Saturday Musings - Getting Out of Your Financial Mess

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Do you ever feel like everyone seems to be putting their hands into your wallet and helping themselves? Bills and taxes keep on rising and living is more and more expensive each year while your pay continues to shrink in size. There seems to be less left over for you to enjoy life.

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Many years ago I read a fantastic book that I would highly recommend to anyone…..and no, it wasn’t my book, Battleframe (although it isn’t a bad read). The book was “The Richest Man in Babylon” and the author illustrates a number of principles about managing money through stories…..it’s really a compelling read.

The first point he raised was, “Pay Yourself First”. What this means is keep some of the money for yourself……not your bills but for you. If you need to negotiate with creditors and pay them over a period of time then do so but whatever you do pay yourself now. An amazing thing will happen, you will pay off your creditors and also manage your expense line appropriately.

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We Live in Amazing Times

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We are surrounded by the most incredible advances in technology the world has ever seen and yet we can be accused of becoming increasingly complacent about the miraculous.

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Just think about it for a second. Just over 100 years ago the Wright Brothers flew for the first time at Kittyhawk. A few weeks ago, my wife and I soared at 40,000 feet in a chair in the sky while we watched movies. Forget around the world in 80 days, we did it in 28 hours.

I watched my daughter start shaking her mobile phone in frustration because a message her friend had sent hadn’t arrived as yet. I asked her when was it sent. She replied, “A few seconds ago” and as she stormed off she yelled back, “I saw she was typing!” I presume this explained everything.

I first got online back in the 80’s and I remember sending email around the world via the amateur radio network (remember FIDONET?). It was incredible! I could write something on my computer and 2 days later I would get a response…..how fast was that! The other day I was in a skype session and the person I was speaking with sent me an email and I calmly respond a few seconds later with, “Go it.”

I love technology and have been an early adopter of an Oculus Rift VR headset. For those of you that don’t have one…..just pay the money and get one. It will open your mind to so many possibilities. Everything from entertainment through to education will be transformed by VR. If you think domain names will be immune then think again and don’t even get me started on AR.

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Saturday Musings - Working to the MAX!

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Some of you may have noticed that I didn’t do any posts last week. Yes, I’m fine and nothing disastrous has happened in my personal life. I just reached a point of work saturation.

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Have you ever been working so hard that no matter how fast and how diligent you are your in-tray just keeps on mounting up? Well, that was me last week. A number of nights I found myself working until 3:30am and up again at 7:30am because there was just so much going on.

So what’s been happening? Everything from reviewing legal agreements, managing partners, sorting through client issues, working with the ParkLogic team, designing graphics, cleaning up websites, debugging servers, launching new platforms, coding client requests into existing systems and working with spreadsheets that literally take 30 minutes to calculate. The last issue drove me crazy because if I touched my PC during a recalc Excel would just stop! Grrrrrrrrrrr!!!!

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Saturday Musings - Simple Solutions

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I’ve just been trying to debug a pretty complex program. One screen displayed the error logs, another the database changes while yet another the actual code. For some stupid reason, nothing appeared in my browser when I run the application……it’s safe to say that I'm pulling my hair out in frustration!

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It was then that it dawned on me…..you moron! I’d forgotten to save my code. Yep, the most obvious of solutions lay withering on the vine of my single-minded focus. A simple control-S saw everything instantly display as it should and my universe come into alignment….well, almost anyway.

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Saturday Musings - How do you make decisions?

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In this article, I’m going to make myself a little vulnerable as you read about some of my innermost thoughts. I hope and pray, that you respect this as well as receive some additional insight into what makes Michael Gilmour tick. Ultimately, my goal is to hopefully encourage you to think about your own life and what’s important to you.

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Over the years I’ve found people journey through life in one of three ways:

  1. They avoid making decisions as much as possible and let others make the decisions for them. This is like being flotsam on the water and tossed back and forth while blaming everyone else for the mistakes you find yourself in.
  2. They make decisions based upon what is directly in front of them at that point in time. This is like playing a game of chess by looking one move ahead….you’re unlikely to get anywhere.
  3. They have a core sense of purpose which is based upon a set of beliefs that influence everything they do. Sometimes this core set of values is articulated while most of the time it comes of a sense of what is right and wrong.
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