What is your why

What is your purposeWhat is your why?

Children ask this question constantly and can pester parents relentlessly for the answers.

Somewhere along life’s path we’ve lost that curiosity….

I can remember when my youngest son Benny was four years of age, he would chatter incessantly, and finally I would have to ask him to be quiet… just for a little while please, unfortunately it only lasted for a moment and he was off again.

This quote below is very powerful, if we don’t discover why, our purpose, our passion, our self, we just go through life drifting from one day to the next, and finally when we do question our why, decades have flown by.

There are two great days in a person’s life – the day we are born and the day we discover why…
~William Barclay~

What does it mean, NOT knowing your why?

It can mean you stay in a career/job that you hate, and when Sunday afternoon rolls around (or whatever day is the start of the your working week) you have that same sinking feeling you felt when you had to go to school on Monday morning. That’s no way to live…

Don’t confuse ‘why’ with responsibility- for example, I must pay the bills and feed my family… that is MY why! you may say. No… that’s not what we are talking about here.
Simply knowing your why is the difference between living a full life or just existing… going through the motions of day to day living, because you haven’t worked out your ‘why’. Suddenly retirement is upon you!

A man (or woman) without a goal, (why, purpose or passion) is like a ship without a rudder Thomas Carlyle

Attempting to navigate through life’s turbulent waters today, when you don’t know your ‘why’ can be scary. and gut wrenching… from a day to day perspective.

How can I find my why?

Life today can suck up our time, so much so, that we drift from day to day and year to year mechanically, until one day we come to the realization of wondering, is it all worth it? We are tired, worn-out and exasperated because we don’t know what our ‘why’ is.

Maybe our why is buried so deep inside us, we don’t believe we have one. Perhaps we need to quiet our minds for a while, to access it.

Our minds are rarely still these days, we are bombarded constantly by noise from every possible direction.
Your why is connected to your purpose, happiness, passion and self-worth, it’s about what resonates with you at a deep level, our core beliefs are also tied up with our why.
Knowing your why isn’t the new buzz word, decades ago they called it ‘finding yourself’.

What is your purpose?One way to find your why

One popular method of uncovering your why, is going back to when you were a child, and remembering what interested you, what thrilled you, what made your heart sing. What did you dream about becoming? Sometimes clues can be revealed.

Personally, I believe this is one of the purest ways of rediscovering your why. Remember this was before your mind was cluttered with the stresses of life and adult opinions, when it was okay to dream outrageous dreams, and ideas…. and the only attention you received was a smile, a pat on the head and chuckle from your parents.

Inwardly they were thinking… if only you could stay a child forever and I could protect you from this cruel world. Or you may have ignited a feeling in your parents they had when they were children… momentarily taking them back to their dreams.

Let me use myself has an example, when I was a child I use to love going into the garden and talking to the plants, my father to this day still refers to my behavior.

  • I love the garden and have hundreds of pot plants. 

Every night I would make up stories to tell my older sister, so she could fall asleep.

  • I’m an author of children’s books.

I remember hiking up the local foothills and mountains and the feel of the green springy short soft grass beneath my feet, and the tall rust coloured bracken {a type of large fern} seemingly towering above me.

  • I have a site called Walking the Gold Coast, still love to walk.

These memories are vivid and for many years they were just memories in childhood.

Is there a bridge to adulthood?

Yes…. the is a bridge. I now write children’s books using a pseudonym, Lillian Bell and have a website called Walking the Gold Coast. It took decades to come back and explore what I really loved in life.
Which brings me back to the ‘Why’… many of us cannot explore our why, because we can’t do anything about it anyway, we haven’t the time or freedom to indulge ourselves – you must work or spend 60 or 70 hours in business just to keep afloat.

There we have it! We don’t know our why because living is taking up all our time…

If only there was a way where we could get ourselves in a position, where we could work hard for a relatively short time, compared to a whole lifetime and have the freedom to explore our dreams, passions and find our purpose.

There is an opportunity available, a path that others have followed and modeled which has allowed them to gain not only freedom to explore their purpose or why in life, but to connect to a community of like-minded people.

You have that same opportunity extended to you, I’m exploring it because I want to keep doing the things I love, and continue the lifestyle that supports it. I want to keep doing my ‘why’… the things that make my heart sing, but like you I have to live and pay the bills etc.

Check out this banner below and watch the seven-day video series and perhaps it will help you find out… What is your why?

Click this link for more information.

