In the journey of life, courage is often the unsung hero that propels us toward change and growth. It’s the force that challenges us to step out of our comfort zones and embrace the unknown. Bonnie Garmus aptly reminds us, “Courage is the root of change – and change is what we’re chemically designed to do.” This powerful statement is a call to action, urging us to break free from the constraints of fear and self-doubt […]
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The ripple effect of change
Change, a constant companion in our journey through life, often becomes a focal point as we transition into a new year. However, its principles are timeless, transcending the boundaries of calendars and seasons. The essence of change lies in grand resolutions and the subtle shifts of our everyday choices – from our thoughts and attitudes to our actions. Significantly, these changes, no matter how small, can profoundly impact our finances and social environment. At the heart […]
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Revitalising your planning approach
At any moment during the year, finding the space to pause and reflect is more than just a breather; it’s a chance for a transformative new start. It’s an opportunity to step back from the day-to-day grind, to reassess and to break free from the habitual patterns that often govern our approach to planning and organising both our lives and our finances. By stepping outside these familiar routines, we open ourselves up to fresh perspectives and […]
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The only list you have to worry about
“He’s making a list, and checking it twice; Gonna find out who’s naughty and nice.” You’ve probably heard that line once or twice, right? For those who celebrate Christmas, there’s a tradition that speaks to Santa Claus having two lists, and only the kids on the nice list (good and well-behaved)… get gifts. Interestingly, this is not a Christmas-time tradition, but rather a parenting hack designed to keep kids in line during the rest of the […]
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The Power of ‘Get To’ Over ‘Have To’
Life only seems to get busier – no matter how hard we try to slow things down. It’s easy to fall into a pattern of viewing tasks and responsibilities as burdens, things we ‘have to’ do. This mindset, often a default setting, can make our days feel heavy and obligatory. But what if we could shift this perspective? What if, instead of ‘I have to’, we started saying ‘I get to’? This simple linguistic flip can […]
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The relationships we cherish and celebrate
In the rhythmic and deceptively unpredictable day-in and day-out of our calendars, there are moments when our wallets feel significantly lighter. The end of the year, with its festive sparkle and cheer, often brings a flurry of spending that can leave many of us dizzy. It’s not just the holidays, though. Think about that one month when it seems everyone you know is celebrating a birthday, or perhaps the season of weddings and anniversaries. These periods […]
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The Ballad of Golden Means
The Ballad of Golden Means In sooth, a tale of coin oft told, Doth shake the hearts of young and old; For lucre’s siren song entwines The very core of mortal lines. Yet, shall we to this master bow? Or find we balance ‘twixt the bough? In measure fair and wisdom’s sight, Let not the gold our souls indict. For though the purse may fill with glee, ’Tis but a shadow’s feign’d decree. A full heart […]
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Why we may never have ‘enough’
The concept of ‘enough’ remains as elusive as the horizon — always visible yet forever just out of reach. This is particularly true in our relationship with money, a relationship that often mirrors the depths of human desire and the complexities of contentment. The nature of enough is a philosophical rabbit hole. On the one hand, it is an acknowledgement of sufficiency, a nod to the point where need and provision are in harmony. Yet, paradoxically, […]
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Where habits and wealth intersect
Our daily existence is a series of patterns and habits, some as visible as the paths we walk, others as intimate as the thoughts we entertain. Within this daily walk, each choice of habit — whether tied to our finances, our health, or our personal growth — has the potential to either constrain or liberate us. Recognising and nurturing these patterns is akin to tending a garden; it requires patience, attention, and a willingness to nurture […]
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How do you express stress with your money?
We’ve all been there: that moment when life throws you a curveball and stress builds up. Your palms might get sweaty, your heart rate spikes, or perhaps you feel a pit in your stomach. But have you ever thought about how this stress manifests in your financial behaviour? Understanding your ‘money stress language’ could be a pivotal factor in achieving comprehensive financial wellness, which is the ultimate aim of integrated, holistic financial planning. Despite how enlightened […]
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