Living on the edge of incompetence

Have you ever had days where you felt like this?

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I do. All the time. This is a Facebook status of mine from a couple of years ago. The comment on it is from my uncle, saying that it still applies even if you replace “20s” with “30s”, “40s” and beyond. Surely some people out there do have the tutorial, there are some adults that know what’s going on…right?!

I often feel like I’m missing a handbook I should have on getting things right in life. I still can’t imagine having children because my view of my parents as a child was always that they knew everything and could do anything. A part of me is still waiting to wake up one day and finally just figure life out. Until that happens I’m not a real adult, I cannot be responsible for things; the real adults, the one’s who have done the tutorial, got the handbook, they will have to sort things out.

Unfortunately, there are no “real adults” coming to save us.

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The Post-Carbon Economy

This post is a guest entry courtesy of the Ethical Consumer. You can read some of our past blog posts on our attempts to shop more ethically here.

Ethical Consumer co-editor Tim Hunt says leave behind the carbon age and become a pioneer in the fast developing post-carbon economy.

We’re seeing a shift. It isn’t yet seismic, but there is movement. A movement and it’s quickly gathering momentum.

That is to say that the carbon divestment movement, while still in its infancy, is having an impact in the UK and across the world.

In April 2014, Archbishop Desmond Tutu added momentum to a call for people to ‘divest from carbon’ – or in other words to pull investments out of the oil, coal and gas sector.
“It makes no sense,” he said “to invest in companies that undermine our future. We need an apartheid-style boycott to save the planet”.

His intervention was an important moment. It gave clarity, impetus and voice to a fledgling idea, and fresh impetus to a new and vital political movement.

Since this time the carbon divestment movement has grown and grown.

Billions of pounds worth of shares in carbon intensive industries have been unceremoniously dumped by a raft of institutions from pension funds to universities, with a key role played by campaign group

To date, the focus of campaigners has largely been on lobbying large institutions to divest from fossil fuels. Ethical Consumer is now adding to this wider divestment campaign by bringing you a ‘Guide to Personal Carbon Divestment’.


The power is in our hands

Ethical Consumer is asking individuals to take up the challenge of divesting their own personal finances.

While we still need to burn fossil fuels to stay warm or to travel across the country, it is not inconsistent to say that we are now at a point where the financing of new oil wells, new coal mines and new fracking sites needs to stop.

Most people in Britain do not directly own shares but almost all of us have bank accounts.

A significant amount of finance for new fossil fuel extraction comes from our own banking sector, and campaigners around the world are beginning to measure and compare involvement and to name and shame the worst offenders.

Move Your Money’s work on this has been a really valuable contribution and has provided a launch pad and the inspiration for Ethical Consumer’s new guide. For instance in 2014 their work profiled just how much the big banks pour into fossil fuels – £66 billion in 2012 alone.

In our new guide we present the best options for leaving behind the carbon age and becoming pioneers in the fast developing post carbon economy.

There are many ways for individuals to make an immediate impact.

Our campaign focuses on switching your current accounts, savings accounts, cash ISAs and investment funds away from companies still funding fossil fuel projects.

The good news is that ditching the banks who plough the most capital into the fossil fuel industry has never been easier.

For those looking to switch a savings account there are also a number of new banks that actively invest in renewables, making the impact of switching particularly effective.

In addition direct investments and crowd funded projects offer interesting, if more risky, options.


Clean energy investment

The transition away from a fossil-fuel economy requires not just divestment from carbon but also much investment in new renewables capacity. In a way this makes the new divestment movement a bit more complex than those around tobacco and South Africa in the past.

This theme is reflected in our new divestment campaign and marks the beginning of a shift in thinking in the personal finance sector. The ethically safe havens of a traditional building society are beginning to look less good when faced with the question ‘who will finance new renewable capacity?’

The real innovators like Triodos, the Ecology Building Society and, to some extent, the Co-operative Bank, are looking well placed in this brave new world.

So if you’re concerned by the threat of climate change then join the carbon divestment movement and move your personal finances out of those involved in climate-wrecking industries.


Find out more about divesting your personal finances on the Ethical Consumer website.


For regular readers of Practically Ethics, let us know what practical steps you’re taking to reduce your carbon footprint?

How do you decide between lobbying, changing your consumption habits and carbon offsetting for example?

Post your thoughts in the comments

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Giving 10% of my income to charity. Your questions answered

Just over a year ago today I took a lifetime pledge to give 10% of my pre-tax income to whichever organisations I believe can most effectively use my money to improve the lives of others.

It wasn’t an easy decision but a year on I am absolutely confident it was the right one.

I wanted to write this post to anyone who’s thinking about whether or not to donate a significant portion of their income to effective causes. Before taking the pledge I had a lot of questions and doubts. I speak to many people with the same questions I had so I wanted to try and answer some of them honestly and openly so that people can decide for themselves.

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How I found my focus

You may have noticed the blog writing has been somewhat sporadic recently.

I just about managed to get something out in December about New Year’s Resolutions then fell off the world as I organised my previous company’s national sales conference in Wales, and then resurfaced in Brighton just long enough to tell you I’d be moving to Oxford.

So often I am caught up in a whirlwind of busyness. With an exciting new role which I am free to shape as I see fit, and plenty of new opportunities for clubs to join, campaigns to support and people to meet it would be so easy to end up chasing my tail.

Do you feel the same? Are there are just so many things you could be doing that it becomes exhausting?

So how can we choose? How can we focus?

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Christmas at Crisis

Christmas at Crisis: Short Term, High Impact Volunteering at its Finest

For me, this Christmas season was much the same as any other. I watched old films and played Monopoly. I stayed up late and talked into the early hours. I connected with others.

I did this with my family and loved ones as usual – the difference this year was that I also spent two nights doing these things with homeless rough sleepers.

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