New Year New You New Start – Financial Literacy

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New Year New You New Start – Financial Literacy

Financial Literacy – for me has become the greates learning curve both on a personal and a professional / business level.  When I was in paid work as an employee all I wanted to do was earn more, get higher up the career ladder , get recognition for all that hard work that I was doing and get rewarded with something to show for it all.

When redundancy came around I found out how quickly 20 + years was actually worth in £ cash – and it was not that good – and despite all the years of working so hard and not being finanically rewarded for those extra hours, stress and dedication – my redundancy pay came down to purely length of service and payments made only on ratio of how  Redundancy payment calculations are constructed – so this taught me a great and very powerful lesson I am determined never to repeat again – Know your worth and know what you are working for and why.

But this is not just about money as such – this New Year New You New Start part is around understanding Financial Literacy – in that I want to introduce you to the term and for you to ask the question – because believe me it will run across your personal and definitely into your business life – are you Financially Literate – do you understand money, your attitude to it and how you relate to money.  If you do great x if you do not – then this is the final area but a vastly important area to get to grips with in this new year new you new start for 2014.

How hard do you work ? – do you work for money or do you make your money work for you?

Ok – so why should I want to be more financially literate – doh why not?  I am not doing it for the money I hear you say – ok then here is a fact.

a. You will never be able to afford me as your coach – fact – I am a business and you pay me by the hour – I am not free.  

b. You will never run a successful business and probably work exceptionally hard to earn money that you never hold on to and end up ultimately working too hard for too little money and never have the work / life balance you ever wanted in your life, owe out money all over the place and end up stressing over money all the time and ultimately always chasing money as you will never have enough. Your business will never be financially in a position for you to be able to leave it ie take holiday or take a break and you will always be in debt moving from crisis to crisis and financial worry to financial worry.

Phew that was alot …………… but do you get a picture forming here.

I am not going to talk to you in this blog about making money – NO – I want you to look at your understanding of your Attitude you have to money, about money, how it relates to you, how you see money and how you relate to money – that is about understanding what Financial Literacy is all about – for me and its here that I learnt huge valuable lessons over the past few years.

So lets start by asking the questions…..

What is your attitude to Money ?  What were you told about money growing up?  How was money referred to in your home by your parents, family and so forth – even your community?

Do you have patterns of money in your family, with you now ?  ie are you in debt?  how often do you get into debt?  what is your attitude to debt?

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When I use the word RICH – what image jumps out to you – these are the areas that I start to work on with you when we do our coaching sessions – working through this area allows you to understand how you manage money, see money, feel money, images of money, and your attitude to money – as they all relate to success – and not always around wealth and financial success.

Money is only one area we work on – success is not money alone but it may well be one area that you work on to ensure you have greater opportunity to get to the successful outcome or goal that you want.  It has a part to play whether we like it or not it is part of the overall equation.

I will relate this to me and give you an example –

Took redundancy 2011 – at that time was in debt, mortgage, credit cards and loans – decided Redundancy would last about 2 years and I could take time out to get well after heart operation and might decide to get back into part time work later on.  All my life I have been told – work hard get educated and get more money – well did all that and we still had a good wage but not vast wealth that I would have liked.  I often said then – my job is my vocation money is not necessarily the main reason I work – well how right I was about that especially when it came to my company looking after me after all those years of extended loyality.  When it came to it,  all my worth was calculated in complete years that had worked for the company and nothing more – not the success that I had brought to that company, not the time putting in when did not get paid or get time back, nothing but years calculated to the least amount of money that they could pay me as possible – I was only ever referred to as a number – faceless and emotionless and purely fiancially driven. I totally understand it – but it taught me a valuable lesson in worth, value and my interpretation of where I put my value of me higher than the company put their value of me – plus despite being vocational / educational and working for development community etc it was still a business and businesses look at The Bottom Line – cost.

Less that 12 months later – still had credit cards, still had loans and needed to get into work asap – nothing financially had changed including how we spent as a couple with 2 people working on 2 good salaries.  Reality check arrived and it was big – then decided after a crap attempt working for `friends` and being screwed over and going for a job in a large major supermarket chain for minimum wage and at last minute turning it down – to take leap of faith and started up SLJ Training – realised very quickly not the right environment for Training etc – so went back and retrained and learnt all I could around Coaching and Business Development. Took previous skills as a Senior Manager in Council and turned all those skills into business directed skills for Coaching and Business Coaching – plus add on qualified counsellor, managed staff and teams and budgets for 20 + years into skills I could harness in SLJ Coaching & Training Associates.  But the biggest part of all the learning (and this was someone who has been in the education and educational / learning world for all my adult life ) was to learn about my attitude to money, what it meant to me, how I related to it and how it managed me in so many cases and not often in a positive way.

