How to invest in yourself!

So back at Radio Verulam today with the Gorgeous Danny Smith and I was inspired to chat about ‘investments’ by Curly Headed Boy.

It’s spring time, maybe you need a fresh look at your life and a bit of an overhaul?

The question is how to invest in yourself?

Money Saving.

Money Saving Tips

Money

We are quite strict that even from pocket money, our kids have to put something aside.  It’s just so that it becomes second nature to them and eventually when they start to earn money, they naturally expect to be putting a minimum of 10% away.  Otherwise, his head will be automatically working out how he can spend every penny.  Instead, he will automatically assume that some money goes into savings.

It’s not about how much money you earn.

Its about the amount of value that you get from it.

And how much money is left at the end of your month!

As he looks like he would prefer a creative career, he is going to definitely have to manage his money really well to weather the highs and lows, as it’s unlikely to be consistent.

Yes, he might be really successful, but it might not be long term, or he might get one big windfall, that he could blow through really quickly.  In fact we had an award system, where he earn’t quite a lot of money, and what inspired this post was that he agreed to put 50% of it away into savings.

Imagine if you’d put aside all that money since you were a kid?  At 45, I’d have a lot more going on!  Women need to be especially aware of the fact that we have a tendency to not prioritise our pensions ahead of the needs of our relationships or families.

If you would like to start, but can’t afford 10%, just work towards it.  £5 is enough, as it’s a step in the right direction.

Try to create 2 different savings options:

1) Savings forever (not to be touched apart from investing in houses/education)

2) Savings for fun (don’t pay for Christmas and holidays afterwards when the fun is over)

Check out the rest of my money saving tips here.  I have no doubt that they’ll help you out of a financial hole, make sure that you have more value from the money that you spend, and help you to be financially healthier.

 

Your Health

green and red healthy food

This should actually come first in my opinion.  There’s no point in saving money if you don’t have a good quality or long enough life.

I know that things happen, and we can’t plan for everything.  But there is no doubt that your quality of life will be better if you drink water, eat healthily, and exercise.

I like to focus on being HEALTHY, then FIT (no point in being fit without health), and STRONG (which means toned and tends towards slimmer).  Check out all my tips on how to get healthy without dieting or killing yourself with exercise.  It’s so easy to try to go for a quick fix, but we all know THEY DON’T WORK!

Then you need to remember that everyone needs downtime, otherwise the levels of cortisol (stress) just get higher and higher and higher.  That affects your immune system and leaves you open to illnesses and diseases, like my Fibromyalgia.  I know you will get stressed again.  But there will have been a dip, and that is what is important.

Remember, that it’s not selfish to take care of yourself!

 

Your Mind

Great books for mums

Books, books, books …

Have you heard the theory that if you spend 15mins extra a day learning something, then you will overtake your 99% of your peers within a couple of years?

That’s how I did so well in IT.  I wasn’t a natural at it, but I studied every night, and within a few years they’d forgotten my initial struggles.  Eventually I became a global guru – crazy!

You see it at school every day with kids.  The teachers nag parents to read once a night with their children, just for 5-10 mins.  It sounds like so little, that it’s easy to drop.  However, 3-4 years down the line, it’s really obvious which children did or didn’t get that time.  (I know that parents are often busy and it’s not always easy to fit in time with the kids).

However, as old readers will know, I’m not sure about the idea of pushing yourself to pay for a private education, as I’m not convinced it always pays off.  Hence we moved Curly Headed Boy from private back into the state sector.  So don’t assume that education has to cost lots.  Mind you, him being so keen on dancing is a bit of an investment!

I see it as an employer all the time.  Those in my team with a passion for learning are on Youtube and keeping up to date and improving constantly.  The others are just fine, but they don’t do as well and naturally don’t attract as many customers.

It doesn’t have to be a huge amount of time.  Just lots of little consistent bits, is what adds up eventually.

 

Your Community

Charity Shop Finds

Butterfly Sparkles!

I must admit that I believe that what you give out you get back.  If I smile at people, I tend to mainly get smiles back.  There are a few grumpy people, but the smiles I get back cheer me up.  It’s not any extra pressure on my day to make this little effort, and I get rewarded in bucket loads.

The same goes for ‘paying it forward’.  I don’t believe it’s right to be a martyr, or give so much of yourself that you damage your health and family.  But our community is important, and there are always things that you can do , however little.

Maybe it’s in helping to spread the word about a new small business on Facebook?  A simple share of one of my posts for Espiritu, is amazingly helpful.  I have lovely clients who regularly mention us whenever someone asks for a local hair/beauty salon or Spa.  I’m really lucky, so I like to help out other businesses where I can.

Perhaps you support the local charity shop where you can by buying from there and giving them things that you are finished with.  I’ve made amazing purchases in charity shops in the past, and my kids love them.  There was a really interesting post though over on a friend of mine’s blog, where she was feeling guilty about wanting to sell some more expensive items.  No you should never feel guilty – it’s not right to put yourself in trouble.

Or maybe it’s helping out at your kids school a couple of hours a week if you have the flexibility?

Remember, you don’t have to solve a WHOLE problem – that’s what often stops people from helping out, donating or volunteering.  Just help a little – and all the little bits add up.

 

What else?

