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  • FIRST POST
    • Puddleglum
    • By Puddleglum 24th Mar 19, 7:07 AM
    • 631Posts
    • 4,907Thanks
    Puddleglum
    Picking myself up and dusting myself down!
    • #1
    • 24th Mar 19, 7:07 AM
    Picking myself up and dusting myself down! 24th Mar 19 at 7:07 AM
    Hello Dear Diary,

    I have resisted starting writing you for a long time as I have been busy racking up the debt and knowing that I had to continue racking it up for a while. Now though it has to stop.

    A bit of background.

    I had paid off all my debts and cleared the mortgage, retrained as a health coach. I left my job and decided not to do supply teaching to keep me going but to concentrate on starting up my new business for as long as possible before going back to paid employment.

    Well it has taken a bit longer to get going than I hoped although I suppose that 6 months is not a particularly long time. My Grandfather always reckoned that it took 3 years to start a business. I have enough money to see me through April (just) if I put a bit more on the credit card but I am staring at an empty cupboard for May unable to meet any bills unless I get some money in.

    So - hi, ho, hi, ho! It's back to supply teaching I go. I am in the process of getting a DBS sorted out and when it is I will also offer tutoring. The exam marking season is coming up and there are some temporary jobs available with NCS which I will get on and apply for. I've resisted all this because I was afraid that working would dilute my focus on the business and indeed the last 2 weeks I have not been very productive. More staring at the ceiling in the middle of the night thinking "HELP!!!!!" than actually getting out there.

    You dear diary are going to help me stay accountable. To do both. Get myself back on track financially and get the business off of the ground.

    Pull yourself together Puddleglum - let's go!
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 69.13/80
Page 2
    • Puddleglum
    • By Puddleglum 8th Apr 19, 6:56 AM
    • 631 Posts
    • 4,907 Thanks
    Puddleglum
    Ever onwards, ever upwards.

    Do you know the Narnia books PB? If I ever go on Mastermind they are going to be my specialist subject. Anyway, in the final book, the children keep going onwards and upwards and your post reminded me of that

    This week looks fairly optimistic. I've got some money coming in each day Mon to Fri. Nothing booked for next week. Eeeeeeek! Panics, runs away, calms down and comes back.

    Really keeping an eye on the pennies now and wishing slightly that I'd done that a bit more when I had more money! But... If I don't advertise, network, put myself out there no one will know I'm here. A friend suggested that I sign on for UC but I can see them telling me to go back to Somerset and take the sensible route.

    Anyway - onwards and upwards. Planning needed and breakfast.
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 69.13/80
    • Puddleglum
    • By Puddleglum 9th Apr 19, 6:43 AM
    • 631 Posts
    • 4,907 Thanks
    Puddleglum
    Feeling a bit flat this morning. Hard to identify the reason.

    The supply agency contacted me yesterday to say they didn't have my National Insurance number. How did that happen? I've filled in so many forms for them.

    I got told off for advertising in a local FB group. True I hadn't read the terms and conditions very thoroughly! So I apologised and the admin was ok about it.

    Have had one more person contact me about my group challenge so if I can get a few people together I'll run it again starting on Saturday.

    The belt is well and truly tightened here. No coffee as that's a luxury. Two meals a day and no snacks. I say no snacks as I have nibbled everything in the cupboard that is nibbleable. All that is left is a tin of sardines and they are earmarked for tomorrow's breakfast.

    On a brighter note, I have one proper client today, a tutoring session and an initial consultation to do. Time to stop being flat and get on with it!
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 69.13/80
    • jwil
    • By jwil 9th Apr 19, 6:43 PM
    • 10,282 Posts
    • 35,727 Thanks
    jwil
    Hope you are feeling a bit chirpier now.
    "If you can dream it, you can do it". Walt Disney
    • Puddleglum
    • By Puddleglum 10th Apr 19, 11:01 AM
    • 631 Posts
    • 4,907 Thanks
    Puddleglum
    Hi Jwil, great to see you!