And rightly so you are saying – AND SO WHAT………..

What I did in the meantime was – read and learn, listen and talk to people who understood the business world and success – what I needed to do was also change – change  me and change my attitude to money, how I earnt it, what I did with it and what I needed it for.

My ultimate goal (I have a few but start with this one) is to own a Villa in Turkey to be able to retire there or have a retirement home outside of UK in the sun – I want to do this by around 55 but as Mike retires from his salary job 58 will go for then – that gives me 10 years (11 actually) to do it in. Plus Retire from `working` life (not sure I ever will but ultimate goal.

This does not happen on fresh air – but I also have 2 teenage kids to school, head off to college, university and clothe, feed and sort as well in the meantime – basically without an income this will not happen.

In changing my mind set around Money and getting better and better at it – I am now making changes – I am no longer spending and I am looking at my spending patterns and how and what we need , we have little or no personal debt, credit cards are paid off, mortgage for house has been dealt with, we save at a higher level than ever before – I am more savvy with money and what I do for money and what includes how to go about making money. This in little over 2 years and even more so over the past 12 – 18 months.

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My learning around money is improving and improved vastly  – I know more and more about what I want money to do for me rather than previously working my ass off for money and still having nothing at end of month – rather than me just working for money – NOW money works for me.

I now know that for my Business to get better – for me to improve their and in my personal life I need to have assets not liabilities, I need to make money work for me not me killing myself working for money and I also need to be astute in what I do with my money – ultimately I can do more and give more and have a greater impact in my goals for my business and for me in starting up my business.

Thats the start of Financial Literacy – there are loads more but this is just a glimpse into what you do with me – not just dealing with light nice things but really delving in deep (not into your accounts – thats for you and your accountant) but about what you value money to be for your success or your journey towards success.  What it means to you?

So if you are ready for the New Year New You New Start and learning about Financial Literacy – then contact me further and lets journey together  – the more you understand yourself, your attitudes and what you want from life via personal goals and beyond the more you will be come successful in your business goals and life – goes without saying really as one is not separate from the other.

Money and Financial Literacy are not dirty words, but an area which is vast and getting a greater and better understanding of it and how you relate to it and work with it – can only make anything you do better – becoming Financially Literate is the ultimate part of the changes of New Year New You New Start for 2014.

Thank you for reading my musings over the past few weeks and I hope as we end January 2014 to hear from you, that you have enjoyed or gotten something from what I have been saying and might be interested in talking to me about being your coach for the future.

Best wishes and Keep in Touch

Sharon –

New Year New You New Start – Goal Setting

New Year New You New Start – Goal Setting

quotes-Les-Brown-goalsQuestion I am going to start off with on our 3rd blog session in January 2014 – Do you set goals ?  Do you write them down ?  Today you are – WHY? because people who write down their goals are more likely to actually ACHIEVE their goals, targets, dreams, ambitions, desires – what ever you want to call them – writing them down is the starting point.

 

Over the last few blogs I focused on YOU – getting you ready and in the right frame of mind to – CHANGE  – to make CHANGES – and be READY TO CHANGE.

Now we are focusing on GOAL SETTING – New Year, New You, New Start – is about making daily changes, putting in place good positive habits and SETTING GOALS.

Coaching or Mentoring for me is about this picture – I am your guide, your map reader to assist you in reading the road map that you need to set out,  to guide you and show you what is possible for you – in your personal life, career, employability, weight, personal development and of course your business.

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I will work with you to assist YOU to Determine WHAT you want and WHY you want it. I assist you to understand what is important, and what you need to do to achieve YOUR GOALS  by GOAL SETTING.

 

BUT

this is where it gets exciting, interesting and challenging at times as well.

 

 

 

dream goals plans

Now we begin to break down your Goals into steps, we design a plan , a plan of action and that is what I work with you on – this is where as your coach and mentor I do my job – working with you on transforming and making the transitions from having a dream into a reality.

