Money with Alpha

Much of Money Mindset work is based around thoughts, affirmations belief systems and habits. It's very much about psychology. In this week's episode, I want to elevate this conversation into the practical - how does our mindset around money impact us in our daily lives? There are 5 elements that I go through in this episode. This was recorded as part of my annual webinar series, so if you want to watch the replay and see what I'm talking about, then you can watch in either of these locations: Money Made Simple website - you will also find replays for other webinars here that might be of interest to you as well. YouTube

Finding purpose in life is something many of us are seeking, and it's a journey. Something I've learned on my journey, is that this also applies to money. If your money doesn't have some kind of purpose, it too easily disappears, making it more difficult and frustrating to get where you want to go (assuming you know where you're going). Here are the key elements of giving your money a purpose: Be Intentional Get clear Take focused action Be consistent with this action Stay disciplined. Have a listed to some of the hard lessons I've learned along the way and why I feel this is so powerful!

Managing money is not something many of us are explicity taught how to do. We learn by observing what our parents do, what others do, and what society says we "should" do. We might get some direction instruction if we're lucky enough to have parents or people around us who are able to manage money well, and then teach us in a way that we understand. For me, it was completely random, until I started on my own learning journey. Following 10+ years of learning and experience, plus working with clients to help them manage their money better, here are what I believe are the 5 basics/fundamentals for money management (in order): Desire & Mindset - you need to want to learn how to manage your money better, and then have belief systems to support that (or at least be working on your money stories and beliefs to allow you to do something about your desire); Visibility - being able to see your money and know where your accounts are, what is going in and what is going out; Divide and Conquer - separately out your bank accounts - business and personal and then sub-accounts under each, to manage where your money needs to go; Every "dollar" has a purpose - regardless of what currency you are working with, each "dollar" needs to belong somewhere and have a purpose. If not, money will be spent on things you can't even name; Decide, Implement and stay Consistent - all of this is just theory unless you DO something. Take action. Decide what action, take the steps to implement it (i.e. set up your sub-accounts) and then consistently manage your money. Consistency can be your best friend when it comes to money. Let me know if you have any questions!

As children we learn through stories. Swashbuckling characters, heros, villains, obstacles overcome, and mysteries solved. They are etched in our minds and form the basis of how we learn and how we share what we have learned and how we feel. For instance, I love puzzles and solving problems. My first "literary love" was Agatha Christie. To this day I still love reading her books and watching the TV and movie adaptations of her work. I also love Jane Austen and the portrayal of women in those days and how they graciously overcame the societal limitations of their circumstances. How money forms within our minds works much the same way. We see, hear and experience things that money impacts as we grow and develop, and these leave markers in our mind. Often these markers are holding us back. Here are just a few of those I go through in this episode: Stereotypes (especially gender and culture) Imposter syndrome (or feels of inadequacy or unworthiness) Conditioning Fear Negativity Bias. I also go through ways to combat these and how to rewrite your stories.

What are Money Beliefs? How are they formed? How can they be changed? What impact do they have on your relationship with money and how you then manage money? This is what I talk about in this episode, which is a recording from a Webinar that I delivered. Here is a link to the Money Essentials for Business Owners program that I refer to: Money Essentials for Business Owners - Learn Money Management Live (money-madesimple.com.au)

Nearly everything in our life stems from how we see and process it in our minds. Money especially. In this episode I delve into 5 mental elements to manifest and experience financial abundance: Getting a good night's sleep Eating good, nourishing food and drinking enough water Awareness (of the patterns in our live and the lives of those closely related to us) Meditation and/or mentally quiet time (with literal quiet around you) Time discipline to make sure the important things happen. Money Mindset is something that I cover in my program "Money Essentials for Business Owners", which as of today (15 July), is open for enrolments - Money Essentials for Business Owners - Learn Money Management Live (money-madesimple.com.au)

