Thursday, 15 October 2009

Zero-credit's future ??? you decide!

It's coming up to a year since I left my full time permanent job. I had my ovaries out just over a year ago as a precaution against the breast and ovarian cancer gene I inherited from my mother. At the time, I hated every minute of it. It was difficult to come to terms with lost energy - it still is - although perhaps now my lethargy has more to do with the sedentary hours spent writing and researching in one medium or another. I was very out of puff walking around Conkers with Phil Campbell yesterday.

I've woken this morning with the thought that I need to exercise more and then recalled that I had pencillled in going to a gym from October half term as I should have settled into my routine of part time teaching and Zero-crediting from then. It all sounds very organised, but Zero-credit keeps growing through increasingly unexpected avenues - hardly surprising given it started life as a book and I knew nothing of social media until last June. ConkerTU is the current diversification, a programme of eight annual tweet ups in the Heart of the National Forest to promote sustainable living: http://conkertu.tumblr.com/ 

If you've been following this blog, then you'll know that Zero-credit is about so much more than living on the cheap. Budget lines are often a false economy. Much as I teach kids that we want to work smart, not hard, Zero-credit demands that you source savvy to sustain a preferred lifestyle. My treat is invariably a good holiday, yours may be film, music or sport and we can only indulge in these things when we accept compromise elsewhere. Still, I do wonder if Zero-credit will ever self-sustain so that I may pursue writing new. 

It's hard. Living on just over half of my prior income is hard. I can maintain the status quo, as I should not have taken this route if I could not keep my family. However, it's the investments in the future which require some thought and I have no financial model for Zero-credit as yet, although I'm beginning to think that charitable status is the logical conclusion. It's getting there which confounds me - I want feedback, another opinion.

In the immediate term, Zero-credit needs a couple of grand. My laptop is on its last legs - fit for word processing and that's about it - and for mobility's sake, I'd like an i-phone, although the finances are a huge stretch. More than anything, I'm asking you to leave a comment today. Some have said I should use Adsense, although based on the ease with which I pasted the “debt standard” into this blog, I'm most wary of that. Others have suggested enabling donations to be made. 

I believe that Zero-credit needs to remain a free resource for anyone wanting or needing to access a credit free lifestyle. My logic is emotive - our failure to respond to articles such as that in The London Evening Standard on 2nd October about a mother who drowned her son and attempted to kill herself over unmanageable debt is barbaric. Indeed, until UK debt advice is free from irregularity, Zero-credit needs to exist. My question is, how would you like me to ensure that? 

Posted @ 07:01:04 on 15 October 2009 
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