 

 

 

 

 

 

 

 

This is the value of goal setting – making them Specific, Measurable, Attainable/Achievable, Relevant & Realistic but most important of all as well Time Bound.

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This is now were YOU start to become SMART – and start taking the path or road map to achieving all your dreams and ambitions – in any or all avenues of your life.

 

Working with people – not clients or customers – but people – this is the most exciting part of my work – being with you and watching and working with you on your transformation and transition into achieving your goals.

 

Taking steps to make your goals happen is invaluable.

 

Make it happen today – take a pen or pencil, paper and start writing down what goals you want  or what you want in your life, personal or business – why do you want them.  What difference will it make to your life having them – write that down  also,   then write down  what difference to you or your life is there in not having them – once you start thinking in this way you start to see changes – New Year New You New Start.

 

Now you need to start looking at it from this point of view and telling yourself  – “I am going to achieve my goals, dreams and ambitions” and start with imagining or thinking that you have them already – what do you see, hear, feel – what does it look like for you – personal or business – if you had those goals already achieved, what difference would it make to your life.

Hold on to that image, hold onto those thoughts and now write down what you need to do to break the goal down further into steps – what steps do you need to take to get to that goal.

What blocks or barriers are there as obstacles that might stop you getting there – and then how are you going to over come them – what are you going to put in place to remove those blocks, barriers or obstacles.

See what you are doing!  – slowly but surely you are setting out your ACTION PLAN in how to achieve your goals.

Most importantly of all – put dates to those actions, when are you going to start it and when are you going to do it – and of course when you need it finished or completed by – setting dates and even times to it – make it real – make them SMART.

Don`t use ambiguous words – give it all full details – the more details the better – an example = I want to lose weight – by end of year, well losing a kilo is still losing weight but you want to lost 10 kilos – so define it.  I want to lose 10 kilos in weight and I want to lose 2 kilos each month, 1/2 kilo each week for the next 5 months or 20 weeks.

Another example: I want to  make money – ok so you make £10 this week or this month – you still made money – or you can give it details :-

I want to change from having a 4 figure or 5 figure yearly salary  and want to have a 6 figure yearly salary – ok so how you going to do that? My question would be next – what do you need to change or do to make that happen – do you need to learn new skills, better use of your money, your time, do you need to change jobs, do another job –  what additional knowlege, skills, and abilities do you need to acquire to achieve your goal and how will you acquire them.

See whats happening here ! You are defining and refining your action plan – being specific – follow this and you will soon find that goals you have had become achievable.

Thats the coaching / mentor role to work with you on Goal Setting – Making an Action Plan to achieving those Goals – getting you to keep to the action points and ultimately working with you to get to where you want to go and achieving your goals.

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So start now – get Goal Setting and enjoy your New Year, New You and New Start to 2014.  Make it count.

 

 

 

Are you ready to change challenge? Day 4

1186139_10151627081873460_1746621977_nAre you ready to change challenge? Day 4

Over previous few days been asking you to really look hard at yourself and WHY you do and WHY you think as you do – previous self limiting beliefs and conditioning from your past is so too often the reason why people are not successful or happy with what or how they do things.

Are you ready to change challenge? Day 4 – is all about putting that all behind you – I know as said in previously blogs this is only a small part a small fraction of the work that I do with you in a coaching session and set up but it gives you the flavours of what you can do – either through looking at your own journey to change or your own journey of change – reading booking of Life Coaching or other self made people – people of success and finding out what they did – especially if they have originally come from similar backgrounds to yourself.  Often the biggest obstacle to success, happiness and your future is YOU – no one else just You – resolve the issues of the past, let them go, move on and rewrite what it is you really want – who you really want to be, set your goals and go for it.  I have already pointed you in the direction of an Author who I have read and loved her approach, work and ethos.

Are you ready to change challenge? Day 4 is about embedding good habits into your daily routine and day – do you know about Affirmations – mediation time – well every morning and every night I want you to start doing some Affirmations – you can do them to a mirror, when in bed, before go to bed or get up in the morning, out loud or silently to yourself.  BUT do them!

ready to change - positive thoughts

Just one positive thought in the morning can change your whole day.

Here are some affirmations you can use, or make up your own – but use only positive words and language! After all, you have been using negative affirmations for years – you need to practice now the positive ones to affirm the new you, new image and new start.