Money is a topic that is always on everyone's minds, and particularly these days. So much is written in the media about the economic situation, and we see it daily in all our bills. To help with this, I have turned what I do one-on-one with clients into a live group online program called "Money Essentials for Business Owners". The program is officially launching on Monday 15 July, and I'm very excited about it. I really think this will help business owners with their Money Mindset and setting up Money Systems to manage their money in a way that you can feel more calm and less stressed and overwhelmed about money, so you can ENJOY life! In this episode I talk about what the program is, why I created and how it works, AND what it will give you. Find out more here - Money Essentials for Business Owners

Health is the most important thing in your life. Without health, everything else becomes harder and we can't enjoy life. Having money gives us greater choices when it comes to how we live and manage our health, so these two topics really go hand in hand. Which is why this episode is so good. Filipa Bellete from Chris and Filly Functional Medicine, and I speak about their approach to health and how they help people to improve their physical and mental health. They have freebies on their website, as well as a book too, which goes through their process. Here is where you can find out more: Website Buy the Book Instagram

What does wealth mean for you? Understanding what it is, and gaining clarity on what you want (and why and when) is an important first step. Then, it's about doing things in parallel, finally. In this episode I go through what that is, and how you can do it! Here are links to the services I mention: Money Essentials for Business Owners - Learn Money Management Live (money-madesimple.com.au) Money Management Assessment (money-madesimple.com.au)

As women enter our 40s, something changes. We start to want to know who we really are, and how we got to where we did. Plus, what do we really want in life? Frances Scadden's journey has lead her to help other women in their 40s, 50s and beyond with this question. To help the feel empowered and confident in their life and what they think they are capable of doing. A great conversation! Here is where you can find out more about Frances and what she does: Instagram Website Confidence Circle

Why is it that we avoid things (like looking at our finances)? Our brains are a complex "computer", and understanding how they work makes it easier to program them in a way that actually works FOR us, rather than against us. In this episode I talk about 3 key concepts to understand our brains, specific to money: Survival - our brains are wired to make sure we survive (it isn't interested in thriving), and this is done through making sure we remain with what is familiar to our brain; Change - this is seen as a threat to our survival, as the change may hurt or kill us. So, we need to make any kind of change, incrementally; Habits - to reduce the mental load and energy exertion that goes with change, we need to embed as much as we can into a habit, which requires consistency. Here is the link to the FREE Financial Health Self-Assessment quiz that I mention at the beginning of this episode - FREE Financial Health Self-Assessment (money-madesimple.com.au)

Parenting (like money) is not something we are taught, yet we have to navigate somehow. Where you are also parenting a child who is neurodiverse, there is potentially more complexity. Leanne Tran is a psychology who specialises in helping parents understand their neurodiverse child, and how to help the children understand themselves better. A fascinating conversation, with lots of great information. Here are Leanne's links, so you can find out more: Leanne's Website Leanne's Instagram For Psychologists

Lately I've been drawn to books and podcasts that talk about how we are not here in this life to gather "stuff". We are here to connect, grow, evolve, share, help, and even make an impact (on whatever scale). This has resonated with me quite a lot, so wanted to share this with you as well. I started gradually decluttering "stuff" out of my home, and letting go of things I wouldn't use or wear anymore. It feels so good to be "lighter". In this episode I also give you ideas for how you can find more simplicity and enjoy life without spending more, or any, money.

Maree Kirkpatrick is passionate about helping business owners learn how to sell without it feeling uncomfortable and something to actively avoid. Her approach is simple, straight forward, and very human-centric. In this conversation we delve into money, selling, business and psychology. As a successful business owner and mum, she is also well aware of the juggle that is life. She has a wealth of knowledge and she openly shares SO much in this conversation. To find out more about Maree: https://www.mareekirkpatrick.com/ https://www.mareekirkpatrick.com/club https://www.instagram.com/mareekirkpatrick/ https://www.facebook.com/mareekirkpatrickconsulting

