Thoughts on finance: The struggles of living within our means

Life comes with responsibilities, and amongst them, unless you’re living off the grid, you have to pay bills. And in the current state of the world’s economy, most are often struggling to make ends meet. One of the perils of managing finances is ensuring that you have enough to live a fulfilling lifestyle. This means that you often require funds to afford your desires. It’s often buying a new book, a dress, holidays or a day out with loved ones. In the age of the internet, though, our desires tend to grow bigger as we see some people ‘living their best lives’ while others swear by the minimalist lifestyle. Then comes the struggles of finding a balance between living abundantly and within our means. So, where do we draw the line? This is an impossible question to answer here as everyone has their financial boundary. We’re all on the same ride in hell, but some are in Lamborghini, some are in private jets, while the majorities are on public transport. So my advice is to place yourself in financial positions that are empowering. Then prioritise what you value the most. If an expensive perfume or spa day is conducive to your growth, then put some money aside and make it happen. 

If you value your sleep, perhaps invest in some good quality bedding once in a while. Nobody should dictate what you can and can’t do in life, especially when it comes to money. Yes, be responsible; however, life shouldn’t be about suffering. Regardless of your budget, living within your means shouldn’t be a struggle. Some days you’ll have to sacrifice to meet specific goals, and that’s on you to evaluate your budget and seek support. Above all, remember that not everything you see online is real. Some are in debt from their head down to their toes, chasing the high of luxury. You don’t need to buy an expensive item to feel luxurious but if you can afford it, by all means, enjoy. 

Until next time.

Thoughts on Money: Financial security is important

Some say that money is the root of all evil or that you do not need money to be happy. This post is not to reinforce or go against this message but merely to shed some light on the importance of financial security. Money is a tool, and with the declining state of the world’s economy, people require this tool now more than ever. Money doesn’t only pay essential bills and support families in the present. When you have financial literacy, you learn how to leverage it in savings and investments to provide security for years to come. Hence you end up working less while enjoying more of it in the future. However, money can also be a pitfall for those who use it compulsively, buying and spending more than what they can afford, for example, buying expensive luxury items, paying for nights out on credit cards and taking out unnecessary loans. These could quickly become a liability in debt.

There are various ways to leverage an income which you can research. The idea of working hard and playing harder in the context of finance is quickly becoming redundant. This is apparent with people promoting awareness of minimalism and ways to spend money consciously. It is essential to know your financial health whether you are in a relationship, living with family or alone. When you take the time to assess your earnings and spending, you can make a financial plan that works for you and will benefit your future. If your financial status is chaotic, you will continue to fall into traps. And some companies take advantage of people who are already in financial traps.

Having financial security allows you peace of mind, which could positively impact your mental health. Losing sleep over money woes and being anxious about whether you can pay your bills on time is unhealthy and could lead you into haste decision making that will further cause a detriment to your mental health. If your financial health is poor, organisations and services are available to provide support and advice. You have to muster the courage to find them and ask for help. Having financial security is imperative, especially when you have goals such as buying a property, saving for your family or even if you want to treat yourself to a vacation.

So take some time to look at your finances, create a plan that works for you and stick to it. Life comes with many sacrifices, but you won’t regret them when you reap the benefits in the future.

Until next time.

~J

Thoughts on personal development: How to invest in yourself in 2022

Mercury is in retrograde along with the rest of the planetary shifts currently occurring until we enter into February. I entered 2022 with elevated energy and determination to succeed in my projects. However, life happens, and most times, we have to pivot. 

I continue to learn that we can invest in ourselves along the way. So why do most of us feel guilty about doing it? Investing in one’s self can be in any way that makes you feel empowered to take action toward being a better version of YOU. This can be financially, physically, emotionally, mentally or spiritually. Life evolves with twists and turns, but it doesn’t seem to get any easier. Even with an abundant mindset and all the law of attraction practices, you’ll find that chaos still stirs. It’s nearly the end of January, and I acknowledge that some of you are going through it already. I send my best vibes to you. Just trust the process. Sometimes, as much as you feel powerless, you have to find a way to be empowered. This is when you choose to invest in yourself wisely.

First, take some time out and breathe. Take three deep breaths with your hands in your heart centre, and just let the energy flow through your body as you breathe in deep breaths and slowly blow it out. Now, sit or stand in that space of stillness and listen to yourself. What is it that you need right now? What are you feeling? Bring your awareness to your needs and create time to meet them. Only you will know your needs, and only you can create the space to meet them.