Write them in your journal or print them out and pin them where you can see them every day.

*  I like myself

*  I now take responsibility for making my life work

*  My future is full of interesting surprises and wonderful opportunities

*  I am good enough

*  I now know I deserve to have more fun, laughter, money and success

*  I approve of myself completely, including in the presence of others

*  I now choose to like and trust myself and to treat myself with the utmost respect

Repeat them daily – change your self talk to yourself – respect yourself in this new you, new image and new start to care about you and that means to respect yourself – and believe in yourself 100% that you will be and can be successful – remember I asked you for 4 things and self belief and self discipline were 2 of them – this is were the self discipline comes in big time – repeat daily and especially over 30 + days and journal the difference it can make over the coming month or 2 – seriously you will be surprised by the simple but big difference it can make.

Are you ready to change challenge? Day 4 is about “for me” – you showing yourself the respect you need to begin your transformation – metaphorically of course, but hey I am not stopping anyone from making other changes in themselves if that is what you want to do – go for it – I believe in you and trust you 100% to know what your changes need to be and how much you want them.

On my journey I have been making big huge changes – physically, emotionally and psychologically – all have contributed to massive changes happening then all around me within my personal life, family life and business life – I am not perfect nor ever would claim to be – but you know what I have stopped punishing myself, putting myself down (still have to remind that inner voice to stop being critical but getting there) and believing in myself that I have the self discipline and self reliance and resources to be successful in everything that I do – as I do and I can.

So

Are you ready to change challenge? Day 4 –  Well are you?  Are you really ready to change?

are you ready to change?I trust that you are and motivated to really get stuck in – keep your journal, contact me for 1:1 sessions or email/phone coaching details also.

Taking these 7 steps – 1 each day is the start – start to change and enjoy the transformation and enjoy becoming the successful, happy and motivated person that you want to be and can be – respect yourself to be able to do it.

 

 

Are you ready to change challenge – day 3

Are you ready to change challenge – day 3

Well yesterday was a tough day as I asked you to challenge yourself and ask yourself some tough questions –  asking questions about our limiting beliefs is about getting to the root cause of why sometimes we are stopped in our tracks in achieving all that we want – we sabotage ourselves and enforce our negative inner voice/ self talk and therefore feel we fail or do not succeed because we ultimately have been conditioned to from our past.

So

  Are you ready to change – the challenge for day 3 – New you new image new start

You now have some insights on how you operate as a person – you have written out and recognised those beliefs that you have about yourself and those that have been told to you repeatedly over the past years from childhood or even later in adulthood.  But why are you allowing these damaging and controlling beliefs to influence you – now we need to get you working on a new you – not a total change (no personality transplants or anything like that – keeping all the good and lovely things that are you and contribute to you being a unique and individual person) but getting rid of the bad belief systems that you have been conditioned to hearing and believing about yourself for years.

Are you ready to change challenge – day 3 – new you new image new start

This is only a short and brief view into the world of coaching and the coaching process – this is what it is all about – it can be fast, challenging and demanding – I demand a lot from my clients afterall thats what it is all about – making positive and progressive changes – challenging the old ways of doing things and looking for the new ways and solutions to resolving problems – I believe in you that you can do it, make the changes and grow as a person to becoming a more fulfilled, happier, peaceful and resourceful person.  You are your own key to success – dig deep folks and believe me you have it all there – we just need to get the tweaking and tuning right and then off you go and begin to really live the life you truly want to live – both personally and in business – thats the power of coaching.

So Are you ready to change challenge – day 3  is now to work on you – the new you the new image and new start – and we have not even begun to look at the future processes of goal setting or goals for your future or anything – working on you is the start of the journey and what an exciting journey it is going to be and is already.

Are you ready to change challenge – day 3 – Yes I hear you shout – well ok shout it louder and lets begin.

Day 3 – Journal exercise; Complete the following statements………..

a.  The person I am choosing to be from this day on is someone who is ………..

b.  The qualities I most want to emphasise and enjoy in myself are………..

When finished Write this out somewhere – either in the journal or on a separate piece of paper sign and date it – even start a mood board – cork board and cut out inspirational sayings, things you want to work for, photos of self of weight and image you want to achieve (be real as well do not set yourself up to fail).  I have one in my study for each of my businesses and personal one – I have photos of types of villa want to buy when retire – goal and target, what I want for next car, I have printed out date and weight I want to be by christmas and then next year etc ) helps in visualising what I would like both in material terms and also saying that inspire me and things I want to aspire to re short, medium and long term goals in my life and businesses.