Mother's Day is a good opportunity to be reminded to take a pause and appreciate life, inspite of all its challenges. Here are 3 areas I focus on in this episode: Gratitude - being consciously grateful for what we have in our life. Even where there are challenges, look for the things that you appreciate within everything else. Giving - this isn't just about giving money, it's about caring for others and giving time and attention to the things that matter most to you. Receiving - to complete the energetic loop, it's important to be able to receive as well. If you only give, it's likely you will burn out. Being open to receiving also allows others who care for you to give. Ultimately, it's a timely reminder to be kind to yourself (and others), and come from a place of love. In the intro I mention a workshop I'm running in Brisbane on 21 May. Here are the details - Budgeting Essentials for Small Business (money-madesimple.com.au)

There is nothing that beats the smell and taste of bread fresh out of the oven. When I was a kid my mum had a breadmaker and we used it pretty regularly. Nowadays, with sourdough being a bit kinder on some tummies (including mine), I prefer this, as well as using spelt flour. Sourdough can be a little difficult to work with though, and I've found that with spelt flour there are added complexities. So, after almost a year of trying different things, I've found a recipe and process that works consistently! And, because I get asked how I make my bread pretty regularly, I'm recording it so it can be shared! Plus, the cost of each loaf is around $7, which is also a bonus. If you would like the video version of this, please check out my YouTube video - https://youtu.be/haXGm788jHA There is also a written blog article as well - https://www.money-madesimple.com.au/blog/spelt-sourdough-bread-recipe To find out more about the in-person workshop I mention at the beginning, please go here - Budgeting Essentials for Small Business (money-madesimple.com.au)

Are you experiencing the problem where you are making money, but your bank account doesn't reflect this? Worse still, your tax return says your business is turning a profit (which you're paying tax on), and you aren't seeing this the cash you have? This episode will help you to understand these issues, which plague many small business owners.

How much of our lives are we living truly based on our own design (and not someone else's, or society's)? Our lives are influenced by our Beliefs, Stories and Behaviours, around money, and other areas. Being inspired by others is one thing. Comparing ourselves to them is a recipe for depression and anxiety. In the episode I talk about some strategies I use on myself and my clients to help manage situations when I'm not feeling that my life is really heading where I want it to go.

Procrastination and avoidance is something we do when we don't like it. Money tends to be one of those somethings. And it doesn't need to be like that. Especially as money is extremely important. In this episode I take you through 3 steps to help you find more fun in sorting out your finances.

Travel is something I've loved since I was a very little girl. When I started working at the age of 14, my primary goal was to save up to travel. Apart from a few years when my daughter was first born, I've gone away somewhere every year. I even worked at an airline for a few years, and did a lot of travelling in that time - taking advantage of the standby deals! So, I've cultivated my travel budgeting too over the years. However, this last trip I just took with my mum and daughter didn't go quite to plan. Have a listen to find out why, and what I did.

Budgeting is something that many of us avoid, but know we really should do. It's a bit like exercise, only exercising you can make somewhat fun (think Zumba!)... Being aware of what is coming in and what is going out each month is part of it. Forecasting is important also. Many accounting systems will try and help you with this, however, the budgeting side doesn't connect in with your personal budget. This episode takes you through the principles behind how I do this. To watch this episode on YouTube: Click here.

Money is something we are not taught about - neither personal finances nor business finances. And yet, we feel so much shame and guilt around our ability to manage money. This episode is me delving into the "why" of this, and also to give you some strategies to help yourself move beyond it and head towards confidence and financial empowerment.

