The Difference Between Banks and Credit Unions
 
Here are some pointers for where to start to build some resilience into your personal finances:
1. Draw up a written record of your income and all your outgoings.
2. Keep this up to date on a month by month basis.
3. If you have a bank account, reconcile your bank statements with your financial [...]

Some clients approach me for coaching having been “forcibly downshifted” through redundancy, ill health, relationship breakdown or some other unforeseen circumstance. This list is a compilation of the most tried and tested methods for quickly cutting costs in those kinds of circumstances. Actions of this kind often leave us feeling less anxious about the future, [...]

1. Encourage single focussed activities.
2. Help them to trim down their timetable.
3. Review their diet with them to see if it can be made more nourishing and enjoyable and less processed.
4. Encourage them to walk, cycle or swim whenever possible. Make a pact to leave the car at home at least one day per week.
5. Encourage their observation skills, using all [...]

Today, I‘m treating you to a fascinating and inspiring guest article from Stella in La Palma, Canary Islands. She’s also offering an opportunity to experience sustainable living in this beautiful part of the world.
 
Stella writes:
I love getting Sally’s newsletter not just because there’s always something fresh and useful in it for me but also because [...]

In our move to a more sustainable way of living and of doing business, we know that we need to change how we act and also how we think. Our actions, after all, stem from our thoughts and, unless we change our approach to how we think, we will not manage to downshift or to [...]