The Financial Harmoney Podcast: Recent Episodes
Inge Natalie Hol
How can I make more money AND enjoy the journey? In short, how can I create financial harmony? If you’re ready to be inspired, live a more fulfilling life, but believe that money is only a means to something else – a happier you – then join me on this journey to living your best life!
48 – What's The Real Advantage of Investing?
Ever wondered what all the fuss about investing is? Or why you should consider it as one of the ways to generate more wealth and freedom for you and your family?
In this episode of the Financial Harmoney Podcast I look at the biggest advantage of investing and why I think investing is an absolutely essential strategy to consider if you want to grow your money with the money you already have.
This episode is a must-listen if you're not sure what investing is really about!
Links mentioned in this episode:
Kickstart your dream life in 10 steps
47 – How to Overcome Shame in 3 Steps
Do you ever feel ashamed about money? And I mean especially about your current financial situation, your financial habits or decisions you've made (or not made) in the past?In this episode of the Financial Harmoney Podcast I talk about 3 steps you can take to feel less shame about your money.Our financial situation is often far from what we'd like it to be. And we often experience feelings of shame and embarrassment about it. But those feelings often mean that we don't take action or ask for help. Instead we get "stuck" in our present day reality.Such a shame because it needn't be like that. You can get rid of your feelings of shame ánd take action to start making a change. Make sure to listen to today's episode so that you can start taking inspired action.And if you're ready to REALLY organize and plan your financial life, you can find out more about the special offer I mention in the episode here: https://courses.ingenataliehol.com/specialoffer
Links mentioned in this episode:Kickstart your dream life in 10 stepsSpecial coaching offer
46 – Going Paperless
If you're ever tired of the amount of papers in your house taking up space and collecting dust, have you ever considered going paperless and getting all your important documents digitalized?In this episode, I talk about getting your entire financial organization in digital format. I take you through the 6 steps that will help you move to a paperless office. Less space and more environmentally friendly if you stop receiving so many letters and instead opt to get invoices or statements sent to you in digital format directly.I recommend you also check out episode 45 in which I share some general organizational tips with your regards to your financial paperwork.
Links mentioned in this episode:Kickstart your dream life in 10 steps
45 – Organize Your Financial Paperwork in 4 Steps
Click here for your free download with this episode
When you think about your financial paperwork, how do you feel? Overwhelmed by the amount of papers that are still waiting to be processed? Ashamed about the fact you have many unopened envelopes shoved in a drawer? Or demotivated by the lack of clarity and organization that you'd love to feel but you just don't know how to get there? If any of this sounds familiar, then I have some good news for you: you might be doing it wrong. Ehm, excuse me, but why is that good news? - you might be wondering...Well, here's the thing: Getting on top of your financial paperwork CAN be easy and it can be quick. But you might be doing things in the wrong order. And the reason that is good news is that this is easy to fix. All you need to do is move what most people think should be step 1 and do it LAST.Very cryptic, I know. But mega powerful. If you're ready to get on top of your financial paperwork once and for all, then check out today's episode. Here's what you'll discover:The 4 steps to creating a fool proof paperwork systemWhy it's so important to do things in the right orderWhich step you might be doing all wrong.Oh and if you're interested in going digital with your paperwork and have everything stored on your computer / in the cloud, then make sure to listen to this episode ánd the next one, as next week I'll talk all about a paperless home office :)
Links mentioned in this episode:Kickstart your dream life in 10 steps
44 – Multiplying Your Money
Are you multiplying your money? Or do you “only” have money stacked away in your savings with close to 0% interest rates on it? If so, you're probably not making any extra money on your savings. In fact, you're most likely losing money as inflation is chipping away at the value of your savings every year. By generating money with money you already have, you create more financial stability and security. It can also give you an extra income that you can spend on fun stuff. But if you only have savings, you’re missing out on an opportunity to create more money. By the way, I am 100% in favor of having savings. Having savings accounts is super valuable both in order to reach specific goals, as well as in the case of emergencies when having emergency funds at hand is absolutely essential. But I also feel really strongly about using your money to create more money at the same time. And that means you need to look for other ways to use your money. In this episode, I talk about some of the options to make more money with your money. After listening to this episode you'll know:4 ways to use your money to create more moneysome advantages and disadvantages of eachListen to the episode now and decide which strategy suits you best!
Links mentioned in this episode:Kickstart your dream life in 10 steps
43 – What are You Afraid of?
Find out more about the October 30 Days Challenge
In this latest episode of the Financial Harmoney Podcast, I'd really like to invite you to think about what you are afraid of. Or better said: what regret might you have 10, 20, or 30 years down the line? Whilst I don't like to let my fears influence my decisions, I definitely don't want to regret NOT having made certain decisions later in life. And I find that sometimes, it works better for me to be aware of possible future regrets and the fear of that becoming a reality so that I can make a more informed and conscious decision.Would you like to find out more, then make sure to tune into this episode straight away and get clear on what decisions you might be holding off or what you are afraid of.
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42 - I've set myself a challenge. Will you too?
Find out more about the October 30 Days Challenge
I recently listened to a podcast episode by Russell Brunson and he talked about how if you really want to make an impact and create a successful online business, you have to produce content every single day. Yes, that's right. Every single day - he said. That could be in the form of a podcast, blog, song, video...
I've been thinking about this for over a week now, and although it sounds like a mighty tasks, I've also been really tempted to give this a go.
So... I've finally decided to try this out for 30 days.
In this episode of the Financial Harmoney Podcast, I talk about the challenge I have set myself in detail ánd I invite (or challenge ;) ) you to do the same. I suggest three ways in which you can join me into making October count (instead of waiting for the New Year to set resolutions...).
Give the episode a listen and come let me know on Instagram how you're challenging yourself throughout the month of October! Or - even better! - join me on this challenge by signing up below.
For more details click here.
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41 – The Advantages of Experiencing Financial Organization
Click here for your free download: Kickstart your BIG dream in 10 Steps
The last few weeks have been really "bleh" for me. Apart from launching my course (which has been a great learning experience and fun to do in general!), in terms of life outside of that launch I've felt overwhelmed, demotivated and generally out of alignment.
But I kept going until last weekend I knew I had to change something. I felt that if I didn't take control, I'd be draining my energy levels too much and become too used to the situation. And I mean that not in a positive way. But when things are bleh and I accept the situation too much, then I know I'll stop taking action and get accustomed to a below-average life. And I don't want that.
I want to wake up every day feeling in control, energetic and excited to do whatever I have (and want!) to do that day and ready to make an impact.
So on Saturday I took a moment to analyze what my problem really was and I realized it was a lack of organization. In the last few weeks I'd allowed my living room to become a complete disaster with stuff everywhere that wasn't supposed to be there. Seriously, you could hardly see the table in there, it was just stressful to simply walk down in the morning and see so much stuff everywhere! I spent most of that day just tidying up and I felt so much better after.
And I realized it is EXACTLY the same with financial (dis)organization. If you don't feel in control of your finances (both your expenses as well as a long-term plan or the direction you are going in), it's hard to feel excited and aligned with what's going on and feel that you're moving forward.
