Have you ever found yourself waiting for the “right time” to tackle a difficult task? It may be a complex conversation you need to have with a partner, a looming deadline, or simply opening an envelope from the tax people that you have moved from one side of the desk to the other for a week. We often tell ourselves that we are waiting for motivation. We are waiting to feel ready, energised, or confident before […]
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Break the cycle: why it’s time to talk about money
For generations, families have carried financial stress in silence. Conversations about money are so often still avoided, shared in whispers, or shut down entirely. Sometimes out of shame. Sometimes out of tradition. Often out of fear. But what if we could change that? What if you could be the generation that stops the silence and starts the conversation? Because here’s the truth: secrecy breeds anxiety, not security. And when we don’t talk about money, we don’t […]
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Plan responsibly and still live beautifully
There’s a myth that responsible planning means sacrificing joy. This myth often has people believing that if you budget, you’ll feel restricted. If you invest, you’ll have to wait forever. If you plan ahead, you’re not really living in the moment. But what if the opposite is true? What if responsible planning is the very thing that allows us to live beautifully, with intention, freedom, and peace of mind? Responsibility is not a restriction. For some […]
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Guilt trips and fear traps
If you’ve ever said yes when you wanted to say no, put off a financial decision because it felt “too late,” or made a big purchase just to silence a little voice inside your head… you’re not alone. We all have similar stories. Guilt and fear are powerful motivators. But they’re rarely good guides. In financial planning, they often show up disguised as urgency or obligation: “I should have started saving earlier.” “I have to invest […]
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Alignment over excess
When we talk about happiness with our family, friends and colleagues, it’s easy to fall into the trap of assuming that more is always better: more money, more options, more security, more stuff. But the truth is far gentler and far more powerful. Happiness doesn’t come from having more. It comes from being aligned. That means alignment between our values and our goals. Between priorities and lifestyle. Between what we’re chasing and what actually matters. Whilst […]
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Flexible, practical, and resilient
Here’s how strong financial plans really work… It’s so easy to fall into the trap of talking about financial plans as if they’re written in stone, neatly laid out, precise, and permanent. But in reality, the best financial plans are anything but rigid. They’re designed not just for ideal scenarios, but for real life, which is why they need to be robust enough to weather market turbulence, flexible enough to adapt to personal changes, and practical […]
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PTBS isn’t BS
It hardly bears repeating, but money is emotional! No matter how hard we try, we inevitably move from scanning spreadsheets to stressing about security, survival, self-worth, and status. So when something goes wrong, a job loss, a business failure, a debt spiral, or a traumatic period of being “flat broke” — the impact isn’t just practical. It can be deeply personal. Post-Traumatic Broke Syndrome, or PTBS, is a term gaining traction to describe the lingering psychological […]
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Does stillness feel strange?
When was the last time you just… stopped? Not to check your phone. Not to plan your next move. Not to squeeze in one more errand or scan your to-do list. Just… stopped. Stillness can feel foreign these days, like something reserved for a retreat or a rare weekend escape. But more than ever, stillness is essential. It’s not a luxury or an indulgence. It’s one of the most powerful tools we have to reconnect with […]
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When your goals change… or chase you!
Have you ever set a goal, or set of goals for yourself? And… when life changed and those goals were no longer relevant or attainable, what did you do? One of the most underrated challenges in financial and life planning isn’t setting goals… it’s managing them when life changes! We’re often told to set smart, measurable goals and stick to them. And that works… until life throws you a curveball. A new job. A health scare. […]
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The costs of cancer
A cancer diagnosis is more than a medical event. It touches every part of life; physically, emotionally, spiritually, relationally… and financially. No one wants to think about money when facing something as deeply personal and life-altering as this. But the financial implications of cancer are very real, and often, they catch people off guard. The truth is, the cost of cancer goes far beyond treatment. It includes loss of income, travel to medical appointments, home adjustments, […]
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