Your Life Lessons Legacy

Whether you have kids now or want them in the future, take a moment to think about what lessons you’d really like your kids to learn from you: And there’s tons to choose from! Good Self Esteem? Great Communication Skills? Business Acumen? Knowing that it’s ok to pursue their dreams? Diligence and Hard work? How the world really works? A good relationship with money? Generosity? Healthy Eating  Habits? Philanthropy? All of the above?

What do you feel you’re able to pass onto them that you yourself are fully living by example? If you want happy kids, are you happy? If you really want healthy babies, how do you treat your own body?  If you want them to be financially secure, are you modelling those behaviours?

We all want to be perfect parents and yes, we all try very hard. (I was such a perfect parent before I had kids!! Took just one to mess that delusion up!  Now I’m just great at other people’s kids!)

Not surprisingly however, the very best things we can teach  are children are by our own example. Not as it turns out, by getting them into the best schools, or running around cramming in loads of extra-curricular activities etc.

It’s only when we decide to truly embody a behaviour ourselves, that they can truly learn and model that for themselves.  How scary is that?  (I might have to start saving for their therapy sessions now!)

Are you acting in integrity with what you want your kids to become?

Those who hesitate, are…

When we hesitate, we don’t feel so good.

We doubt ourselves, we question the outcomes, we fear the ‘what if?’ and then a whole host of other emotions show up to the party. All of a sudden, we don’t feel like we are on solid ground any more. It seems as though hesitation can kill off part of our life force, leaving us in a place of indecision.

Is it time to get conscious of what area of your life you are the most hesitant in? What is the mind telling you as a well-crafted story?   Could your finances be just one area you’re not taking charge of?

“I can’t invest until…?”

“I won’t get on top of my finances until…?”

“The markets are really unsettled, I’ll just wait until…?”

“When I get that new job, then I’ll…”

“When I score the promotion, I’ll…”

Notice how the mind is doing its thing again to try and keep you safe, when you really know deep down, you should take a different direction.

Today, stop hesitating about that one thing and decide to move ahead.  Be bold and fearless!

If it’s your finances you’re hesitant over – can you pay more off the credit card?  Start that offset account against the mortgage?  Make that investment you’ve always wanted to?  Get your head around the share market?  Look for that investment property you’ve been talking about for years?  Seek professional help to get you where you’d like to go?

As I learned from my favourite line in Robin Williams’ movie Dead Poets Society “Carpe Diem” or “Seize the Day.”

I would love to hear what you’ve chosen to stop hesitating about and how it’s turned out for you!

Time to Sweat the Small Stuff

What little habits do you have, that take up small parts of your wages each working day or week?

Most of us have something we love and really feel we just can’t do without!  That amazing frappe from the local coffee shop at $7 a pop?  That seriously healthy juice we need every day at $9 a slurp?  A fantastic bought lunch at $15 per day, because it’s so much nicer than a vegemite sandwich?  The latest glossy mag full of Kardashian butts to keep you enthralled at $10 a read?  That Bounty bar that we only ever get when we fill up each week at the servo at $3 a bite?  Don’t get me wrong, it’s nice to be able to indulge in life’s little luxuries!

But sometimes it’s also good to take stock of just how much we pay out on ‘the small stuff.’

As an example, if you save the $7 per working day on the coffees ($35 per week at 48 weeks per year) you’re looking at a total annual spend of $1,680!  Didn’t that add up quickly!

Can you buy lunch once a week and bring in leftovers the other days?  Can you cut the magazine spend down to monthly not weekly?  What little incremental changes can you make, to make a big difference somewhere else?

Now, I’m not saying you need to go without – heaven forbid!! But what if you chose to cut it down – maybe a once a week treat – and every day, transfer those little bits you’d otherwise spend into something else?  Like, paying down those credit cards, chipping away at the mortgage, or finally putting it towards that holiday we’ve been dreaming of!

The benefits of the compounding interest (that you’re saving) may just surprise and delight you.

Let me know what little indulgences have run away from you?  And what you’re prepared to give up to focus on something else?  I’d love to hear your stories!

Money Mind Over Matter

Money can be a touchy subject.

From infancy, our family’s beliefs and practices around money have influenced how we view our finances.

Did you grow up with: Only people who work hard are successful.  Get a good education and a good job.  Don’t get into debt.  It takes money to make money.  The rich get richer and the poor get poorer.  It’s just not meant to be for us.  Ever heard any of those as ‘true-isms?’

Many of us also believe we are inherently bad with money. We can’t make it, we can’t save it, and we sure as heck don’t know how to keep it or invest it (if we had it in the first place, that is!)

If this is our dominant belief, it sure can keep us stuck. Have you ever noticed that what we focus on expands and plays out?  Things will go wrong with my job!  The kids are going to muck everything up!  I never get this recipe right!  I’m clueless about money!  If you constantly believe any of those things, they  usually come to pass.  Thoughts of being bad with money, or anything else, then keep perpetuating themselves.

Ever noticed how when you really don’t want something to go wrong, and you visualise it going pear-shaped – it usually does?

If you believe in the power of positive thinking, could you start saying affirmative things like: I trust my intuition.  My job will be fine.  I am a good cook. The kids are great. I make good decisions about money. I am smart when it comes to money. I am worthy of making good money.  I will learn about money.  I will find ways to invest wisely.

Positive thinking is a mental and emotional attitude that focuses on the bright side of life and in turn, expect positive results.  A positive person anticipates happiness, health and success, and believes that they can overcome any obstacle and difficulty.  Some believe it’s a complete load of rubbish, yet many are coming around to the effectiveness of a positive mindset.

Like every other part of our lives, our money and finances can start with positive beliefs and yes, they really do take time to become entrenched habits.  So best start today!

I know what you’re thinking, and you’re right!  A few affirmations isn’t going to turn you into Warren Buffet, but chances are, your outlook improves, your confidence rises and you’re better set to tackle any life or financial curve balls that come your way.

Do you believe positive thinking can help turn finances or any part of your life around?  I’d love to hear your take on it!