WHERE ARE YOU NOW?

Each stage of life has the potential for a different financial situation and if you aren’t prepared, it can be a very stressful time. It can impact quite significantly on your relationships and everyday life. The Money Mentalist can help you and your family prepare for those big events in your life, or if you are already feeling stressed about your financial situation, we can help you get back on your feet, in control and positive about your financial future.

Find out where you are now, and take our checklist to see how you are doing with your particular situation. If you are feeling anxiety and stress about money and are not sure of how to get out of the difficult situation you are in, contact us to get back in control and a future where you know you are on the way to financial freedom.

I AM/ WE ARE….

Are you happily single enjoying life and having fun?

Nothing wrong with that at all. However, life has a habit of catching up with us and at some point you will need to review your situation and start moving out of the careless carefree stage get a little more serious (and still have fun) and make some plans for the future.

Before you take the next step here are some questions to ask yourself:

  • Where am I at right now? What do I own and what do I owe?
  • Where do I want to go? Do you want to buy a house? Pay off a student loan?
  • Are you a spender or a saver? Is your money personality getting in the way of you getting ahead?
  • Do you have a system in place to help you manage your money?
  • Do you know how much is coming in and how much is going out?
  • Do you want to stay on the same career path, or head out on your own?

If you don’t have answers to all of these questions don’t worry, we can help.

You need to think about your future.

Time passes very quickly and while it is great fun to focus on the here and now, you don’t want to walk up in 20 years time wondering what happened to all the money you earned and why you aren’t where you thought you might be.

What we can do for you

Our Money Mentalist programmes will teach you how to set and work towards reaching your financial goals.

We teach you how to understand your past, your beliefs and behaviours and how they impact on you moving forward.

We will teach you the practical skills to help you manage your money effectively whether you choose to keep your finances separate or merged. How to put a money plan in place that works for you without feeling as if you are ‘living on a budget’.

Your next step

Pick up the phone and give us a call on 09 236 0082 or send us an email with your contact details and we will arrange a time for an obligation free chat.

Are you at a point in your relationship where you are planning your future together?

You might be contemplating moving in together, buying a home and maybe even getting married and starting a family.

Before you take the next step here are some questions to ask yourself

  • How much do you really know about your future spouse’s relationship with money?
  • Have you combined your finances yet, or are you not to sure how to go about sorting it out?
  • Are you a spender or a saver? What about your partner? How do you get your different money personalities to fit together harmoniously?
  • Have you had the money conversation yet? Or are you reluctant to bring it up?
  • Have you set some joint financial goals or are you just drifting along having fun (nothing wrong with that)?
  • Have you decided who pays the bills and manages your debt?
  • What about the future, buying a house, having children? Are you on the same page about major financial decisions?

If you don’t have answers to all of these questions don’t worry, we can help.

 

As a couple you need to talk about money.

70 -80% of relationships break up over money. Don’t be a statistic. Get the money conversation out of the way early in your relationship and then you can focus on enjoying your life together. The last thing you want is money management and finance issues coming between you.

If you don’t talk about money, it is a bit like a pressure cooker; the contents build up pressure in the pot, then with a hiss and a roar steam comes pouring out and it can burn you.


What we can do for you

Our Money Mentalist programmes will teach you how to work together as a team to reach your financial goals.

We teach you how to understand your past and your beliefs and behaviours you bring to the relationship. How men and women think differently about money, some of these differences come from our upbringing and some from stereotypes. We will help you understand each other’s money personalities so opposites can get along

We will teach you the practical skills to help you manage your money effectively whether you choose to keep your finances separate or merged. How to put a money plan in place that works for you without feeling as if you are ‘living on a budget’.

Your next step

Pick up the phone and give us a call on 09 236 0082 or send us an email with your contact details and we will arrange a time for an obligation free chat.

Are you preparing to buy a home?

Buying a home is a big step. You are probably purchasing your largest asset and taking on a large amount of debt as well.

