Tag Archives: tips

A sober assessment

One simple rule $Before we move off the topic of debt, there are some positive things to share. I find this subject quite emotional – as I’m sure many people do – so let’s clear the air a little with some practicalities.

One simple rule $ imageIn my past, I’ve been through the experience of some credit card debt going bad (which happened to coincide with some poor decisions about tax also coming home to roost). Out the other side of that experience I’m cautious about spending money I don’t have on hand. ‘Vigilant’ would not be too strong a word. ‘Terrified’ might even be appropriate on some days! I worry about it. I don’t really have much now and yet still I worry about it.

I worry about you having it. I do. It is too much. Debt is hurting us. It is one of the heaviest shackles stopping us from living a life of deliberate liberation, and it is voluntary.

Some people seem to think of credit card debt as a kind of charity to themselves. ‘Thank you credit card for helping out for the cost of a pad thai on Saturday night!’ You might be out of cash and craving those sweet noodles, but actually, unless you’re as scrupulous at paying yourself back in full and as quickly as you’d expect any of your friends to be, in reality you’re in a Ponzi scheme with your bank, and the house never loses.

Let’s talk about getting out of debt. That’s a pretty obvious next step conversationally but let’s not go into paying down or clearing it off, not budgets. Not haggling over interest or swapping balances and accounts. Not how to expand or grow your income or start a business on the side. Those things are all great tactics and they can really help you but I’m not the right person to talk about those. Honestly, there’s just huge amounts of useful information and lots of knowledgeable, well-meaning people to help you with all those things online already. Hit up Doctor Google with a few simple questions and you’ll be inundated with options and links. It is easy to find an approach that works for you. Just be aware of anything that people are asking you to pay for!

What is there left to talk about? There’s a key truth to debt that hardly gets any headlines. You could be forgiven for thinking that it is a secret. It wasn’t bad luck that gave my phone number to a collection agency. It wasn’t not having education or a job or support if I’d asked for it or an understanding of how to do a budget. I was lazy, busy, a bit selfish, maybe arrogant that I could do it differently – you know – normal. Even so, when faced with the bottom line, despite having the kind of habits that meant a lotto win would end up as more debt, I knew this truth and I bet you do too. It is just one simple rule and it works. I warn you now, it’s a tough one. It is not sexy. It is not huge glittering fun.

It is this: live within your means.

I know, right? Bor-ring. I can feel your eyes rolling back in your head. Stay with me on this one. I think it is radical. Daring. In this age of rampant entitlement, what could be more personally and politically powerful than to disengage from the consumer culture except on occasions of deliberate choice? Okay, that might be a bit of a long bow to draw, but think about it. Why do we immediately reject this obvious truth? Because it requires decisions and choices. It implicitly asks us to do without some things. Our fear of missing out (so common now it just goes by ‘FOMO’) immediately gives us an eye-twitch but reality is all about limits. We are finite beings on a finite planet. Our time is finite, our income is very clearly finite. Knowing this, doesn’t it seem almost childish to continue to believe in ‘later there’ll be more’?

That’s not to say that there’s no such thing as hard work that pays off, or ideas that meet a need and create happy customers, or great services and products you can build and grow from your own capacity to learn and create. It is just that winning lotto isn’t a plan. There is no magical unicorn going to come along and poop golden nuggets onto your welcome mat. Once we face our limits we get to make informed decisions about how to spend our time and the resources we already have. It is not just reasonable, in this day and age it is revolutionary.

Next week I’ll share a tool that will give you a glimpse through your blind spot, or a whisper from your fairy godmother about your particular secrets and self-destructive habits with money. You can skip it if you’re scared, or ask someone to hold your hand.
We can get through this together.

A review of “Write. Publish. Repeat.”

Writing is an art

This is a reprint of the review I orginally posted on Goodreads. You are welcome to follow me there if you like.

Write. Publish. Repeat. (The No-Luck-Required Guide to Self-Publishing Success)Write. Publish. Repeat. by Sean Platt
My rating: 5 of 5 stars

This sharp and pacy book checks you out first to see if you’re the right reader. I love that, I know if I am or not and then I either self-select out (no hard feelings) or go on to gobble up the goodies.

