In it you meet Jo Morgan who puts all her energy in to minimising the risk in her life. Accident prevention is part of her job as is planning for catastrophes that might happen. But it is not just a job to her, it´s a way of life. Her long term boyfriend Dennis her senior at work also shares this way of life and it seems to be their bond.
Then Jo is the victim of a hit and run accident and everything starts to change as Jo realises that she can´t avoid all risks in life. Jo goes on a inner journey to explore why she has a deep desire to prevent accidents and plan for catastrophes. With guidance from new found friends Jo starts to take risks and begins her outer transformation. Jo´s life with Dennis starts to fall apart as a new one is created through her inner soul searching and outer risk taking. The conclusion of the book is the transformation of Jo to a much happier well rounded individual.
Jo Morgans character feels some what false at times because Jo´s views on risk minimisation in life are too extreme, especially at the beginning of the book. The plot is far too predictable and I would find myself reading other books rather than finishing this one.
First off I have to say I was disappointed with Book by Whoopi Goldberg. I was expecting to read of Whoopi’s private life, but she kept her private life just that, private. She doesn’t discuss how a black woman, living on welfare became a master comedian and Hollywood movie star. But enough of what she doesn’t discuss, let’s talk about what she does.
She writes as she speaks, witty, cleaver, politically minded and with an air of spiritualism in some parts. She has split the book in to topics including: fate, wind, trust, head, home, self, eggs, space, cost, cheer, flock, love, race, sex, need, heir, choice, drive, death, word, dick, talk, taste, dream & help. She gives her views, thoughts and opinions on all of these topics. With some very interesting view points.
I do like Whoopi, I have to say this at this point. Indeed she is an inspiration to me (see People that inspire me). But the book wasn’t a page turner. It was one I’d pick up and read bits of from time to time. I actually bought this book quite sometime ago, but I’ve only just finished it now. So if you like a book you can pick up, read bits, put down again and like Whoopi you may enjoy it. But my disappointment remains.
Have you read it? What do you think? Leave a comment.
After the Christmas period many of us feel the financial pinch. There are two ways essentially in finance to deal with this:
1. increase your income or 2. reduce your expenditure. I’m voting for the latter by attempting to live more frugally. To live frugally means:
Frugal Definition
adjective
not wasteful; not spending freely or unnecessarily; thrifty; economical
not costly or luxurious; inexpensive or meager a frugal meal
(From http://www.yourdictionary.com/frugally, Last accessed: 05 January 10)
So with this in mind here are my top tips for living frugally:
Setting a monthly budget
Set a monthly budget carefully and realistically. Consider the following:
Consider the amount you earn after tax and budget to that amount. If your expense is bigger than your income you need to look at what your paying out and what to cut back on.
Consider the real cost of things (e.g. don’t put a £30 for your mobile bill if it’s more than likely going to cost you £50)
Consider when writing it any one-off expenses during the month (such as people’s Birthdays, Car Insurance, etc.).
Consider the occasional 5 week month and adjust your budget accordingly
Ensure you have some “free cash” for leisure purposes.
Now you’ve got a budget, stick to it.
An Emergency Fund
Start an emergency fund in a separate account if possible. Saving a set amount a month will mean if you have an unexpected expense it doesn’t mess up your monthly budget and lead you in to getting in to debt (or more debt).
Plan to Reduce Debts
Most people have debts these days, however you need to keep them manageable. You need a plan to reduce your debt, ideally making more than the minimum payments each month. Budget your debt payments in to your monthly budget.
Shop around for Insurance
Whether it’s car insurance, buildings insurance, home contents insurance, etc shop around. Use the price comparison websites like Go Compare, Money Supermarket, Compare the Market, etc. Don’t automatically go with your previous provider as there may cheaper alternatives giving you the cover you need.
Shop around for High Priced Purchase Items
So you need to buy something big eh? Perhaps it’s a new TV or a Bluray Player. What ever it is again shop around. Consider Amazon and Play.com. Look at Froogle to compare prices from different retailers like you can for insurances.
Negotiate a deal on your Bills
Companies are going to hate me for writing this, but did you know you can often blag a discount on your bills when your coming to an end of a contract with a provider?
For example when your mobile phone contract is coming to an end, ring up your current provider. Say that you’ve been offered a better deal else were and ask could they offer you a similar deal? You’ll be surprised the amount of times they will come back to you and offer you some sort of discount on your bills if you renew your contract with them. This is because they don’t want to loose your custom. So make it work for you. Negotiate with them (or in my terminology blag em) to get the best deal for you.
Stop & Think
If your an impulsive shopper like me stop and think. Ask yourself Do I really need this item? If you can’t justify a good reason don’t buy it. Think about what impact buying this item will have on your monthly budget, will it still make your budget workable? This is particularly important to remember in Supermarkets. They often have 3 for 2 offers on to get you to spend more and bulk buy. Again you need to stop and think.
