The Financial Confidence Project

Money doesn't need to be complicated. I guarantee this will be the simplest money tip you will ever read and is a great way to recalibrate your thoughts when there is too much noise out there telling you what to do! 🗣️

A healthy relationship with money has the following elements: earner, saver, investor, spender and giver. The proportion of each will be unique to you.

Earner is pretty self-explanatory – you need money coming in, preferably from multiple sources that don’t all require you to be actively doing something.

The saver provides security, but you need this in proportion to the investor and spender or you might feel really safe and secure but you’re actually just working really hard and not really enjoying life.

You don’t thrive without spending. From the finer things in life to making sure our basic needs are met we do need to spend money – the more your spending is in line with your values, the more you will thrive and the healthier your relationship with your money will be. However, if you don’t have an element of saver you’re skydiving without a parachute.

The investor sees the wisdom in using money to earn more money either through investing in themselves to increase their income or investing in assets that generate income. Without an element of investor, you’re working hard but burning out.

Lastly, the often-underestimated giver. True fulfillment is the ability to give back and it's where many find their life purpose, however without an element of saver, investor and spender you’re trying to put on your own oxygen mask after you’ve helped everyone else on the plane secure theirs.

And for those who want it put really simply: Spend less than you earn and do something smart with the difference!

There’s a whole lot more to this conversation and a multitude of reasons why we don’t just decide to have a healthy relationship with money and make it happen. If you would like to work towards a healthier relationship with money, I’d love to chat with you.

Being Valentine’s Week I thought why not continue the conversation around our relationship with money. 💞

I can’t stress enough that your relationship with money is one of the most important, and long lasting, relationships in your life. It’s critical to nurture it.

Whilst it’s easy to say, “you need a healthy relationship with money to truly thrive”, if you don’t know where you’re trying to get to it’s a bit difficult to navigate getting yourself there.

So, what does a healthy relationship with money look like?

Often, we associate people who are “savers” as having a good relationship with money and people who are “spenders” as having a poor one. It’s just not true and actually much more complicated than that.

If you would like to work towards a healthier relationship with money, I’d love to chat with you.

A timely reminder on today, Valentine's Day! If you want to learn how you can give your relationship with your finances a boost book a chat with me and we can talk about how you can start working towards the life you want to live.

Because a chat with a financial advisor is a better gift to your future self than any roses or chocolates! 🌹❤️

Isn't it time we all got back to what really matters? Take 10 minutes and think about what makes you happy. Then create a plan to do more of that.

Dogs really do make life better. 💙

Introducing Candi, the newest addition to my family. She’s an 8yr old Smooth Collie - like Lassie but with a short coat. Candi arrived late last year so I have been a bit delayed in introducing her.

I happened to see her photo on Facebook in one of the Collie groups and her breeder was looking for a family for her. Sometimes the time is just right, I wasn’t really looking for another dog but Smooth Collies aren’t popular so they aren’t easy to find and I thought she might be a good fit for us.
Turns out she is a great fit for us! 🐾
She’s really taken to “home” life (she was a kennel dog) and, as you can see, every couch is hers now! 💤Do you have an animal that helps turn your house into a home just like Candi?

Sometimes new year's goals can seem a bit big and scary so let's break it up into just one step. What can you do this month that will set you up for you this December?

It might be to open a savings account, or do a budget, or invest in shares, or it might just be to book an appointment with me! 💗