Which is why I wanted to share my thoughts about financial organization with you in this episode of the Financial Harmoney Podcast.
After listening to this episode you'll know:
How financial disorganization can cause stress, worries and overwhelm... The advantages of being financially organized Two things to do to become financially organized
Give it a listen and start taking control again if you feel financially disorganized!
Links mentioned in this episode:
Kickstart your dream life in 10 steps
40 – When Things Don't Go The Way You Want
Do you ever have one of those days, weeks or just prolonged periods of time when EVERYTHING just seems to go against you? When you deal with setback after setback? (I bet you do by the way, this is merely a rhetorical question!) Isn't it a struggle to remain motivated and optimistic during those times? I've been going through something similar recently and in this episode of the Financial Harmoney Podcast I share two of the setbacks I've had to deal with recently (there were a few more but I decided not to dwell on too many issues...) and how I really struggled remaining dedicated to moving on and continuing my journey to more financial success. (As what's the point when stuff just seems to go wrong all the time, right?)Most importantly I share 3 tips or lessons I learned from it and I know for certain you'll find value in those lessons if you're in a similar situation at the moment, or have in the past, or will in the future (and let's face it: we all will experience set backs again in the future, that's how life works at times...! Make sure to give the episode a listen to discover the 3 things you can do to get your motivation back :)
Links mentioned in this episode:Kickstart your dream life in 10 stepsOnline course: Financial Dream Life Master Plan
39 – What is Stopping You From Taking Action
What is stopping you from taking action? Whether that's starting your own biz on the side, buying your dream house or saving for that trip around the world. Why aren't you pursuing your dream?
In this episode of the Financial Harmoney Podcast, I want to challenge you to be honest with yourself and discover your answer to this question. As once you know why you are or aren't doing something, it'll be easier to work on the obstacle in your way and take the first step to shift from being stuck to finally taking action.
After listening to this episode you'll know:
4 Common reasons you might not be taking action How to deal with each of these excuses
Check out the episode straight away and start taking action today!
Links mentioned in this episode:
Kickstart your dream life in 10 steps Free Masterclass: The 3 Secrets to Creating Your Best Financial Life Online course: Financial Dream Life Master Plan
38 – Why You Need a Financial Plan (Now More Than Ever)
About 5 years ago, I had absolutely no idea how to manage my own money. I'd always - thanks to my parents who helped me establish this habits from very early on - been contributing to a savings account. But then when the interest rates went down to almost 0%, I didn't feel that was a great way to build wealth and financial freedom for my future. But how was I supposed to create more money? I didn't know anything about retirement plans, investing or multiple income streams.Fast forward a few years, I can now say I know how to manage my money confidently and effectively and I actually LOVE planning out how, when, how much and why I do certain things. Yes, I'm talking about how creating, updating and regularly checking in with my financial plan has made a tremendous difference to my finances! If you don't have a financial plan or don't even know where to start to put one together, then don't wait any longer and tune in to this episode of the Financial Harmoney Podcast, where I give lots of tips on the ins and outs of putting a financial plan together. After listening to this episode you'll know:The 4 parts of a financial planHow to put together a financial planThe 3 reasons why you need a plan now more than ever.P.S. Did you know I'll be doing a FREE Live Masterclass in next week? You can sign up here!
Links mentioned in this episode:Kickstart your dream life in 10 stepsFree Masterclass: The 3 Secrets to Creating Your Best Financial Life Episode 5: Increase Your Earnings Using the Secrets of the 7 Income Streams Discover more episodes of the Financial Harmoney Podcast!
More Financial Harmoney Podcast Episodes
37 – How Much Time Should You Spend on Your Personal Finances?
If you want to make real progress with your financial goals, I recommend you don't just look at your money now and again... I love making the process of achieving financial security and freedom as simple as possible. But the truth is, the longer you hold off checking in with your financial situation and progress, the harder it is to take that step each time. I've made the comparison before, but it's a bit like going to the dentist: the longer you postpone, the scarier it becomes. As who knows what things will look like after all this time? That's why I'm a big advocate of making personal finances a part of your every day life. There's a lot of power in creating little habits that will help you stay on top of your current finances ánd future goals, so that there's nothing scary about any of it. In that way it becomes a lot easier and a lot more fun, as you'll witness your own progress towards financial security and freedom on a regular basis, without it taking up much of your time at all!So... How much time should you be spending on your financial affairs? Well, I am so glad you asked, because even though it's hard to give one clear answer that works for everybody (as we all have different goals, priorities, complexities and interests!) in this episode of the Financial Harmoney Podcast I go into this question in more detail ánd I give you a starting point with regards to the amount of time I suggest you set aside for each of these habits. After listening to this episode you'll know:The purpose of Level 1, Level 2 and Level 3 habits. The 1 - 2 habits I recommend you implement daily, weekly and monthly to get maximum results.How much time I recommend you set aside for each of those habits to check in with your finances (it’s probably a lot less than you think!)You definitely don't want to miss this episode if you've been wondering how much time your personal finances should really take you.
Links mentioned in this episode:Kickstart your dream life in 10 stepsEpisode 8: 3 Modern-day Strategies to Pay Yourself First (Personal Capital)Episode 13: What Will Your Retirement Look Like?Episode 33: Have A Partner Who's Not Into Financial Planning? Episode 36: Do The Every Day to Fast Track Your GoalsDiscover more episodes of the Financial Harmoney Podcast!
More Financial Harmoney Podcast Episodes
36 – Do This Every Day to Fast Track Your Goals
Click here for your free download with this episode
One of my weaknesses is that I am always on the lookout for new habits that have the potential to help me experience more joy and appreciation, to create more abundance or to do good and help others more effectively or consistently. I know this might sound like a healthy enough interest, but if it was up to me I'd almost string my life together with habits. And I know that would actually defeat the purpose of creating a happier, more abundant life because it would allow for no spare time to do something spontaneous or to enjoy the moment. But it is safe to say that I am a bit of a sucker for habits. Luckily I've learned (over many many years!) to be selective and to accept that I can't possibly do it all, no matter how amazing a new idea sounds. I might try it out, but I know there's a limit to how many things I can actually do. That said, I do have a few habits that are so special and powerful that I think everybody should have a go at trying them out. Just because they are 100% worth the effort. In today's episode of the Financial Harmoney Podcast, I am going to share one of THE most effective habits I've come to implement. And it's the perfect habit if you want to hit your goals AND are open to trying out something new. Believe me, this is a habit worth putting in to your daily routine! After listening to this episode you'll know:The one habit I recommend you try for 1 month to help you fast track your goalsThe 6 reasons why this habit is so powerful4 Tips on how to implement this success formula in less than 5 minutes per dayHow it's helped me recently to get back on track with my business ánd personal goalsAnd to help you get started as well as maintain your new habit for 1 month, you can download your habit tracker along with a super short summary of the key points of this episode here.
Links mentioned in this episode:Kickstart your dream life in 10 stepsFree worksheet: Habit TrackerThe Creative Penn PodcastDiscover more episodes of the Financial Harmoney Podcast!
