Ok so here is Part 2!

If you didn’t see part 1 yesterday, here is the link:

https://jillporter.wordpress.com/2015/04/29/changing-up-the-back-story/

Having got myself back on track following Mum’s death I then had to take another break whilst I had surgery on my hip. I was on crutches for 6 weeks and sore and tired, so not much work got done!

Now I am not going to bore you with all the details but during the next 4 years  I had another 4 lots of surgery! Most of them quite big surgeries and requiring significant recovery time. Between each one, my business would grow again and be on the brink of becoming successful and bang, another surgery, and back down it would go.

Bugger! But great excuses for absolving me of any kind of blame or responsibility, right?

Wrong!

Now I needed all of those surgeries but on some level I needed the hiccough they brought to my business success too.

I’ve done quite a lot of exploration of this over the years but as many of you reading this will know, I’m not much into woo-woo stuff, so I also rejected any idea that I may have had a part to play in any of this.

Recently, I’ve come to accept that I surely did. Law of attraction! On some level I am still a bit skeptical about the role of the Law of Attraction when it comes to needing surgery or for that matter getting other physical illnesses. The traditional medicine which I have known and practiced as a nurse for so long, still has me pretty firmly in it’s grip!

However, what I have come to accept in the past few months, was how my surgeries allowed me to play the victim, not be responsible for my business success, or lack thereof, and to just coast along with it, blaming my “bad luck” for the lack of momentum.

What I had unwittingly done, was go from overspender to underearner..the flip side of the same coin!

The end result is the same. I end up in debt and never have any money…initially from spending it all and more, and more recently, from not earning it!

What have been the effects of all this?

My relationship ended. I may have stopped overspending but now I didn’t have any money at all and that still put the relationship in precarious territory and F left. We remain great friends still.

I moved into an apartment but for the first time in my life couldn’t pay the rent, moved out and went housesitting. I actually love doing this. I stay in some fabulous homes and look after some amazing animals and have wonderful experiences. I hate moving though and living out of a suitcase can get pretty tedious!

When I moved into an inner city apartment I sold my car and walked everywhere. I haven’t been able to replace it.

I have had to borrow money from friends and family. This has strained some treasured relationships.

For some months I was on a WINZ accommodation supplement.

My pride has taken some massive hits.

But, I now know and believe that I truly have something to offer so many people.The lessons I have learned about our relationships with money are too valuable not to be shared. The work I do is important and who could be more qualified to do it! I am taking responsibility for that. There are people out there who need me.

Now that I have spilled all that ( whew!!) I intend that this blog will be a way to chronicle my journey and adventures along the way, whilst also giving some personal finance tips and information. You will also meet some of the funny and sweet animals I look after, and see some of the wonderful views I enjoy.

I hope that it will sometimes be funny, it may be irreverent, could well be opinionated on other subjects other than the one at hand but I hope it will be enjoyable. Please interact with me. I love hearing from you and love suggestions and comments….positive or negative. Until later….

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There was an interesting article in the NZ Herald on Sunday.

This is my take on the subject!http://https://vimeo.com/124811703

I’d love your comments on this. Do you use credit cards so that you can get air points or other rewards?

For many solopreneurs or self employed people, the holidays are a time of less, interrupted or no income at all.

In this very brief video I explain how to set up a savings account, where money can be put aside throughout the year and is then available to access when your income fluctuates.

http://youtu.be/M0zw6QJ9BO8

How do you get through interruptions of income or other lean income times?

2215145_blogTwo weeks today ( here in NZ anyway!) we will probably have eaten or be eating our Christmas dinner and the shopping and hurly burly will be a distant memory….hopefully anyway!

Everything you read at the moment is reflecting on the life and death of Nelson Mandela. He was a wonderful man and one of my personal heroes. I remember having an interview at Bayer for a promotion sometime in the mid 80’s and being asked about someone I admired. I said Nelson Mandela. I was challenged on this because he was in prison and was often called a terrorist. (He was only taken off the US’s list of terrorists in 2008!) I’m not sure what my words were but I can remember my passion in delivering my defense of my choice!

I am a passionate rugby fan but my first ever protest march was in Christchurch in 1981, against the Springbok tour. I didn’t watch rugby at all for several years after that!

I am sad at his passing but very glad and grateful for his life and example. I cannot believe that I would have shown the same spirit of forgiveness and reconciliation if I had been imprisoned for 28 years!

Now  to the 12 shopping days left before Christmas! In my MMM of November 11, I gave you some tips about shopping for Christmas. If you haven’t finished your shopping, and I hope you have, relook at them.