In my case I love clothes shopping. Were it can’t be justified (i.e. clothes needed for work or a special occasion) and it isn’t budgeted for I must NOT buy.
Keeping in Touch
We all like to keep in touch with our friends and family. However long phone calls or text conversations can be pricey at the end of the month when the bill arrives. So at every opportunity keep in touch for free via email or Facebook.
Leisure activities, don’t have to cost…
…an arm and a leg. There are loads of things you can do for free or at a smaller cost. For example you can go walking which is essentially free. Or rather than going on a night out and spending a fortune in pubs and clubs consider a home party which will lower the costs. You simply need to be creative here.
I hope my advice has been useful (just little tips I’ve picked up along the way), now all I have to do is stick to my monthly budget.
Regular readers will know that I love to write. Well recently I’ve started reading Wannabe a Writer? by Jane Wenham-Jones and a lot published authors recommend you read books to improve your writing. So here’s the books I’ve read this year:
I intend to read more in the up coming year (2010) and will try to write up some reviews on books read both in 2009 and 2010. I’ve already been adding books of interest to my Amazon WishList which include a broader variety of fiction than ever before. It’s like I’m becoming obsessed with the written word.
Are you a Doctor, Nurse, Healthcare Assistant or Other Healthcare Professional? Or a Student?
Ways The Human Body Can Go Wrong covers every system of the body, what can go wrong when the body malfunctions or fails, symptoms (including why these happen) and cures/treatments available.
It includes knowledge around essential skills for Clinical Excellence such as Assessment, All Age Observational Norms, Models of Care, Communication/Handover Tips, the role of Specialities, Medication Tips, Dealing with Errors, Documentation Advice and a list of Useful Resources.
It is written in plain English, but highlights important medical terminology. It has been written at a level where someone from a non-medical background can pick it up and learn, but that it is still valuable to those with significant Clinical Experience.
My dear friend Roy decided to follow in his family’s footsteps and enlist in the Royal Navy.
I wanted to maintain our friendship, to continue to support Roy, to make him laugh and to entertain him. So I came up with the idea of sending him a weekly email on random topics.
These emails were on a variety of topics, always being entertaining, sometimes being interesting, sometimes funny and occasionally being serious.
Topics included: Jokes, Puzzles, Inspirational Quotes, Future Technology to Be Excited About, How to Fight A Shark, How to Woo A Turtle, Some of the Most Amazing Jobs in the World, Facts About Castles, Do Aliens Exist?, The Kindest Humans, A List of Cakes, 13 Weird Body Facts, 20 Super Space Facts, Ancient Egyptian Curses, 10 Weird Olympic Games, The Great Emu War of 1932, Quiz: Flags of the World, Legendary Characters from the UK and others.
My Royal Navy Friend is a copy of these emails. In total, there are 52 emails. Dispersed throughout the book are also Royal Navy facts and stories.
This workbook has been designed for anyone that is struggling with alcohol or has struggled with alcohol in the past.
It is written in a Motivational Interviewing style, one of the key therapies used to support people with alcohol issues. It has been designed using a trauma-informed approach and is strength–based.
What you will find in this book is more than just worksheets about alcohol. You’ll find all the tools someone needs to get into recovery from alcohol and stay there. It’s a therapy-based book, not an alcohol-based book.
SpellCast is a comprehensive compendium of spells, oils, charms and talismans. It is purely a book about magic, folk magic for the 21st century. The spells are ones that are tried and tested, with some that will stand the test of time.
In SpellCast you will read about the power of Instant Magic, of Banishment & Bindings, Blessings, Cleansing, Communication, Death, Employment, Finance & Money, Fertility, Friendship, Happiness & Joy, Health, Love & Relationships, Luck Magic, Protection, Transformative Magic and WishCraft.
This book will change your life. Your life will be abundant in all meanings of the word.
This book contains everything that you need to know about mental health and mental illness. Mental Health Wisdom is divided into three sections.
Understanding is section one and is all about the facts of mental health.
In section two, Empathy Through Lived Experience, the author shares his personal experience of mental illness.
Life Hacks is section three. It’s all about self-care and quick and easy ways to improve your mental health, prevent mental illness or relapse of mental illness.
Mental Health Wisdom contains everything that you need to know about mental health and mental illness.
Mental Health Wisdom is divided into three sections.
Understanding is section one and is all about the facts of mental health.
In section two, Empathy Through Lived Experience, the author shares his personal experience of mental illness.
Life Hacks is section three. It’s all about self-care and quick and easy ways to improve your mental health, prevent mental illness or relapse of mental illness.
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