Reader, It's 2024! We made it. Take a look around; it's clean slate time for you and a new look newsletter for me! With this shiny new clean slate, it's time to get rocking on the year ahead. I'm recommending razor-sharp focus. The single most important power move when dealing with money is being CLEAR. By this, I mean that you are deeply precise and clear about the following: What are your goals? What do you value? The practical steps to get you there. Who do you want to be? Whenever I...
over 1 year ago • 2 min read
Reader, Christmas is just around the corner, and it's hard not to spend money like it's going out of fashion. It's even harder to find the time to catch the little leaks that drain us over time. In our era of instant gratification, the world is at our fingertips. Subscriptions have thrived, sorting out all the problems we never knew we had with the click of a button. At best, they are cost-effective saving graces. At worst, a forgotten impulse buy, draining our hard-earned money. Before we go...
over 1 year ago • 2 min read
Reader, Last week on Instagram, I revealed a huge secret. It is one of the biggest secrets to my success to date. It's one I lean into most when it comes to money. It kept me motivated and on track even when I was in 6 figures of debt (thank you, last Recession!) and working my way back to zero. This same secret got me to where I am today: financial security. I will be my own wingperson as I reach for financial freedom. That secret is the differentiation between goals and systems. Harnessing...
over 1 year ago • 3 min read
Reader, Sinking funds: dull and only for the frugal budgeters of this world. What else is there to say? Unless, of course, you recognise either of the below images: Image 1: Not Reality, even though we pretend it is Image 2: Reality, in all its messy glory If your money life feels like a rollercoaster, swinging between feast and famine, and you don’t subscribe to sinking funds, this might be the read for you. Break Free from the Feast or Famine Cycle The Financial Rollercoaster Tip 1:...
over 1 year ago • 3 min read
Reader, Let’s play a game. When you think about what a millionaire’s life looks like, what comes to mind? Would it be daydreaming about mansions, fancy cars, and jet-setting adventures? The glossy lifestyle of the rich and famous, the bro culture of the masses. We’ve been sold this materialistic caricature of a lifestyle and made it look like the ONLY way to be a millionaire. But really, when you look at this lifestyle, while it may seem like a bit of fun for a while, that is short-lived....
over 1 year ago • 3 min read
Reader, Burnout is something that is so common in our modern, fast-paced world. I’ve hit the fabled burnout not once but twice in my career. It’s a tough place to be, and I don’t wish it on anyone. After recovering from the second burnout, I saw a pattern: where there are patterns, there is awareness. Where there is awareness, there is an ability to change. Once I realised this, I promised never to let that situation arise again. It hasn’t and I truly don’t believe it ever will. A thought for...
over 1 year ago • 2 min read
Reader, Wealthy people are the same as the rest of us; they just got lucky. I don’t think so. The wealthy approach their goals and mindset from an opposite direction to the average person on the street. It's a small 1% change with an outsized game-changing impact. The 1% difference of the wealthy Laser-focused Goals: Wealthy people know their goals. They know what those goals are right down to the last detail. They have specific amounts, time frames and achievable steps to get there. They are...
over 1 year ago • 2 min read
Reader, Budgeting is mundane, time-consuming and sucks a little of our soul each time we think about it. We all have way more fun things to do with our lives. Hasn’t a new show just dropped on Netflix? Surely, there is a freshly painted wall that needs watching or random defacing of kitchen ingredients? Photo by Tengyart on Unsplash Even the word budgeting sounds like it begins with a But - that’s never a good starting point for anything! It’s a shame that such a critical piece of our money...
over 1 year ago • 2 min read
Reader, Alice: “Would you tell me, please, which way I ought to go from here?” The Cheshire Cat: “That depends a good deal on where you want to get to.” Alice: “I don’t much care where.” The Cheshire Cat: “Then it doesn’t much matter which way you go.” Mansi Gujarathi Unsplash The Cheshire Cat was onto something when it came to results. More specifically, that subsection of results we like to call goals. Thinking we can drift along without a destination, hoping to stumble upon wealth, is akin...
over 1 year ago • 1 min read