If you knew you could not fail, what would you do? What stories are you telling yourself that are holding you back? Continue reading
The camera follows the Date with Destiny event. While Robbin’s approach is somewhat unorthodox and his language is colourful, the results are life changing. Coaching is a transformative process but the desire to change comes from within. Continue reading
I can be accused of many things but using too much make up is definitely not one of them. Continue reading
A few weeks ago, I wrote about my futile attempts to save money by growing my own vegetables. The cost definitely outweighed any rewards so far, but experience is priceless. Continue reading
Have you ever got your credit card statement in the post and you wonder what on earth some of the transactions are for? Here are 3 simple ways to reign in your unconscious spending. Continue reading
Hurrah! I did it. I am now a Certified Money Coach (CMC ®) with The Money Coaching Institute. I have been studying, reading, researching, coaching, writing, stressing and webinaring for about the last 6 months and it has all been worth it. I am also Ireland’s first Certified Money Coach (CMC ®) so that’s pretty amazing. Continue reading
If you don’t know where you are going, you won’t know when you get there. It sounds simple but so many of us go through life rather aimlessly. Continue reading
I will admit to being a bit obsessive about checking receipts, bank statements, online balances and bills but mistakes happen, and I like to feel in control.
Here is a very recent example of how mistakes can happen very easily, without you noticing. Continue reading
- It is only a bargain if you needed the thing in the first place, you had prepared to pay a higher price but you ended up paying less.
- You didn’t spend the money you saved on something you didn’t need.
- Buy what you need when it’s cheap, not just because it’s cheap.
The only commodity that is truly valuable and irreplaceable is time. Money can always be earned but you can never get your time back so use it wisely.
The amount of time and effort you spend researching a price should equal the amount of money you are going to save.
If my time is worth c. 60 euro an hour and I spend 2 hours negotiating a 5 euro saving on something, it is not a good use of my time or money. I need to either negotiate a higher discount or just spend less time doing it.
- RedLaser – a bar code scanning app.
- Bonkers – great for household bills.
- KillBiller – it monitors your mobile phone usage and then calculates the best tariff for you. (I’m a pre pay customers as this was the best option for me).
- Work out your hourly rate
- Put a value on your time
- When you get a bargain, put the savings into your savings
Sometimes, life gets a bit overwhelming and noisy and I felt that we could both benefit from disconnecting to reconnect. The retreat was very reasonably priced and as we both have student cards, we qualified for a further discount.
While it was not quite what we had anticipated, it was an interesting experience for us both. We practiced mindfulness in everything that we did, we practiced silence, which was very difficult, we engaged in prayer and meditation.
So how can this help your finances?
If you are spending money, do it consciously and mindfully. Switch off things like Amazon 1-Click or equivalent. Stop shopping online, get good at using cash to pay for stuff. Using cash focuses your mind.
Make a plan and stick to it. If it needs adjusting, adjust it before the spending happens; making sure your personal spending plan does not suffer.
Have a “disconnect” day about once a week – a day where you don’t spend any money with the exception of scheduled direct debits.
In a futile attempt to reduce costs, I decided to experiment with growing my own vegetables. Continue reading
- Slow cooker/crock pot
- Pressure cooker
The slow cooker cooks at a low temperature for a long period. There is minimal risk of over cooking or burning. Even I can’t screw things up.
The pressure cooker uses high pressure to create extreme temperatures, cooking food very quickly with no loss of flavour.
My personal favourite is the slow cooker. It uses very little electricity, my oven stays clean and it’s very easy to wash.
Put all the food in, switch it on, walk away, come back 4 – 6 hours later and enjoy. I bought mine in Argos for 19.99 euro.
The pressure cooker is a bit more expensive, 93.99 euro in Argos.
Whichever you prefer, they are both amazing appliances to make cooking easy. Stews, soups and casseroles are a fantastic way of using up vegetables in the fridge.
My other favourite appliance is the NutriBullet. Juicing and blending is another way of using up fruits and vegetables.
The bullet has multiple uses. I use mine to make nut butter, pesto, ground nuts, coffee grounds, flour, sauces, ice cream and humus. It’s very easy to clean, small and easy to store. Making your own food from scratch is cheaper and you have more control over the ingredients. I get some of my recipes from Cooking on a Bootstrap.
Simple Kitchen by Genevieve Parker Hill lists the greatest amount of kitchen utensils you need and has some great, cost-effective, deconstructed recipes. I am delighted to say that I have even fewer utensils then she recommends.