    Things did get better as the day went on. I hit despair when the people I have been training with said that they were taking the money out of my account even though I had applied for a payment holiday and been awarded a month off. Plenty of emailing later and it turned out to be a case of right hand and left hand not knowing what each other was doing. All, all right in the end!.

    I brought in 80 yesterday. Total in bank now (drum roll please) 349. Client yesterday hasn't paid - better remind her. That will be a new challenge, tactful reminders.

    Should net 70 today. Need 900 minimum by the end of the month. This is going to be tight!

    So money saving today. Not buying anything except some eggs for breakfast for the next few days. I might use my National Trust card and go for a walk this afternoon after tutoring as the property is on my way back. very light touch on the accelerator. Look for free parking even if I have to walk miles. This will be quite a challenge on Friday as I have to go to Reading for an NCS assessment. 10 to park for 5 hours!

    There is a park and ride scheme though which will only cost 5. Better look into that.
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 69.13/80
    • PositiveBalance
    • By PositiveBalance 11th Apr 19, 10:56 PM
    • 1,017 Posts
    • 5,378 Thanks
    PositiveBalance
    You're doing very well to drum up so much business on your own in little time. Well done!


    Long may it continue!
    Original debt to source: 11,640.02; debt repaid: 6771.01 (58%); remaining debt: 5069.01
    0% CC balance: 4999.67 now
    1517.56 (69.65% repaid)
    Emergency Fund (#187): 500/500
    Terrimundi: fleeced!
    • Puddleglum
    • By Puddleglum 14th Apr 19, 9:05 PM
    • 631 Posts
    • 4,907 Thanks
    Puddleglum
    Hi ya PB!

    I think that everyone who manages to get themselves established in a business has to go through periods of dark despair, near bankruptcy, cancelled plans and general woes. Not many of them let on though. "Oh, it was a breeze. I just fell off that log and was a millionaire before I brushed my teeth." Yeah, right!

    Because it is hard people aren't keen on cooperating with others in the same field which is a shame because competitors are rarely in the same niche and we can learn so much from each other. I'm really fortunate to have found a few people to work with and share skills with.

    Will be back tomorrow with a cunning plan for the week. A bit of FB posting beckons now
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 69.13/80
    • doingitanyway
    • By doingitanyway 15th Apr 19, 10:17 AM
    • 4,221 Posts
    • 25,550 Thanks
    doingitanyway
    Hi Puddleglum.
    You are doing great. It will be hard initially but you will get there as you seem so determined.
    Wishing you all the best
    Target by end of Aug goal: 500/4000
    Car costs savings: 275
    • Puddleglum
    • By Puddleglum 15th Apr 19, 5:08 PM
    • 631 Posts
    • 4,907 Thanks
    Puddleglum
    Hi doingitanyway. Thanks for the vote of confidence! Today has been good. I've picked up another 4 hours of tutoring for this week and there is potentially another two hours still to come so that will be 11 hours in total.

    Next week is still a bit of a mystery. I may well be doing supply but it will be good if I can dodge at least some of that as I am booked onto two courses, Tuesday and Thursday. The Tuesday course is about sales techniques and can be dropped more easily than Thursday's which is all about using LinkyInny.

    I met someone for coffee this afternoon who is working in a similar area to me. We may be able to collaborate in the future and I have picked up some ideas for getting funding. Didn't ask what the lead time between applying and approval was though :-(
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 69.13/80
    • Puddleglum
    • By Puddleglum 22nd Apr 19, 6:44 AM
    • 631 Posts
    • 4,907 Thanks
    Puddleglum
    Time for an update.

    I have got 20 left in my food budget for the month which will probably be spent today and I will have to stretch it as far as poss to get to the end of the month.

    There are 10 tutoring sessions booked for next week which is a relief as that means that I can pay for May (just!). I will have to underpay my landlady again - she's probably keeping a record and I may have to ask for a second month holiday on my course fees but I'm still going!!!!

