I recently did a new podcast, you can listen to True talks with Taran on iTunes and Audio Boom. It’s about money! Yes the thing we use, love to come across and don’t talk about deeply. Instead of writing the script out, you can listen to the show below or read the takeaways that you could turn and reflect on yourself and the resources I’m using right now.

Money isn’t a bad thing to talk about, the wellness industry is hot on abundance! Attracting that abundance! I’m currently 30/40 day into Meditation for prosperity 1 and it’s going well – I haven’t had a windfall of money though I am getting intentional and gaining awareness.

1. Look at your relationship with money through the years, growing up, in your teens and twenties, to now. We can carry past money beliefs, sayings, habits, and patterns throughout over lives. Just because your mum did x and your dad x, doesn’t mean you have to follow in their pursuit. I mention how being middle class we had enough money though I didn’t reach for further education studies, I knew basic budgeting but nothing more, I was told credit cards are bad even though I’m pretty sure my Mum and Dad had them so in that sense they were talking from experience.
   
   
2. Don’t go from fine to financial abuse as I did. Your money is yours and lending can be overbearing, set a limit and stick to it. Make a FU account you can read about it here, the basic idea is that if your circumstance changes in any way, you’ve been responsible enough to have a plan and provide for yourself. I’m happily married and I have one.
   
   
3. Save for a specific thing and if you can change the name on your accounts to help you do so. My regular accounts have positive statements such as Thank you bills , Supports Me. My savings Holidays, Yoga Teaching and so on.
   
   
4. Follow the 10 percent rule to save and another 10 percent (or however much you can) to donate to charity. I take may take £50 from what I receive towards savings, then £10 goes to charity, £5 of it as direct debit and the other £5 a month saved till June and December to donate somewhere.
   
   
5. Lists! Lists! Just as you write a shopping list in the supermarket, have a shopping list for the month ahead, if it’s not on the list – don’t buy it.
   
   
6. Don’t spend it all the day after payday. This is poor thinking, you want to develop rich thinking. Budget in a set amount for leisure and use it throughout the month.
   
   
7. Tidy up! Having a set place for things means not going out to replace them, I’m now doing this with kids toys and headphones.
   
   
8. Care for and maintain your items so you don’t need to buy another expensive purchase or spend extra, I’m learning to do this with iPad stands, I refreshed my sheepskins in the wash and brushed them new.
   
   
9. Change your shopping habits! I’m getting better at actually buying what I set out to have in my wardrobe then single sale items and also try stuff on. Go for quality over quantity and what brings you joy. Project 33-3 is a great way to do this.
   
   
10. Set up a kids account if you have one, we have a regular account that I can add to and take away from till she’s 13 then it’s hers and savings to open at 18. If your’s are older set an allowance and counter in the spend, save, give. Kids are never too young to learn about money, they absorb habits so easily!

Resources I’m using:

Podcast: Bad with money with Gabby Dunn

Websites: moneysavingexpert.com, thefinancialdiet.com , wrachelwrites.com, coupleofsense.com

Videos: Minority Mindset, Financial Literacy – Melody Hobson at Ted

Books: Rich Dad Poor Dad by Robert Kiosaki, Get Rich Lucky Bitch by Denise Duffiled Thomas, A year of less by Cait Flanders