Tired and Skint

Category: Personal Development

  • My 10X Goals

    10X goals. You may have heard the term 10X before. I first heard it from Grant Cardone and since then I’ve heard it used in many different contexts and by many different people and I can only come to the conclusion that it’s meaning is different to everyone.

    For me, it’s means things that can literally change my life, things that aren’t necessarily tangible but have a profound impact. Some are tangible, think 10x income.

    They need to be big enough that they seem impossible in your current situation but also a little possible. My income is around £1800 net per month, my goal is to earn £20k per month. Seems impossible but it’s not. Now obviously it’s not going to happen to me tomorrow but think, CEO’s, VP’s, business owners, professional athletes. Almost all of them earn £20k+ a month. £20m a month, now that’s ridiculous (and whilst still not impossible, I’d have to own Amazon to earn that).

    The non tangible things, having a positive impact on my community, freeing up time, creating deeper connections. Much harder to put a number on, I can’t measure a deeper connection with a number. I can however, benefit from better relationships, connections and communication but how much by?

    The key for me is to set goals that seem almost impossible to achieve from my current baseline but by breaking them into manageable chunks (seasons), I might just be able to do it. It’ll be hard work but worth it in the end, so without further ado, here are my goals.

    10x Goals (to achieve in 3 years from 10 December 2025):

    Financial:

    • £20k per month income
    • 10 houses
    • £250k nest egg

    Personal:

    • Freedom to work from wherever
    • More time
    • Stress free (or at least only have stress I want)

    Relationships:

    • Ability to drop anything for them
    • Stability
    • Peace

    Community:

    • Help other achieve more

    As you can see from my list, I’ve broken them down into 4 categories. 3 of them I feel will have the biggest impact on my life and the 4th one is to give back. I only have 10 goals for now and that’s intentional, any more than that and it would be overwhelming. I have loftier goals for the future beyond these 3 years but everything needs to be done in seasons at least.

    I’ll post the seasons here as and when they are created.

    Season 1: 10 December – 10 March

  • Why am I going to change my life.

    In this post, I want to cover why and how I am going to change my life. My life is great in places and dire in others. I’m going to change the bad things, improve the good things and cut the fat.

    My past choices and current actions have led me to where I am in my life and if I’m not careful will define me. On my current trajectory, I believe that my future life with look like this:

    • Living pay cheque to pay cheque.
    • Constant stress and pressure.
    • Lack of purpose.
    • Lack of time.
    • Failing relationships.

    Obviously, it doesn’t sound great and if someone gave you a choice to live that future or a better, more prosperous future, I’d bet you pick the latter. Which is why things need to change.

    I’m having to reframe my mindset, not necessarily into a more positive one (I like to think I’m fairly positive already) but into a more future me mindset. I’ll touch on this more in another post but a brief summary below:

    My actions need to be driven from my future life and not my present life trying to define my future. I have a goal to earn £3k per month, net income into my bank. The present mindset is to try and earn that money from where I currently am. The future mindset is change my circumstances to get there, to cut the fat.

    A simple example – I spent 1 hour and 33 minutes yesterday doing nothing useful. Just scrolling and randomly checking emails, making a cup of tea and just floating around with no purpose. I could have earned £15 driving for deliveroo in that time or £15 training AI. It’s not much but it’s a start.

    So how do I change my life driven by the future me?

    The first thing is to set my future goals, I have 10 goals for the future (3 years from now). I’ve split them into 90 days chunks which I call “seasons”. I have 12 seasons to achieve my goals. My goals are lofty and on paper from where I am now, unachievable and almost laughable but to me that’s a good thing. By splitting them into 90 day seasons and much smaller objectives, it becomes more achievable and more appealing. My 10X 3 year goals can be found Here. On that page you can find links to each of my 90 day seasons as they are uploaded but I want to leave you with one goal as an example.

    Earn £20k a month net income. Hahaha. For context, I’m lucky if I get £1800 a month net. So as you can see unachievable, laughable, unrealistic. Or is it? My first 90 day season is to earn £3k per month net. I’m already over halfway there. £1200 to go.

    I can break it down in so many different ways to get to that figure.

    • Earn £100 a day overall
    • Earn £40 a day extra
    • Sell things on eBay/vinted
    • Deliveroo/Uber Eats
    • Second job
    • Ask for a pay raise
    • Opt out of workplace pension (£15 per week) please don’t do this.
    • Train AI
    • Surveys
    • Matched Betting

    So on and so forth, the point is that there are loads of ways to earn a bit more, just a bit of creativity and thinking outside the box.

    The main differentiator for me will be trimming that fat, the 1 hour and 33 minutes yesterday doing nothing, needs to be converted into doing something productive.

    7.5 hours a week (Monday to Friday) over 4 weeks is 30 hours. 30 hours at £15 an hour is £450 and that’s without optimising anything.

  • Just Get Started

    What have you got to lose?

    I’m guilty of procrastinating, I put things off because I don’t want to do them or I think it’s too big of a task to tackle today so I put it off. What I’ve found is, it doesn’t go away and it doesn’t get any easier, often it gets worse. It drives my wife crazy.

    The other reason, I want it to be perfect. There’s often a lot of complexities in things we do and I want to understand it all before I do it, the end result. I don’t do it and I use the excuse of I’m researching it or I need to understand it all first. To me they’re just excuses and something I still do now although I’m making a conscious effort to try and change that.

    This blog is a perfect example that we can all see. As you can see, it’s far from perfect, it’s sloppy and nowhere near where I would like it to be. The old me wants me to get everything perfect and then launch it. The new me, just get started. I don’t want to bore you with the intricacies of how websites and traffic works but I’m going to provide a brief overview so that you can get an idea.

    A website needs to be user friendly, visually appealing and have a traffic source. It then starts to get trickier, listing on google, keyword research, optimising pages, subscriptions, calls to action, navigation menus, SEO, the list goes on and on and I know this and it’s overwhelming, so much to do and so little time. I could spend a month full time getting it to where I want it to be, ready to launch and the outcome would be 0. No views, no visitors, no traffic. All I’d be left with is a very pretty website that doesn’t fulfil any purpose. Knowing all this, I decided to just get started.

    I made a very rough plan and got to work knowing that as time goes on it will get better, my writing will get better, the website will get better, the visitors and views will get better. There are tools available that let me monitor how the site is doing and what areas to improve, so with that in mind my plan was created.

    1. Start writing posts and pages and publish them.
    2. Monitor the website analytics for views, new users, returning users and bounce rates. A bit more boring website stuff
      • New users shows me my website is getting out there
      • Returning users shows me people are coming back
      • Views shows me what pages get the most views
      • Bounce rate shows me how many visitors come to the website and do nothing
    3. Adjust the website based on the above metrics.

    It was really that simple for the new me. I knew all these about websites and the intricacies of how to make them successful and I chucked them in the virtual bin, in pursuit of just getting started. If I didn’t do that, this website would be very pretty but not online in the pursuit of perfection.

    What are you going to chuck in the bin today in order to get started?