    I got the public speaker trainer role with the NCS which I'm hoping will work out to one day per week over the summer. It may not be as much as that though so will brace myself for disappointment. Need to get the paperwork done for that today.

    Apart from buying some food and a bottle of wine I have not spent anything or driven the car anywhere this weekend which is a bit of a plus. One of the things I love is a drive around the Somerset Levels in the sunshine; parking up and going for a walk. Instead I have been mucking out the house. More to do today before heading off back east for the week but my rule is that any money I find while cleaning is mine, all mine. I'm about a quid up on the weekend.

    Next week I'm going to put together my signature program so that I'm very clear in my mind what I'm doing when I talk to people and spell out my sales funnel on paper. Clarity and conviction converts clients (sounds good whether it works or not)!
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 69.13/80
    • Puddleglum
    • By Puddleglum 22nd Apr 19, 9:40 AM
    • 631 Posts
    • 4,907 Thanks
    Puddleglum
    Popping back to make note of serious point.

    Minimum credit card repayment for this month is 107. I have no choice at the moment other than to plough on but the mind is being sharply focussed!

    Goal for future: repay all debt by the end of 2019. No plan as yet but have liberated an extra 10p from the tumble dryer. #cleaningpays
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 69.13/80
    • PositiveBalance
    • By PositiveBalance 22nd Apr 19, 9:10 PM
    • 1,017 Posts
    • 5,378 Thanks
    PositiveBalance
    It might not feel like it, but I think the amount of business you have managed to drum in next to no time is phenomenal!


    Long may it continue!


    Happy belated Easter, Puddleglum and here's to even more business in the near future.
    Original debt to source: 11,640.02; debt repaid: 6771.01 (58%); remaining debt: 5069.01
    0% CC balance: 4999.67 now
    1517.56 (69.65% repaid)
    Emergency Fund (#187): 500/500
    Terrimundi: fleeced!
    • Puddleglum
    • By Puddleglum 23rd Apr 19, 6:28 AM
    • 631 Posts
    • 4,907 Thanks
    Puddleglum
    Happy Easter PB! We can do this!

    My number one trick to beat insomnia let me down last night (UToob documentaries) and I ended up actually listening to quite an interesting film about climate scientists. No closer to solving the problem of climate change BUT I realised that in order to pay my friend what I owe her for a hotel room in a few weeks I just need two extra tutoring sessions.

    So will stick an ad up in a few FB groups in a little while and see what happens.

    I have a moral dilemma. A few weeks ago an agency sent me details of a tutee. I visited said tutee and they decided not to go for it and I informed the agency. Yesterday they came back and asked me to visit. Now they may change their mind again and nothing may come of it but my dilemma is whether or not to tell the agency. If I don't, I save myself and them money in agency fees. If I do, it indicates honesty and they may send me more work. This is the only contact they have sent me so suspect that they may not have believed me in the first place when the contact decided not to proceed.

    Other MSE tasks for today. Find out the true scale of my financial woes and work out a plan to fix them.
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 69.13/80
    • Puddleglum
    • By Puddleglum 24th Apr 19, 9:12 PM
    • 631 Posts
    • 4,907 Thanks
    Puddleglum
    Great news!

    There is the prospect of some day time tutoring work through the supply agency. Two student, both 5 days per week. Two different locations. One in the mornings and one in the afternoons. I need to negotiate over my networking commitments and some training I've got booked and paid for. Fingers crossed though we should be able to work something out.

    On the moral dilemma front I've decided to be honest with the agency but not to tell them until after I've seen the student for the first time on the grounds that they may cancel again.

    It's looking good for paying May's bills now and I am going to work out a plan of what is going to be paid where. I need to leave some money in the business to finance advertising and the credit card will have to be hit again but there is definitely light at the end of the tunnel.

    I went on a sales training course today which was really useful. Came away all fired up but then spent the afternoon preparing for my tutees and the evening tutoring. Tomorrow will be a bit of a repeat with LinkyInny training in the morning, prep in the afternoon and then tutoring.
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 69.13/80
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