How did I get here?

I take an unusual approach to helping people understand the balance sheet part of their accounts: I play the Talking Head's song "once in a lifetime", and explain how the lyrics actually explain how this strange set of numbers can be read and understood easily by anyone.

And a core part of this activity is a lyric in the song - "how did I get here?".

But this isn't a post about accounts or David Byrne - instead, it's a roundabout why of introducing a question I was asked by an early-stage entrepreneur, as part of a Mindset for Success gathering that I was invited to speak at earlier this year. 

When they heard that I'd made it to 20 years (and in doing so, beaten the survival rate of 90% of all other businesses), they were keen to know how I'd managed it: "how did I get here?".

And it's a really good question - because as I reflect on my blog posts, annual impact reports, stories I've shared across the various podcasts I've been invited to guest on, I don't think anyone (including me) has ever really stopped to try and figure out what my 'magic fairy dust' is.

After all, if you've seen other posts I've made on my blog earlier this year, you'll have read the litany of everything I've had to endure and work through during these 2 decades - any one of which by themselves would be sufficient to kill off any business; yet I've managed to not only survive so many such critical moments, but also get to my porcelain anniversary too. So maybe there's something about how I work which might actually be quite relevant to any business?

In the session I offered a few off the cuff thoughts, but promised I'd come back to the question to try and better reflect on it, here on my blog. 

So - I currently think that the reason(s) that I've made it this far are:

1) curiosity

Not the NASA rover on Mars (although part of me is embedded onto its successor, Perseverance, that's currently trundling around the red planet).

I find myself always wondering 'why?' and 'why not?' - and on reflection realise that this has been important in stopping me from becoming complacent or stale in how I work and what I offer.

It's also meant that I've introduced new practices which have gotten me noticed more; helped me change my position on different topics and themes so I've been seen as even more credible and relevant by others; contributed to strengthening my resilience (both personally and professionally); and helped me make better sense of everything I get involved in, which has directly supported me to be able to maintain my motivation through some very trying episodes.

2) being a glass half empty guy

Normally, the person who looks at the glass and says it isn't half-full is labelled the pessimist (and therefore more likely to turn down opportunities, and otherwise miss out on life).

But my looking at the glass and seeing it as being half-empty doesn't stop there - I have an idea that what's important isn't what we see, but what we do because of how we see it: because I see the glass as being already half-empty, it means I'm always looking for the next tap (which also helps in trying to avoid complacency).

It also means that I invest more energy in contingencies (which some people will have heard me refer to as my 'professional paranoia'): because I see the glass as being already half empty, it means that I'll feel any unexpected shocks more greatly because there's less water in the glass to absorb the shock wave from it. And having a range of contingences (even if only half-formed), means I'm more confident in my resilience when things start to go off-track, and able to recover from/endure them more easily and quickly.

3) trying to say yes (not no) more

There's an 'accepted wisdom' offered by many self-proclaimed experts and coaches that we should all be trying to say 'no' more.

But I've always struggled with this, initially because of my parents.

My parents tried to instill a set of good manners in me as I was growing up - which included trying to be helpful, and offering to support people if they ask you nicely.

Over time, this has seen me developing possibly one of the most diverse portfolios of any business consultant / freelancer. And while this comes with its own challenges (how do I best summarise in 1 pithy sentence what it is I do and who its for, when I work with national government departments on new national policy initiatives one day, and a consortium of market traders the next?), it's also meant I've found myself stretching my skills and comfort zones in ways that I wouldn't otherwise have even considered trying to (or seeing the benefit of). This has been really important for how I've kept my business going for this long - because I've fingers in different types of pies, it means that if one type of work/sector/etc starts to slow down, there there's usually another that I can focus more on to keep the lights on.

It's also meant that I was well ahead of the curve when the first lockdowns hit in March 2020, based on the number of national bodies who immediately enlisted my support to remodel how they work and redeliver their respective programmes and services in the world of zoom - up to that point, video calls and events were very niche and usually avoided by many, but I'd been asked to volunteer host a national body's monthly on-line meetups that were held over zoom several years prior. This meant I'd had lots of opportunities to play with/think about how to make this format best work for as many people and circumstances as possible.

4) always looking for escape exits

I have an idea that if you know how you'd be able to quickly exit a situation, contract, etc with the least amount of blood on the carpet, it can help you take more risks - you find you enjoy it more, because you're not worrying about what might happen if things start to go wrong. And you're not worrying because you've already looked at the glass as being half empty, worked out what the major risks might be and put things in place against them, so if things do start to go off-track, you know which glass to break to active your remedy to it.

Taking more risks also means you're confident to push things further; and the more we try new things, the more unexpected and exciting things can start to happen.