This is a very stressful time and it is important to make plans for what you are going to buy and for whom and, of course, where and when! If you can, try and shop in the morning whilst you are freshest and the day is cooler. It tends to be less busy too. Also the earlier you shop on the 12 days the better. The closer to Christmas, the busier it is, the more tired and stressed you are and therefore more likely to spend more money just to be able to cross that person and gift off the list!

As always, I advise that you shop with cash. Debit or EFTpos cards are good alternative options. The reason for this is that you can only spend the money you have and have to stop when you run out! Not only do credit cards allow you to spend money that you don’t have, but research has shown, as I’ve mentioned before, that you spend 20% more when using a credit card as opposed to debit cards! If your spending plan allows for eg $400 for gifts and you spend 20% more, that is an extra $80. I’m sure, like me, there is a lot you would rather do with that $80.

Also try and keep yourself in the moment ie concentrate on what you are doing rather than thinking about all the other things that are on your list to do. It is safer. Yesterday, I wasn’t doing that and was crossing the road when cars started tooting their horns at me. It wasn’t the buzzer for me to cross but rather the other side one! Could have been messy!

Also by being in the now, you tend to be much more effective and things get completed more quickly!

Have a great week everybody and be kind to yourself! It is stressful and the more you can do to reduce that, the better for everyone. Stressed people can be rather cranky!

 

 

 

18665868_sIt’s confessions time. Whilst I don’t always know what I’m going to write on Monday morning I usually have at least some idea and sit down at 0630 do a bit of research and away I go!

Today, I was up at just before 6 as usual, but couldn’t move past watching the All Blacks eventually win against Ireland. What a nerve wracking experience that was!! Consequently it is now 8:30 and my mind is pretty blank! Tried to work in something about team efforts, team discipline, doing what needs to be done and team goals but let’s face it I don’t really send this to teams! But then I decided: what about if I changed it to all of those things for individuals!

So here goes!  Some key factors necessary to achieve any financial goals!

Goals! Yes first you need to set a goal or maybe several goals. What do you want to achieve, by when, how are you going to do it and what will have to happen for you to know that you have been successful? The clearer you can be on all of these points the easier it is to achieve them. They need to be so real that you can almost taste them. The All Blacks went into today’s game with the goal of beating Ireland so that they could achieve the record of going through the season, having won every game they played. It was going to be done today, achieved by playing better than Ireland and they knew they had achieved when, at the end of the game and the final whistle blew they had more points than Ireland! Yours need to be as clear as that.

Discipline. You need to be so focused on your goals that this is easy. You want what is at the end so badly that it is easy to keep yourself on track and not spend money on stuff that is outside the plan. If you do, then as soon as possible you straighten up and get back on track. A word of warning here:- Don’t make the plan so strict that you finally call quits and have a big splurge! Just as when you are on a food plan or the dreaded word, diet, it is important to not make it so strict that it is impossible to maintain for the time needed to lose the weight, so it is with a spending plan, or another dreaded word, budget.
Team work. Now this one is not always part of financial goals but it may be; sometimes more than you think! If you are in a relationship then it is important that you have goals that are inspirational for you both so that you are both motivated to stick to the plan. This goes for families too, especially if your children are old enough to understand what you are aiming for. They can then understand that not getting the latest X box is not such a hardship if it helps towards the bigger family goal of eg going to Disneyland! They are much less likely to be motivated by paying off the mortgage unless they can see the advantage to them!! The All Blacks are always very big on this…everyone is working towards what is best for the team.

Celebrate. When you have reached your goal be sure that you celebrate your success and make all the hard work worthwhile. Usually the achievement of the goal has a great deal of satisfaction inherent in it, but a celebration helps reinforce the positive side of striving for success. It reinforces the positive side of goal achievement and makes working toward the next one easier. Now I don’t mean blowing a hole in the credit card you have just paid off by going out and splurging on a dinner at the best restaurant in town accompanies by the best champagne and wines! Sort of defeats the purpose doesn’t it? It would be nice but something slightly more modest will still fit the bill! One would imagine that the All Blacks probably celebrated with a beer or two!

What goals are you focusing on at the moment? Are you well on your way to achieving them or are you having some struggles? I’d love to hear about your experiences and I’ll help where I can.

This is today’s Monday Money Motivator. Enjoy and have a great week.
http://eepurl.com/EcpIz

3 Money tips

July 11, 2012

My first attempt at Vlogging! Not an unmitigated success but you have to start somewhere! I did it, it’s up here and I’m proud of that.The advice I give is great and worth listening to. I will have to do something about the frown though!! LOL