Before you take the next step here are some questions to ask yourself,

  • How do I save for my deposit?
  • How much can I borrow?
  • Have you worked out a budget once you purchase the house?
  • What additional costs will you incur as a homeowner?
  • Will you need to find flatmates?
  • Have you factored in other costs, like travel time and money if you move further away from your place of work?
  • Are you buying the house to live in or to rent?

If you don’t have answers to all of these questions don’t worry, we can help.

Welcome to the world of home ownership.

House hunting can be exciting and frustrating. You find the house you love and someone else beats you to it, or you can’t quite get the numbers to work.

Then it finally happens, you sign the documents and are given the keys to your new home. You are now on the property and mortgage debt ladder.

What we can do for you

Our coaching programmes help prepare you for purchasing your home. If you are saving, we can help you learn how to save and we also help you recognise the emotional state you will go through and how they impact on your decision making. We can look at your options from a non-emotive point of view and create various scenarios to help you make decisions about your future financial path.

We help you to reset your money beliefs and behaviours as you transition to being a home owner and managing a mortgage.

We will work with you to teach you the practical skills to help you manage your money effectively based on your change in circumstances.

We will help you build a money plan that works for you without feeling as if you are ‘living on a budget’.

Your next step

Pick up the phone and give us a call on 09 236 0082 or send us an email with your contact details and we will arrange a time for an obligation free chat.

Are you starting a family?

Exciting times! You are starting a family and number one may already be on the way. You are both over the moon but you also know things are going to have to change particularly if you want to drop to one income so one of you can stay at home.

 

Whether you are planning or have a baby on the way, here are some questions to ask yourself

  • Do we qualify for parental leave?
  • Can we manage on one income? For how long? Who is going to stay home?
  • Should we start cutting back our expenses now so we can get some savings behind us?
  • How much does it cost to raise a child?
  • Should I go back to work or be a stay at home parent?
  • What about education? Daycare, private schools: are you in agreement on the options?

If you don’t have answers to all of these questions don’t worry, we can help.

 

Change is on the way

A major change in your lives is coming. It is very easy to get carried away with the excitement of it all and spend, spend, spend in preparation for your new arrival.

This is also a good time to learn some new habits that will help set you and your family up for the future.

We are here to help support you through the process as much as possible.

 

What we can do for you

Our coaching programmes help you recognise the emotional state you are in and how that impacts on your decision making. We can look at your situation from a non-emotive point of view and create various scenarios to help you make decisions about your future financial path.

We help you to reset your money beliefs and behaviours so you can transition into parenthood

We will work with you to teach you the practical skills to help you manage your money effectively based on your change in circumstances. We will help you build a money plan that works for you without feeling as if you are ‘living on a budget’.

Are you leaving the world of being employed to being your own boss?

Whether you are buying an existing business, starting from scratch or moving to a contracting role, you are going to be ‘in business’ and life will never be the same again. You are leaving the world of the regular pay cheque and heading into the unknown.

 

Before you take the next step here are some questions to ask yourself

  • Do I have enough money in savings to cover the business start-up phase?
  • How do I manage my tax obligations?
  • How much does the business need to make to cover my living expenses?
  • Should my partner be involved with the business?
  • Do you have a business plan?
  • Do you know currently what comes in and what goes out in your personal life?
  • Are you a good money manager?

If you don’t have answers to all of these questions don’t worry, we can help.

 

Life will never be the same

Walking away from regular pay is a huge step and if you aren’t organised, it can be incredibly stressful and you can end up going backwards very quickly

You need to be prepared for the chances ahead and have a very good understanding of your financial position, both within the business and your household.

You will be learning new skills, working long hours and going from elation to frustration as you work in and on your business.

 

What we can do for you

Our coaching programmes help you recognise the emotional state you are in and how that impacts on your decision making, both in and out of the business. We can look at your situation from a non-emotive point of view and create various scenarios to help you make decisions about your future financial path.

