A reader criticized Ingram Pinn, the cartoonist, for daring to compare bankers, who earned their bonuses legally, with the illegal inflation of MPs expenses and the criminality of rioters.  However, when I saw the cartoon I immediately thought: “At last, somebody put their finger on it.” In my mind the common element in these figures is quite simply a lack of morals. (Oh, what an old-fashioned word.)

As far as I’m concerned, a bank which rewards its employees with cash incentives for giving credit to customers who may be already struggling (and punishes staff with a cabbage if they don’t meet their targets) acts immorally.  Whether it is legal or not is beside the point.  So does an MP who inflates their expenses, no matter whether they’ve “stuck to the rules” or not.  To my mind it seems that the rioters responded to that immorality with their own immorality in the only way they could to vent their rage and frustration.

Now this rage and frustration seems to be expressed in more constructive ways through the Occupy movement, and especially through the camp outside St. Paul’s Cathedral in London.  The Occupation might be illegal, for instance the Occupation of College Green in Bristol is trespass, but in my opinion it is moral. The Occupiers have been criticized for citing diffuse causes.  Yet, I see the common thread: morality,  because I think most of the causes they cite are based on immoral practices and ideas.

But it seems that the message is finally getting through.  Ingram Pinn published another telling cartoon in the FT.

On the very same day professor Ken Costa (former chairman of Lazard International, “one of the world’s preeminent financial advisory and asset management firms”) wrote in the FT (http://dld.bz/awCkA): “Despite the diffuse agendas, one theme clearly unites them: the conviction that the capitalist system is fatally flawed and past its sell-by date.”  He believes that “resentment at asymmetrical rewards and risks is … justifiable.”

Professor Costa goes on to say: “The cure is not more legislation, or increased regulation.  It is the pressing need to reconnect the financial with the ethical.  Free markets … do not exist in a moral vacuum … they need somehow to be nurtured and sustained by a moral spirit …  Ultimately … economies cannot function and societies cannot flourish without mutual trust and respect, or without fundamental honesty and integrity.”

I can’t put it better than that.  The whole thing reminds me very much of the events in East Germany in 1989, when increasing frustration and resentment with the immorality of their leaders brought more and more citizens into the churches to join the Monday prayer meetings.  Initially their prayers and concerns where just as diffuse as they ones of the Occupiers until they gradually turned into demonstrations and the one cry: “Wir sind das Volk (We are the people).”

I hope that the protesters will be able to create a similar common call to bring about real change and a return to the kind of morality which truly reconnects the financial with the ethical.

Sanni Kruger helps people become competent and confident money managers who live within their means without stressful money concerns.  She supports her clients in creating systems that enable them to reduce their debt whilst building up savings, as well as clarifying their desired long term vision and learning how to expand their resources to reach it.  What makes her approach “holistic” and different from other budgeting advice is that it is needs, and to a certain extent, conscience led rather than money led.  Sanni has written a book on the subject, “Making Friends with Money – How to start feeling wealthy without waiting till you’re rich”.  The full-colour illustrated workbook is available from http://www.holisticmoneymanager.com/self-help/.

I still remember when, as a small child, I learned that having one silver coin is more valuable than a handful of coppers, and that a single banknote would be more valuable still.  I learned to distinguish their weight and size, their appearance and their different sounds and thus create associations in my brain.

Gillian Tett of the Financial Times  quotes Satyajit Das, author of Extreme Money as saying that it is now “endless, capable of infinite multiplications and completely unreal”.  She writes further that he “likens it to an object in a room of mirrors, that keeps refracting into numerous new forms, so dizzying that our brains are simply not equipped to understand”.

Gillian Tett goes on to say that this has at least two implications.  Firstly, “the abstraction makes it surprisingly hard, even for financiers, to keep track of where those zeros are going, or if anything tangible lies behind them.” And that the second implication is “that it is hard to spot how debts are piling up – or how to cut them when they do.”  She goes on to say that “the sheer ease of using electronic money removes any sense of constraint (or shame).”

I recently bought the brand new book Where Does Money Come From? The authors argue that “private banks can really create money by simply making an entry in a ledger”.  And that there is no common understanding about this fact even among bankers, economists, and policymakers.  Most seem to wrongly assume that the central bank; i.e. the Bank of England, has significant control over the amount of reserves banks hold with it.  In fact, at the time of the financial crisis banks held just £1.25 for every £100 issued as credit.

