What is your money story?

In looking back on what I learned about money as a child, and how I began to relate to it, I see now that I developed some very negative and unhealthy ideas about money.

Holding negative beliefs will control how you relate to, attract (or repel) money, unless you address your relationship with money and heal your money story. 

Look back on your childhood and ask yourself “What did I learn from my family and childhood about how to view and relate to money?” Was it with power or weakness, secrecy or openness, shame or pride, courage or fear, love or hatred, resentment or happy expectation? Who controlled the money and who gave up control? When you write out your money story from the beginning of time until now, you’ll see patterns that are alive today that are keeping you from embracing money as a positive energy form in your life. 

What is your money story, and how is it holding you back from a healthy relationship with it?

Welcome to 2019!

How to thrive in 2019 : set intentions instead of resolutions

Each year we are encouraged by society and tradition to set our New Year’s resolutions. It’s a time that is supposed to be filled with new hope of making things different in the coming year. However, if you are like most people you aren’t a fan of setting resolutions. In theory it is a good idea, albeit it leaves many people feeling like they have failed by the time February 1st rolls around. I encourage you to set intentions for 2019 instead of resolutions.

Unlike resolutions, intention setting focuses less on goals and more on the journey which leads to certain outcomes.

How to set intentions:

  1. Spend time in self reflection and understand your ‘why’ – your intentions will only matter to you and come to reality if its something that truly matters to you, these needs to align with who you are, take the time to understand what these are and why they are important. What do you want your life to look like and why? What would it be like if things come to be?
  2. Create a statement of your intention – by writing a statement around your intentions will help you focus throughout the year, your thoughts hold a lot of power over what outcomes you will experience;
  3. Release your self doubts and negative beliefs – Again, your thoughts are all powerful, work on releasing any doubt or negative thoughts about your intentions. Let go of the past and remind yourself you are focusing on intentions;
  4. Allow your intentions to guide your plans – once you have determined your intentions, set the actions you want to take to achieve these, by using the intention as a focus allows you to keep going forward even if you have trouble realigning to the changes or action you are working on incorporating in your life. Change one behaviour at a time, behaviours develop over the course of time, therefore changing behaviour takes time;
  5. Get ready for 2019! Whilst 2018 might not have gone the way you wanted, remember to celebrate the successes of 2018, by doing this, goes a long way in building self confidence and spurring you on to further action. Having someone to share your struggles and successes with makes your journey easier and less intimidating. Remember to ask for support – accepting help from people who care about you helps to strengthen your resilience and manage any associated stress.

Remember, the difference between success and failure is spelled as ‘intentions’!

What is Christmas?

With so much pressure in the lead up to Christmas, for many of us Christmas Day itself can feel as though the magic and joy can become lost or forgotten.

This quote by writer, Agnes M Pharo encapsulates the sentiments and brings it all back for me:

What is Christmas? It is tenderness for the past, courage for the present and hope for the future.

It is a fervent wish that every cup may overflow with blessings rich and eternal and that every path may lead to peace.

Wishing all fellow travellers on this path of life, a peaceful and fulfilling Christmas, may you each make special memories of joy and laughter in the moment which is Christmas.  To you and yours, be healthy, happy and safe.

Best wishes from Helen & the team at Encompass Wealth

Business update – Partnering with Fitzpatricks Private Wealth

There are some important changes within our business that we would like to share with you.  On 01 July 2018 we officially became authorised with Fitzpatricks Private Wealth Pty Ltd AFSL 247429 as our new licensee.

In our detailed evaluation over a number of months, we found that Fitzpatricks can help us to provide enhanced services to our valued clients.  We share similar values and goals and together this partnering will enable us to focus even more strongly on the advice needs of our clients.

Fitzpatricks is a privately owned, national advisory firm who provides licensing and support services.  Fitzpatricks was an early pioneer of fee for service advice.  The transition will help bring additional resources and strategy to our business and to you as a valued client.

We believe this is an exciting new opportunity.  You can learn more about Fitzpatricks here https://www.fitz.com.au/


5 Lessons most people learn way too late in life

It’s best to learn these lessons while you’re still young.

CREDIT: Getty Images

What are the lessons people most often learn too late in life?” originally appeared on Quora–the place to gain and share knowledge, empowering people to learn from others and better understand the world.

