Category Archives: Finance Chats

A little on making or saving money

Never Work a Day in Your Life!

Have you ever heard the expression “Choose a job you love and you’ll never have to work a day in your life?”  This cliché is often attributed to Confucius, tho I’m not convinced, based on the fact that nearly everyone was probably a soldier, merchant or a farmer…

Yet, it is possible to love your work and not even think of it as ‘work,’ a ‘job,’ or a ‘chore.’ I am sure you know at least one person who is doing what they love.

Truth be told, people who do what they love even tend to look a little different. You can pick them out in a crowd. They emanate something special.

And contrary to popular opinion, No, they didn’t have it any easier than you.  What they did was make a decision to start doing what they loved.  And it’s a big step.  A giant leap in fact to let go of security and make a go of something you’ve only ever dreamed about.

Why not ask yourself what you really love that perhaps you never imagined you could turn into a profession or get paid for?  Is there a hobby you love to do on weekends that you could turn into a fantastic living?

If you love hiking, could you lead treks?  If you love writing, can you start a blog?  Or a book?  Are you creative?  Do you have paintings or craft to make a cottage business out of?

I know some people who had a life altering moment in their travels, start doing what they love and they’ve never looked back, happily turning their backs on the big bucks and corporate life to follow their dreams.

What are some small action steps you can take today? Can pick up a relevant book about your favourite topic, do a Google search to learn more, buy the domain name of that business you’ve got planned in your head?  Even ask your friends what they think you should be doing – they know you well and what lights your fire!

Following your dreams may just be easier than you think!

Start the momentum now…

Then, as Oprah phrased it “Find a way to get paid for doing what you love.  Then every pay check will be a bonus!”

Negativity & Wealth

It’s a fact that most of us think negatively about our finances. Possibly almost as much as we think negatively about our health and physical body.

It’s easy to find and focus on what’s wrong, what could be improved, much more so than finding what is working and being grateful for what we do have financially.

Are your basic needs covered? Do you have good food to eat, a roof over your head, a vehicle, means of communication and an income?  Do you know how much better off you are than most people on the planet?

What’s the one thing about your wealth or financial position, that you are focused on in a negative way? Is it your level of income, your outstanding bills, your dingy apartment, the dead-end job?

Complaining about any aspect of your wealth is pointless unless…

1) you can actually change something, and

2) you are prepared to make the effort to do so.

Can you ask for a raise?  Is there another position you can apply for?  Can you focus on bringing down debt rather than winging about it over drinks at the pub?  Can you start to practice gratitude?

The energy of complaining and being negative is never good for our bodies and physical health. Positive people tend to have better overall health, and wealth.

Today, be mindful of how negative you are about some aspect of your financial journey. Try and start reversing the words you use to describe the story you have around it.

Things WILL improve.  I CAN bring down debt. I’m DETERMINED to get a better job.

Try it and see how it works for you.

Come from a place of Abundance

Have you heard that some feel there are 2 styles of different approaches to life:

You can come from Abundance or Scarcity.

Those who think from a place of abundance believe that there are more jobs to be found, more partners to meet, more homes to provide shelter, more money to made, had, invested and earned, more happy people, more opportunities out there to seize, and even more time!  They believe that the more you give, the more you get.  They’re happy to share their knowledge, contacts and compassion.  They are thankful and confident people.

Those who think from a place of scarcity believe there are no more jobs to be had, they’re out of opportunities, there’s no more good partners to be found, and financially things will never get any better.  They avoid risk, view others as being competitors, and the more you give, the more it costs.  They are often suspicious and find it hard to build rapport.  They may be pessimistic about the future and fearful.

Our internal dialogue and who we see ourself to be influences every part of our life.  Our ideas around whether we will find a job, have children, discover a new partner, find a solution to our problem or sort out our financial worries is all influenced by how we feel.

Which camp is your thinking in?  Are you coming from a place of Abundance or Scarcity?

Look around at people you know and work or hang out with. It’s usually pretty obvious to pick out who’s operating from a place of lack or abundance.

Play a game for a week:  review some of the thoughts you’ve had or the decisions you’ve made, see where the thinking was based.

Start training your mind to see abundance in everything, not only financially (although that’s once place to start!)

Finding financial fulfilment

We’re all seeking the feeling of fulfilment; whether in our relationships, employment or financial situation.

Ask yourself:  “How will I find fulfilment?”

You probably spend most of your life working, seeking a form of happiness within your role, or if not, hoping that at least the financial rewards will be worth it.

But, if our employment doesn’t, or won’t give us what we’re looking for, what will?

I once heard a beautiful expression, “if you can’t love what you do, at least bring love to what you do.”  Is that possible for you?