This is pretty much akin to the mental process that get a lot people into debt.  Many of them wrongly assume that if the bank or credit card company preapproved their overdraft or credit that “the powers that be” know what they are doing and are certain they would be able to service the debt and pay it back.

The recognition how new money is created is not new.  The economist J.K. Galbraith wrote in 1975: “The process … is so simple that the mind is repelled.  When something so important is involved, a deeper mystery seems only decent.”  When I read this it reminded me of an interview I had with the Admissions Tutor of the physiology department at Bristol University back in the 1990’s.  I blew it because I rejected the first answer that popped into my mind to the question what happens in the body during exercise as too simple.  After all, this was The University and the answer had to be somewhat more complicated!

When I saw the graphs at a recent lecture by Ben Dyson of Positive Money it seems that the only restraining influence on the creation of new money through credit has been the lack of technology.  But since the electronic means have become more sophisticated that has shot up enormously.  Add to that the way in which the credits have been carved up and re-packaged in ever more complicated and sophisticated “instruments” so that not even financiers understood it anymore, it was only a question of time that the whole house of cards would collapse sooner or later – and is likely to do so again.

I imagine the creation of credit is like blowing up a balloon.  Whenever more credit is created the balloon gets bigger and whenever money is repaid, the balloon gets smaller as the money vanishes back into thin air.  The same happens when debts cannot be repaid either by a significant number of people, as happened when a lot of mortgage holders, mostly in the US, defaulted on their payments, or one large debtor, e.g. a country like Greece.  The once shiny balloon ends up as just a piece of rubber.

So what is the solution? Detailed proposals for relevant policy changes are laid out on the Positive Money website (http://www.positivemoney.org.uk/our-proposals/).  Gillian Tett describes in her article how at a recent meeting of the IFM and World Bank Group “the more zeros I heard the more desensitized I felt.”  This describes pretty much what I observe amongst my clients. Therefore, I do advocate a return to cash, especially for those clients who are struggling with debt.  I actually encourage them to cut up their credit cards, use cash for everyday purchases, and only use a debit card for online transactions or those where cash would be impractical.

Sanni Kruger is a finance coach helping people to become competent and confident money managers who live within their means without stressful money concerns. She assists her clients in reducing their debts whilst building up savings, as well as clarifying their desired long term vision and learning how to expand their resources to reach it. Her self-help book “Making Friends with Money – How to start feeling wealthy without waiting till you’re rich” is available from http://www.holisticmoneymanager.com/self-help/

Sanni is also a motivational speaker with over 30 years experience of speaking to groups of any size. These  range from her field of expertise; i.e. anything to do with personal cashflow management, to a variety of motivational subjects.

.

Oddly enough seeing what we actually spend our money on can give us the most important clues.  Here are a couple of examples from my finance coaching work:

The first is a young student, who I’ll call Karen.  We worked together during the summer before she went to university.  Karen was in the habit of buying cans of soft drinks here and there when she was out and about.  Like all my clients she was encouraged to start keeping a record of all the money coming in and going out.  Instead of adding the amounts she paid for the soft drinks to her “grocery” category she created a separate one, because she was curious to find out how much she actually spent that way.

After 4 weeks we sat down together and added up the small amounts, varying between 40 and 60 pence.  She called out the amounts and I added them up.  When we were finished I said something like: “£46.80”.  She burst out spontaneously: “WHAT?!?! – I’m not paying that!”  In that instant Karen realized that she didn’t need those drinks to quench her thirst.  Instead she started refilling a small plastic bottle with tap water and carried that around with her.

The other example involves a young couple, which I’ll call Jim and Natalie.  At the time they had a 2-year-old and a new baby.  Because of some health issues Natalie needed Jim’s support and they would do the weekly shop together as a family.  Once they had loaded up their trolley after going through the checkout, they would stop in the café for a cup of tea and a scone before heading home.

Just as Karen did, Jim and Natalie recorded the money they spent in the café separately from their grocery shopping, and we added it up at the end of a month.  This time it amounted to something just under £30.  On hearing that, they both said: “Our sanity is worth it!  We’ll find that money.”  They had identified that they needed that time to recharge their batteries before bundling the kids back into the car, load the shopping, go home, unload the kids and shopping, and then stow everything away.