When you are working to connect with yourself, remember that it is important to set healthy boundaries to protect yourself from outside forces. Your mental health, time and energy are precious assets. Learn when to say no and stick to it, be aware of where you need to invest your time and with whom. When it comes to financing, ensure that what you choose to invest in for yourself is within your means and always do your research. The same goes for your health. When you feel unwell, don’t hesitate to reach out to a licensed practitioner or therapist for support.

For a quick pivot into self-empowerment, find the below ideas on how to invest in yourself this year.

Read a book

Whether you’re into fiction or self-help, there are a plethora of books to help you get to where you want to be. You can start with my short ebook Make Words Your Friend: How to use the power of motivational language to achieve your business goals and succeed in your creative ventures. An easy guide.

I have a copy of The Cat out of Hell by Lynn Truss that I always read when I’m in a funk.

Invest in a hair treatment/ change your hairstyle

New year, new you.

Invest in your personal development

If you’re self-employed, this is an excellent time to find resources to teach you more about your field. You can also speak to your HR department about available personal development courses and resources at work. If you’re stuck, browse the web and watch a video to learn from many talented content creators on, you guessed it, youtube. Don’t forget to visit your local library too!

Embark on a journey of expressing self-love

Decide to go on a journey of self-discovery and self-love. Don’t be afraid to do activities alone, and in time you’ll probably find that you prefer your own company. (Whatever you do, always be safe).

Workout

Start a new workout regime that fits your physical level. Go slow and speak to your GP beforehand if you have pre-existing medical conditions.

Work with your budget

Take some time to go through your paperwork, bills and finance. Create a reasonable budget and stick to it. If you are struggling financially, research organisations for support. It’s easy to get lost in the sea of social media fantasies that have you questioning your worth and comparing your life to others. It’s not all real, and everyone’s facing their struggles. Focus on your own financial goals and develop a plan to reach them.

Nature

Photo by Darwis Alwan on Pexels.com

Go outside and vibe with nature. It’s free. 

Until next time.

Thoughts on personal development: Simply exploring the power of choosing motivational language to win at life.

Today’s post will focus on your power of awareness and its role in choosing the correct language for your advancement. We often busy our days trying to fulfil tasks without paying attention to how we communicate in different situations. However, as intellectual beings, we have the power to choose, arrange and rearrange language to achieve our desired effects in all situations because if you study, look and listen carefully to words, you will understand that each one has the power to create or halt change.

Let’s begin with how language and words are powerful in relation to finance. I want to point your attention to phrases that you may often use.

‘I’m sorry I can’t do this activity this week, I don’t have any money.’

‘I can’t wait for payday, I’m so broke.’

The choice of words used here immediately limits your ability to be receptive to ways that money can actually flow to you. Thus automatically locking you in a lack mindset. You should understand that beyond the material world, money is currency, and currency is energy; therefore, energy does not rest in limit and lack. You just need to find a way to keep it flowing. By stating that you don’t have any money or that you’re broke, you’ve subconsciously stopped the flow of the energy of money into your life. So how do we change this? By removing low-vibrational words associated with lack mindset.

‘I’m on a budget this week, let’s plan this activity for next month where I can factor it into my budget, and we can have fun.’

‘Payday is around the corner. In the meantime, I will work with what I have. Next month I will ensure to manage my budget and cash-flow effectively.’

This does not automatically hand you money out of thin air but opens your mind to ways to manage your finances so that you’re not in the same situation next month. It nudges you to make a plan that factors your financial needs and eliminates dread and embarrassment. This concept can be applied to any aspect of your life, such as health and fitness, business and career, to how you manage your close relationships. Try to approach situations consciously and see solutions rather than focus on the negative aspect of problems.

Until next time.

Thoughts on success: 5 ways to invest in yourself this month

April seems to be over in a flash, but there’s still time to address habits that no longer serve you and get your life in order. We have eased into spring, and nature is now active yet, some of you may still need support to shed the grogginess of winter and step into vitality. Below are the five ways you can invest in yourself this month and possibly for the long term.

Invest in a good notebook and pen

Yes, you read that right. We all have to-do lists, affirmations and thoughts to write and process as we go through the day. Investing in a good notebook and pen will make your journal moments a little more exciting and keep your brain more alert. Try Paperchase or Amazon.