More Financial Harmoney Podcast Episodes
35 – 10 Steps to Create Your Dream Life
Click here for your free download with this episode
I never used to care about money really. For years I was much more focussed on enjoying life, doing a job I loved and appreciating the many things in life that are free or cost very little.In recent years however I've come to realize how exciting money can be. Not to have lots of money in the bank, but what that money can do for me and for others. That's why I started reading, then writing and now talking about personal finance strategies. Because I want to help others create their dream life. Not too long ago I put together a mini guide with 10 Steps to Kickstart Your Big Dream. It's a popular free pdf download that helps you get started on your way to making your dream come true. As some people prefer to listen to the steps I describe, instead of reading about them ánd because it can be a helpful refresher if you've downloaded that guide a while ago, in today's episode I go through those 10 steps to creating your dream life. So that you can take action today to take the first steps on your way to a happier, more purposeful life. After listening to this episode you'll know:The 10 steps you can implement today to start creating your dream lifeHow to make a solid money plan to build your dream life.How to keep your momentumAnd if you'd like to follow along and download the original guide with these 10 steps, you can do so here.
Links mentioned in this episode:10 steps to Creating Your Dream Life
34 – 5 Things to Remember if Your Progress is Slow
Click here for your free download with this episode
If you're anything like me, you'll likely feel frustration from time to time about the speed of your progress towards some of your goals. Or better: the lack of said progress. It's definitely tempting to sometimes believe that by setting a goal, designing a plan and establishing some new habits, you'd be able to reach that objective within a few months, right? At least I certainly feel disappointment when I realize I STILL don't have that big garden I talk about all the time.Of course, when you've set yourself a big (and exciting!) goal, it's normal that you don't achieve success overnight. Part of the whole thing is also the journey towards it. But still, it'd be nice if that journey took place on the motorway and not on the sidewalk.So, frustratingly as it might be, I thought it would be helpful to discuss some ideas on how to counter these thoughts, to give some practical strategies to prevent yourself from giving up on your dreams. That's what today's episode of the Financial Harmoney Podcast is all about.After listening to this episode you'll know:The 5 things to remember when you feel frustrated about the speed of your journey Why slow growth can also be an advantageHow we tend to overrate the end goal and ways to help you avoid doing soI've also created a really helpful worksheet that will guide you through applying these 5 tips to one of your slow going goals too. You can download it here.
Links mentioned in this episode:Kickstart your dream life in 10 stepsFree worksheet: 5 Things to Remember if Your Progress is Slow
33 – Have a Partner Who’s Not Into Financial Planning?
Do you ever disagree with your partner about money? Feel frustration with them about your finances? Or is you partner not really into financial goal setting and planning?Money and relationships can be a tricky combination. Whether you have strong arguments regularly or just the occasional disagreement, I believe that everybody can benefit from some tips on how to make finances a joint goal instead of something that either just one partner cares about, or something you've accepted you can't talk about together without having an argument. That's why I recorded episode 33 of the Financial Harmoney Podcast, in which I talk about money and relationships and give tips on how to ensure you work together when it comes to financial planning.After listening to this episode you'll know:Whether you and your partner are financial allies or financial enemies3 Practical tips on how to become financially aligned with your partnerHow it's easy to interpret a financial dream in completely different ways if you never talk about it together. So if you care about your financial life ánd your partner, then give today's episode a listen and plan out how you'll incorporate the 3 tips I give on a regular basis!Links mentioned in this episode:Kickstart your dream life in 10 stepsEpisode 32: Side hustles - 4 Financial Considerations
32 – Side Hustles: 4 Financial Considerations
Click here for your free download with this episode
Ever think about starting your own side hustle? Or do you already have a side hustle and now dream about going big and making it your principle source of income? If this is you, then this episode will be an invaluable starting point. I talk about 4 financial aspects to think about before taking the plunge into entrepreneurship. (- I wish I'd known some of these things when I first started as an entrepreneur...!)After listening to this episode you'll know:3 Advantages of having a side hustle. The 4 things you need to think about with regards to money and side hustlesWhat to do if you some of these 4 considerations don't look great.Remember to download the cheat sheet for this episode, so you can instantly apply the 4 considerations to your own side hustle idea(s)!
Links mentioned in this episode:Kickstart your dream life in 10 stepsFree worksheet: your cheat sheet to the 4 financial considerations regarding side hustles
31 – Everything You Need to Know about Lifestyle Inflation
Click here to get your freebie: Kickstart Your BIG Dream in 10 Steps
Have you ever moved up the income ladder and increased your income, either through a promotion or a new job? Or by generating more sales in your own business?
I hope you have, as making a bit more money can be very exciting!
And - if you are honest - have you also noticed that after a few months of making more money that you're not really too sure how you're actually spending that extra money?
Where is that money going? If it's not left over at the end of the month or going straight into a savings account, then what is happening with it?
If this sounds familiar then you have likely experienced lifestyle inflation. This is a process in which you (often subconsciously) upgrade your life little by little by paying for a better or newer product or experience than you were willing to pay for before.
Now don't get me wrong: in my opinion Lifestyle Inflation isn't necessarily bad! But I do think it's wise to recognize how you might be experiencing it and to take a more proactive approach towards it, so that you can make sure your money habits are aligned with your short-term and long-term goals.
And that is exactly what this episode of the Financial Harmoney Podcast is all about!
After listening to this episode you'll know:
What exactly Lifestyle Inflation is How Lifestyle Inflation might be manifested in your life Why I personally don't believe Lifestyle Inflation is bad 4 Tips on how to deal with Lifestyle Inflation so that it aligns with your goals and values.
If you're ready to be a little more deliberate with your money and with future increases in your income, then you don't want to miss this episode!
Links mentioned in this episode:
Kickstart your dream life in 10 steps
30 – What is Your Financial Happiness Level?
Click here for your free download with this episode
Money can't buy happiness, right. Or can it? Well I certainly used to believe that I couldn't. But nowadays I realize it's not always that simple So whilst I still don't think that money = happiness, I have become to realize that money can certainly help create conditions that make it far easier to be happy than if those conditions weren't met.Having stress because you can't pay your bills or because you're drowning in debt certainly doesn't help if you want to experience more happiness.And of course, I think most people need more than just money in order to feel happy. BUT money can certainly help making it a little easier to find happiness. Maybe you already knew that. Or maybe you don't agree. (And that's okay too, I'm just giving you my opinion!)But regardless of what you believe about money & happiness, in this episode of the Financial Harmoney Podcast I dive further into this topic. So if you'd like to know more about how to experience financial happiness, this episode is for you!After listening to this episode you'll know:The 4 key financial ingredients I think are important to find financial happiness.What those 4 key elements would need to look like in order for you to feel happy.Your overall individual happiness level picture, so that you can start working towards achieving it.If you're ready to discover your own financial happiness level, then you might also want to download your free worksheet here so you can follow along with the episode and discover your 4 key ingredients to financial happiness.
