Financial Fight Back Tip No.1

Sit down and re evaluate your monthly finances. Get all your bank statements, standing orders, bank transfers, Direct Debits, monthly receipts out and onto the table or wherever you have a flat surface to work from and input all the info into a simple form with two columns, with incomings on the left & outgoings on the right. Take care when listing everything, go through handbags, purses, pockets, safe places etc and get ALL receipts and outgoings listed.

Once you’ve got it all down on paper, you can see where you are over spending and where you can cut back. You MUST make your outgoings, less than your incomings!

Financial Fight Back Tip No.2

If you have debts, get help clearing them from a professional. As you now have all your financial information written down from Tip No.1-you have created control and awareness of your financial situation. Awareness is the first step to change and control is empowering. There are many agencies, organisations & advisors that can help you clearing your debts-call citizens advise bureau or local authorities for advice.

Financial Fight Back Tip No.3

Recognize any negative language you’re using regarding your finances and put ‘for now’ on the end of all your sentences. I.E: ‘I am in so much debt-for now’ ’I am really worried about money-for now’ This makes the situation temporary and therefore changeable. This will improve your mental attitude to a positive one-start practising straight away and keep on adding ‘for now’ to any negative thought, sentences until you no longer speak or think in the negative-Do it now and it will improve your thinking straight away.

Financial Fight Back Tip No.4

Now you’re ready to write out your financial goals, make them S.M.A.R.T!

Simple, Measurable, Achievable, Responsible, Timed.

So for example,

Goal No.1 – It is now 1^st August 09 – I have reduced my outgoings by £…, by cutting down on luxuries & only, ‘for now’, buying necessities in my weekly shopping.

Goal No.2 – It is now Dec, 09 – I have saved £200 in a savers account, via monthly bank transfer by putting in £20 per month from the £40 per month that I no longer spend on coffees at Starbucks.

Goal No.3 – It is now Dec, 09 and I have paid £20 per month into my utilities account from the money saved on my annual spend re coffees, which totals £200.

Goal No. 4 – It is now Jan, 10 and all my debts are consolidated and being paid off monthly, I have reduced my total debt by …. %.

Goal no. 5 – It is now March,10 and I am sitting in my debt advisors office renegotiating my payments & getting an even better deal that will reduce my total debt to zero by 31^st Dec,10.

Financial Fight back Tip No.5

Now that your financial situation is ongoing and improving, now ask yourself ‘What have I done in the past to make money?’ What is it that you can do ‘for now’ to increase your incomings? Have you got a talent/gift/currently unused career experience?

People will always pay for service in any financial climate-Can you take in ironing? Walk dogs? Shop for the elderly? Do online surveys? Do an online admin service? Book-keeping? Sell goods online? Car Boot sales? Childcare? Babysitting? House cleaning? Gardening? Car cleaning? Attic clearance, etc, etc.

Make a list-what can you do to make more money? Once you have identified what you can do for a further income stream, you can now put into action the steps required to achieve it & make it happen. I.e., Advertise – put flyers in local shops, talk to schools re sitting service, Talk to your local library to se if they have any ideas, leaflet drops to homes, sort out your attic, cupboards, garage for things to sell, set up an online account to sell your products – create an income stream, be creative, there is always something you can do to make more money-Act NOW!

Fight Back Tip No.6

Now, it’s time to firmly believe that this is only a financial set back and ‘for now’, that it’s only temporary.

Believe that your goals will come true because you have written them down (that task alone has been proven to make them actioned and achieved-so well done!). You have taken control of your situation and therefore your outcome.

Believe that you deserve to reach your goals, to create & have the life you really want. Visualise your ultimate end result and be grateful for it and everything else along the way, gratitude is a sure fire way to get what you want, because if you are grateful for what you have and appreciate it then you will attract even more towards you. Repeat a daily mantra to help your positive thinking even further, say something like ’I deserve prosperity and attract even more wealth & abundance into my life’. ‘Wealth is my birthright, I claim it now’ whatever it is that you can say over and over to build your wealth building, belief system. At the end of the day, the old saying ‘ fake it till you make it’ really is true, just pretend that you are attracting wealth & abundance & just keep doing it, until you actually are!

Remember:

‘You get what you focus on – so you might as well make it good!’

And:

‘You don’t have to get it right-just get it going!’

Take action NOW!

For further tips or info on anxiety reducing techniques, Call NOW on 0845 474 5615 or email at info@paramountcoaching.co.uk

Silly question right?

Here are 7 easy ways that you can be happier, just make one simple change a day and in just a week you’ll notice the difference in your life.

There no right time/day to start being happier so just start the plan when you read this, no need to ‘wait’ for tomorrow, as tomorrow never comes, does it.