To throw in another cliché – if life isn’t about “finding yourself” and it’s about “creating yourself” what can you implement to bring you closer to any kind of fulfilment?

Personally, we can set an intention to find peace with our financial situation, or create ways to change it.   Do research, learn more, start investing, be frugal, and live within our means.

We can also learn to create loving relationships with friends, family and finances, and find ways to make a difference to our fellow human beings and financial situation.

In the end, that’s what will make us feel fulfilled.

Are you a Victim of Circumstance?

Many of us feel justified in having little money or savings.

There a truckload of excuses as to how we wound up in our situation.  We got fired from our job.  We got divorced and had to part with assets.  We lost money in the stock market or via bad investments. Pretty much, something happened and the blame isn’t ours.

Chances are, it’s probably true.  But, this form of thinking keeps us comfortably in a ‘poor me’ mentality and we have our armoury of reasons to justify why our financial situation is the way it is.

It can be an easy road to continue to play the victim of past or present circumstances.  Ask yourself if you’re still identifying something in the past that you still use as a reason for your lack of money.

Nothing is likely to ever change if you stay stuck in your justifications. You will likely become more and more welcoming of ‘victim’ style thoughts and feelings.

Try and change your thinking on it’s head.  You are not a victim!  You are a survivor!  We all get our share of ups and downs in life.

The difference that separates us is the meaning we give to the circumstances that befall us and how quickly we decide to bounce back.  Try to view the change as a silver lining that can open future opportunities.  And make a conscious not to not refer to our excuses again.

Think up new ideas for how you can turn it all around and not be a ‘victim of circumstance’ but the ‘master of your own destiny.’  Become a product of your future efforts and decisions instead.

That may sound easier said than done, but the more your practice, the easier it will become.

Time to get Honest with Yourself

Most of us like to think of ourselves as an honest person.

It’s a fabulous quality and one that we often admire in others, and we tend to deride those who we know don’t live up to their promises.

Yet, chances are, we lie to ourselves all the time.  Are there things you don’t like to face up to?  It could be our weight or our health?  Possibly our financial situation isn’t the most desirable or where we’d like it to be?  We may have issues in our relationships we don’t want to face, addictions to overcome and other personal battles to wage.

Are you guilty of telling yourself that things are really better than they actually are?  We all have issues we’d rather not deal with.  It often seems much easier to keep busy than to stop and face our challenges.

Unfortunately, putting things off can just delay the inevitable.  Not dealing with our financial situation now, can mean disaster down the track.  Don’t look back years away and say, ‘I wish I’d started sooner and I wouldn’t be in this mess now!’

It takes courage to look at how things really are.  Take off the rose coloured glasses.  The alternate can cost us our health, wealth, relationships and happiness.

Being aware of what needs to change is the start of any process.  Committing to start making change, not pushing it away, however unpleasant can be the first step to start hunting solutions down, or even having them appear to us.

It’s not easy to find the courage to face our fears, yet being honest with ourselves, taking responsibility for the situation and committing to turn things around can yield amazing results.

I’d love to hear what you’ve decided to ‘fess up to, tackle and change in your life and how it turned out for you.

Time to be a Receiver…

Most of us are familiar with the Biblical expression ‘There is more happiness in giving than receiving.’  And for the most part, that’s incredibly true.

Even Anne Frank chimed in that “No one has ever become poor from giving.”  And one of the biggest joys we have, is seeing the face of the receiver of our gift, light up.

But our minds can be wired to believe that we’re not worthy of receiving much.  Now and then, we want to ask for things, someone’s time or help and at the same time, feel that maybe we don’t deserve assistance.  This can energetically keep the help we desire away from us.

Have you noticed though that some things just seem to fall into certain people’s laps?  They manage to win things, get items for free, land that job they were after, get that pay rise and that things just seem to work out without too much effort.  Chances are, they’re good receivers.  They have a self worth that’s wired to feel that they deserve to receive and become good at it, whether it’s big or small.

Are you good at receiving?  How are you at receiving compliments?  If someone admires your outfit are you more likely to accept graciously or say ‘what, this old rag?’  Do you gladly receive unexpected gifts, invitations, upgrades when offered, financial windfalls or anything good that life has in store for you?  Is gratitude a daily practice for you?

Or do you demur and resist?  Deep down, do you feel a little unworthy?  You push back and feel an obligation to the giver, even just a little?

Learning to receive, say ‘Yes and Thank You’ is a gift in itself.  Then just be quiet.  There’s a lot of good out there, and chances are, some of it will head your way.    Learn to enjoy it and embrace it.

And along with being a fabulous giver, learn to be a good receiver too.