Tag: Retirement

What would your perfect day look like

A day… in your perfect life. What lifestyle would you choose if you could?

If someone said to you right now, you could choose whatever lifestyle you wanted… what would it be? Remember funds aren’t a problem… think about it.

Many of us dream of a different lifestyle and it means different things to different people, not everyone wants to sit on a beach drinking cocktails.

This is an example of a ‘perfect day’, for someone… write down your perfect day.

Maybe you love to cook, and you dream about having your own cooking show, your own recipe books, you would love the Celebrity Cook lifestyle. You may feel there’s a gap in the market for what you want to do, you know how to add another dimension to the experience.

Perhaps you want to get back to basics, bring back good basic food, real food, organic food, picked fresh.You dream about preparing that food in an old-world farmhouse kitchen.

A kitchen you designed yourself.  You see yourself standing at your huge timber top bench, running your fingers along the smooth surface while looking at the vegetable patch, brimming with organic vegetables at the end of the garden.

On the window sills are pots bursting with herbs, voluptuously bubbling over with growth, full of fragrance and flavour, patiently waiting for your next delectable recipe to burst to life.

With the camera rolling, you open the back door and brush past the herbs, the smell of mint fills the morning air, reminding you of Sunday Roasts and mint sauce.

The memory is fleeting because now, you have so much more to offer in your arsenal, using this fragrance herb.

 You speak of it briefly, while strolling along the garden path to the chicken pen.

The free-range chickens are happy to see you, they run to meet you and only stop when they see the camera. The only thing you are going to take away from them is their eggs, not their life and not these little hens, you turn to the camera and say so with a little chuckle.

Your attention now turns to the vegetable patch.

The tomatoes vine is heavy with fruit, and you carefully examine the fruit before placing it in your produce basket alongside the multicoloured eggs shells, which indicates the health and free-range nature of your wards. (whom you have named)

You refer to your gardener by name and will soon have a show featuring him and his secrets of planting tomatoes and not only cultivating tomatoes but producing an abundant crop.

Some of your audience only watch you because of the gems of information you add about your garden. You appeal to many different people, they all love watching you.

With the camera following close behind, you return to the colonial style glass door to the kitchen, before opening it, you stop momentarily and pick some basil, the air fills with that intoxicating fragrance that only lovers of Italian food relate too. You take a deep breath and look right into the camera and captivate your audience with the brief history of the herb, with the addition of some tantalizing story.

It’s time now for your encore performance, and it is a performance, you have a reputation for being eccentric and everyone loves you for it.

It’s not my dream, not my scene, although I do like the kitchen and the herbs on the sill, the rest not my dream. The point is someone is dreaming it and not doing it. Making our dreams a reality isn’t easy, it takes commitment, inspiration and hard work in some form, and belief that we can succeed.

How would I even start if I wanted this ‘perfect day’ lifestyle?

A few tips & ideas to think about…

Firstly, you would have to develop you, who you are, being you not someone else. Getting comfortable in front of the camera is a must, you don’t need fancy equipment you can use your smart phone and a stand- start recording

  • Develop your online personality and create a YouTube Channel
  • Love everything food, and organic produce. This would mean research and the best part is… all that you ever would need to know is already out there.
  • An Instagram feed featuring your creations
  • Face Book Page
  • Video of you preparing food and visiting the Farmers Market
  • A blog with your thoughts and perhaps an eBook, featuring your favourite 5 recipes
  • Pinterest with photos of your creations
  • Build your following

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

What is the dream/why killer?

The dream killer or why killer quite often is not only time but finances, not having enough to pursue your dream. You have commitments and can’t chase your deep-seated whys that you are discovering. It will have to wait till you have retired, or the children leave home and start their own lives.

What if I told you there is a way to educate yourself and start to follow your dreams. Your whys, no matter what they are. To prepare yourself for the journey and not only prepare yourself, to clarify whether this is your dream. To find fulfillment in life that’s not some whim or fleeting idea. I’m doing it right now, I’m clarifying my dream, my why by connecting with people who also are on the same path.


Where is your job taking you?

Recently while taking one of my daily walks, I did a mental audit of my employment and business ventures for the past thirty years. Surprisingly it was all very vivid, no struggling to remember fine details it was all there clear and still raw, and I felt a tinge of anger and irritation of how I had been treated by employers, people I was close to and so-called friends, who became business partners.

This mental audit was based on several questions I asked myself:

  • While in employment did I receive the wage I was entitled too?
  • Were my Superannuation payments paid into my retirement account?
  • Did the time I worked match the hours I was paid?
  • Was I treated fairly by others, was I intimidated or bullied
  • Was I sexually harassed by the employer or other workers?
  • Was I forced to leave employment because of harassment or unfair working conditions?

