I’ve been away for a while

It’s been almost a year since my last blog post. (I feel like I’m writing a confession!).

Life has unfortunately gotten in the way of writing. I didn’t write anything at all during the whole of 2019. I posted some reviews, but that’s it.

I also stopped working on the small press that I helped found, Morpheus Tales, to concentrate on my writing, would you believe!

Morpheus Tales is unfortunately on pause at the moment.

But now, during lockdown, I’ve started to write again (it only takes a pandemic!). Not the horror, fantasy or SF I usually write to escape the horrors of the real world, but a book about life. And how to win at it.

It’s called (third title change):

Think Rich, Get Rich: 5 Steps To Financial Independence

Or How The Rich Get Richer And The Poor Get Poorer

And is now available on Amazon UK and Amazon.com

Credit Crunch: A Survivor’s Guide

The credit crunch has hit me hard. I haven’t lost my job (so far), but my income has decreased significantly (about 25%), the threat of redundancy has loomed over me for the whole of 2009 and is likely to be an issue again in 2010. During this time of difficulties I’ve had to tighten my belt, to cut costs, I’ve had to crunch my own credit, look at my needs and expenses and try to put together a back-up fund for emergencies.

It has been hard. The credit crunch was unexpected by most people, including me, and because there was no warning I found myself unprepared.

To give you some background, I have a full-time job (the joy!), I live in rented accommodation (which until recently I enjoyed alone). I enjoy good food, regular holidays, lots of tv channels, unrestricted broadband internet access, buying things when I want them, not having to save forever to get an iPod touch, and being in control of my money.

That is until I realised how precariously balanced I was on the financial divide. The divide between the haves and have-nots. Because of the credit-crisis it’s not so much of a divide any more, and there’s no border patrol stopping you going over to the other side now.

I plan to put together a series of articles aimed at making you look at your money and getting you to think about how you spend it. This isn’t a get rich quick scheme, it’s not a 12-step debt removal system, it’s just a common-sense way of looking at money and how you use it. The idea is to take in this information and use it to save yourself some money without having to go without too much.

Next time: Budgeting