Talk Money Blog – Meet The Editor
Hello! My name is Mark Aucamp and I’m sure you are wondering what authority I have to publish Talk Money Blog and provide expert advice about credit card debts, debt problems, the mortgage market, money saving tips and other personal money issues? Well, for the past nineteen years I have provided debt management advice and mortgage advice to paying customers. My advice has always been based on what was right for my client and not for myself as the broker or the mortgage lenders, or debt management companies. I have always explained to my clients what the pitfalls were and who received what money from their transaction and of course how I made my money as an adviser. My approach has always been based on giving an honest answer or explanation to any give question.
I’ve been fortunate to have had a fair amount of earned money go through my hands in my lifetime and I have realised that money is a game and you need to know the “Rules of the Game!”
Talk Money Blog the Three Rule Of How To Play the Money Game
Rule Number One is not to make money your God, money is there to enjoy and to make our lives more comfortable and enriched.
I was born in South Africa under apartheid rule and brought up in Mombasa and then Nairobi in Kenya during the Mau Mau uprising. At the time Kenya was under British rule until independence in 1963 when Jumo Kenyatta became Prime Minister and then President. Jomo Kenyatta was the founding father of the Kenyan nation and was responsible for shrugging off the shackles of British colonialism.
I lived through Jomo Kenyatta presidency; the assassination of Tom Mboya, Kenya’s Minister of Economic Planning and Development was murdered in the street a 100 hundred yards from where I was shopping in Nairobi in 1969 and I lived through the apartheid regime that imprisoned Nelson Mandela in 1961, the murder of the student leader activist Steve Beko in police custody in September 1977 and I was at school in Vanderbijlpark in June 1976 and daily while eating sandwiches between lessons I witnessed the black smoke rising in the sky above Soweto while the riots and murders raged on the ground. All of this happened whilst I went to private and state schools in Kenya and South Africa. I suppose to many people I had a privileged white boy upbringing in Africa, although the contrast between these two nations I called home could not have been more different.
Fast forward to the late seventies when I found myself working in the NHS at the London Hospital in Whitechapel, London. The Trade Unions were spoiling for a fight and the ‘Winter of Discontentment’ was followed by widespread strikes and militant unionist insistent on bringing down the government of the day. In 1979, I took Maggie Thatcher’s minister Michael Heseltine’s advice and got on my bike (or in my case a plane) and went to work in Abu Dhabi in the United Arab Emirates. The money game they played in the UAE was bigger than in the United Kingdom and they knew how to spend money. I had arrived in the real life Sim City and I enjoyed five amazing years in the United Arab Emirates before returning to England to further my education as a mature student. I achieved a rack of qualifications in Business Finance and Hotel Management. Since completing my further education I have continued studying for my PhD from the University of Life which is currently ongoing.
After leaving further education as a mature student in 1985, I worked as an Assistant Hotel Manager and Food and Beverage Manager at the Lord Daresbury Hotel in Warrington which was part of the well known De Vere Hotels group; before moving to Premier House Hotels, owned by the Greenall Whitley Group as a Hotel Manager. Since the mid 1990’s I have owned a Debt Management business and for the last twelve years have worked in the mortgage industry as a mortgage consultant and the latter years have run my own mortgage company. Doesn’t that sound great – well there was only me, me and me working for me. The reason I never expanded my company was that I did not want the extra responsibility of staff and my income was great without any added responsibility.
Rule number Two is to know when you are happy, then strive to live with the least amount of stress…and Enjoy life!
This was all part of my continuing PhD qualification. Actually all joking aside I learn’t a lot about money and debt and at one time I felt I was the best qualified person to advise people. What has always surprised me is that I have never been bankrupt and have always managed to duck and dive – this is something that most of us do for most of our lives.
Many of us know people we believe are successful because they drive smart cars and live in big houses and have lots of foreign holidays. Naturally we believe they are doing really well – after all they have all the trappings of success. However, when you are privileged enough to peel away the layers of their finances, as I have been, you realise that not everybody who looks really successful is. Actually most people are like the ducks on a pond. On top of the pond ducks QUACK about making life look great; but deep under the water the little duck is kicking its feet so hard and so fast just to stay afloat. So next time you drive past the good looking guy or gal in the fast car of your dreams, stop and wonder what their little feet are doing.
Over the last twenty five years we have had it so good compared to any other time in history, even considering that we have been through probably the worst recession or depression. The problem is that as we have all started to earn more and spend more things have started to cost more! We all want the best things in life – the best holidays, the best homes the best cars. Unfortunately for many of us we have found ourselves becoming a slave to the banks, the lending institutions and the government – most of us are just ducks on a pond in slavery to the lenders.
Rule number Three is don’t be a slave to money. Remember money is a game. Learn the rules and then play the game on your terms.
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