      

5) enduring more than my fair share of crises

I've recently shared about the full scope of hits I've had (professionally and personally) over these 20 last years. As any of of these could easily have killed any business, but I'm still here, then I've obviously built a lot of resilience in my business to be able to cope with shocks (which I've also considered in how I've also likened myself to a toilet elsewhere).

How I've thought about, and practiced, developing resilience is covered in other blog posts, podcast conversations, etc elsewhere - but investing in building this protection (both in my business model and personal mindset) is also recognised in various studies and research as helping people to:

• have greater self-awareness (which can help avoid the Dunning-Kruger effect)
• improving your psychological health (so enjoy greater mental well-being)
• better understand, and work with, others
• enhance self-management (really important if you're a freelancer or self-employed, like me)
• better decision making     

As well as the benefits that these would offer to any business, each of these is also recognised as helping people to better manage stress (which might also explain how the long-term stresses I live and work with aren't notably affecting my professional judgements, as evidenced by my business still being here 20 years on?). And pro-actively trying to manage stresses are important, because unmanaged stress can lead to a propensity to make more mistakes; make it hard to think clearly; and cloud your sense of what you're trying to build for the long-term, which leads to demotivation, despair, and closing your business.

So Kemi Bowley, this is the fuller response I promised you in that Mindset for Success session - the reasons I think my business has outlast 90% of all others are:

- I'm curious;

- I try and be pessimistic;

- I try and say yes to everything;

- I'm always looking for a way out;

- and in enduring everything that's tries to knock my business/me over, I've created new models of resilience.

To everyone else reading this, I'd be interested to know what it is that you think has helped your business get to the age it is today (especially when so many businesses that start will be gone within the first 36 months of their launching). 

What's really changed in 20 years?

As some may know, every few years I pose a seemingly random question to clients, collaborators, and other cheerleaders, to help me better understand what I should be trying to do more / less of, in order to be the most helpful and useful consultant I can be.

This is part of a wider CPD framework I've built around myself and business, and is based on the 360-degree feedback model (but in a way that shouldn't mean you need therapy or a solicitor afterwards).

In previous rounds, this has seen me being turned into a statue, donning superhero tights, becoming a painting, throwing Molotov cocktails, growing onions, etc - https://thirdsectorexpert.blogspot.com/search/label/superpowers 

And as this is the 20th year since I set my business up, it feels right to be inviting people to play along with me again in this occasional activity, but I wanted to try a slightly different type of question:

What do you see (or think) my biggest impact (or footprint?) has been over the last 20 years, from what you've seen and known that I've done and been involved in?

(and I'm defining 'impact' as "a marked effect or influence")

And yes - this is a really mean question in a lot of ways, as (1) some of you haven't known me for this full period,  and (2) I'm not looking for the usual 'outcomes' that might typically relate to a specific project or programme.

Instead, what I'm fishing for are things that have shifted in how things are done, work, or thought about; or things that you've seen introduced, changed, or created as a result of something I wrote, did, or said.

They might directly relate to your role or organisation; they might be about things you've seen across a wider community; or at a whole sector level. They could even be what you've heard others say about me. And they can also be less than flattering (not all impact is always good - some new things can push out other stuff that was already there, and which was actually better).

In the interests of trying to keep with the original model of 360-degree feedback, if you'd prefer to anonymise your answer, you can add it through this form here: https://forms.gle/QijEizLHRduB6vFp6 

As always, however you feel you can respond (which can include not at all), it won't affect your standing on my Christmas card list later this year - and I'm looking to collate and share back what this finds after the summer.

And thanks in advance for anything you're able to share and reflect back to me.

After 20 years, people's love affair with CICs seems to waning (or, did anyone else spot that CICs are now becoming rarer in the wild?)

I've always had a personal interest in the government's flagship legal form for social enterprises, the Community Interest Company (CIC), for lots of different reasons.

And I find myself regularly revisiting various published data sets about them - not (always) for idle curiosity, but usually because at least once a year I'm asked to write a feature article about them, or offer comment as part of a national programme or event. And I always try and make sure I'm speaking/writing from a place of actual fact, rather than regurgitating truth illusions about them...

Now, if you know my reputation in relation to CICs, then you may be thinking that I'm about to talk about the data published by the CIC Regulator into how many investigations they've opened in response to complaints and concerned raised with them about the conduct of CICs. Sorry - I'm not, although this number (and trend) is worryingly still zero, despite public frustrations shared by the Fundraising Regulator earlier this year about complaints people are making to them about CICs; and the BBC, Police, and others publicly raising concerns about CICs last year...

I'm instead looking at trend lines - those things you can draw on a chart that show a pattern between a set of numbers that keep changing each year.

I've been tracking data annually, as published by the CIC Regulator, about how many CICs they register each year, and how many they agree to wind up (spoiler: the closure rate of CICs is broadly the same as for all regular private companies, and always seems to have been). 