Manifestation and Money Strategy might seem like a odd combination, but in order to make anything real (which is what manifestation essentially is), you first need to be super clear. Strategy gives you direction and is a way to condense your "wish list" into a structure that you can make plans and then tasks lists on. Alignment between your strategy, plans and tasks are important. Think about making a meal, or organising and holiday, or renovating a house. Without first knowing what you want to do (or where you want to go, or what you want to eat), it makes everything else completely random and even more difficult. Here are the 5 elements I go through in this episode: What do you want? Why do you want it? How will you do it? (what action step(s) will create movement towares what you want) Money audit (knowing where your money is coming and going) Visualisation. Now is the time to get clear and be strategic about your money and finances! If you want some help with this, here is what I mention in the episode - Money Makeover (money-madesimple.com.au)

What better way to reach retirement faster than to pay off your debts and invest more! Debt is not a fun topic, so the best thing to do is talk about how to get rid of it as quickly as possible! Especially debt that has a high interest rate. In this episode I go through how to pay down debt faster, including your mortgage, and why it's important to invest while you're doing this. Also important to consider is how much you need in retirement, so you can make decisions about how to get there faster. Here are some resources mentioned in the episode: If you want to watch this on Youtube (where I also have some visuals) - https://youtu.be/UM0xr1qHdL4 a good calculator to help you figure out how much you need for the retirement lifestyle you want - https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator#/personal-details/about-you

Habits have the power to help us and hold us back. Are you happy with your money habits and how they are influencing your finances? These habits apply to both your business finances and your personal finances. Here are the 5 Money Habits I go through in this episode: Get Clear on Your Vision/Purpose Watch your Money Monthly Streamline Your Spending Use Savings Instead of Credit Invest on a Monthly or Quarterly Basis Here are some resources that I mention during the episode as well: Money & Lifestyle Vision - guide and meditation Money Habits Reset - mini-program waitlist

Think of the different areas of your life, and what happens if you don't pay them enough attention: Relationship with your partner - this doesn't get better with less communication (especially if you avoid talking about money) Relationship with your kids - they want to be seen and heard, and that means paying them focused attention Your garden - it won't be beautiful or healthy if you complete ignore it! Your relationship with money - it will deteriorate the more you ignore it, and the issues that are there now will just get bigger. I could go on, but I think you get my point. I could go on, but I think you get my point. The more attention you pay something, the healthier it becomes. This was inspired by my recent gardening endeavours and how much better my vege patch is after paying it some decent attention!

Money brings up all sorts of emotions in us - overwhelm, fear, shame, guilt, anger, confusion. Wouldn't it be great if instead of these emotions, it make us feel - joy, excitement, determined, clear, confident. How then, do you shift from one end of the scale to the other? In this episode I go through: Challenging Your Beliefs around Money Get Clear on What You Want Money For Look at or Prepare a Workable Budget See Where You Can Make Better Decisions Take Action

This week, Emma Gilmour from Hope Rising talks about her experiences with alcohol and how quitting back in 2020 has changed her life for the better. She now works with other women to help them develop a better sense of self, without alcohol. Here are the FREE Awareness Worksheets mentioned - Preparing for a break from booze or just wanting to get intentional with your drinking https://www.hoperisingcoaching.com/awareness-worksheets-opt-in Her 5 day virtual retreat is starting on 19 Feb. To find out more - https://www.hoperisingcoaching.com/5dayvrfeb2024 To connect with Emma: Midlife AF Podcast: https://www.hoperisingcoaching.com/podcast Website: www.hoperisingcoaching.com Social handles: @hoperisingcoaching

In this week's podcast episode I go through the 5 financial game changers that have influenced where I am today. It's been a 10 year long journey, so hopefully some of this might help you shorten your journey! You can now also watch this episode on YouTube - https://youtu.be/cbwlCbVaDN4

It's a New Year - yay! So much excitement goes into thinking about and planning for another year. What happens if something happens and this all falls flat? That's what happened to me, and I go through my experience and what I'm learning from it (it's still an active process). Some of this may help you too.