Links mentioned in this episode:Kickstart your dream life in 10 stepsFree worksheet: Discover Your Financial Happiness Level
29 – Your Mid-Year Review in 10 Steps
Click here for your free download with this episode
Can you believe we're halfway into 2021 already? It's about 6 months ago you would have set your goals for this year - if you tend to set goals around 1st January of course - and the good news is: you've still got 6 more months to reach those goals or to get back on track if you've gotten off track a little bit. Or maybe it's time to readjust some of them so that you don't need to ditch your goals altogether?I'm a huge fan of setting goals, but I'm almost a bigger fan of doing a mid-year review of those goals to help me evaluate my progress and make sure I don't feel I've wasted a whole year. Especially if by now some of my goals haven't received that much attention yet.In this episode I discuss my 10 step process to doing a mid-year review of your goals, and now is a great time to do so as we're about to go into the second half of 2021. You can download a free worksheet to follow along with the 10 steps here. After listening to this episode you'll know:The 10 steps to conducting a highly effective mid-year review.How to get back on track with those goals that have been pushed aside a littleHow to use your goals from one year to the next to level-up your progress.Grab a pen and some paper or open a google doc and let's get started getting the most out of the rest of this year!
Links mentioned in this episode:Kickstart your dream life in 10 stepsFree worksheet: Your Mid-Year Review in 10 Steps
28 – Planning for Irregular Expenses
It happened to me just a week ago: I logged into my bank account and saw several big amounts of money had come out of our joint account. I hate it when this happens, even if the charges are 100% legit: our life and home insurance in this case, which we pay for twice a year.
In the past this used to freak me out as I was never quite prepared for this, but over the years I've developed my own way to actually deal with this in a pre-planned, organized way. So that even if the bills come as a surprise (which tends to happen as I'm never super aware of when exactly we get charged), at least I know I can actually deal with the expenses, both financially and emotionally.
Because here's the thing: if you're not prepared financially, that often means there'll be an emotional repercussion too. That can be stress from not having enough money, to disappointment about having to take the money from something else, such as a long-term savings goal or family outing.
In this episode I share different strategies with you that will help you be fully prepared for your irregular expenses that come up from time to time but that you might forget about on a monthly basis.
After listening to this episode you'll know:
4 Strategies to prepare for your irregular expenses How to calculate how much to set aside each month Why a yearly revision of your contributions is essential
Give this episode a listen and decide which strategy you will be implementing to get organized this very week!
Links mentioned in this episode:
Kickstart your dream life in 10 steps
27 – When Life Happens
A different than usual episode as I've had a major family emergency take over my life in the past two weeks. A short, impromptu reflection on dealing with emergencies.
26 – How to Aim for More if Nobody Around You Does
Click here for your free download with this episode
Way back when, when I first became interested in personal finance, I very much felt on my own. I did't know many people who were open about money, who were happy to speak about financial dreams or who were excited about the possibility of dreaming bigger. There was even a time when I felt ready to start investing in the stock market, but I didn't feel comfortable telling anybody about this. Investing was for rich people after all, wasn't it? And wasn't I just going to lose all the money I put into it? Self-doubt and inexperience meant that I didn't feel ready to face critical comments, so I decided to keep things to myself for a long time. But that felt lonely. I felt bad and guilty for wanting to upgrade my lifestyle. For wanting more. For dreaming about a house with a huge garden. For feeling excited about the prospect of making more money. And that made me doubt my journey. And it just wasn't as much fun to be doing this all on my own.If you ever feel lonely, or guilty about your dream or insecure about how to move forward because of other people's opinions or (probably well-meant) comments, then I've got just the podcast episode for you. I speak about my own experience and I give you tips on how to deal with this and keep moving forward.After listening to this episode you'll know:That it's okay to not always share everything with everybody if you're still unsure My 7 tips on how to keep going even if others around you aren't "getting it" or don't "dream big".How getting started anyway will help you shift your mindsetMake sure to also get your free cheat sheet with the 7 tips here. – This will help you stay on track, even if you feel "alone".Give the episode a listen here, or on Apple Podcasts or Spotify.
Links mentioned in this episode:Kickstart your dream life in 10 stepsFree worksheet: How to Stay Motivated if Nobody Around You is Dreaming BigEpisode 10: How These 4 Emotions Can Stop You From Achieving Your Goal
25 – When Should I Get Serious About Personal Finance?
Click here for your free download with this episode
Sometimes I look back at my personal finance journey and wish that somebody had told me to get serious about my money a LOT earlier. But as much as I'd like to fantasize about how much money and financial security I could have had, there is really no point dwelling on this, as it won't help me in any way.
As the saying goes: The best time to start was yesterday. Failing that, the second best option is to start today.
So if you ever feel behind, or feel it's too late now, I encourage you to get started anyway. Your future self will be immensely grateful for it.
In this episode I look at when you should start getting serious about money and I answer the question of how much money you need in order to get started. (Spoiler alert: start now! Don't wait another day. Time is the most powerful factor when it comes to building wealth).
I also highlight different options to use your money in order to create financial freedom: by saving, contributing to a retirement account, investing in the stock market, paying off debt, giving to charity and by investing in yourself.
After listening to this episode you'll know:
How much money you might save or create by using different strategies. 4 ways you can capitalize on the power of time, even if you're starting "late". 4 Tips to get started straight away.
As this episode is packed with tips and information, I've put a summary sheet together that you can grab here for free, so you won't miss out on all the good stuff. - You definitely don't want to miss out on this free resource!
Give the episode a listen here, or on Apple Podcasts or Spotify.
Links mentioned in this episode:
Kickstart your dream life in 10 steps Free worksheet: When Do I need to Get Serious About Personal Finance?
24 – My 5 Habits to go from Financial Chaos to Financial Freedom
Click here for your free download with this episode
Let me ask you a question: Do you ever feel that you have no idea how to move from financial chaos to financial organization? To a state where you know you have systems and habits in place that help you create financial freedom. That build your financial dream life, one step at a time? Before I started off on my journey to financial independence - now more than 5 years ago - I had no clue where to start or even what I really wanted. But I did have clear the things that I didn't want anymore. The frustration, feeling I wasn't progressing. The worry about my financial future. The sense I was worth less than others, as even in my own company I couldn't draw a wage that truly reflected my input. The overwhelm when it came to making sense of investing. If this sounds like you and if you'd love to move away from experiencing the chaos and the lack of clarity every single day, then you definitely want to tune into this episode, as I describe my own journey AND give you my 5 crucial habits that I implemented - and still swear by now! - to help me go from disorganization to dream life creation.In this episode you'll find out:The 5 habits you can put into place today to make the transition from chaos to freedom.How to use tiger time to buckle down on your dream.How to set REAL financial goals, (that don't actually focus on money...!) Give it a listen on Apple Podcasts or Spotify. And to help you implement these 5 habits, you can download the free cheat sheet to get you started.
Links mentioned in this episode:Kickstart your dream life in 10 stepsFree worksheet: My Top 5 Habits to Move from Financial Chaos to Financial FreedomEpisode 9: Making Personal Finance Fun with these 8 Tips
23 - 3 Things to Track Monthly
It took me a LONG time to work out a system that helped me move forward and actually set realistic goals on my way to finding more financial harmon(e)y and becoming more strategic with my money.
After lots of trial and error, I now know that there are 3 things that for me are KEY to stay on top of every single month. They help me review my progress and keep me on track and they are hugely motivating when it comes to working towards my financial dreams.
