
Hello,
I’m writing alot today but I think it’s important to get all these things off my chest.
For the last three years I’ve earned something like £75 grand after tax. Give or take, I haven’t done the sums properly. I’m walking away (after a deal done with my previous employer) with around 1/7 of that figure.
Had I been smart with my money I could be walking away with £55 thousand pounds, fact.

The truth is my finances for a long time have been in complete and utter chaos. I’ve purchased needlessly, I’ve bought on impulse and I’ve damaged my credit rating.
At the beginning of the year I made a goal to work out and sort my finances. Had I done something at the beginning of the year I could be 10-13 thousands pounds better off than I am today. That has not happened and I’ve learned a solid, important and yet financially painful lesson.
I deserve this lesson.

I’m changing my ways and that begins at the bottom. I’m learning and taking advice from various mediums, including, www.moneysavingexpert.com, The intelligent Investor and Mathematical books on Finance.
I have some time on my hands once I come back from backpacking, so within 6 months I expert to be an absolute expert in, “The Game of Money”.
I want complete choice with Money and do not want to rely on money nor be constrained by it.
I’ll be writing more when I understand more.
Thanks