What do you think that you should invest in?
What have I missed out?
Friendships? – I kind of fit that in with community, but many invest much more in their friendships.
Clothes? – I recently bought some clothes, as there is an expectation that I look a certain way for work, but I’ve never bought anything outrageously expensive, as I’m way too tight fisted.
Relationships? – So difficult to juggle with a family and kids, but they can last a lifetime, so worth investing in.
Houses? – With all the changes in our economy, maybe it isn’t a priority anymore to invest in bricks and mortar?
Watching TV – there is social side to this, where you can feel left out if you don’t know what’s going on!

How, why and what on earth is ‘Loving yourself’?

Is it possible to have romance and kids?

I was on the radio tonight with the ‘Gorgeous Danny Smith’ on his Drivetime show on Radio Verulam (you can listen again for a week here – monday 5.30-6pm), talking about ‘Self Love’. It’s a bit cliched maybe, but also really important, and something I’ve been thinking about and wishing a few of my friends would practice more this month. Why Bother?

A hug

First off, I need to explain to you why it is so important to you and to the ones you care for, and your success that you love yourself. 1) Healthy relationships – when you don’t love . . . → Read More: How, why and what on earth is ‘Loving yourself’?

New Life Resolutions

By now most of you guys will have started and stopped your New Year Resolutions. Never fear; that’s perfectly normal!

January is a time for reflection. March and September are the time for new resolutions.

But I was thinking after seeing a funny YouTube video, getting a bit down about the state of the world, and after a team meeting at Espiritu, what 3 resolutions would make the biggest difference to this world of ours or more importantly mine 😉

So I thought I’d chat about it with the ‘Gorgeous Danny Smith’ on his Drivetime show on Radio Verulam this month. (You can . . . → Read More: New Life Resolutions

Why Pampering Is The Best Present You Can Give

Pampering – it’s one of the best presents you can give YOURSELF or your loved ones!

It might sound a bit ridiculous for the owner of a Hair & Beauty Salon and Spa to say this: But I hadn’t understand HOW important it is until recently.

Now Danny Smith at Radio Verulam is a big fan of a pamper, so I thought I’d chat with him about it, about how under-estimated it is. People think of it as a treat – whereas, I’m beginning to understand that it’s essential.

If you missed us, you can listen again for a . . . → Read More: Why Pampering Is The Best Present You Can Give

What to do if your job or business don’t seem to be doing well?

Fur Monster

So I’m back with the gorgeous Danny Smith on Radio Verulam – thank goodness he keeps asking me in, otherwise I’d never get around to blogging.

Check out all my previous posts in the run up to Christmas if you need tips on what to buy, how to afford it or how to deal with the stress of it.

This time I thought I’d look at a slightly different side to Christmas; the stress of someone in a job that isn’t going well, or a business that needs a big improvement, especially when you know that ‘Christmas is coming’, along with a pile . . . → Read More: What to do if your job or business don’t seem to be doing well?

Top Tips For Getting A Job Or Keeping A Job

Look at things

Last month I chatted through top tips for starting a business or finding a business, so this month the the gorgeous Danny Smith on Radio Verulam I thought I’d talk through jobs for those that I put off starting a business 😉 I know that with Christmas coming up there will be lots of job opportunities, and then afterwards, some lucky people will get the chance to stay, so I thought that tips put together from 13 years of working in IT, 15 years as a therapist and a year as an employer might help!

(Please do let me know if they help – I’d . . . → Read More: Top Tips For Getting A Job Or Keeping A Job

How to start your own business?

Wow it’s been a while! Sorry about that – this business malarky is taking up a lot of my time. But as I’m popping back in to speak to Danny Smith on his Drivetime show for Radio Verulam, I thought ‘maybe I should start blogging about what I’m doing’?

I saw a mum on Facebook the other day asking for advice on starting a business, so I thought that having worked for myself for the past 15years, I’d give some tips on starting your own business.

There are lots of different types of business. For some reason I feel that Espiritu . . . → Read More: How to start your own business?

Do you feel unappreciated?

I’ve come across a few people feeling unappreciated recently, so I thought I’d give some tips on how to deal with it. As poor old Danny Smith on Radio Verulam is considered one of St Albans’ hidden treasures, I thought I’d go through them on his Drive time show.

Fancy listening to our dulcet tones? You can listen again here.

Do you feel unappreciated? Is it at work, at home with the kids or with your friends/partner?

The good news about feeling unappreciated is that it can be dealt with pretty easily ……

 

Tip 1: Have you told anyone?

To . . . → Read More: Do you feel unappreciated?

Anger – what the hell is it all about?

Frustration and anger

I was chatting with Curly headed boy the other day, as he’d been giving us some serious attitude for a few weeks. He was clearly angry with me, but I couldn’t work out what on earth was the matter.

So I picked one of those evenings – you know the ones when they want to chat lots, and talked him through anger and explained what it is.

The problem with anger, is that most often it comes from us not actually knowing how we are feeling and what has triggered us. So it often doesn’t achieve what we really need. By understanding it a . . . → Read More: Anger – what the hell is it all about?

18 Months On From My Diagnosis With Fibromyalgia

Lowchens and children

content

 

I’m so sorry, it’s been sooooo long since I wrote about my Fibromyalgia. I feel especially guilty having been selected as one of the Top 16 Fibromyalgia Blogs worldwide. I totally meant to blog as I went, but it just didn’t happen.

But I have GREAT NEWS, so maybe it’s been more important that I focussed on myself for a while.

I hope that the information below really encourages people with Fibromyalgia or other similar syndromes, to keep on. For the first 6 months of trying things, it really felt like I didn’t make any progress at all. But . . . → Read More: 18 Months On From My Diagnosis With Fibromyalgia