In today's episode I share these 3 things with you. As said, I highly recommend you keep track of them every month. Once you get going, they are easy to stay on top of and don't require much time to update from one month to the next. But they offer a tremendous insight into your finances.
After listening to this episode you'll know:
What 3 things I recommend you track monthly The advantages of tracking these metrics regularly How to get started with each one
If you're ready to start tracking your progress and hitting your financial goals, then go check out this episode now.
Links mentioned in this episode:
Kickstart your dream life in 10 steps Episode 4 - Set Your 2021 Income Goal Episode 5 - Increase Your Earnings Using the Secrets of the 7 Income Streams Episode 6 - Calculate your net worth and level up your financial life Episode 22 - The 5 Advantages of Knowing Your Savings Rate
22 - The 5 Advantages of Knowing Your Savings Rate
Your savings rate is not only a super helpful number that helps you keep track of your financial progress, it also has a few other advantages that makes this a highly versatile indicator of your financial health.
In this episode, you’ll discover:
The 5 advantages of knowing your savings rate How to quickly calculate your savings rate every month How to use your savings rate to help you achieve your goals
If you've never calculated your savings rate before OR if you've fallen off the bandwagon but need a little extra motivation to get started again, then go check out this episode straight away as it really is worth being on top of your savings rate if you want to reach your financial goals!
Links mentioned in this episode:
Kickstart your dream life in 10 steps
21 - Why You Deserve to Pursue Your Dream Life
Do you allow yourself to pursue your dream? Or are you holding yourself back? Whether it's obligations you have, the security you feel now or a belief that there is so much you should be grateful for already, that it seems selfish to want to have more...
In today's episode, here are some of the questions I address when it comes to pursuing your dream life:
Who am I to pursue a dream life? Who am I to want more than I already have? Who am I to think that I can do what people much more successful than me have done?
Here's my question for you: Why not? Why wouldn't you pursue your dream life? Why wouldn't you be allowed to follow your passions more? If others can do it, why couldn't you do it? Why wouldn't you let yourself feel the energy and passion by allowing yourself to dream big and pursue your dream?
Here is the thing: those other people aren't anything special either. They too started from 0. They too might have doubted their own abilities. They too might have not felt very secure of themselves either. They too might have had a partner or a family who didn't fully "get it".
You know that you won't get any closer to your dream if you don't allow yourself to dream, right?
When you allow yourself to pursue your dream life and allow your passions into your life, I know you'll not just feel happier yourself, but you'll also be more positive, energetic, patient and loving with your loved ones. Others might even directly benefit from your dream: a bigger house, more money, a charity you'll give more to.
And remember: if you don't create your own dream life, nobody else will do it for you either.
Listen to today's episode to find out how to overcome your own objections when it comes to starting your dream life.
Links mentioned in this episode:
Kickstart your dream life in 10 steps
20 - The 8 Stages of Financial Independence
Download the 8 Stages to Financial Independence Summary Sheet
Financial Independence - it's a real buzz phrase these days. But what I don't like about it is that Financial Independence (or FI), often feels like a dichotomy: either you are financially independent or you aren't.
I'm never a big fan of the yes / no, black / white, in / out, successful / unsuccessful way of presenting a concept. It makes it hard to see your own progress towards a goal as you're either "there" or not.
I LOVE a concept being broken break down into smaller steps however! Now that makes it easier to see your own evolvement as you move from one phase to the next, it allows you to set clearer goals AND it makes the whole journey much more exciting! Instead of feeling you've still got years (or decades) to go on your way to becoming financially independent, if there are some in-between goals that you can work towards in the mean time, the process becomes ever so much more inviting!
Now, here's the good news: did you that if you imagine Financial Independence as a continuum, or a scale with gradations, that there are 8 different stages on that scale? (Spoiler alert: Financial Independence isn't actually the last stage! - There are two more stages you can get to after reaching FI.)
Pretty cool, right?
With those 8 stages, it becomes much more manageable to start your journey to FI, as there'll be lots of smaller steps to aim for on your way!
Episode 20 of the Financial Harmoney Podcast is all about the 8 stages of Financial Independence. I describe each one in detail and I've also made a handy reference sheet that you can download below if you want to have a super quick overview of the various stages.
Go check out the episode and find out which stage you're currently at AND which stage you'd like to get to within the next 10 years.
Links mentioned in this episode:
Kickstart your dream life in 10 steps Episode 5 - Increase Your Earnings Using the Secrets of the 7 Income Streams Episode 11 - How to Set up Your 2 Essential Emergency Funds Register for the FREE online mini course on the 7 income streams as well as the course workbook
19 - Example Dream Life Scenarios and Their First Steps
Download the "First Steps to These Big Dreams" here
As a financial author and mentor there are few things in life I feel more passionate about than helping others achieve their financial dreams. Whether that’s setting up for an early retirement, buying the house of your dream or a trip around the world (when that is possible again).For me, my dream life would consist of the following three things:Having a house with a big garden (min 1.000m2) for my dogs (I’ve go 3 rescues) to run, play and dig in. Earning enough from my online business to be in complete control of my time (when and where I work).Providing awesome value to clients, helping them achieve their financial dream life and feeling incredible passion doing so. That’s my success picture.Of course, YOUR dream life can be whatever you want it to be. In today’s episode of my podcast I look at 8 example big dreams AND I talk about the very first step for every single one of them that you can take today in order to start you off on your journey to creating your awesome life. If you have a big dream but haven’t yet been able to get started OR if you’re stuck for ideas and can do with some inspiration to flesh out your dream life, then make your way over to the episode right now! Or if you prefer to get the short and sweet version (I don’t recommend this as I think there’s a lot of value in listening to the whole episode, but hey you might be pressed for time!), you can grab the cheat sheet for the episode where I’ve outlined the main ideas and first steps for each one.The big dreams I talk about include: starting your own business, buying the house of your dreams and achieving financial independence. So make sure to check it out and even if your dream isn’t in my list, then I 100% know you’ll still find it very useful to get your own first steps identified.You got this!
Links mentioned in this episode:Kickstart your dream life in 10 stepsRegister for the FREE online mini course on the 7 income streams as well as the course workbookEpisode 5 - increase your earnings with the secrets of the 7 income streams.Episode 18 - How to create more happiness and joy
18 - How to Create More Happiness and Joy
Freebie: Ways to Create More Joy and Happiness in Your Life
Imagine waking up every single day with the energy and passion to get started with the day. No more snoozing or dragging yourself out of bed, but a feeling of excitement about the day ahead and to get started with whatever you’ve got on that day.Sounds like a utopia? If that’s the case, I’d like to encourage you to check out today’s episode of the Financial Harmoney Podcast, where I talk about ways to incorporate more joy and fun in your life. As isn’t that what we’re all after? To live a happy, fullfilling and good life? One of the best ways to create more happiness is by seeking out more fun, incorporating more moments when you can experience joy, excitement, passion or a sense of "being in your flow". As a financial mentor I am all in favour of creating more moments of joy. Without it, the big financial goals you set become much harder: you forget about the journey and focus on just the end goal. But it's so important to enjoy the journey. Most of our time is spent on the journey and not on the end goal. As when we reach a goal, we’ll just set ourselves a new one. The happier you are now the more likely you’ll be to continue to strive for that big goal.In today’s episode I discuss four strategies to seek more joy in your life:identify what gives you energyknow what you love at worklook for happiness inside yourself, don’t wait for others to “make you happy”define your dream life and take a step towards it every day.If you would love to have more fun in your life and create more happiness, then you definitely want to check out this episode and download the accompanying worksheet to implement more moments of happiness in your life.
