Pure goals and objective based planning is far better than the greedy pursuit of ‘more’ which has been the bedrock of financial advice for many a year. Look at it, once we have more, we want some more of that more – it is a never satisfying cycle. Continue reading “Why just goals or objective based planning is selling the client short”
Tag: transition
What is a financial life plan ?
Here is a questions often asked – what is a financial life plan, and why would I need that as opposed to a financial plan?
More and more consumers are understanding that there is a difference between the old way of financial advice (selling as many products as possible) and financial planning (where recommendations are able to demonstrate that they are relevant and appropriate for the long term).
So where is Financial Life Planning different? Continue reading “What is a financial life plan ?”
How to fix a terrible money habit in one month
At our ‘Serenity On Tour’ seminars (which spanned the UK covering Cornwall, London, Lincoln and North Wales), one of the presenters asked these questions …
- How much money do you have on you right now?
- How much money did you spend last month?
- How much money will you spend next month?
Not many attendees knew the answer to the first question, less to the second, and less again to the third. The point behind the exercise, was that if you do not know what you are going to spend next month, then how on earth will you know what you will spend in retirement? Continue reading “How to fix a terrible money habit in one month”
The last taboo – talking about money…
What is the one thing you feel MOST uncomfortable talking about?
Have a think a moment, then write down a few ideas.
What did you come up with?
Perhaps you had some of these : politics? religion? death? mental health? regrets? sexual orientation?
How about money? How comfortable would you really feel about talking to others openly about your finances – how much you earn, how much you owe, or how much is in your bank account? Continue reading “The last taboo – talking about money…”
Overthinking – the art of creating problems that weren’t there!
Are you one of the very fortunate 27% of 25-35 year olds who do not overthink? Yes, a staggering 73% of that age bracket have been identified as over-thinkers according to research conducted by Michigan University.
There are many great quotes about overthinking, but what is it and why does it occur? Continue reading “Overthinking – the art of creating problems that weren’t there!”
It’s only a drop of ink!
How easily are you derailed by the smallest of things? One negative comment amongst all the good ones can often overshadow all the good stuff can’t it?
Using the drop of ink, imagine that you are now going to add that to a bath-tub of water. Just one small drop of ink (one negative comment) and the whole colour of the water changes (just like how you feel). Continue reading “It’s only a drop of ink!”
Belief, focus, time management, health and ignorance – that’s all it takes…
You probably have great intentions to move forward with one thing or another, yet doubt creeps in, you get distracted, run out of time, don’t feel up to it, or spend so long gathering information, that the time has passed.
There are 5 key non-negotiable disciplines of high achievers. Continue reading “Belief, focus, time management, health and ignorance – that’s all it takes…”
Are you a traveller or a tourist through life?
Very soon, your thoughts may well start to turn towards their holidays. Are you though a traveller or a tourist?
Travellers tend to enjoy everything, embrace the moment, experience, wonder, not over prepare or over complicate, and focus on enjoying the here and now.
Tourists however, tend to want to tick things off their lists, have to be over prepared, everything planned to perfection, collecting photos for Facebragging and deeply concerned with telling everyone else what a great time they are having – sometimes, to the detriment of their own real enjoyment. Continue reading “Are you a traveller or a tourist through life?”
Nine months which could change your life
Could you imagine if 9 months ago you made a momentous decision to transform your life? Remember the people who were stuck in the London life – well here is the update… Continue reading “Nine months which could change your life”
Leave the smoke and run to the sun
Are you one of those people who commutes around 90 minutes a day to get to work and again the same in evening as the return journey?
If you are – this true story of someone I was working with will resonate with you… Continue reading “Leave the smoke and run to the sun”
Escaping The Bucket 