As we approach the end of the year, here are some ideas for you to ponder over as you wind down. Take some time for yourself over the next few weeks. Do some planning, and map out what you want the coming year to bring. Here are some resources to help you: Free download of a simple 3 page annual plan - Annual Plan Template FREE Download (money-madesimple.com.au) Mini program to get your energy and mind on track - Elevate Your Money Vibration: 30 Daily Practices (money-madesimple.com.au)

Emma Lovell leads a life that many of us would love - combining her passion for travel with her business. She recently came back from a retreat she held in India and her approach is to help clients achieve more prosperity and results with greater ease and taking time to rest. This is something Emma has learned the hard way and she now builds rest and ease into her business and helps others to do the same. In this episode we talk about money, building wealth, mindset, challenging the status quo - it's full of inspiration and great ideas that you too can implement. To find out more about Emma: Hot off the press - her next retreat is just being announced. These sell out, so get in quickly - https://www.emmalovell.au/srilankaretreat Emma "Lovelly" Lovell (@emmalovell.au) • Instagram photos and videos Emma Lovell - Live a life you LOVE! The EMMA LOVELL Show on Apple Podcasts

There are 5 main components that contribute to a mind that is fueled up with the right elements to help you experience more joy and ease when it comes to money: Language Assumptions Sleep Nutrition Support.

Money is energy. The energy we give to our thoughts and behaviours around money has an impact to the way money shows up in our life. In this episode I delve more into this and how you can raise your energetic vibration around money and create the abundance you want. Here is the link to the program I mention in the episode, which is starting on 2 January: Elevate Your Money Vibration: 30 Daily Practices (money-madesimple.com.au)

As we start to wind down for the end of this Calendar Year, there are some great books that you can curl up with and enjoy some much needed "me time". I really tried to get this list down to 3, but I ended up with 7. Here they are in no particular order: "The Four Agreements" by Don Miguel Ruiz "The Gap and the Gain" by Dan Sullivan and Dr Benjamin Hardy "The Subtle Art of Not Giving a F*ck" by Mark Manson "Think and Grow Rich" by Napoleon Hill "Be Seen" by Jen Gottlieb "Atomic Habits" by James Clear "Life Admin Hacks" by Mia Northrop and Dinah Rowe-Roberts.

Christmas is coming! The best way to keep the cost and effort as low as possible over Christmas is to start planning - preferrably now. In this episode I give you some ideas and also let you in on what I do to keep Christmas manageable - both financially and mentally. Every year I host a large Christmas Eve dinner, and I've worked out how to make it fun and as fuss free as possible. Enjoy!

Being an adult can often feel just plain hard - especially as a woman, a mum and a business owner. There is SO much to do. Life Admin is also something we don't really acknowledge to the fullest extent of its impact. We realise there is housework, taking care of the kids, taking care of parents, taking care of the household in general. Life Admin forms a HUGE part of this. Over a glass of wine, Mia Northrop and her good friend Dinah Rowe Roberts were lamenting all the "stuff" that just needs to get done, and they decided to do a lot of work and research to put together the amazingly helpful book, "Life Admin Hacks". In this episode Mia takes us through lots of great tips to make your life easier to "adult" (I love how language develops, and that this can be used as a verb!). Get the Book! Follow on Instagram Follow on Facebook

Feeling overwhelmed in the present day is completely understandable. There are SO many facets to our lives that have multiple layers. Anytime anything changes, this adds to the mental load. There is an Inner Layer that goes with this: Your Beliefs The Thoughts you think, based on those Beliefs Emotions you feel as a result of your Thoughts Actions that you do or don't take as a result of your Thoughts. HOW do you work on the Inner Layer in your Outer World, so you can take the right action and feel less overwhelmed, or at least manage everything better? Here is a process for that: Reflect on what you have done and achieved so far in your life and whether you want to keep going how you are going now. Take the Time to both reflect and just "be". Sit with your Thoughts, and think back to how these relate to the Beliefs you have. Write down the Beliefs that come to you (good and not so good). Reflect on the Thoughts you have. Feel where in your body you are feeling the Emotions that are coming to you. Gain Clarity from these reflections, and write down what comes to you. It's important to get this out of your head. Ask yourself questions about what you want, why you want it, and how you want your life and business to be. Make a Plan of at least 1 to 3 Action steps, and then DO the things you have on your plan! Here is the free download I mentioned, about helping you to document and shift your Limiting Beliefs - Kick Your Limiting Beliefs Out of Your Life! (money-madesimple.com.au).

