Tag: change

Guest Post: 7 Reasons You Need A Personal Budget

So, what is a budget anyway and why do I need one? A budget isn’t just a piece of paper carried in that big red sandwich box that worried looking bloke waves about every March outside 11 Downing Street. The Budget is the Government’s best estimate of what they will receive in income for the year ahead – taxation, revenue, sale of signed photos etc – and what they intend spending it on – NHS, wars, salaries, new dart board for Dave’s office etc. In the same way, a personal budget will have a forecast of your year’s income and how you intend to spend or save it; this can very easily be done with accounting software now readily available on-line. Like the Government, you can include borrowings in your budget, but unlike them you can’t decide to “print” money to ease your financial troubles – well not legally anyway! Here are 7 reasons for making a personal budget.

1. Paying The Rent. Unless you still live with Mum and Dad, housing costs – whether rented or purchased with a mortgage – will probably be your largest regular expense. Unless, that is, you are addicted to chocolate in which case see below. It is a good idea to start with listing your main living expenses including fuel and Council Tax, Sky TV and other essentials so that you can then assess what you have left at your disposal for your other needs or aspirations.

2. Chocolate. If you do have a passion for chocolate or indeed any other luxury for that matter, having a budget will show you the areas of expenditure that you can economise on so that you can indulge your passions ad nausea. This advice is given only on the understanding that you are responsible for your own health and that the author cannot be held liable for any complications arising from excessive consumption.

3. Holidays. Home or Hawaii? A few people enjoy holidays at home, but if your ambition is to spend six months in California then your budget can help you reserve the cash to achieve it. If you know in advance how much you can spend on tickets and trips you can often pick up a bargain by advanced booking; or you could be in a position to make a spontaneous purchase when you spot a good deal and be confident that you will have the funds to cover it already in your holiday savings pot.

4. Food. In the intervals between clubbing and sleeping, most people eat food. This may be dispensed with but that is not a recommended plan for enjoying a longer life. If you are already aware of what you spend on food regularly it is easy to budget. If you are not aware, then you can take a stab at it and adjust the budget after a while to reflect how much you wish to spend and then shop accordingly.

5. Work. Unless you are lucky enough to be able to work from home, then you need to budget for travel to and from work, whether for bus or train fares or the cost of running your own car or bike. You may need to reserve funds for buying tools or clothes. Unless you are expert at charity-shop scavenging you could need to spend a bit on looking smart in the office. Especially true for the office-party when you need to impress someone you want to share your pencil with; or even your boss for that matter.

6. Christmas Is Coming! For many people Christmas is the time for giving and having a good time; and the rest of the year the time for remorse – especially after the afore mentioned office-party – and for scratching around trying to pay for it! You can set yourself a budget for presents and entertaining and, as long as you stick to that, the only headache you will have in the New Year will be a hangover and not a financial one. No longer will you have to wrap up a box of tissues for Granny’s gift, trying to convince yourself in doing so that it is the thought that counts and that she will forgive you for your spendthrift ways once again.

7. Play. You will need to know in advance whether you can afford that season ticket for your favourite team or will instead have to resort to standing on the touchline at the Rec. to get your sports fix. Perhaps you might want to start a new hobby or activity and to plan ahead for equipment purchases or memberships. Your budget will help you make those decisions wisely

You don’t have to keep your budget in a big red sandwich box, but it will be useful to have it to hand to see how well you are managing your finances and how much you will have left at the end of the year for shoes or chocolate. Accounting software will provide you with an easily accessible reference and a method of budgeting to enable you, and not your bank, to have control of your finances!

April 16, 2012
7 Reasons That This Is The Greatest Bus Service Ever

Great news for 7 Reasons readers that are also fans of buses! For the third time in our history, we’re writing a bus-related piece featuring – you guessed it – buses!   The reason for this is simple; as reported today, by various news organisations, a brilliant and ground-breaking innovation in the field of public transport has occurred in, of all places Wiltshire (and Hampshire) where residents of Winterslow can now avail themselves of what is effectively a one-way bus service to Andover, on weekdays and weekends. It does go in the other direction too, but the return service departs before the outbound service arrives. Here are seven reasons that this is a brilliant idea.