I opened Pandora’s Box

I started rolling back the years and I went back to when I first left school, my first job, the opportunities I have had, the types of careers I have leaned towards.

I must say it was an eyeopener… I don’t think in the last thirty plus years I have ever done this.

Particularly the last twenty since the death of my husband, where I have been on auto pilot for years.

A mental audit of my working life, the results are in and it’s not pretty, in fact it stinks!!

In every case I have been treated unfairly, by an employer or business partner and the underlaying reason is self-interest.

I could go down the rabbit hole and beat myself up, call myself names, I should have done this or that, what a fool I was to put my trust in this person. It would be endless, and I would go around in circles. It’s gone, I did what I thought was the best with the knowledge I had at the time. Let it go…

Are you any different?

I will make this statement, you may have suffered a similar fate, maybe in varying degrees, maybe much worse. Nonetheless, whether you are male or female, most of us have similar stories. Do a mental audit of your careers or business ventures and see what you come up with.

Being honest with myself, I must take on some of the responsibility, being ignorant or misinformed isn’t a good reason and in some cases, this was the reason. I should have made inquiries and checked, and not just trusted my employer to do the right thing.

I want to live my life, not record it. ~Jackie Kennedy~

When we find the career or employment we want we are so grateful to be able to trade time for money, hours for dollars, to pay our bills, have that annual holiday, we don’t want to create any waves. So, we put up with it.

I did take a stand

To be fair while doing that mental audit, I had flashes where I approached my employer and took a stand and corrected things, particularly when I was younger.

Age doesn’t always make you stronger, it can make you more fearful, dependent, fearful of being without an income, fearful that better skilled, younger people are waiting in the wings…. And they are!

It doesn’t matter at the end of the day, whether you are stacking the shelves at your local supermarket or you have a high-flying career in the corporate world.

FEAR dominates your working life and influences every decision you make every day.

Let’s face it, most people will complain about their job and career, whatever level of the income ladder they are on. Few however will ever do anything about it. They literally must be pushed out the door or ejected from the corporate nest before they wake up.

The Solution

There is only one answer, one solution, it’s always been the answer, work for yourself… create an online business. The question is which business model do I follow? There seems to be an explosion of opportunities to choose from. What should I look for in an online digital business model?

  • On going support while you are building your business
  • Proof that this business is working for people just like you
  • Learn as you earn atmosphere
  • A community of like-minded people
  • Mentors to show you the way
  • A system that can be adapted to use with your own products and services

There is such a business model, I am following it, and it ticks all the boxes for me. If you are curious or remotely interested this form below will take you to that business.

It’s never too late to stand on your own two feet and create your own opportunity and change your lifestyle.


What inspires you?

Sunset in ItalyMany of us might say initially we are inspired by a Sunset or sunrise, a breathtaking view, the laughter of a small child. The list is endless and there is no right or wrong answer to this question.

Inspiration changes with age and circumstance in life, what inspired you yesterday may not do so today. It doesn’t matter really, it’s about you on a very personal level, what moves you deep inside.

I’m not talking about the leaders of this world or perceived leaders that have these incredible stories of courage, strength and resilience that continue on under unbelievable circumstances, no I’m talking about you. What inspires you from day to day to get up and keep going?

I don’t know of anyone who consciously goes to Facebook each morning to check out an inspirational story to get you going.

Yes, you may come across one in your feed if you like watching them. Let’s face it some of them look staged, sad that even something so pure as inspiration can be exploited.

The dictionary definition of inspiration is cold and detached, as far as I’m concerned.

Inspiration is a noun

  • The process of being mentally stimulated to do or feel something, especially to do something creative.
  • A sudden brilliant or timely idea.

Every accomplishment today on earth is based on inspiration to some degree, inspiration is the starting point, whether it’s something we have read that moves us, an idea that evolves and changes the world or getting over a fear we have.

Get inspired by small things

Most action or motivation is created by inspiration of some degree, for it to work we must quiet the noise in our minds. That morning coffee or tea, sitting quietly alone in the cool morning air can be a very powerful time. It’s at that moment you decide what your day is going to be like, don’t underestimate its power. Are you going to pump inspiration into it? Are you going to look for inspiration in it?

This image below was taken while overseas, we were walking along a footpath at sunset. On the Esplanade I saw this backdrop, and a man intently reading his phone, sitting on a small wall. It was some distance away and I had to wait for a break in the traffic. It was one of those moments, I could have easily not taken it, my camera didn’t have the capability for the shot. However I took it anyway, because the image was imprinted in my mind. This was the result, it looks like a painting… sometimes it just works. 