We help you to reset your money beliefs and behaviours as you transition from employee to business owner.

We work with you to teach you the practical skills to help you manage your money effectively based on your change in circumstances.

We help you understand the link between you and the business and how they need to fit together seamlessly.

We will help you build a money plan that works for you without feeling as if you are ‘living on a budget’.

 

Your next step

Pick up the phone and give us a call on 09 236 0082 or send us an email with your contact details and we will arrange a time for an obligation free chat.

Have you just sold your business?

The years of hard work have paid off, and you have sold your business. What are your plans now? Are you going to enjoy the fruits of your labours and take some time out before starting again, or are you intending to stop work completely?

 

Before you take the next step here are some questions to ask yourself

  • How much did you realise from your business and how many years does the capital need to last?
  • Do you have other savings in a retirement scheme?
  • How much debt do you have? Will you pay it off from the business proceeds?
  • What are you going to do to generate income?
  • What are your plans now the business is sold? Travel? New home?

If you don’t have answers to all of these questions don’t worry, we can help.

 

You have cashed up one of your biggest assets

For many business owners the day the business is sold is a huge weight off their shoulders. You have probably spent many years building the business, preparing it for sale and going through the actual sale process can be hugely stressful and time consuming.

Now you have a lump of cash burning a hole in your pocket.

The temptation is to spend, after all you deserve it, you have worked hard so now is the time to enjoy and relax.

It takes a lot longer to build up your capital than it does to spend it, so careful planning is required.


What we can do for you

Our coaching programmes help you recognise the emotional state you are in and how that impacts on your decision making. We can look at your situation from a non-emotive point of view and create various scenarios to help you make decisions about your future financial path.

We help you to reset your money beliefs and behaviours as you transition from business owner to possibly an employee.

We will work with you to teach you the practical skills to help you manage your money effectively based on your change in circumstances.

We will help you build a money plan that works for you without feeling as if you are ‘living on a budget’.

 

Your next step

Pick up the phone and give us a call on 09 236 0082 or send us an email with your contact details and we will arrange a time for an obligation free chat.

Have you recently suffered the loss of a loved one?

Whether it is sudden or due to a long illness, it doesn’t make it any easier. You are in an emotional state and there are lots of decisions to be made. There may be children to consider, or a possible change in lifestyle that happens when the breadwinner passes away. As well as the impact on you personally being able to generate income while you are grieving.

 

Before you take the next step here are some questions to ask yourself

  • Where is the will, what are our assets worth and how are they split between myself and other beneficiaries?
  • I don’t have any income, how am I going to survive?
  • What do I do with the proceeds of the life insurance policy?
  • I don’t want to stay in this house; will I have enough money to buy a new home?
  • My emotions are up and down, I just can’t focus on anything, let alone the bills and the finances. Do I need help?
  • My lifestyle and expenses are going to be very different; how do I put a budget together?
  • Should I protect my assets should I enter another relationship?

 

If you don’t have answers to all of these questions don’t worry, we can help.

There will be some questions that require legal advice. We aren’t lawyers but we can certainly point you in the direction of that kind of advice.

 

This is a highly emotional time.

We recognise that this is a highly emotional time. You may be feeling overwhelmed and your emotions are up and down like a yo-yo.

Your friends and family are doing the best they can to support you.

We are also here to help support you through the process as much as possible.

 

What we can do for you

Our coaching programmes help you recognise the emotional state you are in and how that impacts on your decision making. We can look at your situation from a non-emotive point of view and create various scenarios to help you make decisions about your future financial path.

We help you to reset your money beliefs so you don’t take your old behaviours and beliefs into your future, be that on your own or in a new relationship.

We will work with you to teach you the practical skills to help you manage your money effectively based on your change in circumstances. We will help you build a money plan that works for you without feeling as if you are ‘living on a budget’.

 

Your next step

Pick up the phone and give us a call on 09 236 0082 or send us an email with your contact details and we will arrange a time for an obligation free chat.