What is the Enriched Life Club, you might be asking? It's the ONE PLACE for Women Business Owners who want to generate enough money to support the lifestyle they want now and in retirement, with the confidence to know they won't run out of money! PLUS, Mindset Tools and Strategies to support you actually achieving your goals! It is a live, online group that will help you gain: Greater confidence in your decision making when it comes to money Peace of mind to know you can pay your bills Comfort to know you will have enough money in retirement Happiness when you see your savings and investments grow Excitement when you realise your business can now scale and make more money! More time to enjoy life as the systems you have set up hum along. Find out more here - www.EnrichedLifeClub.com If you would like to book in for a complimentary Clarity Chat to see if this program is right for you, click here.

Can you be both spiritual and a successful business woman? ABSOLUTELY! How you practice spirituality is part of your journey and we all evolve in this space. It goes beyond personal development, and into the realm of "being" and "receiving". There is a peace and calm that goes with bringing spirituality into business, which is not always easy. Part of this blending of the spiritual and business impacts how we make decisions in our business - who we work with, what we offer, how we offer it. And our decision making style grows and evolves with us as we pursue the journey of enlightenment. Recognising that it is a part of who you are is important, and then you can also recognise that in order to amplify your impact and make decisions that will support your growth, you need to be aware of your numbers. The financial side becomes important as a tool for growth. There is then energy that is injected in how you see money and how it shows up for you in your business. This blends the spiritual and business beautifully.

If you find yourself in a situation, whether it be in your personal life or business, that you don't completely like, the only way to make a change is to first become aware of the issue or problem. Awareness is THE first step in any journey. Without it, you don't actually go anywhere, do anything or change anything. When it comes to money, this is essential. Until you become aware of needing to understand your finances more and know how your money mindset is impacting you, then you won't do anything about improving either your finances or your mindset. Once you have the awareness, next comes Curiosity. Questioning why you are in the situation you're in, why you believe the money stories that you do, etc. This helps you to figure out what you need to change, which is where Clarity comes in. Clarity makes everything SO much easier. We often launch off into problem solving mode, before we are even aware of what problem we are trying to solve. Heading off without this means you haven't started with awareness first, and then comes frustration, procrastination, and more "fun" things.

Cashflow is something that is the lifeline for small businesses. Having started out as a corporate tax accountant, I was always trained to focus on the Profit and Loss (or Cash Statement) and the Balance Sheet. However, cash really is the health check of any business. Your accounts can look very healthy. However, if you don't have cash available to pay for things, then that becomes a big problem. Because many of us have never been taught how to manage money, it often means that managing money within your business can be equally, if not more, challenging. There are a number of ways to both track and improve your cashflow. Here are 5 ways that you can do straight away: Review your business plan and the goals you have set for yourself this year. Are you on track? If not, what is the cause and how can you get on track? Streamline systems you use - review what you use against what you're paying for Look at your monthly cashflow - your profit over the prior 6 months and next 6 months to see when you are most profitable and why. Trends can help you to make better decisions about what product or service to focus on promoting. This is like a budget and cashflow statement in one, where you document what you plan to earn and spend, then go back and record what actually came in and went out. Make sure you put month aside for tax (GST, company tax, and any other taxes you may be liable for), and super. This also includes any withholding tax and superannuation that you need to pay for your staff. Put money aside each month to cover months where expenses are higher, so you don't dig into either profits or an overdraft.

