Surviving Tough Times In Your Online Business

Facing tough times, I'm very conscious that I haven't written a blog post for a few weeks now. Close friends will know that I'm having a rough time with my Dad's health at the moment. He's in and out of hospital like a yoyo.

Pictured with my son and I on Dad's 94th birthday, he was still running his own business until the end of January this year, when he had a fall. Things have gone from bad to worse since then. He's getting wonderful medical attention from our UK NHS, but no-one can quite work out what's wrong with him, apart from general losing the will to live. So sad to see him like this.

There's little my sister and I can do, living 5 hours away from him. We go and see him as often as we can, and he has a full-time live-in carer for the times when he's home. So we know his physical needs are met. We talk on the phone to him every day, and he has good friends who call in to see him.

Tough Times In Online Business

On a practical level, we have taken over running his business for him until he gets back on his feet, which is taking up a chunk of time – but I just can't get my head round anything else right now.

On top of that I've had a chest infection myself for about 6 weeks now – and I'm terrified of passing that onto him. It's a busy time of year in my offline business too, and I'm trying to conclude a rather large business deal that's been dragging on since August last year.

So all in, online business in general, and blogging in particular, has taken a back seat for a while now.

My Why

“They” say you need to have a good “Why” to keep you going through the tough times in business.

For some people, their “why” is to live the “laptop lifestyle”, jetting here and there with fast cars and holidays in the sun. I've reached the time of life when these things mean nothing to me.

  • I love my house. My son “did it up” for me, and I enjoy sitting in it and remembering how we chose everything together. It's far too big for me, but I enjoy the space. The street I live in is pleasant, but 1/4 mile further out it's not an area I'd choose to live in now. I've researched houses where I'd ultimately like to live, and the price I should realise on this house could get me a very nice one in a much better area, nearer to my son and his wife.
  • Holidays? Been there, done that. I have two short breaks a year, and this summer I'm going out to spend some time with my other son whose business is in Spain.
  • Time freedom – I already have. I've been self-employed for the vast majority of my life. Working for a “boss” drove me nuts for the short time when “things” changed and I needed to. Happily I was able to cut loose again some years ago.
  • My car starts every time I want it to. And where I live, you're lucky if you reach 30 mph on the trips I do.

So actually “My Why” is simply to be able to afford (in time) exactly what my Dad has now…. a gardener and live-in carer who does his housekeeping, prepares his food, drives him round and gives him the freedom he wants.

That's his choice, not ours. We've asked him to come down south to a residential centre nearer to my sister and I. But he refuses, because he wants to stay in his own bungalow, surrounded by memories of my Mum who died almost two years ago.

The work he has done in his 80-year working life has given him the means to do that.

Working for 80 years? Yes, he left school at 14 and was still running his own business until the end of January of this year. His “books” were perfect.

Some may cringe at the thought of working 80 years, but he enjoyed that work. He was self-employed in businesses he loved and took time off when he wanted to. When reminiscing, we always say that the period when I worked with him was the happiest time of my life too.

Get Rich Quick

My Dad is not rich by today's definition of rich. But the work he did over those 80 years has built for him the ongoing income to afford a comfortable lifestyle. He doesn't owe a penny to anyone. That's a lot richer than many of today's high-fliers, dashing round in leased cars, with huge mortgages and credit cards maxed out.

I see some people online promoting “Get Rich Quick” schemes. Heck I've tried a few myself. But often they're crash and burn type plans. I don't want to introduce anyone to a “crash and burn” business. Even if I could live with my conscience “getting rich” off the failure of others (which I can't), dashing from new launch to new launch is harder work than I have the energy for. That applies to “product launches” as much as “business launches”.

I'll be very happy to “Get Rich Slow”. Where “rich” is defined as having the income to easily afford a live-in housekeeper/carer when I'm old enough that I need one.

Not a very exciting prospect? It's far more pleasant than the option of poverty in retirement.

But what have I been doing about it?

Get Rich Slowplanning for retirement

Because I am so short of time, I am licensing products produced by a whole team of professionals. If this interests you, click here to receive a book explaining more.

This will be my “Plan B” for retirement income.

If you don't have in place a “Plan B” that will give you a comfortable residual income in your latter years, you may like to start thinking about it now.

Planning For Retirement

It's not a fun thing to think about. And in my 30s, 40s and even 50s, I genuinely never thought I would want to retire. But now, with my elderly Dad to visit, and two gorgeous grand-daughters – I'm wishing I had done better retirement planning.


When I was in my 30s I laughed at my accountant who said I needed a pension. When he finally persuaded me to take one out, the wretched company went bust, even though it was the darling of the low-risk options. What I finally achieved in pension income has been “too little, too late” and would see me living at poverty level, were it not for my self-employed efforts.

Retirement Business

So, for me, a retirement business has been the answer.

But which one to choose? Certainly not a crash and burn “new launch” plan! It must also be affordable (obviously) with no requirement for high start-up costs. Promotion is entirely optional, but top class support if members choose to build a business.

With my hectic life I need a retirement business that can give you a steady residual income, even through the tough times. So I chose a slow-burn business that lets me take time off for family and offline work and still be there when I come back to it.

The one I have chosen is a Private Members Club. You can learn more about it from short videos here.

Please share

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? Contact me for free advice (no obligation) on the best fit for your circumstances.

Robin Khokhar - March 27, 2017

Hi Joy,
I completely agree with you that sometimes it gets lot difficult to run an online business. But I must say that you have shared an amazing post.
Thanks for sharing.
Have a good day ahead.