There is no secret to the subject of this book, it is about publishing books and how, what you might not expect is how truthful and outcome driven it is.
There are hard truths to writing (especially for those of us with day jobs) and this is not a scammy work-around book dealing quick fixes. These guys expect you to create the wordcount. There are plenty of other great books out there on writing and style and punctuation and so on to help you with the content of your wordcount. This book is about what to do next inside a strategy aimed at sloughing off the day job eventually. If the readers think you’re worth it.

Yes, I said ‘wordcount’ not writing or prose or storytelling. There’s a pushy, brass-tacks tone to most of this book and no matter what you write you’ll find helpful information in here. Actually, you’ll find helpful info for each step of the strategy. I topped out on my first read at about Chapter 3 or 4. Once I catch up, I’ll be taking notes again for the next stages.
For me, my big ‘ah-ha’ out of this first read through was getting the very clear distinction that “Writing is an art. Publishing is a business.” and that not only was it ok to treat them differently, I needed to.
You might think that is obvious, but I’ve been tortured by it.
Then there was heaps more great gear on fans, how to use the 80/20 rule to focus and prioritise, and some pretty blunt “pointers” on what to stop wasting my time on.
Overall I found this book to be really helpful. Really, really helpful.

If you’re squeamish about language or precious about writing, this book is not for you, but as I mentioned, they’ll let you know that in the free sample. On the other hand, maybe just make the call to take it on the chin this time, after all, if you’re a newbie to self publishing and you hope to make a living writing then you need to hear what they have to say.

View all my reviews

Halftime is not halfway – Six writing lessons from Nanowrimo

Writing at Sandgate

It is November 15 which means I should be halfway through drafting a novel, and I am, so the world is a shiny, happy place for a few hours and I dance and I smile and my workmates edge away from the crazy lady.

I love NaNoWriMo for this annual push and sense of communal urgency to create a work of fiction as whole as possible inside the month. In some ways, the arbitrary restrictions of the Nano game have taught me a lot that I needed to learn about the discipline of writing. I’ve had a crack at Nano every year since 2006 and ‘won’ it only twice so far but I’ve got my best game on this year.

So what exactly has NaNoWriMo taught me about writing?

  1. Turn up and tune in. Sit. Write. Sitting in the chair is no good if the clock’s not ticking and the words aren’t coming.
  2. Deliver the words. Want to write a book? Produce a daily word count towards it. You set the rules, but measure yourself. Do whatever works for you. I like gold stars. There is a part of me that is still 8 years old and will do *anything* to get a gold star on a chart. I wish I’d known years ago that all it would take to relight my writing was about $3 worth of shiny stickers and a wall calendar!
  3. Have fun. If the writing is getting boring, you’re doing it wrong. Call a friend and bring in your plot ninjas or drop your characters into hot water.
  4. Say no. Say no throughout September, and October to things in November, especially if you hold down a day job. You’re going to need those weekends for your story. You’re going to wish you had some holiday time to take or a long commute. Daydream and note down ideas and keep saying no to everything else. Time is words.
  5. Kill your darlings. Yeah, I stole that one from Sir Arthur Quiller-Couch* (via Faulkner). I’d heard it before but never really understood it until I re-read some of my rambling, no tension, and precious manuscripts and nodded right off to sleep. I’d put so much effort into making beautiful characters I didn’t want anything bad to happen to them. Oh dear. Total snooze fest.
  6. Finish. Is that obvious enough? I didn’t get that for a long time. I thought – ‘I’ll get back to that one next week’ and … nothing. So now it doesn’t matter how, or where the plot ends up, or what weird contortions I put those characters through, together we’re all getting to the finish.

That gets a first draft done. It is admittedly small draft, but a whole one. It is no where near half way through completely finishing a novel, but it is an incredibly satisfying milestone along that path and it feels great. So today I mark halftime in the word production schedule and celebrate being on track with a nice shiny gold star. I wish you all the very best in your writing goals too.

Have you played the Nano game? Please share your writing tips in the comments.

* The full quote.
Sir Arthur Quiller-Couch: “Whenever you feel an impulse to perpetrate a piece of exceptionally fine writing, obey it – whole-heartedly – and delete it before sending your manuscripts to press. Murder your darlings”.