Quarter Of The Year Gone – End of Financial Year

quarter of the year goneA quarter of the year gone already! How on earth did that happen so quickly?

Well, to be honest, most of it has by-passed me in a haze of misery worrying about my Dad’s current ill-health. (My sister, with him at the moment, tells me he’s “on the mend”. I’ll be visiting soon to make my own assessment.)

However, with the UK tax year end being on 5th April (how bizarre can you get?), it’s the time of year when I “do my business accounts”, and that’s a good time to look back over the previous financial year (April 2016 to March 2017). It’s also a great opportunity to make plans for the rest of the calendar year.

End Of Financial Year

As often happens, when I do my mini-reviews, I can see better news than I had expected. That’s not to say it was all good news… far from it.

The spreadsheet does not lie, but it certainly screams out the truth of what went wrong.

The big mistake of the whole year was my venture into marketing high-ticket programs. I wasted a lot of time; and the spreadsheet shows that I wasted a lot of money too. Without that I would have been well up on the previous year.

So what went wrong?

Marketing High Ticket Programs

Logically, high-ticket programs make complete sense. However, marketing high-ticket programs needs far better marketing skills than I have! The time factor was my biggest problem.

The program I joined was presented to me as a way to earn a part-time income by spending MONEY (which I had) instead of spending TIME (which I was already short of). Readers who follow my blog may remember that I have several offline businesses that already generate me a decent income – but my goal was to find a part-time online business to build a retirement income (should I ever get round to retiring!)

Being stubborn, it took me several months to admit to myself that I was spending longer on the “part-time” online business (and generating pitiful returns) than I was on my offline businesses, that were easily paying my bills and subsidising the wretched high-ticket venture.

High Ticket Promotions Over!

Well – they are for ME. But let me say right away that some very ethical marketers are extremely successful with these programs – because they have put in the time and effort to promote them correctly. By building, and nurturing, a loyal following.

I just didn’t have the time. From chatting with most online marketers I am connected to, I suspect the majority are trying to build part-time businesses alongside already crippling schedules…

  • Single parents who want to work from home to spend time with their children – or because they can’t afford high child-care costs
  • Carers – looking after elderly parents or partners with long-term health problems
  • People still in full-time employment, with a strong desire to escape the rat-race, or make up for poor pension provisions, but unable to afford to commit full-time to earning an extra income
  • The list goes on….

Coming into the last quarter of 2016 I decided I couldn’t in all conscience promote a business model that I had found so difficult to run myself.

Happily I had earlier been introduced to ecommerce stores. So I moved into 2017 with a fresh start. And more time to “smell the roses”, which was really the point of the whole retirement planning exercise.

OK – they’re tulips…. but you get the idea 🙂

Starting The New UK Financial Year

There’s a much more promising trend when I extract from the past year (2016-2017) just the first quarter of 2017.

  • My income is already almost half of what it was over the whole of the financial year.
  • More importantly, expenses are WAY down – even though they include most of the startup costs of my ecommerce business.
  • This means that the first quarter of the 2017 presents a far healthier picture than the whole of the last financial year.

A side benefit is that I’ve spent far less time on my online business and this blog, which has given me the time to help my Dad with his business and spend more time visiting him. I’ve even enjoyed reading some books, watching TV and generally relaxing, like I haven’t done for YEARS!

Here’s how it happened…..

Quarter Of The Year Gone

After the disastrous high-ticket program venture, two online businesses have stood the test of time and showed a good return over the first quarter of the year 2017.