In the process they also discovered that our real needs are much more than a roof over our heads, food in our bellies and clothes on our back.  That there are emotional and spiritual ones, too.  And that almost all of them involve money at some point.  That’s why I always encourage my clients not to change their spending habits when they start keeping a record of their money.  That it is a fact finding mission, and that nobody, but themselves, will make any judgments on their spending habits.

You can find detailed instructions about creating and keeping records in my self-help book “Making Friends with Money – How to start feeling wealthy without waiting till you’re rich”, which is available from http://www.holisticmoneymanager.com/self-help/

Sanni Kruger is a finance coach helping people to become competent and confident money managers who live within their means without stressful money concerns. She assists her clients in reducing their debts whilst building up savings, as well as clarifying their desired long term vision and learning how to expand their resources to reach it. Her self-help book “Making Friends with Money – How to start feeling wealthy without waiting till you’re rich” is available from http://www.holisticmoneymanager.com/self-help/   Sanni is also a motivational speaker with over 30 years experience of speaking to groups of any size on a variety of subjects.

This is exactly what I try to achieve with my clients: clarity about your real needs and then finding the means to meet them comfortably.  Imran Khan uses his passion for the sport, his expertise and experience to find those means long after being able to continue in his chosen profession, i.e. play cricket professionally.

I am sure most of us have a passion for something, with related experience and transferrable skills, to enable us to generate the means to live comfortably.  It might take some creative thinking, way outside the box, to find out what this something is.  And we might need the help of a coach, mentor or other confidant to get there.

And we may need to get away from the idea that the only way we expand our means is through working longer and harder, or indeed, that our job is the only source of our means.  For me clarity about my needs and also my vision is actually the key.  Once I know what those are I may be able to find ways to meet them without necessarily having to earn and spend more money.

For instance, if your vision is to live by the sea you might want to write down a list of at least 100 ways how that could be achieved.  Write down every idea, no matter how absurd, impossible, immoral, illegal or otherwise undesirable. If you find that you do need more money just to live from day to day you might want to write down a list of at least 100 ways how more money might come into your life.  Note that I didn’t say how you could earn more.

The idea behind this exercise is simply to broaden your mind.  Among the 100 ideas might be the one that will work.  My book “Making Friends with Money – How to start feeling wealthy without waiting till you’re rich” is the result of this exercise.  I did it again more recently looking at ways I could diversify my business and thought that decades of motivational speaking could be turned into another income stream, and which I am now marketing.

I read in a blog recently that people like Richard Branson employ this technique.  Obviously he doesn’t implement all the ideas that come into his head. It’s likely though, that he has trained his brain to think big because he knows one idea out of the 100 is going to be the one that strikes big.

Sanni Kruger is a finance coach helping people to become competent and confident money managers who live within their means without stressful money concerns. She assists her clients in reducing their debts whilst building up savings, as well as clarifying their desired long term vision and learning how to expand their resources to reach it. Her self-help book “Making Friends with Money – How to start feeling wealthy without waiting till you’re rich” is available from http://dld.bz/KsG4 .

Sanni is also a motivational speaker with over 30 years experience of speaking to groups of any size on a variety of subjects.

It’s FRIDAY! A day a happiness for most of us, when 5pm hits. How can you keep that TGIF feeling all week?

Express gratitude. – When you appreciate what you have, what you have appreciates in value. Kinda cool right? So basically, being grateful for the goodness that is already evident in your life will bring you a deeper sense of happiness. And that’s without having to go out and buy anything. It makes sense. We’re gonna have a hard time ever being happy if we aren’t thankful for what we already have.

Cultivate optimism. – Winners have the ability to manufacture their own optimism. No matter what the situation, the successful diva is the chick who will always find a way to put an optimistic spin on it. She knows failure only as an opportunity to grow and learn a new lesson from life. People who think optimistically see the world as a place packed with endless opportunities, especially in trying times.

Avoid over-thinking and social comparison. – Comparing yourself to someone else can be poisonous. If we’re somehow ‘better’ than the person that we’re comparing ourselves to, it gives us an unhealthy sense of superiority. Our ego inflates – KABOOM – our inner Kanye West comes out! If we’re ‘worse’ than the person that we’re comparing ourselves to, we usually discredit the hard work that we’ve done and dismiss all the progress that we’ve made. What I’ve found is that the majority of the time this type of social comparison doesn’t stem from a healthy place. If you feel called to compare yourself to something, compare yourself to an older version of yourself.

