I always shudder when I hear people talk about five year plans. I’m not sure if it is because the idea of having everything laid about before me like a straight road with no mystery or surprise makes me want to give up before I start or whether it seems like such an obvious way of setting yourself up to fail (or take the wrong course because you are ‘sticking to the plan’).
If you’re running a business you’ve got to look to the future. And that’s what I’ve been doing. I’m going to be really annoying and say that I can’t blog about one aspect of this. Surfice it to say that I have been doing a lot of thinking about my current earnings and the potential for the future. And how, without turning into a money grabbing monster, I ultimately want to be able to get more for the time that I am effectively ‘selling’. There are no immediate plans for changes but I do have a sort of action plan (in the vaguest sense of the word) and some steps that I can take, nice and slowly without compromising my time with Baby. I know it is annoying when anonymous bloggers allude to things that they aren’t blogging about. the only reason I mention it at all is to say that I do have a plan – I’ll post more as time goes on! Also a plan, possibly, for potential second income. I need to brush up on some things first though (the earliest I’d look into this would be next year) so I’m going to spend the rest of the year trying to sharpen up my tired and confused old brain!
I also need to look at the whole house sale thing again. The amount we can borrow has been seriously curtailed by my drop in wages. We might only be able to raise a 5 figure number and we need to go up from a 2 bed flat to a 3 bed house – eek! There are only two things we can do about this. 1: Save money towards a deposit (on it!). 2: Get more for our flat.
I must admit that I’ve been ignoring the list of home improvements left to be done (imagine, if you will, me sat at home with my eyes screwed shut, fingers in my ears shouting ‘la la la’). I think we have missed the boat for 2011. What can I say? We’ve had a baby and have just made the transition of me going back to work. It looks like we’ll have to stay until next spring. Which, in one sense is good as it gives us more chance to save and also more time to do things that might make our place more desirable. For example, our bedroom carpet is looking truly awful. I was hoping we were going to get away with not replacing it but we’ve been here too long – it needs to go. As does the carpet on the stairs leading up from the hall. A lot of things are beginning to look very shabby. I’ve never managed to make the very peculiar mantlepiece in our bedroom ‘work’. It needs to be dressed properly. In fact the whole place needs to be polished up somehow. I’ve been trying not to spend any more money on the place but perhaps this isn’t the right approach. We need to sell and we need to get as much as we can for it so maybe spending a bit more £ wouldn’t be the worst thing in the world. In addition to the front door (which we already have the money saved for) I think it would take less than £1000 to make some improvements that would make a big difference. I’ll blog on this as we go along!
And that’s it. Thinking about my future as an earner and trying solve our immediate problems are as close to a five year plan as I’m prepared to go!