Fearless Finance

This episode reveals how to discover your personal core values and to use your values in meaningful ways.

We experience greater fulfilment when we live by our values. And when we don't, our mental, emotional, and physical state suffers. Most of us don’t know our values. We don’t understand what’s most important to us. Instead, we focus on what our society, culture, and media values.

Can you articulate your top 5 to 10 values? Those that are most important to you? Values aren’t selected; we discover and reveal them.

In this episode of the Fearless Finance podcast join host Daniel Britton as he shares the steps and techniques necessary to uncover your true values. Then learn how well you are living by yours and how to use your values in making big decisions.

We love receiving your comments and feedback. Please reach out to Daniel via Instagram @d.j.britton or Facebook @fearlessfinance.co

Do you feel stuck in a career or job which no longer fulfils you?

Are you thinking of launching your own business or side project. Yet feel fear or uncertainty as to where to start?

Today's guest Claire Mackenzie is a Career Transition Coach working with mid-level and senior professionals at a crossroads who feel lost, to find the work they love to do and create the life they want on their terms.

She is passionate about helping clients navigate their crossroads to find confidence, rediscover purpose and fulfil their potential.

In our conversation we discuss why people can feel stuck and what they can do about it. Learn the steps you can take to make a change, including uncovering your values, constraints and deepest desires.

I would love your comments, questions or feedback.

You can find out more about Claire at her website http://www.clairemackenziecoaching.co.uk/ or via LinkedIn https://www.linkedin.com/in/clmackenzie

Do you have pensions from old employers dotted about the ether? Have you ever looked into consolidating them in one place?

This is my personal story of the pursuit of a previous pension. The trials and tribulations of accessing my own money and putting in a place where I can better access and direct it.

Should be simple right? After all I have spent half a lifetime working in and around the financial services industry.

What you will learn includes:

If you have any comments or questions please get in touch

Joining me on today's podcast is Gary Neild, the CEO and founder of Blue Sky Financial Planning Ltd 

They are a firm of independent financial advisers committed to delivering astute financial planning to all their clients.

In our conversation we discuss the importance of having a financial plan and the role of financial planners.

We discuss the origins of Blue Sky and how they help their clients better meet their financial needs and wants.

Other topics include the importance of financial education for young people and the traits of the wealthy, which Gary has gathered over time.

To connect with Gary and Blue Sky please visit their website

Are you certain the goals which you have set are actually yours, or could they be a product of society, the media or family?

What are the 3 most important questions and how can you apply them to live a passionate and purposeful life?

With contribution from Vishen Lakhiani, founder of Mindvalley. To see his full video on the 3 Most Important Questions click here

The results we achieve in life, whether financial or otherwise are a product of our actions and habits. Creating a routine is important for our productivity, but goals are the north star which allow us to navigate our productivity to our success.

Goal setting allows you to create the willpower to move the needle in life and prevent feeling stuck in our present circumstances. Setting both long and short-term goals helps you build focus, measure progress, and hold yourself accountable.

By setting goals, you can limit the influence of excuses and procrastination and start heading towards success.

In this episode we refine your approach to goal setting, learning how to infuse with emotions and reframe in the form of powerful questions. Take this new approach to setting your goals in 2022 and beyond and please share your success stories in our Facebook community

I'm often asked to recommend books about money and The Richest Man in Babylon by George S Clason is usually near the top of the list.

Selling over 4 million copies, since 1926 The Richest Man in Babylon, based on “Babylonian parables”, has been hailed as the greatest of all inspirational works on the subject of thrift, financial planning, and personal wealth.

The strength of the book is that the money messages are expressed In simple language, through fascinating and informative stories which set the reader (or listener) on a sure path to prosperity and its accompanying joys.

 In this episode I explore the secrets to acquiring money, keeping money, and making money earn more money.

Obtain your copy of The Richest Man in Babylon here

Find out more about the 'In The Money Book Club'

Joining me on the podcast is special guest Sam Neffendorf.

Sam breaks people out of the life-long trances, behaviour patterns and beliefs that are keeping them sick, skint and stuck. Tapping and Energy Psychology techniques enabled him to escape from corporate life into doing something he loves and, most importantly to become a dad naturally (twice), after being told that this would be very difficult by his GP.

In our conversation we discuss how EFT (tapping) can help uncover and remove limiting thoughts and beliefs which may have been subconsciously imprinted in childhood. How his techniques have helped clients get new jobs, clear debt or even start life in a brand new direction.

We discuss the 3 layers of belief affecting wealth, the power of negative thinking and the importance of having a values based vision of the future.

To find out more about Sam and his work please visit http://eftnow.co.uk

For an introduction to EFT (tapping) a good source is The Tapping Solution (EFT): How To Get Started

Putting something aside every month is a foundation for sound money management and for growing future wealth. But many people get confused around the differences between saving and investing.

A big issue which affects savings is inflation. During the past decade or so, this is an economic problem that seemed to have largely gone away. Particularly in the UK or US. Inflation means rising prices, which put another way means the value or spending power of your money falls over time. If you can get 1% interest on your savings but inflation is running at 5% then in real terms, your money is shrinking at 4% per year.

The purpose of investing is to increase your wealth. You are buying an asset of some kind, which will either give a regular return or increase in value over time (sometimes both). For the inexperienced investor, buying a stock market based investment which tracks the movement of the index is a straightforward option. Exchange traded funds or ETFs are available for whole markets such as the FTSE100, or S&P500, or specific sectors such as banks, green energy or cannabis producers. These can be purchased through many banks or you can open a Stocks and Shares ISA via an investment company. These are UK specific but in other countries there are similar. The advantage with an ISA is that any gains you receive are tax free.

Build a safety net through savings and low risk investments then consider your investment strategy based on your long term goals and attitude to risk. Look at ways to simplify and automate the process via apps or direct debits to take the decision making and risk of financial apathy from the table.

"I just don't know where all my money goes" - is one of the most common issues my coaching clients have when they first approach me. They may have jobs or businesses which pay above average salaries yet find themselves disorganised and confused about their spending.

In my view Awareness is a foundation of better financial wellbeing.

This episode looks at ways to gain a better understanding of where you spend your money and how to fix money leaks. It contains several practical exercises to help organise your finances and bring better clarity.

Download my free guide The 7 Steps To Financial Freedom at https://fearlessfinance.co/7-steps