Amber Lights Turn Red; Taking Financial Accountability
Money can be one of those toe curling topics.
Those of us thriving financially and in control of our money aren’t meant to talk about it for fear of coming across as…..well…. ..annoying!
And those of us sinking, don’t talk about it either out of fear of embarrassment and the shame we feel for not having our act together.
Well we need to talk about it - money is important.
Not for the sake of money itself and without meaningful WHYS it can be ugly and smacks of greed and shallow materialism.
But it does = choices…. for ourselves and those we love.
A money problem is never just a money problem it suggests something much deeper is out of whack.
I’ve titled this instalment Amber Lights Turn Red because if something isn’t working and is bothering you now it’s guaranteed to become more problematic and even catastrophic if not addressed and sorted out, it’s the law of momentum.
I’ve worked with enableMe and Hannah McQueen for several years now and have been seriously impressed by the results they achieve for their clients, so much so I’m doing the program myself.
I won’t lie, I felt that knot in the pit of my stomach leading up to our second appointment when we were confronted with where we were tracking financially, based on our current earning/spending habits, but by the end of the appointment I felt empowered.
We know that knowledge is power but the problem with human beings is everyone wants to learn more up until the point where we’re required to change the way we’ve been living.
Then we can become selective in what knowledge we apply and what knowledge we pretend we don’t know (or don’t care enough about!) so we can stay in our comfort zone.
The two things I’ve come to appreciate most about the enableMe program are the following:
- They provided us with the facts in a non-judgmental way and then we got to choose what we wanted to do with that information. Were we content to pay our mortgage off over 12 years? Or by making some changes (which yes, we’d feel but they wouldn’t be too painful) would we rather pay it off in 7 years?
- Moving out of your comfort zone isn’t easy but enableMe’s team include some of the most effective individuals I’ve worked with in over 10 years in the financial services industry. Accountants with personality (!?) and they’ve created a bouquet of powerful tools which make spending less as enjoyable as it’s ever going to be. Partly because they’re fun to work with and their offering is polished but mostly because the whole process is geared towards refining the potential in you and as a result equipping you to be the master of your own financial destiny.
It’s early days for us and I’ll keep you posted.
As Hannah says – life begins at the end of your comfort zone and while I’ve been at various stages of the grief wheel since starting the process, right now I’m feeling excited.
Article by Abby Woollaston
As a home owner myself, the interest rates changes offered by the banks will often grab my attention. In my role here at Lifetime as a Home Loan Adviser, I work with people from all walks of life who are trying to buy their first home. Most people have to overcome the obstacle of saving a decent deposit and KiwiSaver comes to the rescue for a number of people.