Practice acts of kindness. – Performing an act of kindness releases serotonin in your brain. (Serotonin is a substance that has TREMENDOUS health benefits, including making us feel more blissful.) Selflessly helping someone is a super powerful way to feel good inside. What’s even cooler about this kindness kick is that not only will you feel better, but so will people watching the act of kindness. How extraordinary is that? Bystanders will be blessed with a release of serotonin just by watching what’s going on. A side note is that the job of most anti-depressants is to release more serotonin. Move over Pfizer, kindness is kicking ass and taking names.

Nurture social relationships. – The happiest people on the planet are the ones who have deep, meaningful relationships. Did you know studies show that people’s mortality rates are DOUBLED when they’re lonely? WHOA! There’s a warm fuzzy feeling that comes from having an active circle of good friends who you can share your experiences with. We feel connected and a part of something more meaningful than our lonesome existence.

Develop strategies for coping. – How you respond to the ‘craptastic’ moments is what shapes your character. Sometimes crap happens – it’s inevitable. Forrest Gump knows the deal. It can be hard to come up with creative solutions in the moment when manure is making its way up toward the fan. It helps to have healthy strategies for coping pre-rehearsed, on-call, and in your arsenal at your disposal.

Learn to forgive. – Harboring feelings of hatred is horrible for your well-being. You see, your mind doesn’t know the difference between past and present emotion. When you ‘hate’ someone, and you’re continuously thinking about it, those negative emotions are eating away at your immune system. You put yourself in a state of suckerism (technical term) and it stays with you throughout your day.

Increase flow experiences. – Flow is a state in which it feels like time stands still. It’s when you’re so focused on what you’re doing that you become one with the task. Action and awareness are merged. You’re not hungry, sleepy, or emotional. You’re just completely engaged in the activity that you’re doing. Nothing is distracting you or competing for your focus.

Express gratitude. – When you appreciate what you have, what you have appreciates in value. Kinda cool right? So basically, being grateful for the goodness that is already evident in your life will bring you a deeper sense of happiness. And that’s without having to go out and buy anything. It makes sense. We’re gonna have a hard time ever being happy if we aren’t thankful for what we already have. Deep happiness cannot exist without slowing down to enjoy the joy. It’s easy in a world of wild stimuli and omnipresent movement to forget to embrace life’s enjoyable experiences. When we neglect to appreciate, we rob the moment of its magic. It’s the simple things in life that can be the most rewarding if we remember to fully experience them.

Commit to your goals. – Being wholeheartedly dedicated to doing something comes fully-equipped with an ineffable force. Magical things start happening when we commit ourselves to doing whatever it takes to get somewhere. When you’re fully committed to doing something, you have no choice but to do that thing. Counter-intuitively, having no option – where you can’t change your mind – subconsciously makes humans happier because they know part of their purpose.

Practice spirituality. – When we practice spirituality or religion, we recognize that life is bigger than us. We surrender the silly idea that we are the mightiest thing ever. It enables us to connect to the source of all creation and embrace a connectedness with everything that exists. Some of the most accomplished people I know feel that they’re here doing work they’re “called to do.”

Take care of your body. – Taking care of your body is crucial to being the happiest person you can be. If you don’t have your physical energy in good shape, then your mental energy (your focus), your emotional energy (your feelings), and your spiritual energy (your purpose) will all be negatively affected. Did you know that studies conducted on people who were clinically depressed showed that consistent exercise raises happiness levels just as much as Zoloft? Not only that, but here’s the double whammy… Six months later, the people who participated in exercise were less likely to relapse because they had a higher sense of self-accomplishment and self-worth.

Rikki Grooms is President at Personal Finance 4 The People (http://dld.bz/ars7w).  PF4TP aims to reach out to those individuals who lack financial education while instilling the fundamental principles and importance of being financially independent. With a societal focus, PF4TP focuses on those types of behaviors that are often cyclical and universal to those who are minorities in the general society (i.e. African Americans, women, LBGTQI, Latino, single parents, young parents, and/or under or poorly educated) and underemployed, unemployed, or disenfranchised by the system.

Normally it lives well hidden in the darker recesses of my brain, but every so often it comes crawling out of its cave and sings its siren song of “I can’t afford that”.  Then I end up reluctant to spend money on anything, especially on anything I feel I ought to.  For instance, contributing to a charitable cause everybody around me is giving money to and I feel guilty if I don’t, or I don’t want to be seen as miserly.  That’s probably because the “scarcity monster” actually does make me miserly.

