10 things I would tell my younger self

10 things I would tell my younger self;

1. Don’t use credit cards
I have spent years living off credit cards eventually you end having to have credit cards simply to maintain the ones you have. I’m paying them all off now but I dread to think of how much interested I’ve paid over twenty years.

2.Get into more trouble.
I’ve always been a bit risk adverse, particularly when I was a boy. I really wish I had got into more trouble, not serious trouble but lived a bit more.

3. Stop going to church
I have made many great friends and meet lots of lovely people through attending a church but ultimately lost a lot of time going to something I no longer believe in, I just wonder what I could of done with all that time? I would have probably just wasted it playing computer games so maybe it wasn’t so bad. My youngest son things I will offend people with this one. Just to be clear I’m telling my younger self to do this, I’m telling anyone else not to go.

4. Don’t use credit cards
Just in case I didn’t listen to my older self the first time these are really a bad idea. Only use them in an emergency.

5. Travel more
Probably my biggest regret in life that I didn’t travel more. I can travel now and fully intend to but wish I had done it when I was younger when my legs where a lot better.

6. Stop playing the lottery
Total waste of money I have put way more into it then I ever got out. I’m still playing it now because I might win it in the future …

7. No really credit cards are a bad idea.
I was being serious about this one don’t use them. Not even in an emergency because most the time its wanting something rather than really need it.

8. Save money.
If only I had shown some restraint and done this rather than used credit cards, sorry I promise that’s the last time I’m going to mention them.

9. Don’t bother with politics
I was heavily involved with politics in my youth at the time I thought I was changing the world in reality I help get a few self-serving people get elected. I would have been better spending my time working for a charity or playing computer games.

10. Buy as many first edition Harry Potter book as you can find.
If I had got into the book when the first one came out rather than after the third one I would have been able to pay all those credit cards off (dam said it again).

I’ve made a lot of mistakes in life but don’t have a lot of regrets, mainly about money, (see I didn’t say credit cards). Anyone feel like sharing theirs?

P.S. After finding that old picture of myself I would like to add; eat less cakes and get a sensible hair cut.