Not actual 87 bus.

1. It Utilizes Underused Resources. At night, once buses have stopped running, bus stops stand idle and unpopulated, making them ideal targets for ne’er-do-wells, rapscallions and vandals. Not in Andover though. With the new one-way timetable, bus stops in Andover will be used outside of peak periods, in fact, all through the night, as bus-users from Winterslow use them to shelter from the elements as they wait until the next day to return home from their visits to WH Smith and Poundland. The new timetable brilliantly uses passengers from Winterslow as a free security force to protect Andover’s bus stops from vandalism at night. A free security force. Ingenious.

2. It’s Innovative. It really is. The history of Britain is peppered with examples of blue-sky, outside-of-the-box, joined-up-thinking and ground-breaking innovation and no one can say that this bus timetable isn’t innovative. A bus that only goes one way. It’s revolutionary! Or at least it would be, if it went full-circle and returned from whence it departed. But it doesn’t. It is, however, definitely an innovation. A one-way bus! A bus that takes you somewhere and then abandons you there. Have you ever been on one of those before? No, I don’t suppose you have.

3. It Encourages Further Innovation. Not only is the one-way bus to Andover innovative, it encourages further innovation. Because for great creative and inventive thinking to occur, three things are required: Time, will and an environment conducive to uninterrupted thought. Spending hours on end in a deserted bus stop takes care of the first and the third things and who, faced with waiting until the next day for the bus home (or having had their bus home leave before they’ve arrived) wouldn’t want to invent a time-machine? The bus-users of Winterslow could achieve great things while they’re waiting for their bus. How brilliant of their local authority to create the environment in which the creative talents of the people of Winterslow can bear fruit.

4. It’s Soothing. This public-transport quantum-leap eliminates one of the biggest objections people have to travelling by public transport. Timetable-anxiety: That nagging feeling that haunts people who know they have to finish whatever they’re doing punctually and get to a certain place at a certain time in order to return home. But now the residents of Winterslow won’t have to hurriedly conduct their affairs in Andover. They will experience no more the subliminal torment and creeping trepidation associated with having to rush their business to meet a tight deadline. The people of Winterslow can’t go home.   They have been liberated from the tyranny of the timetable. And from housework and nice, warm beds and things.

5. It Elevates Bus Travel From The Realms Of The Mundane. Why do the people of Winterslow take the bus to Andover? I’m sure that’s a question that none of us ever thought we’d be facing but it’s there now, so let’s brainstorm it (very briefly). Okay, are we all agreed that it’s to use the more comprehensive facilities and amenities generally associated with a larger town; shops, banks, post offices and the railway station etc? Good. But those are all rather dull things (except for etc which is redolent of mystery). Now, however, a trip to Andover has been turned into a stopover. It’s not a trip to the bank before returning home, it’s a holiday. The bus-users of Winterslow are now tourists; travellers. They’re the diesel-set. It’s so much more glamorous than a regular bus service.

6. It Saves Money. It saves the local authority money as they only have to run a bus one way (unless the bus depot is in Winterslow. Or Andover) and it saves the passengers money as they’ll only be paying for single tickets (plus they can turn the heating off in their houses for the night and they won’t be using their televisions or hobs and ovens or washing machines). So everyone wins here and, when they’re not working on their time-machine, the bus-users of Winterslow will be able to spend their night in the bus shelter calculating just how much money they’ve saved!   How thrilling and uplifting for them. This is the sort of financial whizz-kiddery that could revolutionise the public sector.