Links mentioned in this episode:Kickstart your dream life in 10 stepsEpisode 15 - 5 Ways to Invest in Your Growth Mindset (I talk about the importance of enjoying the journey towards a big goal on this episode).
17 - What is Your Definition of Success?
Free Download: How to Redefine What Success Means to You
What is success? Have you ever wondered about the definition of success? Or more specifically: what success means to you? Do you have a clear picture of what a successful person looks like? And does this picture of success differ depending on who you’re thinking about? Have you every allowed yourself to define the meaning of success for YOU?
In this episode I invite you to think about your definition of success and redefine success for you, so that it becomes a live, personalised concept that you yourself can shape to whatever you’d want it to mean.
And where most people also have negative associations with success (such as: people who are successful always work 60+ hours, they have no time for their family or they live an unhealthy lifestyle), I’d like you to challenge those ideas and stop taking for granted that success requires sacrifices or unhappiness. Because that wouldn’t exactly be success then, would it?
Apart from the general concept of success, I also discuss:
financial success, career success, family success, success in terms of your health, success with regards to your physical environment, ánd relationship success.
If you’re ready to discover what your own road to succes looks like, make sure to check out today’s episode AND it’s corresponding worksheet, with all the prompts you need to guide you to your own outline of success. Once you've done that, you can use it as a fabulous jumping board to laying out your path to a happier and more successful life.
Links mentioned in this episode:
Kickstart your dream life in 10 steps Worksheet with guided questions to redefine your definition of success
Get Your FREE download for this episode here: 5 Ways to Practice Self-Love on Your Way to Wealth
Episode #16 - The Power of Self-Love in Creating More Wealth How are self-love and becoming wealthy, setting yourself big financial goals and seeking more happiness and fulfillment connected? In this episode of the Financial Harmoney Podcast I discuss why self-love has an important role to play on our way to creating more wealth. In fact, I've come to understand that without practicing self-love consciously, reaching your financial goals can become very hard!
You need to love yourself in order to ALLOW yourself to dream big.
Self love is also needed in order to BELIEVE that you're going to be able to create that dream life.
I also discuss 5 ways can you love yourself, including:
Speak kind words to yourself. Use your emotions to discover your dreams. Manifest wealthy habits. Follow your passions. Find happiness inside of yourself.
Make sure to grab the free download with this episode!
Links mentioned in this episode:
Kickstart your dream life in 10 steps Episode 10: How these 4 Emotions Can Stop You From Achieving Your Goals
Get your free download with this episode
Episode #15 - 5 Ways to Invest in Your Growth Mindset In last week's episode - episode 14: Cultivating a Growth Mindset - we looked at growth versus fixed mindsets in great detail. Today I am going to give you 5 specific ways on how you can invest in your own growth mindset, in order to cultivate and 'grow' your own growth mindset. If you have a growth mindset, that means that you believe that your intelligence, your skills, your experience are all things that keep developing throughout your life. This is the opposite of a fixed mindset, where people believe that they are born with a set number of skills or a specific level of intelligence and that there isn’t much that they can do about that.In today's episode I describe the following 5 techniques you can apply to invest in your own growth mindset:Find your directionAccept you’re not perfectKnow how to deal with setbacks and disappointmentDevelop daily habits or strategiesReflect on your progressMake sure to give today's episode a listen to find out all the details on how to apply these techniques and cultivate your growth mindset every day. You can also get your FREE cheat sheet with this episode, with a detailed overview on all five tips I go through in this episode!
Links mentioned in this episode:Kickstart your dream life in 10 stepsEpisode 14: Cultivating a Growth MindsetAmy Porterfield - Online Marketing Made Easy Podcast
Episode #14 - Cultivating a Growth Mindset Mindset. What exactly is it? And how does your mindset influence your actions and ultimately the level of your success? And can you have both a growth ánd a fixed mindset at the same time? These are just some of the questions I look at in this episode of the Financial Harmoney Podcast. Your mindset is sooo super important if you want to create a joyful and abundant life, but how exactly does your mindset influence your life? If you're ready to find out more about mindset shifts and success, then make sure to tune into this episode.After listening to this episode you'll know:What a mindset is exactlyHow mindset influences your succes through the THINK - BE - DO - HAVE cycleHow the language you use can reveal your mindset
Links mentioned in this episode:Kickstart your dream life in 10 stepsThe full transcript can be found below.
Episode 14 - TranscriptHey hey and welcome to another episode of the Financial Harmoney Podcast. This is episode number 14: cultivating a growth mindset. And thank you so much for tuning in to this episode, and I am very excited to have you here again and to be talking about growth mindsets. As you might know, cultivating a growth mindset I believe to be such an important prerequisite for achieving the successes that you are looking for. If you don’t actually believe that you are going to be successful or achieve your goals, then how in the world are you actually going to be able to do so..? So really, the first part of setting yourself up for success is all centered around having the right mindset. And that is what I am going to want to look at today with you. And in particular I want to talk about a growth mindset, what it is, and how it can help you get to where you really want to get to! So let’s dive right in and look at mindset in more detail. So your mindset is the way you think about something, and in this context to be more specific it is about your belief in your own ability to achieve a certain goal. Now the way you think about this and even the goal you set for yourself tells you a lot about your own mindset. This becomes obvious in the way that you think about it, the way that you talk about it to yourself and the way that you talk about it with others too. And that in turn determines your decisions and your action plans and then your next goals. And that becomes like a continuous development that can take you super far down one road or the other, depending on that mindset. So let me give you an example to make this a little bit more tangible. Let’s say that .. let’s see… that your goal is to set up your own business, okay that a good one to start with. Okay so you want to set up your business. Now imagine that somebody asks you: “What are your goals for the next year?”, and you say: “I want to set up my own business”. Then that might spark some conversation and interest, but let’s compare it to another answer that you could give if you said: “I am going to set up my own successful business”. Wow can you see how this is already so much more powerful? So instead of “I want” you’re already saying “I’m going to”... set up a business, and you’re not actually just going to set up your own business, but you're going to set up your own business that will be successful. Sounds much more powerful and much more of a commitment than wanting to set up your own business. I’d say that the person making that second statement will be much more likely to set up a successful business than the first person. So the way you talk about it to others and to yourself can have a huge impact on your outcome in terms of achieving your ultimate goal. I want to set up my own business and I am going to set up my own successful business. So your mindset starts with yourself, it is how you first dream about something you want to achieve,
Episode #13 - What Will Your Retirement Look Like? Have you ever wondered what you retirement will look like? Have you actually pictured what you'd be doing by the time you're old enough to step out of your job and begin a new stage of your life? I hope that when you think about your retirement, you think of lots of exciting stuff you'll be doing. Traveling to a country you've always wanted to visit, starting a new hobby, spending lots of time with your family or maybe learning something completely new, like a language or a new degree. Whatever it is you'd love to do when the time comes, there might be one detail you don't know. And that is whether you'll have enough money for all of those dreams? Do YOU know what the financial picture of your retirement will look like? Or has it always been on your forever list to find out more about retirement, but haven't actually taken any steps to do so.If this is you, then you REALLY have to listen to this podcast in which I go over some of the basics of retirement planning. And remember that the earlier you start, the better!After listening to this episode you'll know:The three different types of retirement savings that existWhy it is important to NOT just rely on a state pension or social securityMy 3 step plan to set up your retirement strategy.
