Right on the Money

Right on the Money

Hey Everyone!

Today I’m going to be talking about money in general. Feel free to comment below.

I am aware of one person I know (who I won’t mention) has limited money. Don’t We All

I watched a show on BBC1 called Right On Your Money earlier.

I thought it was an interesting show, Quite random for me to talk about money. I thought that Denise Lewis was a random choice for being a presenter on the show. I think members of the public need to be aware of how serious money is these days. Maybe we all take money for granted and not thought about what we got out of it. I spent about £56 on train travel alone. To me that’s expensive but train travel for me is preferred because I know I don’t travel regularly so to me it needs to feel special. At the same time, while I was in Oxford, I didn’t know what to do in Oxford or know realistically of how long I was going to be there, simple reason was that I had a job interview near Didcot which was what I was mainly thinking about. which is about 30 or 40 minutes away from Oxford city centre. I will talk about my time in Oxford in a later blog.

While Right On Your Money was going along, I was drafting a letter to Right On Your Money. I just want to highlight my perspective on money.

Exclusively, I can reveal the open letter in this link.

You may have seen it already before reading this blog. Overall message to warn people how to look after their money. I think we all take money for granted, Ok, if we got £100 left, why don’t we got an expensive chair or go get £100 gift card from Harrods.

Common occurrences like Cowboy Builders doing bodge jobs can be difficult to replace in a short space of time money wise, buying a house can be considered expensive, car insurance is most likely to be expensive so we can’t be limited.

Ok, I most likely to buy more and more music even if it is built up. Most people can’t live without music.

To all those people struggling with money, my message is, love your money like loving a family member. Don’t abuse your money and keep control of it and not money be in control of you.

That is me done and off to bed. Hope you enjoyed my blog. See you next time.

Joe

Open Letter to Right On Your Money

Open Letter to Right On Your Money

Dear Right On The Money,

Having seen your first programme, I was quite astonished that a person could spend £800 on books for six months???? That did shock me and I thought the number was ridiculous.

I don’t have any debt myself. Like myself, load of people are interested in books but I would like to give some tips or things to think about in terms of saving money and being realistic with money.

I would consider myself an impulse and non-impulse buyer. I brought a large book over six months ago and carried it home with me because I felt I needed it but yet it is still unopened.

Important word I like to use is INVESTMENT. When I buy something I consider it to last and get great use out of it. The thing is, although I have brought more books than ever before, I control my spending habits, I know what I would like to buy but I try to be disciplined. That is what I think everyone needs to do.

For example

I went into Waterstones yesterday, I looked into the sports section, there were two books I wanted to buy, and they were called:

Wisden book of test cricket 2000 – 2009, it was priced at £45

The Classic Guide to Cricket by W G Grace, it was priced at £9.99

But I said to myself, do I really need to buy these now? I felt tempted, I briefly read the first few pages, I had the opportunity to buy them because I had my wallet with me but I didn’t see the point of spending it there and then because I knew I wasn’t in my priority list. Although it wasn’t in my priority list, I keep a list of books I want to buy and store them on my iPhone; there is a list of 21 books that I would like to buy.

What would happen if I had brought those twenty-one or how many books that I kept a list of on impulse? What would it prove of buying books found in Waterstones and WH Smith, I’m not expert but it questions my belief in money, I want to save my money back for when I actually need it and maybe revisit the things I want to buy at the later date and say to myself, Do I Need This?

The best advice I would give for book buyers is look out for the saying, “Good things comes to those who wait”. Ok maybe that isn’t true but it worked out for me. I volunteer at a bookshop and I just want to give you some examples

Ryan Giggs Man for All Seasons,

Price on Amazon: £9.94, in the bookshop I paid £3.99

My Manchester United Years: Bobby Charlton

Price on Amazon: £20.00, in the bookshop I paid £3.99

Six Wives of Henry VIII by David Starkey

Price on Amazon: £11.24, in the bookshop I paid £3.99

If I brought all those on Amazon, I would have paid around £41.18 plus delivery costs if they’re any.

I found all these books in the same bookshop, if you know your maths, 3 books multiply by 4 equals 12. I’m not a professor, but I use common sense, from that, I saved £29.18.

It may not seem a lot but we never stop buying books or in other words we don’t just settle for what we have.

So in summary, my tips are:

  1. Think before you buy, Do I Really Need This Book? Take a few minutes to gather your thoughts.
  1. Browse the book. If you are genuinely interested, write it down if you have a piece of paper or write it down on a smartphone.
  1. Once you have written the book and remembered the title and author of the book. Find the book on Amazon, look at the reviews, and go back into the shop where you first found the book. Then you would have a relaxed or conscious state of mind. If you decide you want to buy the book from home or can’t be asked to go back in the bookshop, I recommend looking on eBay or buying a used copy of the book. If you aren’t tempted, that’s great, you fought the temptation. That is what I say to those who need advice on money.

Hope this helps

Joe Phillips

Yikes

Yikes

Hey everyone!

This a blog I wanted to publish in June but never got to it. Hope you guys and girls like it.

Interesting day, sun is shining, and various of things have happened. Some of them mostly negative, I just have to live with it sometimes. What is the point of talking about negatives? It just makes matters worse. Various topics I would like to cover …..

First thing, I want to say, if you are reading this in the UK, you got to check out Radio 1’s Big Weekend on BBC iPlayer or if you are out of the UK, you might be able to find most common ones on Youtube. There were some amazing artists that performed there. I’m not a festival or concert goer myself but I was so jealous. I seen Jess Glynne and Rita Ora and they looked superb. The one I enjoyed myself was Rudimental. I brought their album over a year and a half ago and who needs Ella Eyre, John Newman, Alex Clare to perform with them live. Rudimental have a great buzz about them, similar to Clean Bandit in the respect that they aren’t known for their vocals. I wonder if this is the future of music where we will see more dance/electro music these days? The other bands I would want to listen to are Taylor Swift, Clean Bandit, Olly Murs, Charli XCX, George Ezra and maybe Muse as well.

Moving on …. I’m not much interested into political stuff but I was glad that Sepp Blatter resigned. He just reminds me old “Gramps” who needs to retire. To be honest I have no problems with Russia hosting the World Cup, I think Russia can host a great world cup. However I don’t feel Qatar would be ideal hosts to be honest. I don’t like the idea of having a World Cup being held during the winter. If I did want to give the world cup to someone, it would be to Australia because with Russia, it brings excitement and it would benefit the Australian economy. They have an established A-League so I think its claim is legitimate.