January 5th 2019

Napoleon Hill Quote

We are five days into January and I need to update my progress on a more regular basis.  Last year whizzed past.  Time seems to go so quickly.  I have a weekly email reminder to write a post but there is usually other things to do.  I only posted three times last year and had hoped to post more than the year before.


We ended up purchasing a second car in March last year for my daughter.  The car was nine years old and had only had about 40,000 miles on the odometer.  The car was newer than hers, which she still has.  Since March we have increased the mileage by under 4,000.  The car only gets used when I am on a different shift to my wife. 


I started growing seeds last year to sell.  I have three of the plastic type greenhouses.  Sowing the seeds is quite quick.  It is the time it takes to transplant the seedlings into 9 cm pots.  Some of the seed trays have about 900 seedlings.  The intention is to advertise and sell the plants as they grow.  We had a burst of snow a few weeks ago and unfortunately the two large greenhouses do not have a supporting bar from front to back.  The weight of the snow bent the bars which go from side to side and have ruined the greenhouses.  I managed to retrieve a lot of the plants and moved them to the third greenhouse which has the supporting bar.

When the weather warms up the plants will begin to grown.  The issue I am finding is lack of greenhouse space.   The cost of a proper greenhouse is quite expensive and I have seen an 8 feet by 10 feet for about £800.

I am currently building an online shop website for a client and assisting with preparing the content and this is taking quite some time.  There are a lot of images to prepare for the web.

I have an insurance information website which is active and is still being added to.  However, this is on hold because I am working on the client site.

The mortgage is gradually reducing and is now under £58,000.  I have updated the figures on the mortgage page.  I need to try and update the balance on a monthly basis.

I recently twisted my back and had to take a couple of days off work.  It was uncomfortable and not very easy to manoeuvre and I certainly couldn’t get to work.  I used the time wisely and spent time working on the client’s site.


I changed roles at work in July into a better role which I was enjoying.  Unfortunately, the company decided to outsource the role of the team from 1 January.  Therefore, I have had to return to my old role which I dislike.  There are quite a number of complaints in this role and some callers are not very nice.

At present, I am spending as much time as I can working on my other projects in the hope that I can leave my job and work for myself by the end of the year.  I need to generate a lot of extra income because my official retirement date is just under eleven years away and I have got hardly any savings in my pension pot.   Also, I have to contribute to a wedding this year.


We tried to sell our property but had no joy because of a small holding next to us.  People are uncertain what this will turn into.  We have lived here many years and have never had any issues and do not anticipate there being any in the future.

I have been listening to two different books by Chris Hogan – Retire Inspired and Everyday Millionaires.  These books motivate me into action to get something done.  They make me thing of where I could be financially if I had known what I know do and read similar books many years ago.

It’s the middle of October

I’ve no idea where the year has gone.

I have hardly posted this year due to being busy.

Since I last posted I have been moved into a different role at work for four months and this is due to end next month.  I’m hoping they keep me in my current role because I am enjoying it and disliked the other role.

In other news, the mortgage, after the October payment, is £59,692.86  It’s coming down but I would like to see it cleared.

The web design and insurance websites are going okay.  There is always something to do to update them.  I am busy growing plants and have two greenhouses.  I planted a lot of seeds which have germinated and these are being moved into pots from the seed trays.  We bought some reduced wallflowers last autumn and planted these in the garden.  In September, they seeded.  I planted some of the seeds, there are a lot in a pod.  I have over three trays to re-pot and there are at least 300 seedlings in a tray.  It’s a long job.  Also I am running out of room in the greenhouses.  I had to weight them down because of the winds we had a few weeks back.  One of the fence panels broke and a post has moved in the ground.  I will have to re-cement the post and put in the spare panel we have.

Next week I am not at work so need to sort out the fence, clean the gutters, re-pot seedlings and clear up the leaves.  We purchased a leaf blower last october and have never used.  It also vacuums the leaves.

We wil probably have days out as well as doing jobs.  I have various ideas to make money but time is of the essence.

It’s almost the middle of the year

posted in: General Update, Mortgage, The Future | 0

Garden with flowers

The last entry I made was five months ago.  I have a weekly reminder to post and just delete it due to other things happening.  I keep meaning to post but there are things which are most important, such as gardening, etc.

Our property is currently on the market and has been for two months.  We last tried to sell in 2013 and was on the market for two years and had four people view the property.  The agent we used at the time was useless.  We had more views in the first two weeks this time.  We were trying to move closer to our jobs so there would be about a ten minute drive to work.

We haven’t had any offers yet. Our property is sensibly priced but we live near a smallholding which is a little untidy which we feel puts people off.  Some viewers have made that comment to the agent also.  I have been on variable shifts for the last six months and this has proved difficult, especially in the first couple of months.  When I was on an early start I had to leave home over two and a half hours before my shift started to catch two buses and arrive at work on time.  When I was on a late shift I had to stay in a Travelodge.  Things are easier at present because we have two cars.  One was purchased to give to my daughter because her car is quite old.  She refused the ar and hence we still have it and are using it for the shifts mentioned above.


January 11 -Moving Forward

posted in: General Update, Money Making, The Future | 1

This is the first week of my new hours.   They are absolutely terrible.   I had to travel in with my wife on Monday because I was on a late shift and she had to wait for two and a half hours at the end of her shift to take me home. I had to catch the bus on Tuesday and I started work at 8am.   My wife had a dental appointment and needed the car.   I had to leave home at 5:25am to walk to the bus stop.   The next bus would not have got me to work on time.   I was tired during the evening.


Wednesday shift was not quite as bad and I am off today and tomorrow and working on Saturday.   So far this week I have visited Costa every day mainly due to my working hours.    It took me two hours to get home last night because I had to wait for the bus.  I haven’t done a lot today because I have been chilling and resting after three busy days.


About 18 months ago I had a sense of urgency to do something and didn’t really progress anything.   As Libby says I should have  been working for myself a long time ago.


I was working on A course to build websites and learn programming.   I have put this on holD.   It is good to learn this but without work coming in it will not earn me money.


I  spent evenings last week working on my insurance site and made good progress.   I stand a better chance of earning some money when I launch it, than finding people to build websutes for.  I am determined it will be launched in the next few weeks.

I had planned on using my Windows tablet before work on Monday but I couldn’t get it to sign in to Wi-Fi.   This is absolutely no good because I need to get on with the business side when I have free time.   I have purchased a Lenovo Android tablet this afternoon and this connected first time.   With the windows issue I contacted Microsoft technical support and they remoted on to the tablet.   They found no issues becauseI I was using the home Wi-Fi.   They can’t remote in when I have the issues due to it not connecting to the internet.   This is what I call a catch 22 situation.

This will be the year when things change for me.   I resolved not to waste time on silly things but to do things which make a difference.   At the moment I am doing quite well keeping to this.