How good you are at being a natural saver, depends on your money personality.  Some of us are just more natural savers than others.  But no matter what your personality profile, you can start to save money.

In this episode are 5 tips for starting to save, particularly when money is tight. 

1.  Work out how much you can save on a regular basis - your budget will help you determine this!
2.  Review your expenses and cut out any spending that is no longer needed.  You can then save these amounts.
3. Start a savings jar and become accustomed to having spare cash.  This is a great activity to get the kids involved in!
4. Save any windfalls, bonuses or money from the sale of unwanted items.
5. Operate a simple savings strategy, increasing your automatic, regular, savings by ten per cent every 90 days.

Journaling is a well-used tool, but it's often overlooked when working with financial matters. Journaling is also a powerful tool for recording your thoughts and strategies for your financial success, along with working out what financial success looks like for you.

In this episode you'll discover the 4 principle benefits of using journaling on your journey to financial freedom:

 Journaling helps reduce financial anxiety - The act of putting your feelings on paper helps you to manage your anxiety and stress levels better. 
 Journaling improves your cognitive skills - Developing a journaling habit helps your mind to function more efficiently. 
 Journaling helps you meet your goals - Studies have found that you are 42% more likely to achieve your goals if you write them down! 
 Journaling inspires creativity - When you are working on growing a business, making it more profitable, and you are working towards achieving a level of financial success that will give you the freedom you desire, getting creative is a key skill. 

In this episode, I look at the Science Behind the Power of Affirmations and why they are good to incorporate into your money mindset work as well as other areas of your life.

Affirmations are more than motivational slogans on social media memes. There is plenty of scientific evidence to show how and why affirmations work on your unconscious mind.  The research that supports the use of affirmations tends to fall into two camps: psychological theory and neuroscience. 

Science shows us that we have nothing to lose and everything to gain by using positive affirmations daily.

For the free report on using affirmations, use this link >> https://financial-fitness-club.simplerosites.com/dailyaffirmationsreport

For more information about working with me then go to www.jooutram.com 

For small business owners, wearing the hat of the Chief Financial Officer, is either something they ignore or feel a lack of confidence in carrying out the role, preferring instead to wear one of the many other hats.

BUT having sound financial control lies at the heart of successful businesses, from the smallest to largest companies.

So how do you keep score with your business finances?

There are only three main scorecards you need to be concerned with.  In this episode, we take a look at these scorecards and how you, as a small business owner, can use them to take control of your money.

Warren Buffet : "If you can't read the scorecard, how do you know the score? How can you tell the winners and losers?"

Deciding to become wealthy is an easy decision to make, you can make it in an instant.
Starting the journey is more difficult.
You need to know where you are going and what you need to do to start the journey, building a solid foundation.
In this episode, we take a look at both these areas, with tips to get you started on an action plan to understand your destination, with what wealth/financial freedom means to you, and the practical money habits you need to develop to ensure that your wealth foundation is solid.

What are Affirmations? And How do They Work?

Simply put, affirmations are anything you say or think. They make up a large part of the mind-talk that everyone has running in their heads all the time. We all use affirmations, though we don’t do it consciously. This allows our default, negative thoughts to run our lives. 

Using positive affirmations allows you to change the way you think, to move away from the negative thoughts.  You can use positive affirmations in any area of your life, and they can certainly be used as one of the tools for upgrading your money mindset.

In this episode, I explore exactly what positive affirmations are and how you can use them in the work to upgrade your money mindset.

As a small business owner, you have to wear many hats, including that of Chief Financial Officer (CFO) - and that task includes knowing how much it costs to run your business each month.

In this episode, I share with you one of the tasks you can undertake to start to take control of your business finances and be able to answer the question: Do you know how much it costs to run your business?

Financial anxiety is when you feel stress or worry about dealing with money itself and sorting out your financial affairs. It is normal to feel anxious about money when things are not going well, but financial anxiety is not just a condition inflicted on those with a lack of wealth. You can be wealthy and still feel anxious around dealing with money and finances. 

In this episode I explore the some practical tips as well as looking at the emotional side of money.

In this episode, I'm exploring how to include EFT in your money mindset upgrade programme, Now, you might have heard of the Emotional Freedom Technique (EFT) before but it's been around for many years, and it's a technique used to help with everything from pain relief to stress or anxiety. But what you may not know is that EFT can also be used to improve your money mindset. 

Discover the 5-step money mindset upgrade process which includes EFT, that you can start using today.

To explore working with Jo on a one to one basis, head over to www.jooutram.com or to learn more about the Become  A Money Magnet eCourse head over to https://bit.ly/5bamm

Have your affirmations become a little stale? 

Maybe they're just not working as well as they used to, or perhaps you've even slacked off a little. It happens to many of us who like to use affirmations as part of our daily routine.

 Int his episode Jo explores 5 ways that you can check in on your affirmation practise and get back on track.

For a copy of the free Report: Difference Makers - Creating affirmations that make a difference in your life
Download your copy here >> https://financial-fitness-club.simplerosites.com/dailyaffirmationsreport