You will have a small change to make in the 7 areas of your life over a week, it’s that easy!

1st Day – Friendships

Be honest and open within them. If someone drives you nuts by an annoying habit, either decide to ignore that small element of them and just accept them or tell them (politely) it drives you nuts and could they make an effort not to do it when with you in the future.

Write a list of all the people that you have in your life and list next to them all the positive qualities they bring to your life-even the grumpiest of people bring you something to be grateful for-even if its just that you haven’t inherited their bad temperedness!!

By focussing on positive qualities our general perception will change for the better, if by writing this list you then want to share with the person how they positively impact on your life, then all the better!

Day 2 – Appearance

Again, perception and focus is key here. Today when you find yourself saying/thinking ‘I hate my hair’ ‘I am too short’ for example, say silently to yourself ‘STOP’ and focus on something you like instead. i.e.: ‘I have expressive eyes’ ‘ I have strong legs’ – change your focus and change your thinking. If you are practising this and find it difficult then take 3 deep breaths and start again. A walk in the fresh air, whilst you think about your attributes is a winning combination. Writing a list of your assets and putting it into your purse, pocket etc, to look at as often as possible is also a very positive action and will create fast and lasting results in how you perceive yourself raising your self esteem and happiness.

Day 3 – Self Confidence & Esteem

Play and pretend – that’s the key! Act as if you’re happier and you’ll fool your unconscious into thinking you are and then you actually will be! Put a smile on your face and look up-it works!

If thee is someone who makes you feel unconfident, picture them in your mind, imagine making the picture half the size, give them animals legs and maybe blue hair and massive glasses, if there are noises in the picture then for example, make their voice sound like Mickey mouse or something silly like that, then just imagine your eye lids are a camera and blink to save this picture in your mind so anytime in the future you think of them , this is the image you get – they don’t seem half as bad when they look like this! If it’s a situation, do the same but make the picture smaller, black and white and take out all noise completely.

Posture is great, walk tall, head high, eyes ahead, walk with purpose-if you act like you’re confident you will soon be it – fake it till you make it!

Write a list (another one) listing all the things your good at, what motivates you, what you enjoy and reasons to stay motivated to even more happiness and stick it up where you can read it daily.

Day 4 – Stress

Eliminating self appointed pressures, like not saying no and taking on too much will ease your stress & tension, also taking 5 minutes breaks where you just have ‘me’ time i.e. stand outside and just watch the skies, take deep breathes, listen to your favourite song without being interrupted throughout the day will enhance your happiness. Get out and about in nature, ideally go for a half hour walk daily but even if it’s only 5 or ten minutes twice daily, do it and feel the benefits.

Day 5 – Relationships

The happiest people are the people who feel their network of people are authentic and trustworthy. Trust is built by doing what you said you would, by keeping your promises. Think before you promise something, its better to understate and over deliver, than to disappoint.

Think of the things you like doing in your relationship and plan one of those into each day.

Think about what it is that you need in your relationship to feel happy and make a list! Read it thoroughly and ask yourself the question do I really need ……. to be happy? Often its generosity of time not money that’s more important. Think about where you can improve things, even small steps will make a positive difference. I.e. you want to spend more quality time together, arrange at the beginning of the week, when you can have ‘together’ time, it doesn’t have to be a night out, eat later together when the kids are in bed or arrange for thru 8-830 to be no TV, just music and you time. You get the idea!

Day 6 – Career

Stop being a perfectionist, as all you’re doing is focussing on what’s not perfect, this causing dissatisfaction and feelings of failure. Write a to do list and prioritise them into A B C tasks and then work your way thru the list, the only rule is that you only do B’s when all A’s are completed and you only do C’s, when all B’s are done. This not only creates a habit of success but it also enables you to recognise you achievements along the way. A’s are ‘have to be done now’ B’s are ‘Great to get done now but can wait’ C’s are ‘to be done at some point’. Look at the tasks and see which ones can be delegated, remember when delegating, leave the task for the person to do to THEIR best ability.

Make a list!!    Write down everything you like doing, your interests, your skills/talents and then see how they match with your current career, would a role change make you happier or a complete change-having awareness will enable you to plan your next move for your future, this will give you control and make you happier.

Day 7 – Reflect

Take a good look over what you’ve achieved over the last week and at the easy changes you’ve made for a happier and more positive future, NOW commit to continuing your life changing positive actions in the future.

If you’d like to take things even further and create even more positive changes then contact Loran Northey on 0845 45615 or info@paramountcoaching.co.uk and book your personal coaching session.

If a lack of money is causing you anxiety and you want easy to follow money making/money saving ideas & techniques, click on the following link and start changing your fortune, NOW!

http://more-money-to-spend.com/