This is a pretty chaotic chart at first glance, but when you ask excel to plot the 'trend line' (the overall year on year average based on all the numbers across all the years), then there suddenly appears to be a tipping point emerge:

Somewhere around 2023, the average rate at which new CICs are forming (their year on year % growth) became less than the average rate at which they're being wound up (how many are wound up that year as a % of the overall total).

Which means that unless something shifts (and its hard to see what, after the announcement earlier this year that the CIC Regulator will be being wound up itself before the next general election, with no real detail of what this means for existing or future CICs), then CICs will become increasingly fewer in number (based on more of them will be being wound up than are being registered to replace them).

I wondered aloud several years ago if the honeymoon for CICs might be over in light of the exponentially growing number of complaints people were making about them to the CIC Regulator (none of which were ever acted on) - but this data which now shows how people are now choosing them (or not), seems to suggest that 20 years after they were launched as part of a government policy agenda, the honeymoon for them really is now over?

why it's good not to 'niche'

There seems to be an 'accepted wisdom', lots of encouragement, and direction for us as freelancers, sole traders, and micro enterprises, and other types of businesses, to 'niche' - focus on one specialist thing and be the best at offering that. The logic we're given for this is that it will help make us more successful because:

1. it's then quicker and easier to explain what it is you do, and so be able to establish your brand, profile, etc with less effort;
2. it's easier to build a 'higher value' offer (i.e. make more money with less effort);
3. (and probably lots of other things that I forget, because I don't actually like the idea of 'niching' as you're about to learn, so I tend to block out the rest...)

BUT...

I don't 'niche' in what I offer as a business, and I'm not sure what circumstances might have to transpire for me to want to. That's because for me, the risks associating with niching are more than 'blown out of the water' by the benefits of my remaining a 'generalist':

1. Focusing on one thing means I wouldn't be using the full scope of the skill set that I've developed and identified I have over these last 20 years. Niching for me would me killing off parts of who I am and what I can do that might otherwise be interesting, useful, and fun.
2. I have an idea that niching ultimately offers less value to the clients, groups, and people I work with. Being a one-trick pony, however world-shatteringly good I'd be at it, would mean that I can't cross connect ideas and support from other themes and topics for them, to enhance the overall impact of my support to them (which would ultimately leave them poorer from the experience of my having walked alongside them for a time, than they are now).
3. Financially, niching is very risky. While it's true that the more niche you are, then the more likelihood you'd have of being able to have higher charge; the ultra-specialism of your focus and offer would mean that there are fewer potential overall clients who'd want or need your support. And they'd all be in largely the same place - which roughly means that all your eggs are in a single basket (or jars of tahini if you're a vegan), or who are all in same boat. If there's a recession, a shift in market trends, changes legislation or policy, etc, then you may find your market disappears overnight, with nowhere to easily turn to keep yourself going.

Reflecting on all of the above, I'm left wondering of niching is ultimately a 'cop out' for people who don't want to stretch themselves in building their skills as to what they might offer clients. Or if not, that they represent a group of people who are far happier and more comfortable to take risks than me?

If the former, then it's another example of how so many businesses are accepting the guidance they're offered at face value without questioning it, even if it means it's ultimately increasing the risk that they're fail in the future? If it's the latter, then I'm OK with being a relative scaredy-cat in comparison to them.

Half way through the year; missed most of my goals so far; but still feeling ok

So we're officially now in June - half way through 2025, and only 6 months to Christmas! 

And tied to our collectively reaching this calendar milestone, seems to have been a recent small flurry of emails, posts on social media, etc from lots of people encouraging us to reflect on how well we've been smashing things for these first 6 months of 2025.

Except when I look back over my shoulder at what I've 'smashed' since January, I find myself at serious risk of giving up on the second half of this year:

- as part of marking the 20th anniversary of my business I wanted to publish my second book out (a retrospective of these first 2 decades). And although I've somehow managed to get the manuscript done, there's still the getting around to sorting out and completing final details that keeps eluding me...

- I wanted to get my website redesigned (I can't remember last time I did it); similarly as part of the porcelain anniversary this year. But I've not yet started that conversation with my web-hosters, SmartBear (but maybe by being so openly public it'll help me be more accountable?).

- I signed up to a few on-line/self-paced courses, which I've not even opened session 1 of yet (I'd hoped that paying actual cash for them would help me better follow through, but turns out not).

Now, none of these involve training to climb a mountain, staging a global conference, or creating a new on-line course, so what have I been playing at to let these things slip so much? After all, if you break them down, they could all have been easily be covered off if I'd devoted just 1 combined hour a week to them all.

Which brings me to the crux of this post - it's easy to set ourselves the goal, and equally easy to miss it (kudos to Douglas Adams for the sound effect of when we do), and when we see it happening we get disheartened, and so are more likely to leave things unfinished. Worse, we're probably also less likely to even try to set a future ambition as a result.

