Tag Archives: roundup

Minimizing debt into 2018

It’s coming to the end of another year and time to write a brief wrap-up post.

I think I have achieved a lot this year:

  • I finally got my Mazda MX5 through another MOT after a lot of hard work and that’s still ongoing.
  • I’ve been able to maintain a loving relationship which I am proud of, and through that, also made some new friends.
  • I’ve progressed in my job although that’s been a struggle, having to be put through potential redundancy early in the year.
  • My freelance work is still progressing, I tend to allow work to flow in via word of mouth so not to stretch myself but do pursue some leads when I can (sneaky feelers!)

I am attempting to reduce the amount of debt in my name. A while after buying my house (Keep calm, just bought a house) I required some additional money to buy furniture and decorate, and to also pay off some credit cards (consolidating debt). I immediately closed a credit card account thereafter. Credit cards are bad ideas. I am now left with one credit card and have just reduced the credit card limit to £1500 after they had increased it to £2900! I don’t want that temptation. If I don’t have the money, I can’t pay for something. Simple as. My loan will be near enough paid up at the end of 2018, so I’ll be able to close that too.

Considering I am only 27 I think I have done quite well. I have big dreams and passions but sometimes I have to look back and see how far I have already come.

I wish everyone a good new year, and remember to set achievable targets that you can reach!

2014 seems just like yesterday. Year roundup!

A lot happened in 2014 – it also went rather quickly for me – here’s a brief summary. Oh and sorry for the brief delay.

1. Made new friends.

2. Traveled to new destinations

3. Turbocharged a car without paying a qualified mechanic or electrician.

4. Bought a house

5. Got a new job.

7. Sold some cars.

8. Lived to die another day

If 2015 is nearly as eventful I’ll be amazed, but never say never. I’ll continue to stay foolish and extend my acquaintances and try and be the best I can.

Cheers to a good year!

2013 – End of Year Roundup

This year has been one for friends, new beginnings, new projects, success and failure. But with every let down something better has come from it and that’s how we should all think. One needs to be positive and always move forward, without hesitation, and remember that good things are always on the horizon.

This year has been a bit of a blur. I sold one car and bought two new ones, changed jobs, made success with Frantik (Whitecherry) and put Death Cap on the back burner whilst that was focused on. Next year I want to take both and make them bigger and better, so watch that space.

I have continued and focused on my workout regime. You can follow my fitness microblog there if you’re interested to hear my musings….

I am also still very involved with Club 85 in Hitchin and working with social media for Rhythms of the World. Music is still something I hold close to my heart.

I can’t remember much from 2012 so  I intend to make 2014 truly special.

Peace and good health to all,

Happy New Year

Toby