Statement:

“I am now ready to give life to this new image of myself, from this day forth.  I commit to reinforcing these qualities until they are a deeply ingrained part of who I am and who I am seen to be.”

Print this out and put it in a prominent position for you to read and see often. Now from today onwards your behaviour, choices and decisions you want to make sure they fit this description of you.  When you are faced with a choice or a decision ask yourself – What is the answer, given the person I am now? I will also recommend a book to read now also – as I have found of all the books I have read recently has really resonated a lot with me personally.

http://www.amazon.co.uk/Your-Own-Life-Coach-ebook/dp/B0043VD6BC/ref=sr_1_1?ie=UTF8&qid=1376748247&sr=8-1&keywords=fiona+harrold

Read Fiona Harrolds books and check out for yourself how powerful a world coaching can be both for yourself and your business – her books are excellent to read and easy starting points for your journey into becoming a new you and having a new start.

 

Enjoy and have fun – remember this is the start of an exciting journey of self discovery into the new you that you want to be – this new you and new start will be being as unique as you were before but becoming more successful and achieving more of the life that you want to have rather than been told you should have – work on you as starting point and everything will eventually fall into place.

Good luck and lets look forward to Day 4 of the challenge.

 

Are you ready to change challenge – Day 2

Are you ready to change challenge – Day 2

Yesterday I asked you to answer 2 questions;

Who do you think you are? and Who do you need to think you are to have the life you want?

Why did I ask these 2 questions?  Because we need to start with understanding of ourselves and how we see ourselves and especially how you see yourself.

Are you ready to change challenge today is about our own Self belief in ourselves, challenging the self limiting beliefs that we have of ourself, our abilities, talents, business ability and right to be successful or even happy with our life, our selves and what we do or who we are.

Self belief - it starts hereWe need to believe in ourselves (in yourself) 100%, when you view yourself as being worthy of everything good that you can do or create for yourself and regard yourself as worthy of only the best – then you begin to create a world around you that is positive,successful and happy because basically anything becomes possible.  I am not talking about money or finances here – I am talking about living a life that you deserve – happiness, peaceful, financial freedom (it will come if you focus on working on it positively and productively), successful and worthy of deserving all these things.  We need to focus on our good qualities and our strengths but all too often we find ourselves being negative, focusing on our bad qualities, using negative self talk, focusing on our weaknesses and surrounding ourselves with those people who just back all of that up – after all its easier to do that – and many of our own self limiting beliefs from our childhood and past also back that up too – I am not worthy, I do not deserve being happy, successful, financial freedom, its too hard to work that hard, its too much for me, I can not lose this weight, I am not that smart – oh its always me – poor me poor me poor me blah blah blah blah – we allow our inner self talk and our past dictate who we are and what we are doing now, and what we want to do in the future.  Hence we form the `bad` habits of not believing in ourselves and now working on ourselves and making ourselves personally or in business successful – first small defeat or failure – give up and tick the box of more evidence of why we are not worthy of success or happiness.

STOP IT NOW – are you ready for the change challenge?

You said you were ready to commit – you said you are ready for the change challenge – you agreed to the 4 things I asked of you.

Motivation, Self Belief, Self Discipline and Willingness to Challenge yourself.

So do it now – from yesterdays questions put your past behind and focus only on the future – we have been working on being positive, using positive language, being around positive people living positive no matter where.  I know its not easy but start forming the good habits for yourself now for your future – small steps become huge steps and great movements forward – and are the format for making long term habits for successful lives and successful living.

Are you ready to change? – challenge then your self limiting beliefs, let go of the past that is holding you back, silence your negative self talk/ inner voice –  Believe in you 100% 

success starts with self beliefAre you ready to change challenge – start today Believe in yourself – believe you are worthy, deserving and that you can and will be successful and that you will achieve that person you need to be to have the life you want.  Otherwise you will continue to stay in exactly the same place you are now and have exactly the  same results you have now – you are reading this blog and following this challenge for a reason – go on you have nothing to lose and all to gain.

Are you ready to change challenge – You have the motivation now as committed to change – you are now starting that journey of self belief and believing in yourself 100% that you can do it. Now have the discipline to keep on that track over these last 5 days and have the willingness to challenge yourself – start making the changes towards having the life that you want – personal or business.