It also makes me think that I haven’t got enough time to do everything I want to, or feel I ought to do.  That’s when I end up feeling stressed and as if I can’t get on with anything.  Consequently, I get resentful every time the phone rings.  And when I’m in this space, circumstances seem to conspire to prevent me getting on with the tasks on my to-do list.

Ted Hunter, author of “Money Smart: How to Spend, Save, Eliminate Debt and Achieve Financial Freedom”, writes that “a positive attitude is more important to your financial success than how you look, the amount of money you did or didn’t inherit, your level of education, your skills, your job, or a lucky break.”

So how I can “snap out of it” and send the scarcity monster back to where it belongs?  I think one way is making a committed effort to change my general outlook from pessimism to optimism.  That is a long-term project and may involve therapy, NLP, coaching, meditation etc.

However, bookkeeping and clarity about my financial situation is a key factor.  I find cashflow planning particularly useful when I get into this space of seeing only scarcity.  If my numbers are up to date, they tell me that I actually have more money available than I thought.  After all, numbers are facts.

And I find it useful to write down or mentally list all the things I do have right now, because it brings me back to the present moment.  It stops me worrying about the things I want to have in the future, or pining for the things I have had in the past.

Letting go of the do-to list and going with the flow helps me relax when things seem to go wrong.  Again a quick factual check of actually writing down what really needs to get done and prioritizing can help to reduce stress.  So does taking a few minutes out for some breathing exercises to calm down.

When you come to the end of the day and still fret over all the things you haven’t got round to, make a list of everything you have achieved in the day.  Make an effort to note the things you normally take for granted, such as getting the kids off to school on time etc.  Then give yourself a mental pat on the shoulder.

Sanni Kruger is a finance coach helping people to become competent and confident money managers who live within their means without stressful money concerns. She assists her clients in reducing their debts whilst building up savings, as well as clarifying their desired long term vision and learning how to expand their resources to reach it. Her self-help book “Making Friends with Money – How to start feeling wealthy without waiting till you’re rich” is available from http://dld.bz/KsG4 .

 Sanni is also a motivational speaker with over 30 years experience of speaking to audiences of any size on a variety of subjects.

There are various ways of getting to this point.  For instance, some people put a certain sum aside for gifts every month or every week.  After all, Christmas and birthdays come around regularly and it makes sense to have money ready for those as well as for other, less regular events, such as christenings, graduations, weddings etc.

Most people divide their surplus into different “pots” or “buckets”.  Sooner or later virtually everybody who diligently uses cashflow planning has a surplus at the end of the month or week.  And for most it’s rather sooner than later.

There are endless variations on how that surplus can be divided.  The simplest one is most useful for people who still have debts to repay.  We have actually adopted it from Debtors Anonymous (www.debtorsanonymous.org).  The suggestion is that any surplus funds, no matter how small, get divided into 3.

One third goes to repaying debt (in addition to any negotiated debt repayments), one third is used to treat oneself and make yourself feel good, and the last third goes into a contingency fund for unexpected expenditure.  For instance, I could have replaced the stolen £70 out of that fund.

To people who have no more debts to repay (where even the mortgage is paid off) we recommend the “prosperity formula”.  Here you use one half, or 50%, for your day-to-day spending.  The remaining 50% gets divided into five equal parts, i.e. 10% to charity and 10% each into various savings funds for specific purposes, e.g. replacement funds for car(s), furniture, home appliances etc, and/or to build up an investment/pension lump sum.  Some of our clients apply this formula to all their income, others to surplus and windfall funds, yet others only to windfall income. 

It doesn’t really matter which strategy somebody adopts.  The important point here is to have these “pots” or “buckets”, and that each serves a specific purpose.  It’s no good vaguely saving “for a rainy day”.  Each £, $ or € needs to have a “job”.

Saving “for a rainy day” makes us reluctant to touch the cash; i.e. we are more likely to run up credit card debt than to use those savings.  Whereas the idea of “pots” or “buckets” of money for specific purposes, such as holidays or home improvements, makes us more willing to use those funds when the need arises – and also to juggle cash around between them.  In fact many of our clients tell us that they enjoy this moving cash around, especially since it’s their money and not debt that gets juggled.

