Mid year financial review – WHY, WHAT & HOW to

If you’re halfway through the year and still feeling like you’re winging it with your money… you’re not the only one.

Why does this matter?

Maybe you’ve earned well, but you don’t know where it’s gone?
Maybe January’s good intentions have drifted into chaos?
Or maybe you just feel like you should be further ahead by now…

Stressing every day about money is exhausting. Having little to no idea what’s going on in your accounts, guessing how much you have to spend and looking at dismay at how far you are in your overdraft again is no way to live.

Not having a decent handle on what’s going on with your money is probably making you feel like you’re failing in life. It’s preventing you from having things you want and a feeling like you’re stuck.

But “WHAT DO I DO?” I hear you cry!

There’s a mountainous backlog bigger than the ironing pile (creased bedding is looking decidedly more acceptable by the week) so how the hell do you even start to tackle any of it?

I’m so glad you asked!

I’ve written a really clear and simple 7 chapter workbook so that you can take smallest of steps forward as you wish. The hardest part is as per usual, the getting started.

What stuff do you need apart from your tablet or laptop?

Notebook, plenty of coffee, passwords to your banking app if they’ve been long forgotten and your credit card statements be they online or on paper.

If your relationship with money is golden, you’ve got some goals or general direction you’re heading in, you’re on point with your partner regarding finances and you are organised with bills, then the checklist section would probably be worth it alone just to save you having to think about what you need to review.

What’s Inside the Workbook that shows you HOW to do this?

You’ll work through 7 gentle but powerful steps:

Name what’s bothering you right now – so you start with honesty.
Understand what’s really going on – get under the surface of money stress.
Picture how you want to feel in six months.
Learn to have better money talks with your partner. This is really commonplace and causes a lot of upset.
Do a kind but clear financial check-in using my repeatable checklist. Work through it at your own pace with things that are most meaningful to you!
Work out your true “pocket money” amount each month. Know for sure how much you can afford each month for things using a simple equation.*
Turn reflection into action with a 6-month plan you can stick to.

But HOW do I do this if I’m scared / stressed / need someone to help me?

If the thought of this has made your blood run cold then I also offer 1-1 mentoring so you don’t have to do any of this unguided or alone.

There are so many people who “don’t get it” and I’ve never ever had a silly question asked of me. When I speak with financial advisors they love it when their clients are all set up foundationally because then their level of expertise can be truly utilised.

There are dozens of layers and nuances around money never mind the psychology buried underneath affecting our opinion of and decisions around it. If you’re bored or frustrated reading generic stuff, the “just make a budget of your incoming and outgoings” nonsense then I may well have what you need.

There is no “just” unless you’re already knowledgeable and confident.

My expertise is in teaching you the foundations.

When you have these in place, layering on top becomes so much clearer. Decisions you make around spending and saving become easier. Knowing where you stand every month creates an audible exhale of relief.

And knowing how the next several months is likely to shape up, tailoring your needs and wants in the mix is next level showing off! I love this part, and it’s so bloody refreshing to feel in control.

The delights of deciding what you CAN afford in an intentional way will evolve your relationship with your lifestyle choices and, if coupled, each other.

Learning about next level finance that looks after your hard earned money properly, such as tax efficiencies, pension management, retirement planning and investing opportunities becomes really interesting, because you’re not already muddled with the day to day management.