My Steps to Creating a Basic Budget.

As the the Coronavirus pandemic continues, more and more people are struggling financially; with more people claiming benefits, the pressures of managing money has become even more important.

Setting a budget is vital in helping get through tough times; it won’t give you any more money, but it will give you clarity, even if the picture is bleak.  From clarity you can start to take action.

Budgeting can also give you a level of control, rather than the chaos of the snowball effect of closing your eyes and hoping for the best.

Taking responsibility for your finances can be quite empowering; you may still be struggling financially, but having a plan that you have created (even with help) will build your confidence and increase positivity. Read more

Dealing With Your Money Stresses; Part 2 – Understanding Money Blocks

When I ask people if they have a good relationship with money, the answer is generally ‘yes’ or ‘no’, however, the answer is never quite a simple as this.  Even when we think we have our money under control, the reality may actually be very different.

One of the key areas I work on with people is MONEY BLOCKS because everyone has them, the problem is they don’t always know it.

So, what are money blocks, and why are they so important?

Everybody’s relationship with money is different, and this is because everyones experience with is unique. Read more

Finance Gym – Feeling Good About Your Finances

A while ago, I was chatting on-line to a friend about their finances, and the conversation we had reaffirmed to me why I created my ‘Finance Road Map’.

The edited conversation went like this:

Friend (morning):  “Urgh!  Finally catching up on my accounts, which I have neglected appallingly for months.  Funny how just checking the running total in the bank gives you a sense that you are doing ok, and don’t need to bother.”

 Friend (evening):  “I got my accounts pretty much done! My goody two shoes goblin in my head wanted me to check through all of 2015 an 2016 as well! Thankfully there were no nasty surprises, and it’s engendered a new found determination to do them regularly; after all, one month only takes about 20 minutes if I just blooming well do them!” Read more

Are Bad Habits Holding Your Business Back?

“Winning is a habit.  Unfortunately, so is losing.” – Vince Lomdardi

In a world that is moving so fast, habits that were once good can soon become outdated and this is very apparent in finance and accounting.  A business is a living, breathing thing, and it has to constantly adapt to new technology and new legislation.

Companies will spend thousands on changing and improving the habits that seem most obvious, such as sales and marketing strategies, getting the latest software; anything that keeps them at the cutting edge so they can attract new business and retain customers.

Unfortunately this is not the case for the finance and accounts departments. Read more

‘You Got This!’ – Make Peace With Money

I assume that if you’re reading this blog, then you may have faced, or are facing financial difficulties.

I want you to know that you are not alone.  When my husband and I went to see our local bank manager a few years back, she told us that our level of debt was very common and that some people were in a lot worse position than we were in.  It wasn’t my proudest moment, but the bank manager was lovely, and we built a strong relationship with her and her team at Barclays Chiswick. Read more