Not all of us I know have the luxury of sitting outside in the cool morning air, watching the steam rise from out hot drink, contemplating the day’s activities. Many are woken with a crying baby or wake up so early and have that morning cuppa on the run.

The point here is to find a moment to reset, to think about what inspires you, take note. It could be just sitting in traffic and all the cars in front of you have their signals all blinking in unison, let it register in your mind. Be aware of what is happening around you, no matter how small and insignificant it may appear. You may be the only one who witnesses it. Be inspired by simple random moments.

Take note today and see what inspires you, moves you, makes you act. When you lay in your bed tonight, think about the day’s events and count the inspirations you had. If you think you didn’t have any look harder tomorrow.

Inspiration a powerful motivator

Everything that exists today has been inspired to some degree, you can’t separate inspiration from it. Everything starts with an idea. What inspires you?

The measure of who we are is what we do with what we have.  ~ Vince Lombardi ~


Do you feel stuck?

Recently I was walking along my local beach and I saw a woman with a baby in a pram bend down, and picked something up from the sand, and place it back in the sea. As I walked past I said, “Was it a small crab? No… she said, a little fish stranded on the beach.” I continued walking and glanced back to see her walk back down to the sea, and place something else into the water. It got me thinking about feeling stranded or stuck…

Usually in the marine world anything washed up or stranded on the beach, is there for a reason, and although we may attempt to rescue the poor creature, eventually it ends up stranded further along the beach.

It’s a bit like life, we sometimes feel stranded or stuck or even isolated. Although surrounded by people and activities and responsibilities, we don’t feel part of what’s going on.

It’s my opinion, based on decades of life…  that’s where we are supposed to be. Stuck… because we are not ready to move forward. Stranded because we are not ready to be thrown back into the sea of action.  Isolated because we are still processing new ideas or processing different ways of thinking … hopefully it will only be for a short while. We are where we need to be now…

A change of attitude and action can seem to happen almost overnight. But I don’t believe this is strictly true, many times its proceeded by a period of growth and not always pleasant. Life isn’t filled with rainbows and lollipops. At times we need to change our thinking and thought patterns, this takes time and can be mentally painful.

“Live and love yourself forever, because we are all stuck with what we are.” 

~ M.F Moonzajer ~

For example, if you must decide about something, you may resist the change even though you know it’s inevitable. Resistance is not necessarily being stubborn. For whatever reason you are not ready to move forward, this process can’t be hurried. Unless you are standing on the edge of a cliff and someone is chasing you with an ax, and the only way to escape is by jumping in the sea. If you resist here, you may end up on the CI (Criminal Investigation) channel.

“As long as you’re moving, it’s easier to steer.” 

I look over the years and see a pattern of behaviour in myself, a pattern of cycles starting from my youth, to this very moment in time. We can be too hard on ourselves during these periods of change and beat ourselves up for not moving forward, or taking ‘massive action’ a popular phase that is frequently used.

Gillian CallcottYou can’t hurry this process, it takes time… especially if you are working on yourself.

A break through usually happens when you have reached your capacity.

Take care and be kind to yourself, you will become unstuck in due course.

Life is a cycle, which includes your emotions.

“It comes and goes in waves, it always does, it always does. And carries us away.” Dean Lewis -Waves lyrics




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Life changing event

What life changing events have impacted your income?

What will happen if you get sick and can’t work? What will happen if you have an accident and can’t work? How will you look after your family? How will you look after you?

This is happening right now to thousands of people worldwide. Some have insurance or funds in the bank to carry them for a while till you get back on their feet.

Maybe you have 3-6 months of funds, you have that buffer zone. Others aren’t so fortunate. Perhaps you never got around to setting anything up or have a pre-existing condition that prevents you from any type of insurance. Once you are on their database, that’s it!

It doesn’t matter how you arrive at this point, you’re here now, and its little comfort to say…. Oh, I did prepare, but my insurance is running out or, I didn’t have enough insurance to lead a comfortable life. We have all reached the same point, we have had a major life changing event. And it doesn’t matter what it is.

However, there will be some people in your circle of influence full of criticism and judgment because of your circumstances and these maybe people very close to you. This is the last thing you need during a stressful event, but unfortunately that’s when they sometimes come.

Finding another option

Perhaps your accident or illness stops you from working your previous career. You can work and you are searching to do something while coming to terms with your change of circumstance, change of lifestyle and change of income.

Or maybe you now have a long-term illness that will require on going treatment or you would like to investigate other therapies regarding your health. Without an income, this will be a challenge or maybe out of the question.