Premier CashBack – OK, the “passive income” side of the business has been WAY slower than I had hoped, and the company doesn’t help itself by lack of communication with its members. But despite this, commissions have come in steadily over the year and in March 2017 I was able to withdraw a very welcome lump sum that went some way to plugging the “high-ticket business” hole. I’m not actively promoting PCB at the moment, but the changes we are seeing look good, (an ecommerce store) and there’s word that new suppliers will be coming on board soon.

eCommerce  – Rather than risk any initial outlay I started with a free ecommerce store and used commissions earned from November 2016 – February 2017 to purchase the highest level of eCommerce store available. (Upgrade completely optional, but optimises the compensation plan). It was a one-off cost, so with that behind me, in March 2017 I withdrew my first ecommerce commissions. $300 isn’t a massive return … BUT having financed the start-up largely from earnings, the future looks rosy. That’s in a country not yet open (UK). Those in the “open countries” have a much easier ride.

Where Now?

With a quarter of the year gone it doesn’t take a rocket scientist to figure out where I’m heading for the rest of 2017.

what is drop-shippingThere are other ways to make money with ecommerce – notably the free drop-shipping training. I haven’t yet explored that, but some in my team are already very enthusiastic about it.

So with a great team already in place and plenty of free support in our Facebook group, I plan to take a more relaxed approach to the rest of the year, concentrating on family, and “me” time.

I hope you can do the same? Please share in the comments how your first quarter of the year has gone.

If you’d like to learn more about my ecommerce store, please contact me.


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I left it too late to plan for a financially secure retirement. Don't make my mistake. Start building an extra income with a part-time (or full-time) business online. Think you don't have time? Can't afford the start-up cost? Can't meet sales targets? The businesses I promote overcome all the problems you may have had with Internet Marketing before. Contact me for free advice (no obligation) on the best fit for your circumstances.

Click Here to Leave a Comment Below 16 comments
Amar kumar - April 3, 2017

Hey Joy,

Really end of financial year and now people are free from lot of burden. Now-a-days, people want to work with freedom and they want to spend their time with their children and wife.

But busy schedule of office makes tired and they don’t have time to spend on family. Online business provide flexibility and freedom in working style. Thanks for sharing your experience with us.

With best wishes,

Amar kumar

    Joy - April 8, 2017

    Hi Amar,

    You’re right – there’s a huge need for an online business that doesn’t take long to run part-time alongside people’s busy lives. If your online business consumes your entire free time, then it’s in danger of being dropped.

    Flexibility and freedom are the ultimate reasons to start your online business. NOT just “make a fortune” – although I won’t turn away a fortune of it comes 🙂

    Joy – Blogging After Dark

Donna Merrill - April 3, 2017

Hi Joy,

Wow…a lot happened in these first few months of the year. I hope your Dad is feeling better. I know it is difficult to do just about anything when one of our loved ones is ill.

Reading through your article made me realize so much has happened to me too during these first few months. But somehow I handled it lol.

It is so good to know that you have joined a program with good support. I wish you all the best my friend.


    Joy - April 8, 2017

    Hi Donna,

    Yes, it’s been a very rough few months but we’re plodding on doing the best we can. And I know you have had some real challenges too in recent months. Do hope everything is on the “up-and-up” for you too.

    Company support is everything really. My team has grown so large that it would be impossible to offer one-to-one support any more, so it’s great to be able to point people to company resources.

    Very best wishes and continued success to you and David too 🙂

    Joy – Blogging After Dark

Pankaj Dhawan - April 5, 2017

Hey Joy,

I am glad to know how this year is going for you and wish lot of success in coming time.

    Joy - April 8, 2017

    Thanks Pankaj,

    Sorry – I tried to visit your site but got a big optin pop-up, and couldn’t get rid of it and somehow lost your site, so never made it to read / comment on your post.

    Maybe catch up another time.

    Joy – Blogging After Dark

Chery Schmidt - April 5, 2017

Hello Joy! Yikes Where does the time go? it is just Crazy that it it April already! I did loose the first half of the year and now time for this gal to kick it in gear.

As they say no time like the present.. As always thank you so much for sharing your story with us..
Chery :))

    Joy - April 8, 2017

    Hi Chery,

    It’s so scary where the time goes. I remember in school, a term seemed forever long, and now it’s gone in an instant!