1. Perception is reality

It’s true. The way you interpret and understand the world directly affects your beliefs and the way you live your life. Perception creates bias as much as it creates understanding. It creates fear as much as it creates curiosity.

Do you want your reality to be narrow or vast?

Will the bliss that ignorance provides be sufficient, or do you need more?

The truth is most people want more. Even if it is on a subconscious level. Humans tend to trail blaze. From cradle to the grave, our society emphasizes the importance of education. Learning and discovering is what we do, but still it is increasingly hard to understand what you don’t understand.

So how do you learn to know what you don’t know? Start by asking yourself: What don’t I know? What do you want to learn more about?

Most importantly, understand that it’s OK to be wrong. In error there is growth.

2. Everything is temporary

Your good times are temporary and your bad times are temporary. So when you’re up, enjoy it, bask in it, and be grateful for it. And when you’re down, know you will get through it. Know that it’s not the end, and that it’s just a rough patch. Life is full of twists and turns, ups and downs, and surprises.

We forget that it’s about the journey not the destination.

There is a lesson in everything. I think it’s hard for a lot of people–especially young people–to appreciate life. Recognizing the full worth of your hardships and your blunders is key to appreciating the journey. It’s just as important to stay humble and be grateful for the joys life brings you.

Everything is temporary, so make the most out of all of it.

3. The importance of being present

“If you are depressed, you are living in the past. If you are anxious, you are living in the future. If you are at peace, you are living in the present.” —Lao Tzu

More often than not, we tend to worry about what’s to come, or dwell on something that’s already happened. While it’s crucial to care and consider your future, be careful not to let it hinder your present. Moments turn into memories. Enjoy the moment while you have it.

It usually takes a lifetime of piled up worries for a person to realize: Worrying isn’t productive.

Living in the past is equally unproductive. There are definitely benefits in being able to reflect on yourself and on your past. Paying attention to what you’ve been through and how that makes you feel matters. It takes a lot of emotional energy to grieve, process, and overcome.

The balance of being able to take time to reflect, and to prioritize your future while spending the majority of your day in the present, is beyond valuable, it’s life changing.

4. Do what you love, love what you do

There was a huge mosaic near my university in London that said that those words. I was grateful to walk past it almost every day and remind myself of the importance of loving your career and loving what you do. Your work is a considerably large aspect in your life that you dedicate yourself to. If you aren’t happy in your career, that unhappiness will seep into other aspects of your life. And while nothing is perfect, it’s important to work on yourself and position yourself to reach the goals and satisfactions you desire.

Most importantly: Invest in yourself.

This goes for your non-work life, too. What habits and hobbies do you want to stop? Which ones do you want to develop? It’s important to be conscious of the type of people and activities you surround yourself with. Information is like nutrients to your brain, be aware of what you are feeding yourself. Success isn’t one triumphant moment. Success is a series of moments (and choices) leading up to bigger moments.

You are the only person who can get in the way of living every day doing what you love.

Bob Dylan said it best when he said “What’s money? A man is a success if he gets up in the morning and goes to bed at night and in between does what he wants to do.”

5. Being happy takes work

The happiest people tend to be the ones who’ve worked the most on themselves. Being happy takes a lot of work. It’s just as much work–if not more– to be unhappy. So choose wisely. Being happy means at some point you decided to take control of your life. It means you decided to not be a victim and to put that energy back into yourself. Sometimes it’s hard, but you have to pull yourself up and push yourself forward.

Your lifetime is a series of developments and personal growth.

One of the worst things you can do for self-development is comparing yourself to other people. It’s easy to get caught up in jealousy and wanting what other people have. Especially with the way we interact with social media. You have to remember that people tend to show only the best parts of their lives on those platforms. It’s not fair to yourself when you see that and think “I want to do that” or “I want to look like that”. Not only does that distract you from being appreciative of what you have in our own life, it doesn’t provide any productive input to yourself. Most often, your perception of someone’s life is a fallacy. And even if it isn’t, focus on yourself. It’s your journey and your path that you should be concerned with.

Being happy takes practice. Whether it’s you learning to let go of your ego, or forming more self-loving habits…it takes practice. You only have one life, work as hard as you can to make it your best life.

This question originally appeared on Quora–the place to gain and share knowledge, empowering people to learn from others and better understand the world. You can follow Quora on TwitterFacebook, and Google+.

1 2