on ebay
4. find funding sources for mum
5. do business plan for mum
6. Order 4 more strops
7. Finish Amazon fulfilment printing set up
8. Label and send items to amazon
9. Pregnancy yoga assignment
10. Sent out a random ppi query (very unlikely)
11. Take complaint to ombudsman/L&G
12. Plan lessons for new term - renew and restore workshop, yoga shred, pregnancy first few lessons
13. Complete assignment 6
14. Order updated flyers
15. NIM uniform tax claim
16. 2016-2017 Tax Return
17. Find somewhere for phone and computer repairs
18. Set up M&S minimum payment
19. Shpock wardrobe
20. Schpock mirror table
21. Update mailing list
22. Chase up why NIM is being charged twice for his 3
23. See if we qualify for different water tariff
24. Investigate printful
25. Send old and new power companies meter readings
26. Sort refunds for all students who need them
27. Pay pregnancy yoga fees
28. Pay assessment fee
29. Sort new car insurance
30. Post amazon parcels and Christmas present return(mum and I got Ben the same game )
31. Email potential cover teacher
32. Loose the plot entirely with Victorian Plumbing
33. Book Ben onto an activity (gymnastics, french, football... he said biscuits when I asked what he wanted to learn to do)
34. Create aerial flash cards
35. Create yoga flash cards
36. Timetables (yoga & family)
37. Invoices
38. Pay mortgage Monday 8th
39. Pay council tax Monday 8th
40. Request new bank card.... again
41. HSBC Credit card payment
42. Work out all credit card interest rates so I can throw a large chunk of money off the biggest one
43. Do current debt update, face the sig, feel the fear
44. Send money to Jane
45. Pay Andrea
46. Listen to all messages on both answerphones

Dinah93

I've accepted giving up my Sunday evening for more aerial students, I make £116 for each class I teach, so if I run an extra for the 5 weeks in January then that's £700 or so more off my debt, and I can filter them into my regular week classes once the new year rush is over.