Financial Runes – Stones 4, 5 & 6
This is an in depth look at the second 3 stones in the New Year. New You. New Finances ~ “Your 2021 Financial Forecast” blog post. Related Post: Financial Runes – Stones 1, 2...
Tagged: patience
10 Steps to protect your finances against dangerous changes
If there is one thing that is certain in life, it is that things always change. The most dangerous place you can be financially is complacency – getting too comfortable with the way things...
Who said you had to get it (your finances) right the first time?
Wow! We are so hard on ourselves aren’t we? We think we are supposed to get it all right the first time. Relationships! Careers! Finances! Now, tell me, where in the owners manual of...
Tithing: The Art of Giving
I was listening to a speaker on Kids and Money recently, they talked about teaching kids to separate their money into different jars. The basics are savings, spending (both short and long-term savings goals)...
Sometimes Financial Counsellors Need Help Too
Its true! Just because we help people find solutions to their financial woes, doesn’t mean we don’t have our own.
I’m sure fitness instructors sometimes have lazy periods, Investment advisors have lost money and great chefs order pizzas. The point is, we are all human and we all make less-than-perfect choices once in awhile. In fact, it is our very mistakes that help us help you. As other has been heard saying, “do as I say. Not as I do”.
Are you in survival mode or beyond?
If you step back and look at your finances, you will find that you are in one of three stages of financial being – The first stage is “survival mode”. The next stage is the “breathing room” stage. The third stage, which is where we all strive to be, is the “comfort zone”.
I’m making a stand with wet hands!
It’s been six long months and my hands are cleaner than ever. Who would have thought I would make it this far? I am referring to life without a dishwasher. Around mid-December, ours broke. My first reaction was sheer terror. I’m pretty sure I almost lost consciousness. Like many families struggling to make ends meet, I didn’t have any savings to buy another. The word credit kept flashing in my mind, but we were just managing what we had. I took a deep breath, pulled up my rubber gloves, and started washing.
Feeling Good About Money
{“You have got to feel good about money to attract more to you. Understandably, when people do not have enough money they do not feel good about money, because they don’t have enough. But those negative feelings about money are stopping more money coming to you! You have to stop the cycle, and you stop it by starting to feel good about money, and being grateful for what you have. Start to say and feel, “I have more than enough.” “There is an abundance of money and it’s on it’s way to me.” “I am a money magnet.” “I love money and money loves me.” “I am receiving more money every day.” “Thank you. Thank you. Thank you.”}
One credit card with a dash of control please!
Seriously, why do you have more than one credit card? The likely answer is (although I’m sure many won’t admit it) “so I can spend more money than I earn”. The intentions might be good (buy necessities, pay for the kids sports, buy gifts) but the results are the same (if you consistently spend more than you earn, you will eventually hit a financial brick wall, and your finances will crash). This might mean something as drastic as losing a home or something less severe like paying for a decade or more for living above your means for a few years.
WARNING! Use optimism with credit sparingly
I think credit should come with the above warning. We tend to be overly-optimistic when it comes to using credit. The warning signs are easy to recognize. we can afford that loan because I’m...
