Will You Go into Debt to Get A University or College Degree?

Should parents and/or their progeny go into debt to pay for further and higher education after school? Does that increase your chances of leading a happy and fulfilled time on this earthly plane? Does it help you to secure the job of your dreams and realise your full potential at work? My personal opinion is that it does not. And nothing I have seen in the forty two years since I left school in 1972 has changed my mind about that. Many people tell me that things are different now, that things have changed since I was a teenager and […]

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TFTD11: Happiness Is A Journey, Not A Destination

“For a long time it seemed to me that life was about to begin – real life. But there was always some obstacle in the way, something to be gotten through first, some unfinished business, time still to be served, a debt to be paid. At last it dawned on me that these obstacles were my life. This perspective has helped me to see there is no way to happiness. Happiness is the way. So treasure every moment you have and remember that time waits for no one. Happiness is a journey, not a destination…” – Souza

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Perpetual Debt: Debts Which Are Impossible To Repay

I am a regular user of Mary Hunt’s Rapid Debt Repayment Calculators on her website for my own finances and for those of my clients. Last night I was working with the RDRC and I saw something for the first time in all my many years of using Mary’s calculators for their intended purpose, finding the fastest and/or cheapest way to repay unsecured debt . When I put in some figures, the website flashed up a warning in red. According to our calculations, this debt can never be repaid. At first I thought it was an error, but I checked […]

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Q & A About Affirmations, Debt, Abundant Vibes, Blessings and Deserving

What positive affirmations have the most impact on beliefs? The ones you practise everyday and specifically the ones you believe in, the ones which feel “real” to you. If you find yourself saying “yeah, right” then it isn’t going to work so easily as the ones you can align yourself. Work up to the “harder” ones in due course. I like Sandy Forster’s Wildly Wealthy Fast affirmations and her book of the same name. You can listen to them at this link and that page links to another where I have typed them up for you if you prefer to read […]

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Questions About Money, Savings, Investments & Debt

How do I stop impulse spending? Set yourself a budget. Do various tricks like giving your credit cards to a trusted friend to take care of for you. Once a member of my accounting staff gave me hers and I remember hiding them in a jigsaw puzzle box where they remained happily and unused for more than a year. I’ve heard tales of people freezing their credit cards which means  you have to defrost them before you can use them. That can slow down  your spending! Another way is to write down what you want to buy in a little […]

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Choices: What I Am Learning From My August Clients

I’ve been offering myself during August on a new and experimental basis, allowing clients to book themselves into my diary in what is normally my holiday month. 30 minutes on Skype so we can reconnect and I can help them work out a financial issue or two. Some recurring themes have turned up and here’s what I’ve been learning from my clients, for which learning I am very grateful to you all. Thank  you. What a lot of us have in common right now is how to find a way to express ourselves ever more authentically through our work.  All […]

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Debt: Most Of What We Fear Never Comes To Pass

Right now, in my Money-Making Magic group, we are having some very honest discussions with people making brave decisions about when the time is right to admit you can’t pay your debts and what happens when you relinquish your credit rating as you go into a debt management plan.   And yesterday I posted this following message, in the spirit of optimism even thought it doesn’t necessarily read like that. One of our members suggested I might share it here on my blog for a wider audience. “Very rarely, over the years, but especially in the last say five or six […]

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Forty Tips for Making or Saving Money

1. Read Money Week www.moneyweek.com for free daily emails and first 3 magazines free. Invaluable and only 1 hour a week 2. Write an e-book around your expertise and sell 20 copies online 3. Promote someone else’s products, earn affiliate fees 4. Review your insurances – remember the insurance industry preys on our fears. 5. Trade in endowments and learn to do something more powerful with the money 6. Only contribute to a pension where your employer matches your contribution. Self-employed? Get a SIPP (ask me). 7. Stop emotional spending and retail therapy;  cease medicating your pain with shopping 8. Cut out takeaways, limit designer coffees, bribes, treats and […]

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Money Matrix Workshops in Whistable, Kent

Clients and colleagues Sharon Rose and Niki Duffy are running three Sunday workshops in Whistable, Kent, helping folks find a way out of the Money Matrix.   Cost is only £60 for all three Sundays commencing end of February 2010 or even £50 for early bird bookings.   The three days include participation in Rich Dad’s fabulous Cashflow 101 game. More information and online booking here.

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Entrepreneur Radio: Today’s Entrepreneur is Mary Waring

Did you catch my radio show at 9 GMT today?   If not, you can listen again to Mary Waring, UK mortgage adviser, buy-to-let landlady and property expert, IFA in training.   Is there no end to this woman’s talents? Listen to Mary as she describes why corporate life wasn’t for her and what caused her to finally quit and start up on her own, how she ran the London Marathon and how that enables her to remember she can get out of her comfort zone and do anything. Mary is studying for her IFA exams and will qualify on the fast-track […]

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