Amar kumar - March 27, 2017

Hey Joy,

Glad to read you wonderful experience. To get your business up and running as quickly as possible, you need to focus your efforts on your most profitable ventures first. You need to set goals for the first three months and the next twelve months for better results.

As a flourishing entrepreneur, you must know that you have to work smart to capitalize on your business potential. Eventually, thanks for sharing your thought with us.

With best wishes,

Amar kumar

    Joy - March 31, 2017

    Hi Amar,

    In the UK it’s coming up to our financial year end – hence “doing the books” and looking at profits and losses.

    That’s always a reminder of mistakes and purchases I wish I hadn’t made. However, it’s a good opportunity to look at the trends and show me where my focus should be for the forthcoming financial year. My high-ticket venture was a definite mistake, so time to stop wasting time on that.

    Joy – Blogging After Dark

Milena Brokaw - March 29, 2017

In my experience with extreme emotional pain, sometimes there isn’t anything you can do but ride it out. But always keep in mind that it will END. And when it does you will feel so HAPPY. God bless.

    Joy - March 31, 2017

    Thanks Milena.

    Yes, I’ll hang on in there. At least business is good, even if my personal life is in a bit of a turmoil at the moment.

    Joy – Blogging After Dark

Janette Sullivan - March 31, 2017

Hi Joy
Thanks for your article. I like the idea of working on Plan B each day. There’s wisdom there.
I also think get-rich-slow is a better plan. Quick can end in tears.
I’m retired, but like to have a business interest to stay involved in the world.

    Joy - March 31, 2017

    Hi Jan

    I’ve tried several different ventures, from the low-ticket to the high-ticket market-place and “get-rich-slow” has always been the best way. Whenever I have tried to “get-rich-quick”, it has indeed ended in tears… or, more likely, a financial loss!

    You’re right… having an online business in retirement is a great way to have an additional interest, and of course the extra income goes a long way to help too. I think the trick – that I’ve only really mastered recently – is to find one that doesn’t completely consume every waking hour of the day!

    In a recent venture I suddenly realised that I was putting more hours into my “retirement business” than into the part-time offline business I still run that actually earns me much more. This would have been fine if I could see that previous “retirement business” trending upwards, but I couldn’t. So it was time to cut my losses and run my profits 🙂

    Thanks for your visit – your first time on my blog I believe. Hope to see you again.

    Joy – Blogging After Dark

Santanu - March 31, 2017

I think tough times are good to prepare well and explore the negatives of your online. This will give you points of improvement and motivation to work harder. Thank you for this wonderful share.

Grant Merriel - April 3, 2017

Hi Joy, hope that things will get better for you and your family. Your dad has done an amazing job of doing the work he loves – and no debt to boot. There are several people today who have debts/mortgages/credit cards just to experience that shortlived richness, but will be spending the rest of their lives paying debts. I salute your dad for being able to have a comfortable lifestyle without owing anyone a penny.

    Joy - April 8, 2017

    Thanks Grant,

    Yes, I’m so proud of what my Mum and Dad accomplished in their business. Mum enjoyed this comfortable lifestyle until a couple of years ago – and good for her. Even now my Dad finds it difficult to accept that it’s time for him to “hang up his work boots” because he CAN afford to live comfortably off what he’s worked for in the past.

    My goal is to do the same. I’m 100% on target with the “no debts”, and building the income steadily.

    It mystifies me how some people can sleep at night with the debts they carry. I completely sympathise with people living a frugal lifestyle on a limited income – but I have no patience with people running up debts to finance the high life. Some of the stories I hear from people I know are scary.

    “Champagne Lifestyle on Beer Income” is the route to ruin.

    Joy – Blogging After Dark

Edward Thorpe - April 4, 2017

Hi Joy,

Firstly, love the pictures! Secondly, sad that your Dad hasn’t decided to rebound – yet. There’s still hope, right?

Love hearing about your youth and your personal anecdotes. Related with your retirement fund imploding, as that’s happened to me. (3 times 😉 And, urban decline forced me to move from my favorite home. Ah, so it goes… Have a great week,

    Joy - April 8, 2017

    Hi Edward,
    Thanks for your enquiry about my Dad and your good wishes. He’s not out of the woods completely, but at least he’s out of hospital now and although his speech is still difficult he’s making an effort to relate to the outside world. Just had a short conversation with him about his favorite soccer team, and yesterday “the state of the world today”. Both a fairly depressing topics LOL but it’s a relief he’s talking about anything but his pain. He also told me today he’s trying to stop his pain-killers. Managed 24hrs so far, which I’m pleased with. We are more cautiously optimistic than when I wrote the post you commented on.

    He has an influx of great-grandchildren visiting over the next couple of weeks (and me). Hoping that won’t be too much for him. Mine are staying in a nearby hotel, so his exposure can be limited to what he can cope with. Laura is a very sensible Mum and very fond of my Dad. Their common interest is soccer so if anyone can get him chatting more, she can.

    Oh dear – sorry about your THREE retirement fund crashes. I only survived one, but the effect – good or ill – was that after the big crash I didn’t put nearly enough away to have produced a decent pension. Hence the retirement businesses.

    On the other hand, I know a couple who saved long and hard and are now enjoying a retirement fund that allows them to live on just about the same income as they had when working, but without the costs. However, this was a type of pension that I believe is no longer available and they contributed what seemed a huge amount of money at the time.

    I guess they were a mixture of prudent and lucky (not to have a pension fund crash). We tried to me prudent, but were unlucky. Still – we have out online businesses to supplement our income.

    Joy – Blogging After Dark

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