 Day 2 – Journal – write in this your responses to these statements;

The limiting beliefs I hold about myself are……………………….

The 3 limiting beliefs that hold me back most of all are……………………

From these responses to these statements you now have all the information you need about the most damaging and restrictive ways in which you see yourself. These last 3 main ones show you how powerful their influences have over your life – lets look at changing those beliefs and no longer let your past conditioning influence your life any longer.

1 more for today please if that is ok – I ask you 1 more exercise to do – then tomorrow we are going to move onwards – to leaving them behind and moving on to the new you and leaving them all behind in the past.

Write down in your journal

The cost to me, in my life, of my limiting beliefs is……. (write down 5, no more than 10)

This can be difficult and upsetting – but do not dwell on this long – write them down recognise them for what they are but dwell no longer than necessary acknowledge them and then let go of them.

Are you ready to change challenge – it is now time to let go of the past and begin building your future – tomorrow onwards.

Good luck, have fun with this and enjoy.

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Day 1 – Are you ready to change Challenge?

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Day 1 – Are you ready to change Challenge?

Day 1 of the challenge is to find out if you are ready to commit to the challenge of change.  Are you ready to have a week of challenges to give you a little insight in to coaching and also about how to go about moving towards the life you really want.

Coaching moves people forward, fast and easily – so lets start on the journey of change and of you reaching your full and true potential.

Ok – becoming ready for change is about committing to the process of looking at where you are now and what or where you want to be in the future.  This is only a short 7 day challenge but together during this change challenge  we will look at your life together and I will ask you to be tough on yourself as I want you to commit to action, not talk or excuses but action – become a can do approach rather than `I can`t do that , or I am not able to do that, not yet, not now, maybe later.` Not good enough – if you follow this (its only 7 days and I am asking a small committment here really in the scheme of life of things) make it work for you – what have you got to lose?

Are you ready to change challenge 

1.  Looking at focusing on the here, now and the future – making small steps making small changes – progression forward – always forward

2.  Looking at whats working and what is not and being honest in this with your self.

If its yes to all above.

Then lets make a contract to work with one another for 1 wekk – 7days – let commit to being ready or becoming ready to change.

My committment to you

I will commit to working with you – asking questions and giving direction and challenge.  That I believe in your full potential to do all you can and I believe in you 100% with no judgements and I will bring 100% of myself to you in this 7 day journey.

Your committment to – being ready to change challenge

What I need from you are 4 things;

*Motivation:  vital – you have to want change, you have to be prepared to work at change – if you are willing to do something then your motivation should be high and you are ready to do what changes are needed.

*Self – Belief:  Here is how you believe in yourself deep inside – are you worthy or deserving of good things ie what good things your changes bring to you you accept and enjoy them. Otherwise you will sabotage yourself and your work to keep you from changing and back in your old ways of thinking and believing in yourself – do not under estimate the power of your inner voice for good and not so good in our lives.  Your self-belief might not be brilliant at the moment but we will work on that.

*Self-discipline:    vital – because when the going gets tough it is your self discipline that keeps you moving forward.  Change brings sometimes discomfort and it is on those days when tired, feeling low or feeling not progressing or disillusioned that you need this to kick in to keep you going – this your friend indeed and one many need to keep working on.

and finally

*Willingness to challenge:  being ready to challenge yourself, all you know about yourself and the world you have known around you all your life. To create new ways of thinking and being and open yourself to new possibilities for yourself, both in your personal and business life.

 

So – are you ready for  change challenge

This is only 7 days but you will be surprised how far you can travel in 7 days – start laying your foundation stones or blocks for changing to your ideal life or ideal business life – are you ready to take up the challenge!

Begin a Journal with

Day 1 – Ready to change Challenge – and begin by looking at these few questions. Write your answers in your journal – do it intuitively ie do not think about it too long – just write them and do not be afraid of what you write to either of the questions – trust yourself – never be afraid to have dreams or aspirations – but be honest with yourself – only you will see.

Who do you think you are?

Who do you NEED to think you are to have the life you want?

To start we need to know where we are and then to also know where we are wanting to go – and its the same with ourselves.

Good luck and have fun with this all over the next 7 days – thank you for taking part and I look forward hearing back from you on how your challenge is going.

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