It really doesn’t matter what the reasons are, or how you got there, you now must find a way of creating an income. You don’t want to be worrying about making ends meet for the rest of your life.

Creating a new income stream

There are many opportunities available online and the beauty of a digital business model is that you only need an internet connection, a laptop and a small amount of capital compared to traditional business models.

I’m speaking to people like yourself, because I have a long-term illness and needed to find a business model that would work for me and my current circumstances. It took me time to come to the realisation of what my future lifestyle would be without an income.

I’ve been online for many years and have made some income..

However, some of the online business models I’ve worked at, didn’t always stand up to scrutiny, there was something missing.  In some cases, there was no longevity, after a short time they literally evaporated and disbanded their people. In addition some had questionable tactics the were at odds with who I was.

So, I started looking for an ethical business model, that had been around for a few years, with a community of people that I could relate to, along with leaders that were involved and were interested and wanted you to succeed. Leaders that kept in contact with their people.

I found a business model which allows me to be myself, it doesn’t stamp me with a cookie cutter, I can still do what I love, be who I am, while earning and learning. This business model took a while to sink in, I was so use to other online business models that wanted to herd you into a tight niche without allowing you to be who you are.

If this describes what you would love in an online business, I encourage you to subscribe to my email list and receive one video per day for seven days. These videos will give you a feel for what this is all about.

You have nothing to lose and everything to gain.

What will my retirement lifestyle look like

Are you thinking about retirement?… Not yet! The thirty-something might say…

Let me ask you this question… What would your retirement lifestyle look like, if you did think about it?

Most of us don’t want to think about the amount of funds we will need to be able to retire comfortably. We may have done the sums based on the super we have now, a panic runs through us, so we shut down. I’m stuck in this 9-5 job for the next twenty plus years and the chances of things changing are remote, you might say.

All the news reports are doom and gloom about retirement, they are now saying we will need one million dollars to retire comfortably in 2017. Who knows how much that will blow out to in the next ten years. They also say that 1 in 3 woman retire with no super and the rest only have $100,000 and men with $200,000 in retirement funds. If that’s not enough the government wants us all working till we are seventy.

This doesn’t look like a future retirement dream to me….

The media is correct

One thing the media is correct in saying… we need to do something more to secure our future retirement lifestyle.

When you look at the figures presented, a single person living on approximately $25,000 and a couple around $35,000 is not much of a lifestyle. You are on the poverty line.

I can relate to people not wanting to think about it, I did that for years. It’s not that I didn’t want to prepare, its more like I couldn’t see a solution. Throw in a few of life events, death of a partner, divorce and illness, all these circumstances can impact on your future retirement lifestyle dream.

Live your retirement!

Even if you are enjoying a great income… you have a nice Superfund nest-egg and own your own home, things could still go pear shaped.

We really need to have multiple income streams or know how to produce them.

Many are comfortable… with their retirement nest-egg working for them, they are also deriving income from their investment portfolios and life is good.

Or should be…

However there are just as many even though they would be classified as financially secure, do not enjoy their retirement they don’t want to spend it, they are full of anxiety and fear about the next rainy period, and they have forgotten how to live life.

So it’s not just about money, it’s about balance…

What would be the point of working hard all your life, if you didn’t know how to enjoy your retirement.  Or you are too scare to let go and live.

Personally, I think some get caught in a loop of collecting security in the form of super or property, it’s similar to the 9-5 treadmill many of us find ourselves on, but this treadmill goes on till they die. (if they don’t enjoy their wealth, their children or grandchildren or relatives will)


What is the answer? Retire before retirement!

In my opinion the answer is simple, you retire before retirement age. That doesn’t mean you sit on a beach somewhere doing nothing… it means living life on your terms and if that should mean sitting on a beach with a beer in hand in some exotic location, so be it. It’s your dream not mine after all! Find out what your why is?

How do I retire before retirement?

We have already established that some retiree spend little of their money, just in case of an emergency. They may well have their nest eggs working for them, however… this can have a psychological effect after working for decades in the corporate world, or in a previous business.

There is only one way to retire early….  learning to create an income stream that you can develop before retirement age, one that can eventually replace your existing income, and can support a retirement lifestyle without the stress of a conventional business.

A business that isn’t age specific, with ongoing support from a community of like minded individuals and mentors. An online business where you can earn, while you learn. There is such a business, subscribe to my email list and receive a seven day video series, for more information, gain some insight to the possibility of retiring early.

This of course is not realistic to many, the answer is always a simple one, but the implementation is the challenge. I’ve said it before you have to have a business, your own income streams. There is an endless variety of opportunity available today, some of them good.

Learn more about this opportunity by joining my email list…