financial fitness

Mar 28 2017

How to feel safe to rely on yourself

My hubby works away so I often have weeks without him around – and weeks with him here. It’s like living a life of two halves.

For a few weeks I’m super mum doing it all, work, household, baby and then he is back, and the super mum cape gets hung up for a bit whilst we snuggle back under the blanket of joint parenting for a while.
What struck me this time around though when he jumped on a jet plane once again was how I’d gotten tired of trying to do it all so instead decided he could steer the ship for a while.

Now fortunately hubby is a pretty good navigator and once in a while we all need a little rest but it got me thinking about how whole chunks of time can just pass by if you are not living in that moment, you are just on autopilot… or have handed the controls to someone else.

And this is what we can do with our financial life’s. Sometimes it all feels that bit too hard, so we bury our head in the sand, hand over control to something (like the bank or fate) or someone else and ultimately miss those moments that could be the key to uplevel our income, upgrading our life and really feeling confident in our financial decisions.

Feeling Safe

What can you do to feel safe to rely on yourself and your judgment? Well just like me and my super mum cape, firstly you need to be kind to yourself and recognise that sometimes we just need to call it like it is. Say what your feeling. You have to promise though no beating yourself with the stick of money shame, I just want to see you giving yourself some plain old compassion and kindness.

Then decide how your going to switch off the auto pilot. In my instance I recognised that I needed a break but then collaborated on a plan with hubby which both gave us time to pursue our own individual goals and those of our family.

What one thing could you do differently to help you switch of autopilot and take control of your wealth and happiness? It really is safe for you to steer the ship.

Need a little more help to find your inner captain? Check out my free resources.

May 30 2016

How to never work again! In 5 simple steps.

Financial freedom.

What does that mean to you?

Having enough money to do whatever you want, whenever you want?

Know you have enough money to live a comfortable life without working?

Or maybe for you, it is working but having more choice about who you work for and how you work.

Whichever it is that floats your boat and sounds ideal to you is great, BUT what is your plan to get there?

Hoping it out?

Are you just hoping that your good intentions will get you there?

Or maybe you just think it is too difficult so have just shelved the idea altogether, hoping something will happen along the way?

If so you are in good company as one of 55% of people in the UK who say they feel inadequately prepared for the future.

But you know that hoping isn’t the way forward….but you wish there was someone who could show you the way to do it (and preferably in some easy to follow way!)

The 5 steps to financial freedom

Make sure your income is in tip top condition

Challenged yourself on your income lately? Often we get stuck in a rut of well that is just the way things are here or we are lucky to be paid what we do. In my experience though often we set our own limits on what we expect our income to be. Why not apply for that job that is a whole pay grade above your expectations – you might be surprised.

Are you managing your money well on a day to day and month to month basis?

That feeling of money slipping through your fingers can be solved by a few simple tweaks that still provide you freedom.

How are your investments doing? Are you even investing at all?

If you leave your money to do nothing it is just moving backwards all the time. You know how you say the cost of living is always rising – well you need to consider making your money work for your in order to keep pace.

Ever thought about creating another income stream?

This is an important key to your success – you can’t just save your way to financial freedom. Think rental property or maybe a small online business? There is a lot of ideas out there just waiting for your input.

And the big booster – how is your current lifestyle?

You choose where you deploy your money. Ever wondered if you could get your financial freedom now or in 5 years? I have many clients who just needed to reorganise and boost a couple of areas and were surprised at how quick they could attain their freedom.

Want to know more about attaining your financial freedom?

Download your FREE 5 Daily to actions to wealth

Apr 22 2015

De-clutter your spending & THROW OUT the budget plan

I’m just hearing you saying to your screen – “Hang on a sec, did you just say throw out the budget planner?” Surely Caroline as a money coach, you must live, breathe and eat budgets.

Would it surprise you to know I don’t?

Have a Budget plan….. (There I’ve said it)

The problem is when we try to budget we feel too constricted and the rebel in us surfaces. Sticking to a budget takes willpower. And that’s an issue.

There have been many studies done that show that willpower is a finite resource. Take a typical day and just look at the number of times we have to use our willpower, simply getting up in the morning, resisting the urge to have a sneaky look at Facebook and concentrating on your work instead, being nice to the boss you don’t like, eating a healthy dinner rather than take away. The list is pretty endless and we have to work hard at it, and it wears us out. A bit like our muscles tire out when your forced to do too many push ups (come on I’m sure one or two of you do exercise!)

Why I have thrown out the budget plan

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Feb 25 2015

Your Super Smoothie Recipe for a Healthy Bank Balance

Super Smoothie with words

Having a healthy bank balance. It is a niggle. Something that you know you should be doing. It’s that nagging doubt at that back of your mind.

Something you keep meaning to get sorted but eek, I booked that holiday, argh, there were loads of birthdays to buy for this month, and shoot; the car service was due….

Don’t get me wrong, the bank balance gets healthy for a while, it happens now and again. But it doesn’t really stick.

Worse than that you are scared that creating “it” (a healthy bank balance) will stop you living your life

You keep up with your life, living for the now, without talking to anyone about the things you would really like to do, the future you would really like to create. You wish other people would understand that you would like to balance these priorities (in fact you secretly think they might think the same) but you never tell each other.

And even worse you are also scared that it wouldn’t take much to blow down your house of cards

The thing is you are not wrong, it wouldn’t take much. But life does get in the way. Having fun does need to happen. What if you could find a way to create your healthy bank balance whilst still living a life you love?

(If you not yet living a life you love, then stay tuned, we will be working on that too!)

So what about you? Let’s talk boldly for a moment…

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