Photo by Karolina Grabowska on Pexels.com

Invest in a workout video plan, app or gym equipment

It’s always a good time to take on a workout regime, whether it’s yoga, cardio, pilates, dance or exploring the outdoors. The beauty of today’s technology means that most times, you don’t really have to leave your house to get a good sweat on. If you have enough space, you can find some free workout videos on Youtube, purchase an app or some accessible home gym equipment. If you don’t have space or the funds, simply put on some comfortable shoes and go for a long walk.

Photo by cottonbro on Pexels.com

Invest in a holistic health treatment

If you have aches and pains that are managed with conventional medical care or simply just want to try something for your overall wellbeing, it’s worth looking into some holistic treatments that are widely available. Ensure to do your research on the treatments and practitioners, and speak with your doctor beforehand to ensure that your chosen treatment is right for you. These include acupunctureacupressurereflexology etc. A nice massage and meditation may also help you feel refreshed and balanced.

Photo by Karolina Grabowska on Pexels.com

Invest in a new piece of technology that allows you to work seamlessly

This can be a new phone, new laptop or anything that will help to streamline your workload and enhance your learning experience. If you’re stuck on a choice, you can find something useful here.

Photo by Josh Sorenson on Pexels.com

Invest in a new meal plan that is healthy yet indulgent

The majority of us are foodies but also choose to stay healthy. This month you can try adding some new ingredients to your shopping list or invest in a new meal plan. There are plenty to choose from to have fresh ingredients for new recipes delivered to your doorstep. Try hellofresh or Gousto if you want fantastic meals but don’t want to spend too long in the kitchen.

Photo by Lisa on Pexels.com

Until next time.

This post is NOT sponsored or affiliated by any of the products or organisations mentioned.

Thoughts on finance: Tiny ways to save money for bigger goals

A lot of times we don’t hesitate to swipe our thumbs and credit cards, purchasing things that we know we can do without. Many of us have goals, and we have an idea of the journey we need to make towards such goals. However, we lack the financial health and longevity. Some of you may wish to purchase your first home or second investment property, thinking about your retirement, or simply wish to start creating generational wealth for your family. Whatever your goals may be, below are some simple steps to help you on your way. Note, I am not a financial advisor, therefore, seek professional help if you’re struggling financially.

Budget, Budget and Budget some more

You’ve probably seen this word everywhere, but the reason why it’s popular is because having a budget is essential to balance your spending and boost your savings towards your financial goals. How many times have you gone to the shop and bought something that you weren’t sure you could afford? Chances are we have all done this. Having a budget is not as daunting and limiting as it may come across. The purpose of a budget is to create a plan for all of your spending. You simply need to write a list of your outgoings with the total and a list of your income. This should include your essentials- bills, clothes, grocery etc. and your wants- The remainder of the money left over from your bills should then be evaluated and placed in a savings account of your choice for the long term. You can also do some research into investing by checking out The Motley Fool.

Balance your wants

I know it’s challenging to adhere to your budget when everything seems to be on sale and it doesn’t help that every social media influencer keeps advertising the latest trend that you NEED to have…The truth Is, you don’t! If you’re serious about meeting your financial goals, you need to seriously consider what you’re willing to sacrifice out of your life. One thing people tend to forget is that long term goals, most times require short term sacrifices and the sacrifices don’t always need to be painful as there are ways to get your needs without spending outside of your budget. If you usually turn your nose up at sales then you can swallow your pride and find some good discounts (yes even on investment pieces), you can learn how to cook your favourite restaurant dishes at home and find the best discount vouchers for your days out. There are ways around doing what you want while staying within your budget, you just need to be more creative and flexible with your research.

Place yourself in the right mindset

Sometimes it’s challenging to save money when we are always surrounded by everyone else’s expectations of what wealth is. The meaning of wealth is unique to each person, and only you know what that meaning is for yourself. In order to reach your goals, you have to take the first step and make a move because nobody will do it for you. Then, you need to align yourself mentally, emotionally and physically by ensuring that your environment is conducive. Your emotional connection to money also needs to be aligned with your vision, and your mind requires focus on executing the actions required to help you on the way. Everyone has their individual circumstances, and to take a step in the right direction you need to pause, evaluate, plan and make a move. This also includes doing research on long term money management by reading books or by finding a YouTube documentary. Yes, YouTube can be handy! Also, it’s good to surround yourself with likeminded people who will encourage and motivate you when the going gets tough but don’t be afraid to go independent if you find that people are dragging you down. There is plenty of support and resources available to help you on your way, but you have to make an effort to find it.

Until next time xo