But here's the trick that I'm using to keep my motivation going: what the hell have I been doing in these last 6 months which which meant that I missed achieving these otherwise very achievable things?

Professionally - the start of this year saw the end of a lot of funded business support programmes of various types; and I found myself being approached by several to help them make sure that they'd hit all their targets, had all the audit paperwork trails in place, and enterprises being supported by them were in the best possible health as they cut the (financial and support) cord after March. Anyone who's managed funded projects knows how hectic the last few months of any can be. Multiple that by 3 to 4...

Personally - my unpaid caring roles were notably ramping up (and continue to). I'm not going to share details here, because the stories about the immediate family members I support are theirs to share, not mine. But for context, the government's (and most carer support services') support for carers is based on the assumption that you only care 1 for person. Recent research is starting to come out that's helping to highlight the different and more stressful experiences of the 'sandwich carer' (someone who cares for 2 people who span different generations). I'm in the next camp of being the sole unpaid carer for 3 people. Added into this, I'm self-employed (which means I'm not recognised in law as a carer), so I'm needing to spin the plates of supporting them, keep my business running to help keep the rent paid, and all with no support for myself in these roles...

So maybe missing my targets is OK - because I can see that a lot of good stuff has still been happening in wider communities, and for those closest to me. And that only happened because I didn't stick to my goals and pursue them above all else, (and there's still another 6 months for me to catch up with them, right?).

Just as I shared earlier this year about giving up on a dream that I'd been chasing for 20 years, maybe we should also hold the goals we set for ourselves more lightly too - and try to recognise that sometimes not achieving them can serve a greater purpose?    

I'd like to apologise to any business trying to get a loan

I recently made an open and public apology to all my fellow freelancers, here on my blog - and I'd like to now extend this remorse to any business or enterprise that's thinking about raising investment (taking on a loan of any type) in their future. 

I was recently invited to meet with policy team at Bank of England, based on their interest in my various works over the last 3 decades in managing enterprise loan funds; researching changing trends affecting how businesses experience raising finance for growth; and ongoing dialogues with several national social investment bodies. And this isn't the first time - I'd previously contributed to their initial research into the financing of social enterprises back in 2003. 

This invitation seemed a good opportunity to help directly inform (and maybe influence?) how the body that all the lenders and investors ultimately check-in with in some way, reviewed it's current understanding and positions - because I know that from most of my conversations with enterprises of all types, that many of the current lending processes to them are increasingly mis-aligned with the changing world we find ourselves in. As a result, businesses are increasingly struggling to grow or sustain themselves because lenders aren't keeping up.

However, as an unpaid carer, I had to decline the invitation. Although I offered to meet by zoom, or enter in an email dialogue, because the ongoing caring responsibilities that I manage my business around meant I wasn't physically able to travel across the county to meet with them in person (as per the invitation), they simply said "sorry you can't join us". And that was it.

So to all business out there who may be thinking about taking on loans or investment of some kind, and at whatever stage of your journey you may be at, I'm sorry I wasn't able to represent you in a way that could have helped accessing future funds a little easier, when I otherwise might have had a clear opportunity to.

I'd like to apologise to all my fellow freelancers

I recently had an invitation to meet with the Government's Small Business Commissioner, after I was recognised by the new national Fair Payment Code as being the UK's first freelancer to gain this certification (and at the top gold level too!).

I'd already worked with their office to help them review and adapt their application criteria for this standard, (which originally excluded most of us freelance/self-employed types from being able to apply - because most of us don't have accountants, or use expensive accounting software), so that we could be on a slightly leveler playing field as everyone else. And this additional 'going beyond' made me think that the Commissioner might be especially interested in my ideas and experiences? (hence the invitation).

This invitation seemed a good opportunity for to me to help government bodies better understand just how important we are to the wider economy (and maybe a little more deserving of recognition in its policy?), if for no other reason than because I know from most of my conversations with a lot of my peers over the years, that we're actually much better than larger private businesses at paying our suppliers on time.

But as an unpaid carer, I had to decline the invitation - the Commissioner's office said I'd have to travel all the way into central London to meet with them in person: I live way 'up north', so the time needed for the travel wasn't possible against my ongoing caring responsibilities (which ironically, I'm not eligible for any support with, because government policy doesn't recognise that freelancers can also be carers). Despite offering to meet by zoom, or enter in an email dialogue, they simply said "sorry you can't take up the invitation, but keep up all the good work you're doing as an unpaid carer".

So to all my fellow freelancers out there - I'm sorry I wasn't able to represent us to government when I had a clear opportunity to. 

But hopefully more of us will start to submit ourselves to be certificated by the Fair Payment Code now that the application process allows us to, and the subsequent number of us doing so against other types of businesses might prompt the Commissioner to invite some of us round for tea and biscuits in the future, to re-start the conversation that I wasn't able to?