Have you recently separated from your long-term relationship, or are you contemplating leaving?

Your relationship is over. You may still be living in the same home but you know you have reached the end. Emotions are running high, there may be children to consider, not to mention the change in lifestyle that happens when one household splits into two.

 

Whether you are the leaver or the one left, before you take the next step here are some questions to ask yourself

  • What are our assets worth and how much of them will I get?
  • I don’t have any income; how am I going to survive?
  • Where am I going to live once the house is sold? Will I have enough money to buy a new home?
  • My emotions are up and down, I just can’t focus on anything, let alone the bills and the finances, I need help.
  • My lifestyle and expenses are going to be very different, how do I put a budget together?
  • What do I need to untangle to separate my financial position from my ex?
  • How do I protect myself and my credit rating?

 

If you don’t have answers to all of these questions don’t worry, we can help.

There will be some questions that require legal advice. We aren’t lawyers but we can certainly point you in the direction of that kind of advice.

 

This is a highly emotional time

As a newly separated person, not only is this a highly emotional time but it can also be confusing about what to do next, who you need to talk to and what you need to do.

We are here to help support and guide you through the process as much as possible.

 

What we can do for you

Our coaching programmes help you recognise the emotional state you are in and how that impacts on your decision making.

Are you at the stage in life where retirement is just around the corner?

You have worked hard for many years and you are starting to think about retirement. Whether you want to retire at 65, or keep working is one of the many choices you can make.

 

Before you take the next step here are some questions to ask yourself

  • Do you know how much money you need to have to retire on?
  • Do you have retirement savings? How long will they last?
  • Will you need to generate some income in your retirement?
  • Will you keep your house? Or move to free up some capital?
  • What are you going to do with your time?
  • How much money do you need to life on to do the things you want to do?
  • Will you have debt when you retire or will you have paid it all off?

If you don’t have answers to all of these questions don’t worry, we can help.

 

You are preparing for the next stage of your life.

As we are living longer, the retirement stage of life is typically a lot later than it was a generation ago. Retirement is also a time to enjoy life, maybe do the things you didn’t have time to do when you were working and raising a family.

Maintaining your health and wellbeing is important. To do this you need to have certainty about your income and having enough capital so it doesn’t run out before you do.

 

What we can do for you

Our coaching programmes help you prepare for retirement by working through the emotional states you will move through and how that will impact on your decision making. We can look at your situation from a non-emotive point of view and create various scenarios to help you make decisions about your future financial path.

We help you to reset your money beliefs and behaviours as you transition into retirement

We will work with you to teach you the practical skills to help you manage your money effectively based on your change in circumstances.

Do you feel as if you (and your family) are drifting along?

Don’t worry, you aren’t alone. Life is busy. If you have family commitments, looking after everyone else’s needs means that getting around to planning for your own future quite often just doesn’t happen.

Life has a habit of catching up with us. So before any more time disappears, stop and start to think about your own situation.

Before you take the next step ask yourself,

  • Where am I at right now? What do I own, and what do I owe?

  • Have you started a retirement plan?

  • Are you (and your partner) a spender or a saver?

  • Do you know how much is coming in and how much is going out?

  • Do you feel you and your partner are on the same page when it comes to the household finances?

If you don’t have answers to all of these questions don’t worry, we can help.

You need to think about and plan for your future.

Time passes very quickly. You don’t want to walk up in 20 years time wondering what happened to all the money you earned and why you aren’t where you thought you might be.

What we can do for you

Our Money Mentalist programmes will teach you how to set and work towards reaching your financial goals.

We teach you how to understand your past, your beliefs and behaviours and how they impact on you moving forward. In a relationship, it is important to understand how men and women think differently about money. Some of these differences come from our upbringing and some from stereotypes. We help you understand each other’s money personalities so opposites can get along

We will teach you the practical skills to help you manage your money effectively whether you choose to keep your finances separate or merged. How to put a money plan in place that works for you without feeling as if you are ‘living on a budget’.