The root of our wealth is not in our income or our spending; it’s in our behaviour. Our habits make us wealthy, not the markets. Some have said that sound financial management comes down to spending less than we earn – but whilst this adage holds merit, it’s a lot more complicated in practice. It’s complicated because people are complicated. It’s not helpful to tell someone who is already relying on credit to get through the […]
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What’s changed in your life?
WHERE TRUE FINANCIAL PLANNING STARTS One of the best ways to make any constructive change or difference in the direction of our lives is to take a moment to observe what’s currently going on. Life whizzes by so quickly that if we don’t check in with ourselves, we will find it hard to observe and articulate what has changed. Financial planning, if done right, should start in the same place. Rather than beginning a financial planning […]
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The importance of being intentional
If we don’t stand for something, we will fall for anything. Essentially, our actions will either result from what we choose, or what is chosen for us. Our days are packed full of communication and actions. From the moment we engage with our mobile device or open our emails, messages begin to stream in and affect us. We will either be triggered into action by what we engage with or choose to follow our own intended […]
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Four ways to measure your fortune
We often don’t worry about something until we realise that it’s limited. If we have lots of something, it’s a fortune. If we don’t, it can become a focus of concern and anxiety. Young children generally don’t worry about much if their needs are met. With access to their parents’ love, attention and confidence, children have much of the social affirmation they need. When school starts and they are placed in a room with lots of […]
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Catastrophising and how to manage it
Have you ever gone down a rabbit hole on social media? You know, that moment when you see something triggering and you click on it, and then scroll down through the comments, becoming wholly engrossed in a conversation that turns out to be a waste of time and emotional energy. While we’re in that moment, we’re often completely unaware of how it’s affecting us. Catastrophising is a little like that. We can all be affected by […]
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How much do you need?
One of the hardest questions to answer when it comes to financial planning is: How much do I need? There are two ways we can look at this. Either, I believe that my external circumstances will eventually reach a point where I have earned enough, and I’ll finally feel that I have enough. Or, I will come to the realisation that my wants and needs are based on my own personal perceptions. It’s also difficult because […]
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Sustainable sanity
When we stand together, we can succeed together. We can support and encourage one another. But this only happens in our smaller, more intimate groups. The fourth industrial revolution has slowly edged us into a communication environment that is overwhelmed with information. We are learning that whilst we can stand together in powerful support, we can also suffer together. A burden indeed shared is a burden halved, but if we’re not aware of it, the cumulative […]
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Learning leverages healthy decisions (3/3)
Readiness is key to learning something new. If we’re not ready to learn something… it will probably go straight in one ear and out the other. That was a favourite phrase of parents and teachers alike – if we weren’t paying attention, they’d lay that line thicker than peanut butter on a slice of white bread. And, they weren’t wrong. When we were distracted, information went “straight through us” without taking seed. It was true when […]
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