Mindset is something that impacts every aspect of our lives, particularly money. What is it though and how is it formed? There are 4 aspects that I believe are how our mindset is formed: Identity or Sense of Self Beliefs (about you we are based on our identity) Behaviours (that reinforce who we believe we are) Habits (repeated behaviours that embed our beliefs and reinforce our sense of identity). In this episode I go through the foundations of mindset. Here is a link to my new FREE Guide, which I mention in this episode: Money Mindset Makeover for Female Entrepreneurs

In this episode Rudi opens up about an incredible journey and how navigating stereotypes and biases has been part of a life altering transition. We cover off many topics here from following your innate curiosity about life to experimenting and using your Values as a compass to help you gain clarity. Rudi works with women to help them reveal their authentic best current self. To find out more about Rudi, here is where you can go: Website Instagram Facebook

Life is about polarity - things come easily to us or are difficult to, problems are big or small, people are challenging or easy, life flows or feels stuck. I could go on, but I'm sure you see what I'm getting at. Prosperity is a goal that many of us aspire to achieve in our lives, both personally and in business. It's about more than just accumulating wealth; it encompasses a sense of well-being, fulfillment, and the ability to make a positive impact. One powerful way to pave the road to prosperity is by harnessing your strengths. We are often taught to focus on working on our challenges, because our strengths are something that come easily to us. There is certainly merit in this approach, however, it assumes that we know what our strengths actually are. And then, even if we do know, how we can translate them into something that improves our lives and the lives of others? As with all things relating to improving our lives, it starts with awareness. Have a listen to find out the other elements of this.

While money itself is something we exchange for something we want or need, there is so much emotion attached to it. We are taught from a young age to believe that money is the thing that we all need in order to live a happy life. And, while money does enable a more comfortable life, we aren't actually taught about it, and the messages we are fed are often very gender biased. Men are told to invest, take on risk, grow wealth. Women are more likely to be told to save money, budget, don't take risks. The end result becomes very different for men and women, plus women take time out of the workforce to raise children, so they are even further behind financially. In this episode I talk about ways we need to start changing this.

Stories are powerful. We learn through stories, and we tell ourselves stories all the time. When it comes to money, we need to make sure these stories aren't holding us back. When it comes to relationships this is amplified, as there are now at least two potentially conflicting stories being told! Here are 4 strategies to help manage destructive money stories in relationships that are covered in this episode: Awareness Language & Communication Kindness Habits.

Time is one of those limited resources that we all want more of. Having enough time to do "everything" drives many of us to follow new fads and hacks. The thing is, we can have all the time we need, if we have clarity on what we want and we support ourselves with the right habits. Sounds super easy right? Well, yes and no. Yes, because if we had clarity and habits to support the available time we have, everything would flow smoothly. No, because this looks different for everyone, and life has a way of getting IN the way. As soon as one "block" of time tumbles, the rest come falling down, and it feels difficult to get everything built back up again. So, what is the solution? Here is a 5 step process to help you figure out and map out how to manage your time, and then make sure you have habits in place to support what you want to achieve within the time you have available: Clarity Prioritise Your relationship with time Review your habits Align your habits and time.

Managing your money as it comes in and goes out can be challenging at the best of times. It's even more challenging when your income fluctuates and some of your expenses do also (when they are linked to your income). This is particularly the case if you are employed casually, are self-employed or run a business. Using a cashflow management method for both Personal and Business Finances becomes even more important when your income is variable. There is the "bucket" method, which is essentially using different bank accounts to manage different areas of your personal and business life. This episode goes through a way you can do this that is simple and effective.

What comes to your mind when you think of being "financially free"? It's a term that gets used, but it's unlikely that we really understand. I know I had no idea until not that long ago! Freedom is one of those words that is often interpreted differently. There is perspective and mindset that goes with this, and when it comes to money it also is different for different people. The important thing is to have thought about it and be conscious of what financial freedom is for you, so you can better plan for it, and then celebrate it once you have achieved it! In this episode I go through some ways to help you identify what financial freedom is for you, and how to calculate a number to help you figure out when you get there!