Living the Dream and Dreaming of a Break

I am an incredibly lucky woman. I have two healthy and happy young chaps and a fabulously supportive and loving husband. I work for myself, writing a seemingly impossible number of words each week and yet absolutely love the work I do. Damn I am tired though!

As with anything there are pros and cons associated with working for yourself and thankfully for me the positives far out-weigh the negatives. What I do find difficult however is taking time off. When you work for yourself you don’t get sick days, there is no paid annual leave and even Bank Holidays are at risk of being snatched up by yet another impossible (but always met) deadline.

Basically if you don’t work you don’t get paid. In theory us self-employed people are supposed to squirrel away funds so that they may “pay” for our time off however I’d love to hear how many actually do that. For me there is always a client that I just can’t let down or even a project too lucrative to let go of. I’m my own worst enemy.

As well as working far more than the suggested weekly working hours I’m also determined to be Mum, wife and keep house as I would if I was a stay at home mum who wasn’t undertaking paid work, inside the home or otherwise. I take the boys to school / childcare every day and am always there to pick them up, I never miss school plays, the class assembly, harvest festivals or sports day and during the hols when the kids aren’t at a play-scheme or similar I am there, being Mum.

I insist on proper family mealtimes, cook from scratch (which includes a hot breakfast for everyone), date nights for the hubby and I and the house clean and (sometimes) tidy. Don’t get me wrong, Roy and the boys more than do their fair share but you know us mothers, we like to do most of it ourselves.

Is it any wonder I’m cream crackered? My mum calls it burning the candle at both ends however for me it is just life and life the way I want to live it. I want the earnings I bring in, I want the enjoyment and achievement that comes with my work, I want to be on hand when the kids need me, to enjoy conker hunts and cuddles under blankets… I just don’t want these eye bags.

Some would say that I need to delegate work-wise (not as easy as it sounds when you work alone) so it does look like I’m going to have to bite the bullet, be strong and book a proper holiday. Once I’ve actually steeled myself to do it and *gasp* handed off work to someone I trust I know I’ll have a fabulous time. My dream is to enjoy time just being me; Nicki, wife of Roy, Mum and not the freelancer writer and copywriter who in incapable (or unwilling!) to say not to work. I could get use to the idea of being the Nicki who is waited on hand and foot though.

I’ve always said that when we take our jollies next time round that it’ll be self-catering again or camping. I like being in control, don’t mind cooking when away and I like the freedom self-catering offers for families. That said bloggy-friends of mind have over the past year or two have been reviewing cruise hols and I have to say, I do quite like the look of it all. Between fabulous activities for the kids, shows, sports, luxury rooms, more different types of food that you could possibly imagine and more you can see why the idea appeals. I’ve just heard that one ship has bumper cars on board. It would be worth booking the cruise for that alone in my opinion.

This could all be a dream, after all I know myself well enough to know how difficult taking a proper break is however I’m not the only one who would be getting away, and there are Roy and the boys to consider too.

Right now I’m enjoying living the dream work and family wise and dreaming a dream of a proper holiday. Will it come off and will I book one next year? We’ll see.

Sail away

 

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 Teaching the Importance of Good Credit and Sound Financial Planning

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I’ve written in the past about how important I feel it is for us as parents to teach our children about financial matters. At this stage, with my children being 3yrs and 8yrs we have limited this pretty much to savings, not buying on credit and choosing carefully what you spend your money on.

Our next stage will at some point be to talk to the boys about more in-depth financial matters. Growing up we didn’t get “proper” financial education at school (unless paying a pound a week into the school bank counts?) and so we’ve been firmly behind Martin Lewis’ campaign to introduce financial education as part of the national curriculum.

Roy and I firmly believe that it is up to us to teach the boys as they grow about the importance of pensions, protecting your identity and financial information and of knowing and understanding your credit rating. As with all things with financial matters if you have a good grounding before you are thrown out into the world where all the temptations of credit products and spend now worry later options exist you will be better placed to make smarter decisions.

We wish that we’d known more about pension plans, investments and insurances when we were younger as our “pots” which are supposed to tide us over when we are older would be a lot fuller than they currently are. With so many products available now, never mind when the boys are older it makes sense to know what you want or at the very least how to find out about what you want and need from a reputable source.

Places like the credit expert website offer an easy to use to tool to help you navigate your credit rating, to fix any errors and to learn more about how you may improve it. While we believe saving up for things before you buy them is important credit does play a part in modern life, with things like car finance and of course mortgages being effected by how well or poor your credit rating appears. We plan to teach the boys the fundamentals of financial planning and ensure that before they are thrust out into the big bad world to function independently that they also understand where to go for help and advice for financial matters.

The old saying goes that money can’t buy you happiness and of course there are more important things however money can buy you security, opportunities, freedom to pursue your interests and ensure that no matter what happens in your life that you are covered so to speak. We have plans and we have products in place to ensure that our kids will be fine, no matter what happens to us and all that we want is for them to have the same peace of mind.

What do you plan to teach your kids about finance and their future? I’d love to know. I really think such matters being covered in school in the future will be an amazing improvement on what is offered now however still believe that it is up to us as their parents to reinforce what they learn and ensure that it is adequate.

Kieran is already a keen saver and we hope to encourage him to extend this into pensions and investments when he is a little older, as well as building an awareness of what a credit rating is and why it matters for himself and his brother.
Kieran is already a keen saver and we hope to encourage him to extend this into pensions and investments when he is a little older, as well as building an awareness of what a credit rating is and why it matters for himself and his brother.