There are few things worse than lying in bed at night, tossing and turning over financial stress. Lack of sleep only adds to our stress and hinders our overall mental, physical and emotional health! Our money choices are linked to our life choices, and our life choices are linked to our money choices. This means that we have to find ways to reduce financial stress if we want to actively and intentionally manage our overall stress […]
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A powerful mental trick to master the markets
If someone is selling something, their primary goal is most often to convince you to buy what they’re selling. If you follow financial accounts on social media, your timeline is likely crowded with people touting the next big winning investment. As we look back on market history, there is an obvious attraction to finding the big winner – the tiny tech stock that turns into the next Amazon or the virtual coin that makes overnight millionaires. […]
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Terms in your last testament
If you are considering a review of your last will and testament, or your estate plan or trusts – here are some words on which to brush-up. Terminology can help us bring clarity to our final wishes, but it can also completely confuse us. Whilst we always recommend working with a qualified professional when drafting these documents and final plans, we also want you to know as much as possible to make informed and intentional decisions. […]
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How to nurture financially savvy kids
In 1988, financial planner and best-selling author Venita Van Caspel wrote in her bestselling book Financial Dynamics for the 1990s: “Our educational system continues to send forth our young with so little information about financial matters that they are like time bombs about to destroy their own and their families’ economic futures. We equip them to earn good incomes and to live the good life, but we fail miserably as a nation to prepare them to […]
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How does the stock market work?
The fastest way to lose half of your money is not a stock market crash but a divorce, separation or a poor business decision (so it’s a good idea to make sure you’re on the same page with your partner when it comes to joint finances.) Many have felt disheartened by the stock market in recent times, especially with the historic GameStop trading fiasco. It’s easy to feel confused and assume the market is rigged against […]
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Trim the fat, not the meat – pt 3
In a recent series of blogs, we have looked at areas in our personal finances where we can either tighten our belts or simply become more aware of how and why we are spending our money. Our first blog considered how to trim the fat off our travelling expenses. With lockdowns in both our review mirror and on the road ahead, lifestyles have changed, and our behaviours have changed. With these changes come changes in our […]
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When the opposite is true
There is a thin veneer over everything. When we are distracted by news streams, overwhelmed by direct messaging and tired from keeping up with the Joneses, it’s easy to create a veneer that allows us to store and process more information without having to delve deeper into what’s actually going on beneath the surface. It’s here that paradoxes are formed, and we can miss out on value when we aren’t able to dig deeper and find […]
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Is anchoring holding you back?
One of the challenges of financial planning is its complexity. Not only is it mathematically layered, but it’s also fraught with bias and emotional influence. For most of us, we only scratch the surface of about seven areas of financial planning and allow experts to make recommendations and decisions that will hopefully create a better financial position for us in the future. When it comes to investing (just one area in about seven), there are loads […]
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Wills and Estate Planning – Did You Know?
If there’s one thing we need to ensure when creating and reviewing our last will and estate plan, it’s that accurate and complete information is critical. The more clarity we can bring to the documents and the legal processes that rely so heavily on them, the greater our peace of mind. Whilst not all financial advisers are qualified to draft or execute a last will and testament, they can assist with estate planning. It’s always advisable […]
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The miracle of Meraki
In every culture and creed, there are traditions and philosophies about how to experience the best that life has in store for us, whilst overcoming trials and tragedies. From mindfulness to healthy eating, from exercise to stress management – we are often reminded that what we put in is what we get out. Somewhere, in all of these pragmatic approaches, we can lose sight of the meaning of what we’re putting in, and become focused on […]
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