This week I needed to provide a detailed statement of my Net Worth. This is a statement showing all my assets (the things I own) and liabilities (the things I owe), which when one is taken away from the other, gives the net worth figure. The bottom line figure of where I am financially. Being [...]
Are you puzzled as to what Money Coaching is? After all, it is a newish profession in the UK. Ok so, money and the concept of it, often triggers strong reactions within us, creating patterns, beliefs and behaviours that seem to repeat, over and over. For example: worrying about not having enough comparing ourselves to [...]
No.1 Check all savings accounts and bank accounts to see exactly how much cash you can trash. No.2 Open up a credit card – make sure it is one with a nice high-interest rate with a whole load of credit available. No.3 Go shopping online and spend as much as you can on unwanted presents [...]
If you are spending more than you earn it is time for you to find the way to balance your budget. Firstly, though I know that many of you find it hard and painful to work out where and how to cut back on spending, I also know that it makes you miserable when you [...]
I have recently launched a programme for people who really want to get their money in shape but for some reason, they haven't. It is clear that some of the reason is just a gap in their knowledge - which is easily fixed. Other contributors are lack of time and not seeing it as a [...]
Saving is an interesting thing. For some it is easy but for others, it seems just something that other people do. An impossible dream. There is a popular view of people who don’t save for the future as lacking in self-control. I believe, however, that it has less to do with self-control and more to [...]
Financial freedom and financial independence are commonly written about today. But in my experience, for most people both FF and FI seem unattainable and just something that is for "other people" and not themselves. Well, this is the thing. I have never been a big earner, neither has Neil. Yes, we have been given some [...]
“Stop showing off Frances!”. The words hit me like a brick. I jolt to a stop, hang my head in shame and back towards the door. Once outside, huge tears roll down my reddened cheeks, whilst I try to work out which feeling is the strongest – humiliation, shame, or anger. Humiliation takes first place with shame coming in [...]
How would you like to have total control of your money? How would it feel to be conscious and aware of all the money movement in your life? Can you imagine what it would be like, to put your head on the pillow tonight, knowing exactly where you are financially? But not only that, to [...]
Many young people in Cheltenham are feeling the let down by being made redundant around now. Why? Because the Gloucestershire Echo, the local paper, is closing down much (or maybe all) of the deliveries. These keen school age workers were prepared to get on their bikes and work delivering papers for the princely sum of [...]