Women can’t afford to retire today

Most women can’t afford to retire today! There is much talk about retirement, and how much money we will need to retire comfortably. Women in particularly are the most vulnerable, the figures indicate that one in three reach retirement with no funding, and the average woman retires with less than $100,000 in Superannuation or a pension fund. These figures are mimicked throughout the western world, women in particular are at most risk, because of the gaps in their working lives for example –Women will have to keep working

  • Staying at home with the children
  • Parttime employment
  • Equal pay still not a reality
  • Divorce
  • Death of a spouse
  • Ill health
  • Working from home

Men are in trouble also

The list goes on, it cannot be denied that men will also feel the effects of lack of funding for retirement, they may have a little longer to enjoy their retirement, but they will also suffer the same consequences.

It’s not just about money…its about lifestyle and happiness…

Those retiring in the next few years are particularly at risk, for a number of reasons. When you look at the working life of most women, over the last couple of decades, you will find large gaps while taking care of children at home. It’s understandable that women cannot afford to retire

In addition when they were working, it may have been part time, so the income isn’t there to collect in significant contribution.

No one likes to talks about this…

Super funding was introduced into Australia in 1992, we are looking at only 25 years ago, so those retiring now, are already behind the eight ball. They have lost a couple of decades of their working life, contributing to an old age funding scheme. We could extend that by a few years, because it took some employers time to adjust to this new system, with many resisting changes. In addition… throw in those that were working for themselves or using their ABN…. we have a recipe for disaster.

In fact there is a huge moving bubble of baby boomers, ill prepared for retirement and approaching retirement age. No one likes to talk about that, they talk about people not being able to retire because of lack of funds. The only acknowledgement of this issue of time frame, is to extend their working life, beyond 65 years. (maybe they can catch up, if they stay in good health)

The Association of Superannuation Funds of Australia (ASFA) has estimated the yearly income required for a retiree, they broke them down into a number of categories. These figures are interesting and sobering at the same time.

Retirement Standard  Annual Cost
Couple – Modest $34,560/Year
Couple-Comfortable $59,619/Year
Single-Modest  $23,996/Year
Single-Comfortable $43,372/Year

These figures are based on the retiree owning their own home, and in reasonable health. (Source ASFA)

I can not afford to retireDo you really need less money when you retire?

They always say you need less income when you are retired, I’ve always questioned that type of reasoning.

For example you may use less fuel because you don’t have to commute to work… but then you go out more and take day trips… more travel, longer distance.

You still consume the same amount of electricity, maybe more…. Spending more time at home in front of the heater in the cooler months.

You eat the same amount of food. You might save a few hundred dollars here and there on insurances because of your age and concessions can help. We are talking about lifestyle here, I know I don’t want to be talking about the cost of everything and complaining about life. I want to live!

Let’s Break Down – Single Income (Single Modest)

Rates 2,000
Home Insurance 1,000
Life/medical Insurance 1,560
Contents Insurance 380
Car Insurance  700
Car Registration 700
Car Service 400
Food @ $130/weekly 6,000
Petrol @$50/weekly 2,400
Meals 2x$50/monthly  1,200
 Electricity  1,400
 Mobile @ $70/monthly  840
 Internet @ $60/monthly  720
 Netflix   @$12/monthly  144
 Holiday for a week  2,000
 Beauty Salon  ?
 Hair cuts    ?
 Medical  ?
 Body Corp Fees  ?
$21,444  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Budget blowout already

We have already hit expenses of $21,444, and still haven’t completed all the variables, yes it’s true, we can save in this area or that, but at the end of the day this isn’t what I would call a modest single income. You are on the poverty line and we still haven’t finished the expenses.

If you have a $100,000 in the bank, you may get an additional $200 per month or $50 per week if you can access it. However your principle isn’t growing. I’m not a financial planner and I have no skills in this area, my only qualification is how I live and what I would expect a secure lifestyle to look like.

Feeling depressed?

This isn’t the purpose of this exercise, to make you feel without hope. However most of us don’t want to think about it, hoping we might have a ‘win’ somewhere, maybe a long lost relative leaves us a fortune, or we have a windfall by winning the lottery. I know because I have been there too. Is it too late to enjoy our later years, living life to the full? Traveling to distant places, indulging in the things we have put off.

Is there a solution? Or are we doomed to struggle, after a life time of working…

There is an answer, but it does require some investment and a learning curve. It’s possible by following this online business model that you could recover and be able to retire with sufficient funds to enjoy your retirement with an income coming in monthly.

There are no claims made on income, because it is up to you. You can tap into a community of like minded people who can mentor and support you along the way. It’s best described as an Earn & Learn system and worth a look. An opportunity for women who cannot afford to retire, to get some control back for their future. 

Click on the Banner below and take advantage of the seven day video series. You will be able to tell right away whether this system is for you.

 

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All the best with your retirement, I wish you well and good health and a great lifestyle… You can contact me through the Social Media links or through the contact page on this site.