Links mentioned in this episode:Kickstart your dream life in 10 stepsThe full transcript can be found below.
Episode 13 - TranscriptHello and welcome to another episode of the Financial Harmoney Podcast. This is episode number 13: What will your retirement look like? So I want to start today asking you to close your eyes for a moment and fast forward to when you are of retirement age. That used to be 65 in many countries, and I think the UK until very recently still had it at an even lower age than that for women, but the official retirement age is now gradually increasing in many different countries around the world. So it might now be 67 or 68 and who knows by the time you reach retirement age, it might well be 70 for all we know. But regardless of the exact age, I’d like you to think about you being retired for a moment and picture what you’d be doing then. Will you be spending lots of time with your children or grandchildren? Will you be travelling the world? Will you be joining a golf club or start a new hobby? Or will you start another degree at university, this time just for fun? Or sip cocktails next to your holiday pool 2 months a year? Learn another language? Write a memoir? Haha there is so much to do really! I’d say these options might make for a fairly nice retirement, providing you are healthy and have your loved ones around you of course.But there is another scenario possible, let’s go and picture that one for a moment. The one where you can’t actually retire because you don’t have enough money to do so. The one where maybe some of your friends get to do all the fun stuff that I described just now, because they did invest in their retirement throughout their life. The one where you don’t get to see much of your grandchildren because you can’t retire as you need to pay for your bills. The one where you feel tired and unmotivated as you’re still working your socks off now you’re well into your 70s! This is a really sad visualization and one that I hope will not become a reality for you at any point, which is why in today’s episode I want to talk about retirement and retirement planning. This is something so super important but, if you’re like me, you might never have learned about any of this in school or at any other point in your life. You will likely need to go and do some research yourself. Well I hope to help you with that research a little and get you started to make sure that you are on track with your retirement plan and goals. And if you’ve never ever looked at this before,
12 - Avoid These 5 Mistakes When Creating Your Dream Life
Get your free download with the 5 mistakes
Episode #12 - Full Show Notes If you feel inspired and excited to create your dream life (and I am guessing you are as you are reading these show notes), then you absolutely want to avoid these 5 common mistakes you might end up making in the process! Many of these I myself made when I first started on my journey to building the life that I wanted. So do yourself a favour and learn from my mistakes in order to avoid them yourself! This will only speed up your path to your dream life ánd will increase your chance of success! As you're much less likely to get demotivated by setbacks.
After listening to this episode you'll know:
What the 5 most common mistakes are people make on their journey to creating their dream life How to avoid making these mistakes yourself
Make sure to get your free download with the 5 mistakes in a super easy-to-use handout to not just learn about them but also implement what you learn straight away!
The full transcript can be found at the bottom of the show notes.
Links mentioned in this episode:
Kickstart your dream life in 10 steps
You can also read a transcript of this episode below
Hello and welcome to another episode of the Financial Harmoney Podcast. This is episode number 12, with 5 common mistakes not to make when creating your dream life. And I felt inspired to record this episode as I am currently working on my online course, which I’m sure I’ll tell you more about at some point, but there I am looking at common obstacles to achieving goals. So this is part of my online course, but I thought it was so valuable that I wanted to share some of it here with everybody and not just with my online students.
So back in 2018 I was working on my very first book - the 100 Steps to Financial Independence - , that was published towards the end of that year. And I really loved the process of writing that book, just the whole thing of writing and then working together with my editors and designer.. it was just really great fun. So when I got to the last stages of getting everything ready to have the book published, I could already see myself doing that long-term. And with doing that, I mean living the writer’s life. That to me included working from home, getting up really early to write, fleshing out ideas, doing research. It just sounded like a lot of fun. And I thought: hey why wouldn’t I make this into a full time career? I realize it was a bit presumptuous of course as I had no idea whether that book was going to be well-received. And even more so, I was running my own language school together with my husband, well, I still am, so it was all a bit … well not very thought out to say that I was just going to be a writer. But in my mind I could already picture myself doing that. And I saw the romantic image of me drinking liters of tea or coffee and getting so involved in my writing that I’d forget to eat - which is actually very unlikely for me ever to happen. But anyway that was my dream and I saw lots of exciting possibilities there.
Now, as you might know, that dream didn’t become a reality. Partly because it has since morphed into a more developed version of my early stage vision, but also because there were quite a few things that I should have done differently at the time to make that dream come true. And now, more than 2 years later, I have really spent a lot of time on analysing everything and I have come up with 5 mistakes that I made and that I believe to be very common when it comes to pursuing your dream and creating the life that you want to live. So that’s what I am going to go over in this episode and I know it will give so much value to you so I think I can help you avoid making some of these mistakes and hopefully help you jumpstart your journey to creating that dream life.
I quickly want to go over what exactly I mean with a drea...
Today a super important episode on emergency funds. Setting up your 2 essential emergency funds is an incredibly powerful strategy to create a financial safety net, avoid debt and make sure you don’t need into your other savings to deal with emergencies.
10 - How These 4 Emotions Can Stop You From Achieving Your Goals
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#10 - Show notesAs much as we like to distinguish between logic and emotion and believe that we can make decisions purely based on reason and knowledge without being influenced by our own feelings and sentiments, we are influenced by our emotions a lot more than you might think!In today's episode I have a close look at the 4 most common emotions that people experience when it comes to money, that hold them back from reaching their goals. And instead of experiencing these emotions as a hindrance, I'll also show you some super easy strategies that will help you to turn them into tools that can uncover your real desires and goals, so they can guide you on your way to financial success! Our emotions are so powerful and you'll be amazed by how they can influence you on so many levels!After listening to this episode you'll know:The 4 most common emotions that can sabotage your financial dreamsWhat signs to look out for when you want to identify your emotionsStrategies you can implement to use these emotions to your advantageMake sure to grab the free download with this episode with the strategies you can use to make sure your emotions don't stop you from reaching your goals!
Links mentioned in this episode:FREE download with strategies to make sure your emotions don't stop you from achieving your goals.Kickstart your dream life in 10 stepsEpisode 7 - Behind the Scenes of my Financial Harmony DreamsYou can also download a transcript of the episode or read the transcript.