7. It’s Traditional. Wiltshire Council are merely the latest innovators in a grand tradition of cutting-edge bus-timetable thinking in the UK. With their one-way bus service, they may even have surpassed the nation’s previous high-water-mark in radical timetable departures: In 1976, it was reported that buses on the Hanley to Bagnall route in Staffordshire regularly sailed past queues of up to thirty people. This was because – in the words of Councillor Arthur Cholerton – if these buses stopped to pick up passengers, it would disrupt the timetable.* I think the one way bus service may well have topped the no-passenger model. I think the people of Wiltshire can feel rightly proud of their council’s accomplishment. And they’ll have a lot of spare time to feel proud in. Wiltshire District Council, we salute you!

Source: The Book of Heroic Failures (1979). Stephen Pile (An excellent read).

September 20, 2011
7 Reasons That Time Zones Are Confusing

The way we measure and calculate time is a wholly abstract construct that is often difficult to grasp. And then, when we split it into zones – that are also abstract – it becomes very confusing indeed. Here are seven reasons why.

1. South Africa. I’m not a geographical expert, but I have rough grasp of the map of the world and how it relates to me. I’m in England; I know that South Africa is approximately 5,500 miles away from me. I also know that France is 21 miles away from England. But it’s exactly the same time in France right now as it is in South Africa. This means that when it’s lunchtime in Cape Town, it’s lunchtime in Paris, and when it’s teatime in Cape Town, it’s lunchtime in Paris. But they’re so far away from each other!

2. The Moon. The moon has a time zone of its own, Lunar Standard Time. Today’s date on the moon is 42-12-21. So if I go to the moon, I’ll probably need a separate moon calendar, and perhaps a moon watch, though I’m not certain about that. What I do know is that the time (and date) on the moon bear no relation to the time and date on Earth, or even in Paris, where it’s still lunchtime.

3. The North Pole. There isn’t a time at the North Pole. The moon has a time, but the North Pole doesn’t. The reason the North Pole doesn’t have a time zone is because there’s no permanent human presence at the North Pole – which makes me wonder if there’s something that we’re not being told about the moon? If you go to the North Pole, you can just choose (arbitrarily) to be in whichever time zone you like. This means that you can be in a totally different time zone to the person standing next to you and the same time zone as someone standing inside Starbucks in Croydon. Or Johannesburg. Or any Starbucks you like.

4. The South Pole. The South Pole is on New Zealand time, despite being a long way from it. This is because most of the things that the polar bases consume are imported from New Zealand. But in Britain, most of the goods we consume come from China, though we’re not on Chinese time (yet). This is good as their next New Year is in February, and my New Year guests arrive in December, and there’s only so much of me they can take.

The International Date Line

5. The International Date Line. You may have already noticed that it’s not straight. This means that if you travel sort of North-Eastish, by sea, from New Zealand, the date may change several times on the way. The date line isn’t a time zone though, so when the date changes, the time doesn’t. So you know it’s 2pm, because that’s what your watch tells you, but you don’t know if it’s today, yesterday, tomorrow or Thursday – which must make arranging shipboard entertainments damn nigh impossible. And what if one of the days is your birthday? If you’ve worked on a sort of North-Eastish-sailing ship from New Zealand for a few years, you could end up having your fifty-ninth birthday at the age of twenty-seven. And then your presents would be inappropriate. What twenty-seven year old wants a subscription to the Radio Times and a pair of Totes Toasties for their birthday?

6. Trains. The Indian Pacific train in Australia has its own time zone. On its journey between Kalgoorlie and Kalgoorlie the time on the train bears absolutely no relation to the time zone that the train is in. This is because it crosses several time zones (including a weird one that changes in half hour increments). I find this confusing, but compared to British trains – which also seem to operate in their own time zone, one that bears no relation to either the time outside the train or the published timetable – it seems quite straightforward.

7. Greenwich. Greenwich Mean Time (GMT) is the time zone of zero degrees longitude. Greenwich is in London. London switches to Summer Time (BST) during the summer months. This means that London is an hour ahead of Greenwich in the summer. But, as Greenwich is in London, Greenwich is also an hour ahead of itself. This makes my head hurt. But if anyone can think of a way in which I can exploit this to plan a heist or win the lottery, please let me know.

April 12, 2010