Will Money Make Me Happy?

More money will solve my problems and I will be happy… we instinctively know that is not true. However, most of us say it, and believe it will make a big difference in our lives right now.

Happiness is not something you postpone for the future, it is something you design for the present… ~ Jim Rohn ~

If a whole heap of cash showed up, how would it change your life?

Would you…

  • Pay off your debts, credit cards and mortgage
  • Buy a new car
  • Go on that vacation you have been dreaming about
  • Pack your bag and get out of Dodge!
  • Help your parents
  • Give it to a charity

Suddenly you don’t have anymore money problems, no debts, you have a beautiful home and car, and all the trimmings with money in the bank. How long do you think you could stay in this position? You may say… I will never ever, ever get myself into that situation again, I am secure and happy for the first time in my life, and it feels wonderful.

Will money change you?

It is true that many of our day to day financial problems may seem to be solved, or eliminated, it would certainly take a lot of pressure off. Perhaps we may feel more secure and free. At this point we should ask ourselves a few questions:

  • Are you still the same person?
  • Have we grown as a person?
  • Maybe become more generous
  • More loving & playful
  • Are we truly happy?

Suddenly coming into money unfortunately doesn’t wave a miraculous wand over us, and make us instantly happy. We may feel relieved that now for the first time we are financially free… the pressure is off. None the less, we are still the same person with the same insecurities, feelings and habits.

Maybe you are a special case…

You may be one of the ones that can hold onto this new found lifestyle. However statistic show that most of us revert back to our original income status, along with the person we really are within a few years. There have been many of studies done with lottery winners and this has been the case.

Maybe solving our money problems isn’t the long term answer to happiness or freedom.

Happiness is a state of mind they say…

It has been stated that happiness is a state of mind and we must choose happiness, if we are to be truly happy long term. What does that mean? In its simplest form it means we need to practice being happy, we should make a habit of it, and become aware of what’s going on in our minds throughout the day. Reading books and meeting people who have achieved not only financial freedom but more importantly happiness.

If you are still of the opinion that money is the answer to happiness and the key in your case, you need to do something about it. The chances of a truck load of money appearing or winning Lotto are unlikely. Why not start a business with a proven track record, and meet people who have achieved both money and happiness, and have learnt that happiness is more important. You can connect with such a community by clicking the banner below.

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This is a community of people from all walks of life, that can assist with a proven business model.. that can point you in the direction of improving your financial position, and yourself worth. This will ultimately bring happiness to you and those around you.

Sorting out books

Over the weekend I’ve been doing some sorting out. It’s not a job I enjoy, the dust and mess is something I avoid like the plague. But nonetheless it had to be done. I love books in all forms, digital, paperback and hard bound books, their pages reveal the world and you can be there in an instant. Well written descriptive books are very intimate they melt into your mind and subconscious and shape your thinking and view of the world.

People have lost their lives to produce and distribute information in the form of books and pamphlets, whether it was aimed to preserve the Bible’s writings or fighting for a cause. The written word is powerful.

“A drop of ink may make a million think.”
~ George Gordon Byron ~

So with that thought in mind, books were the focus, old books with yellowed edges and smelling of dampness. This is the only downside to books if you live near the sea, they just absorbed the moisture in the air and before long they start to deteriorate.
This particular book was an old copy of ‘The Untold Story – Howard Hughes’ I remembered reading it, quite a fascinating read. I opened the yellowed pages and to my surprise I found three pressed flowers distributed through the book.

I had a habit when I was younger of putting flowers in books to preserve them, usually it was of a special event or someone I really cared about gave them to me. My dear old Mum would do it and I believe Granny Lewis (my mother’s mother) did it too. So the habit has been handed down. Some don’t like the thought of a book being used for such ends but a book becomes personal after you read it. At one time I would put money in books for safe keeping, but stopped that habit years ago.

Remember Me Like a Pressed Flower

And with that thought in mind, I instantly remembered why I had put the flowers there. I couldn’t believe that I had forgotten them. It’s fascinating how the mind works, many times I’ve looked at that book and thought I should throw it out or take it to ‘goodwill’ but something always stopped me.

I scanned the front matter of the book for printing dates; there it was… First Printing, March, 1996 the year my husband died. Up to this point I have been very comfortable writing about it, after all it’s over nineteen years ago.

However when I typed the year I found tears were filling my eyes, that’s one reason I hate sorting out stuff, memories surface… happy and sad.

“Remember me like a pressed flower in your notebook. It may not be having fragrance, but will remind you of my existence forever in your life.

~ Unknown ~

But I’ll glad I found these flowers and the book, I might just read it again or maybe download another copy onto my Kindle Reader…leave the original in a time warp.