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What does the future hold? IF23016 Delayed Career and Life Choices

In the difficult economic times many college and school leavers struggle to get on the career ladder. Rather than getting stressed it is an opportunity to think differently about work and life.

Busy man is already dead, graffito HE18072 Job Loss as Opportunity

A better life starts here – losing a job to redundancy or lay-offs is a good time to review career and lifestyle objectives. Once the initial disruption is overcome a positive approach can lead to improved quality of life.

The way is marked - GI10002 The Dream has Begun

Not realising a new adventure has begun can get in the way of being happy. It can be easy to miss the obvious. Whilst I was fretting about what new direction to take it was pointed out to me that I had already taken it.

Busy is not always the best answer HE18072 Starting Over, New Life

It is over a week since I updated my War Diaries and overall it has been pretty good. There have been many more "up" days than "down" and I am starting to get more done. Now I am turning my attention to some big things that once resolved should have a huge positive impact on my mood; but it is by small steps. I still have to be careful about my energy levels.

No exit sign Unannounced Retirement?

Have I retired and no one has told me? It certainly feels as though I have taken retirement without any decision to do so. The market for my consultancy services seems to have vanished in the last year or so. So I need to make plans to allow me to move into a changed life, a life of the New Rich that can be achieved with modest means.

Getting Unstuck, cover Getting Unstuck, Make a New Start

This book by Timothy Butler is a guide to using crises of confidence as a starting point for making fundamental improvements to one’s life or career. He argues that feeling stuck and doubting oneself is an important opportunity to put life on a new track.

How to get rich, cover How to Get Rich, Learn to Make Money

Felix Dennis suggests anyone who has a genuine compulsion, not just a vague desire, to get rich can do so. How to Get Rich is not a volume of false promises and glib answers like many get rich quick books. Following the advice will be hard work but for the committed it will be worthwhile.

Cash and credit cards - HG15001 How to Avoid Debt Problems, Match Loan Period to Purchase Life

Cash and Credit CardsLoan Period Wisdom for Reduced Debts

Problem debt is often caused by not matching the length of the loan with the life of the purchase. If loan lasts longer than the benefit then a replacement has to be bought and adds a new layer of debt.

Loan Periods – Some Simple Questions

A fewer simple questions will guide the borrower to a suitable loan length.

  • How long will the benefit last or will the borrower enjoy the purchase?
  • What is the life of the asset?
  • How much value will the purchase retain over potential loan periods? Will it take the purchaser into negative equity?

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