Spending Money

Yesterday a nice gentleman and former accountant, Neil, came to give my garden the once over. To be fair to him, he was here ten hours so it was more of a twice over. He asked would it be OK to come at 8 a.m. and I said yes, of course. I like an early start myself and I had a long and busy day planned so it suited me fine. He arrived before TUT’s daily message which, when I opened it at about 8.15, said this. How appropriate, I couldn’t have put it better myself: “When you spend money, Judith, whether […]

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Scarcity and Self-Employment

You could say that one aspect of choosing self-employment instead of a job is that you enter the world of financial scarcity and insecurity. You run out of money. There’s no reassuring regular incoming salary at the end of each month with which to pay your bills. Another way of looking at it is that you take on that responsibility in employing yourself, to pay yourself instead of expecting someone else to do that. In all my time of working for myself I’ve been on the financial edge more times than I care to remember, and I’ve also been in […]

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11 Fun and New (ish) Ways to Make Money – Online and Off

I am updating this post (and making it shorter!) on 28th November 2015 to reflect what’s happened since my original post on 3rd September. I have reduced the number of projects I am actively working on from 11 to seven without changing the title of the blog post or the numbering of the projects, so as to avoid confusion, and because I may add a couple more in due course. Profits to date have been £4450, 85% of it passive income. There’s a further £4,000 in the pipeline which will come to me in the fullness of time without my […]

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Me, The Lottery and Scratch Cards

I have always known I was going to win on the Lottery. And win big. When the UK Lottery started on 19th November 1994 I dressed up, no word of a lie, because I’d convinced myself I was going to be the winner that first night and that the BBC would be sure to send a helicopter or a limmo to bring me to the studio pronto to be discussing the First Big Win and it would be mine, all mine. It didn’t happen that night. But a few weeks later, on New Year’s Eve, I got the first five […]

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Home Truths for Home-Based Business Newbies

I made a new virtual pal last week when I was interviewed by a woman writing a book for those contemplating a leap from employment to self-employment. We got on like a house on fire; sometimes it just goes like that, don’t you find? Twin souls in very different lives. Her closing question was about my best tips for people starting up their own home-based businesses. Here they are, in no particular order of importance. 1. You don’t die when you run out of money If you are leaving a job with redundancy or savings, your money will run out […]

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How to Ask for What You Want

One of my clients is very diligent. By which I mean she goes off and does the things I recommend when she asks me for a solution to problems she’s encountering in growing her business. Whilst diligence in a client is very nice, it isn’t a requirement of mine. I’ m just as happy if a conversation we have triggers a choice of your own. I’m not wedded to you doing it my way. Honest. But I want to share a story today of my diligent client and I have her permission. She’s training to be a coach. When we […]

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Thoughts About Selling

I love selling. My clients mostly do not. Here are some thoughts about selling which might help. The only thing we cannot control is when. When a client will buy. They will buy when they are good and ready. And their reasons for making that decision are not only about money. They are about how much desire you have created for the thing you are selling, product or service, and if they have enough room in their lives to focus on using well and enjoying their purchase from you. Yes, I know you CAN get them to buy within a […]

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VAT Changes on 1 January 2015

Over the weekend I wrote a 1500 word rant about the current storm surrounding impending VAT changes on 1 January 2015 but out of deference to the people I care about who are fronting the campaign, I have trashed it. I don’t want to rain on their parade. Suffice to say that here is a piece written by a woman whose opinions closest to my own, by Rosie Slosek of One Man Band Accounting.  Nice job, Rosie! And this is also a useful piece to read, by Heather Burns of Idea 15 Web Design. And so is this, by Tim Gray […]

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Not Enough Money

Lots of my clients talk to me about something I know all too well first hand as an entrepreneur. They fear that they do not have enough money, it’s not coming in fast enough and it’s not something they can rely upon. Feast and famine, not enough money seems to go with the territory we have chosen for ourselves, that of being self-employed. Don’t panic. You’re alright. I know it feels like **** right now, and scary, but there’s really no need to panic. Panic only makes it worse. What we need to do is re-group. We need to take […]

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It’s Cheap: What’s the Catch?

I learn something new every day. I see things on Facebook and on TV and in blogs which make me think. And my clients are my best teachers. So I’m indebted to an esteemed colleague who yesterday offered feedback to one of the members of my Club 100 who was launching very affordable business coaching offering. The gist of the feedback was to inquire after the reason for pricing it so low and that although we might look for and appreciate value, there’s a price which can be so low it causes us to wonder perhaps if there’s a catch. […]

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