Sanni Kruger is a finance coach helping people to become competent and confident money managers who live within their means without stressful money concerns. She does this by supporting them in creating systems that enable them to reduce their debt whilst building up savings, as well as clarifying their desired long term vision and learning how to expand their resources to reach it. This includes determining what they really want from their lives and focusing on the kind of lifestyle they’re looking for.
The full colour edition of her self-help book “Making Friends with Money – How to start feeling wealthy without waiting till you’re rich” is available as a downloadable PDF from http://dld.bz/KsG4  The ebook is available from http://dld.bz/SJpQ , the Amazon Kindle store http://dld.bz/afkv7 or the Apple ibook store http://dld.bz/Wb7b

In the days before cashflow planning I would have been almost paralyzed by grief over the loss of my money and fear that without it I wouldn’t have enough to last me till the end of the month.  That would have been confounded by fear that someone would clear out my account. And I would have held a huge resentment against the person who’d taken the cash, almost as if they’d stolen part of my life.

So how did I manage to keep my cool so easily?  Cashflow planning is the answer.  Because of it I knew pretty accurately how much money I had where and for what.  Sure, I had to look up the exact numbers in my books but I knew for instance that, if I wanted to maintain my usual lifestyle for the remainder of the month without going overdrawn, I would need to replace the £70 from somewhere.  So I told myself that I just made an unplanned gift of £70 to A.N.Other, and I transferred £70 from my “Gifts” fund.

Emotionally I wanted to avoid getting upset and resentful with the unknown person who had taken the money. I just concentrated on the fact that all the other stuff I carry inside the wallet hadn’t been touched and that somebody had been decent enough to hand it in to a shop.  Telling myself that I had made an unplanned, random gift to some unknown person worked really well.  It made me feel generous and big-hearted; i.e. I felt good about myself and my money.  That’s the whole point of cashflow planning.

Sanni Kruger is a finance coach helping people to become competent and confident money managers who live within their means without stressful money concerns. She does this by supporting them in creating systems that enable them to reduce their debt whilst building up savings, as well as clarifying their desired long term vision and learning how to expand their resources to reach it. This includes determining what they really want from their lives and focusing on the kind of lifestyle they’re looking for.
The full colour edition of her self-help book “Making Friends with Money – How to start feeling wealthy without waiting till you’re rich” is available as a downloadable PDF from http://dld.bz/KsG4  The ebook is available from http://dld.bz/SJpQ , the Amazon Kindle store http://dld.bz/afkv7 or the Apple ibook store http://dld.bz/Wb7b

I also wrote that cashflow planning and meticulous bookkeeping give us this clarity.  How?  I usually recommend to my clients to write down for about 4-6 weeks exactly how much money is coming in and from where and how much is going out, no matter whether it’s spending by credit or debit  cards, direct debits, standing orders or cash.  I then recommend that they create spending categories, so that the numbers they have recorded tell them something.

How much did we spend on groceries?  Or on particular behaviours?  Or a hobby?  For instance, one client used to buy cans of soda here and there.  So she created a category for them.  Another client is a keen hiker.   He created a special category for that where he recorded all his equipment, but also stuff like the special clothing (rather than in a clothing category).

The spending record shows us the areas where it makes sense to be thrifty and where it would be counterproductive; i.e. leading to feelings of resentment and deprivation.  When my client saw how much she spent on the cans of soda she burst out spontaneously: “I’m not spending that!”  She now carries around a small bottle of water, filled from the tap.  However, other clients, a couple with young children, used to stop for a cup of tea in the supermarket café before heading home with the weekly shop.  When they saw how much it cost, they decided that their sanity was well worth the small price.

Armed with this kind of information you can create a well thought-out cashflow plan with real choices.  And which is flexible enough to make adjustments during the course of the month.  This sort of clarity and choice leads to a real sense of prosperity, no matter how much or how little money there actually is available to spend.

Sanni Kruger is a finance coach helping people to become competent and confident money managers who live within their means without stressful money concerns. She does this by supporting them in creating systems that enable them to reduce their debt whilst building up savings, as well as clarifying their desired long term vision and learning how to expand their resources to reach it. This includes determining what they really want from their lives and focusing on the kind of lifestyle they’re looking for.
The full colour edition of her self-help book “Making Friends with Money – How to start feeling wealthy without waiting till you’re rich” is available as a downloadable PDF from http://dld.bz/KsG4  The ebook is available from http://dld.bz/SJpQ , the Amazon Kindle store http://dld.bz/afkv7 or the Apple ibook store http://dld.bz/Wb7b