Read the transcript Hello and welcome to another episode of the Financial Harmoney Podcast. This is episode number 10: How these 4 emotions can stop you from achieving your goals. In today’s episode I’m going to have a closer look at what some common emotions are that we experience when it comes to money, and what the best way is to deal with them to make sure that they don’t impede our progress. As much as we like to distinguish between logic and emotion and believe that we can make decisions purely based on reason and knowledge without being influenced by our own feelings and sentiments, we are influenced by our emotions a lot more than you might think. The field of emotions is a fascinating part of our human minds, and as they have such a big impact on our daily lives and decision making, I wanted to dive into this topic more and uncover some common emotions that you too might have experience with, and talk more about how to become aware of these emotions, with the ultimate goal to make sure we don’t let them stop us from reaching our dreams and our goals. Just a heads up that this episode has once again a free download you can get in the show notes on ingenataliehol.com/episode10 where you can find a quick list and all the tips of what I am going to talk about today in a document you can download for free. So let’s start at the beginning, which is why emotions have such a big influence on our behaviour and decision making. As a trained neuropsychologist, I am going back to my roots here for a moment and talk a little bit about how our mind works, but don’t worry I’ll try and keep this as simple as possible. Our human brains essentially consist of three main parts.The first one is our brain stem. This is our most fundamental part of our brain and it controls most of our automatic functions. Think about breathing, our heart rate, our body temperature control and our sleep cycles. Our brain stem is at the base of our brain and is directly connected to our spinal cord that sends messages up and down our body.The second part of our brain is our cerebellum. This part of our brain is positioned just above our stem and is principally responsible for such things as movement, muscle coordination and balance.
9 - Making Personal Finance Fun with These 8 Tips
Click here for your FREE cheat sheet with my 8 tips to making personal finance fun
One of the biggest obstacles people face when it comes to personal finance and improving their financial situation is the challenge of keeping up their motivation. It isn't lack of knowledge or time or energy. As let's be honest: if you felt really excited and motivated to do something, then surely you'd find the time and energy to do so, right? But working on your personal finances can be hard, boring, slow and not really inspiring, especially if you feel you've still got a looong way to go. sighThat's why I've recorded this episode of the Financial Harmoney Podcast, with 8 quick and effective tips on how to make personal finance more fun, so that you will find it much easier up your motivation to progress, and work towards your dream life.After listening to this episode you'll know:The difference between intrinsic and extrinsic motivationHow to use both of these to your advantage8 Quick tips on how to make personal finances more funYou can also download the FREE cheat sheet with these 8 tips here or by clicking on the image below.
Links mentioned in this episode:
Kickstart your dream life in 10 steps
FREE cheat sheet with the 8 tips from this episode Episode 3 - Your Level 10 Financial Life
You can also get a transcript of the episode.
8 – 3 Modern-day Strategies to Pay Yourself First
Click here for your FREE cheat sheet with all 9 strategies
Almost a century ago, US entrepreneur George Clason wrote a highly influential and excellent book, called The Richest Man in Babylon. To this day, it is an incredibly useful and inspiring read about personal finance. Simple but effective and highly recommendable!In his book Clason coined the phrase "Pay yourself first", and almost 100 years later, this is still a wonderful strategy to approach your personal finances. But of course, the Financial Harmoney Podcast wouldn't be what it is without giving it a modern-day spin by applying this principle to more than just your finances, but indeed exploring ways to help you in your journey to Financial Harmony.After listening to this episode you'll know:What paying yourself first exactly meansHow to apply this strategy in 5 "traditional", i.e. purely financial ways3 Strategies to take the principle to the next level and apply it to your Financial HarmoneyThis episode comes with a FREE cheat sheet with a quick overview of everything I talk about in this episode, which you can use to help you plan out how to pay yourself first and to prioritize your current and future self and savings!
Links mentioned in this episode:
Kickstart your dream life in 10 steps
FREE cheat sheet with all 9 strategies to pay yourself first. Episode 7 - A Look Behind the Scenes of My Financial Harmony Dreams
You can also get a transcript of the episode.
In the past few episodes I have hinted at some of my passions and dreams and I thought it was about time to talk about my Financial Harmony dreams in more detail and finally get that out of the way! 🙂
Your net worth is a super simple yet very effective number to find out how healthy your financial situation currently is. In this episode of the Financial Harmoney Podcast I go into great detail about the advantages of knowing your net worth, how and how often to keep track of it, and how you can use your net worth to further help your personal finances.
If you have been wondering how to finally start making more money, then I think you will find this episode of the Financial Harmoney Podcast very interesting. In this episode I dive into the 7 different income streams that exist and that anybody can develop in order to build a wealthier and more secure future!
A New Year – a New You! Let’s start off 2021 in the best way possible: by setting yourself an income goal to work towards and get what you want to make, not what you happen to be making at the moment! Don’t know where to start? I’ve got your covered! Listen to episode 4 of the Financial Harmoney Podcast with 5 easy steps that will help you set your earning goals for the New Year.
3 - Your Level 10 Financial Life
Inspired by Hal Elrod’s Level 10 Life, this episode breaks down your personal finances into 10 areas, in order to analyze how successful or satisfied you are with each of them. Once you know your stronger and weaker areas, it becomes substantially easier to set goals for each area for the next few months to work on and improve your personal finances. After listening to this episode you’ll know:
The 10 key areas of your personal finances. How well you are doing in each area. What specific goals you’ll focus on in the next few months. What future goals you can work towards.
Make sure to download the FREE worksheet for this episode so you can follow along with the 6 steps and get the most out of this episode!
Links mentioned in this episode:
Hal Elrod’s Miracle Morning Kickstart Your Dream in 10 Steps Download your FREE download for this episode
You can also download a transcript of the episode.
2 - Achieve Financial Harmony With these 6 Simple Steps
If you listened to the previous episode, you might remember how I defined Financial Harmony. And if you didn’t, then I’ll tell you now: You find Financial Harmony when you:
Pursue your BIG dream life and feel excited about it; Align your personal finances and habits with those dreams, so you can direct money towards creating that dream life; Find the right balance – i.e. harmony – in your short-term as well as your long-term goals, so that you know how you want to spend your time, money and energy!
Sounds like a lot to ask maybe? In this episode I’ve broken this process down into 6 steps. After listening to this episode you’ll know:
Which 4 key priorities to focus on (your 1 BIG dream as well as 3 current focus points). How to plan in these priorities on a week-by-week basis. How to identify real saboteurs as well as fake ones. Your biggest saboteur when it comes to pursuing Financial Harmony.
Make sure to download the FREE worksheet for this episode so you can follow along with the 6 steps and get the most out of this episode!
Links mentioned in this episode:
Episode 1: What is Financial Harmony? Kickstart your dream life in 10 steps Download your FREE worksheet for this episode.
You can also get a transcript of the episode.
1 - What is Financial Harmony?
Welcome to this very first episode of the Financial Harmoney Podcast! I am SUPER passionate about finding Financial Harmony, which is why I created this podcast, as I want to help others start their journey toward finding their harmony too.After listening to this episode you'll know:The 3 pillars that form the foundation of financial harmony.Some practical examples of what your life might feel like when you don't have financial harmony.What to expect from this show so you can decide whether you might want to follow along for a while!
Links mentioned in this episode:
Kickstart your dream life in 10 steps Download your FREE download for this episode.
You can also get a transcript of the episode.