    Sorry you’ve lost time too, but glad to hear you’re ready to get cracking again – and, of course, wishing you continued success!

    Joy – Blogging After Dark

Edward Thorpe - April 5, 2017

Hi Joy,

Happy to hear your sister’s assessment of your Dad’s progress. Awaiting your take when you next visit…

Sorry to hear about your high-ticket adventure. Learned (the hard way) that high-ticket selling takes direct contact, something difficult to carry out when your time is constrained.

Happy about your success with TPS, a reasonable money-maker that I’ve still not moved on. Perhaps soon… Have a great week, and don’t forget to stop and smell the tulips!

    Joy - April 8, 2017

    Hi Edward

    Well hopefully you have read an earlier comment reply saying that my Dad is rallying somewhat. Will certainly keep you up-to-date after my next visit.

    Yes, learning the hard way as ever 🙂

    TPS works far better in “launched” countries (such as the USA) than in the UK, where we are still building up enough “stores” to let it run as it is meant to do. There are some products that would fit in nicely with your blog. Have a look in your back office, choose the free shipping option, and see if anything fits in with your blog posts. No need to worry about physically shipping product (as long as it’s in the USA), head office will ship it for you.

    You’ll probably be pleased to hear that I HAVE been taking things a lot easier (on the work front). The family pressures just took over and I went down with a rotten infection that I just couldn’t throw off, so I had no choice but to sit it out.

    Enjoy your weekend,

    Joy – Blogging After Dark

Mandy Allen - April 8, 2017

I too am worrying about the health of a parent, my mum has been very poorly lately. Hoping she is ‘o the mend’ now too! And it’s financial year end here and I get the lovely job of the annual accounts! I’ve been self employed for over 20 years and still dread it and have to almost start learning how to do it all over again each year!

Wow, a quarter of the year gone, yes, I guess it has. My next product launch is in June so that will be half the year gone!

Enjoy the journey!

    Joy - April 8, 2017

    Hi Mandy,
    So sorry to hear about your Mum, and hope she’ll soon be on the mend. My Dad is expressing interest in football again which is always a good sign!

    I keep up with my accounts pretty well through the year, so it’s just one short blitz to finalise it all. But still never welcome. In fact I’m sitting here blog-hopping and procrastinating, when I should be able to finish at least one company with just a few hours. Yours is the last comment to approve… so can’t put it off much longer. (Unless I write a new blog post LOL.)

    A new product! Well done…. I’ll look forward to learning more about it and hope you do really well with it.

    Joy – Blogging After Dark

Lydia Brown - April 9, 2017

Joy the time is going by quickly for sure. I identify with you having so much going on at the start of the year. Many prayers and blessing for your dad and family. As a caregiver for my mom, I understand. I tried high ticket when I didn’t really have the time and have no one to blame that it didn’t take off. I learned to take more time before diving into projects. Thank you for sharing your journey.

    Joy - April 12, 2017

    Hi Lydia,

    I know you work very hard being a caregiver for your Mum too. Very good wishes to both of you.

    Several people I know have struggled badly with high-ticket products. But I know of several others making a success of them. In the end I just felt that if I couldn’t make it work for myself, it wasn’t ethical to try and sell it to others.

    Likewise… I am more cautious now, which is a good lesson to have learned 🙂

    Joy – Blogging After Dark

ikechi - April 9, 2017

Hi Joy

It is awesome that the quarter of the year turned out great for you and you are able to take care of your dad. For me, I have been so busy with work that i working towards taking a break as my blog is receiving the heat. Thanks for sharing. Take cae

    Joy - May 13, 2017

    Hi Ikechi,

    Yes, my Dad is on the mend now, thank goodness.

    I’m so glad you’ve started blogging again – I missed your posts. But everyone needs a break from blogging occasionally.

    Joy – Blogging After Dark


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