Financial Planning for everyone

Hooray, we are at the pointy end now. Well done.

My wish for you is that you have discovered some things along this journey that will help give you the confidence to keep going. Now that you KNOW YOUR NUMBERS you can definitely CONTROL the majority of them and when (and there will be a ‘when’) things go haywire, you will be able to refocus on what you need to do, to get out of the situation. You will be able to move forward and rebound fast as you are BUILDING your numbers to Wealth for you and your family … for FUTURE U!

I am proud of you and me for getting this all down on paper 😀 … a pat on the back all-round!

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Investing for FIRE

This post has been the hardest to write as there are so many different ways to building wealth. I have been thinking that there are many similarities to working towards having a healthy lifestyle at this step. The foundations of both these goals are pretty generic. Know what you put into your mouth, or in our case what you spend (Step 2-4). Understand where we are at with our inner health and current weight, or with finances, knowing what we have to work with, ie, our Networth, debts, and our possible surplus each month.

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Personal financial strategies

Let’s get excited. Well, you can fake it for now and I assure you, you will be later! This is where we start putting the plans and information into action.

It’s kind of like what they say in the building industry – “measure twice, cut once”. A lot of our work so far has been in preparing, collating and reviewing. Now we will start putting some steps into action to lead to building wealth and financial confidence.

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How to reduce your debts

Thank you for coming along on this journey. The last 4 weeks have all been about Owning your Numbers and allowing your mind to think about your past and current journey. Having these details in black and white and down on paper is such a tangible thing. It allows this information you have written down to swim around in your mind and also attract what you are thinking about. Like if you are thinking of your car insurance and how to best get this expense down you may start seeing insurance ads or you overhear people at work talking about insurance. Take note and ask around or call to see if you can reduce your expenses.

Curious to know what this week’s task is?

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Glad you are still following along. This is the last step for the foundational phase of Finance 4 U. This step will wrap up the start of the process. Once you know where your money goes and how much you can bring in, it will help you focus on THE NUMBER.

I call this your LIVING NUMBER. To live the life you have carved out for yourself at the moment, these fundamental numbers give you a guide or starting point to move to the next levels of your money management. You are the CEO of YOU … always remember that!

Let’s do this!

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How to work out what your debt is

In this week’s tasks, we are going to look at all the debts we have. Because we are in the collation stage, I would like you to write down on a separate page each loan you have. This could be a home loan, car/boat loan, furniture, credit card, and family/friend loans. The intention of one debt per page is that we will be going back to these in the next phase to Review, Reduce or Remove. More on this later.

So for this week, only write out each debt and some pertinent details relating to these debts.

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Creating a budget

Okay, are you ready? 😊

Last week the task was for you to source an exercise book or notebook so that we can get started on your money journey of Owning your numbers, Controlling your numbers and Building your numbers.

We are going to use some good old fashion methods. If you have already been on your money journey, this series can help remind you of some expenses that may have crept up, or help you tweak your numbers. I will also be working alongside you.

As we move along the SERIES I will explain and cover lots more about building wealth, but for now, we are working on Owning your numbers, slow and steady whilst you are busy living. 😊
I AM …

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Finance 4 U_Step 1

I am excited to share this with YOU and I hope that you join me on this journey. Whether you have your budget/expenses/finances already handled, or you just cruise through each week and each month, OR even if you have your head in the sand …😊 I would love to help guide you through with some good old fashion foundations and then get into the FUN stuff… you may not think it can be fun, but trust me when I say this, when you have a plan and you are ticking off achievements and there are fewer surprises/expenses coming your way, you will feel at peace. And even occasionally have a little happy dance! 😊

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Finance for You Series

I am excited … this has been a goal of mine for so long and I am thrilled to finally get this out of my head and down on paper/virtual paper!

My intention with this series is simple. Work through the basics of your finances and then, when the foundations are under control, start building wealth for your life and your family. Some of what I will share is simple and perhaps a little ‘old school’. Some ideas will relate to food (more on that later) AND I know that there are perhaps more efficient ways to do this, but to get to know your finances, I believe you need to become really intimate with them …

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