Living the dream is published on the 27th of every month by Tania Basheer of Blue Sky Coaching.
by Tania Basheer, Publisher

10 Ways to Ease Money Worries

Vol 5, Issue 6
27 December 2009

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Quote of the month

" The main reason people struggle financially is because they have spent years in school but learned nothing about money. The result is that people learn to work for money ... but never learn to have money work for them."

- Robert Kiyosaki

Next month's feature:

10 Tips for Meeting a Great Partner

In this issue:


Welcome to Living the dream, Blue Sky Coaching's monthly e-zine, written for small business owners, young entrepreneurs and service industry professionals and filled with cutting edge success tips to help you skyrocket your income, enjoy more personal time and be known as a star in your field. 

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Hi! from Tania

Hi there,

I hope you had a lovely Christmas. Here's our 2009 family Christmas photo with Santa as well as a few recent photos of Jake and Holly. Jake thinks not smiling in photos is funny - bless him.

They're growing up so quickly, especially little Miss Holly. It was great to celebrate her first Christmas. She and Jake have been spoilt, as usual, with lots of gifts, and had lots of fun at our family Christmas party! Mummy wasn't too impressed though when Jake finished the day with a pee on a little tree in his uncle Max's garden. 

Rick and I are looking forward to celebrating New Year's Eve a day early in the Barossa Valley at The Louise. Then we're off for a couple of nights next week with Jake and Holly to Victor Harbor. Oh, and we're going to fit in a visit to the giant pandas sometime too.

I hope you have a very happy New Year!

Warm wishes,


Tania Basheer - Publisher
Living the dream e-zine

Feature: 10 Ways to Ease Money Worries

Feature: 10 Ways to Ease Money Worries

How's your savings or credit card balance looking? Or are you afraid to look?  

At this time of the year, it's easy to spend BIG - on holidays, catching up with family and friends, buying Christmas presents, attending parties and then there are the post-Christmas sales!

If you're worried about the state of your finances, now's a good time to take action and to get them on track.

Here are 10 ideas to help you:   

  • Plan and start tracking your spending: Don't know where your money goes? Start keeping track of it, so you do. Knowing where your money is going each month is an important step to changing your spending habits. Write a personal spending plan so you know what living expenses you have coming up each month, such as loan repayments or rent, car expenses, groceries, clothes, telephone, electricity, entertainment, gifts, etc. Plan to set aside at least 10% of your income as savings when you create this plan too! Then, try using a device like Spendtracker to help you keep track of your spending. Don't blow what you don't spend! Save it.
  • Keep up a regular savings plan:  Have you heard the saying 'Pay yourself first'? Saving a consistent amount each week or month is difficult when you're in debt, however, as soon as you've identified where you can reduce your spending, putting aside at least a small amount each week or month is an important habit to get into to start building up some financial reserves. You can start small with a money box if you need to and then move to a savings account. Arrange for your regular savings amount to go directly into that account automatically each week or month.  By combining the power of compound interest and regular savings of even a small percentage of your earnings, you can, in time, build up reserves of $10,000 or even $1,000,000! The earlier you start saving, the better. This is a really simple, but hugely powerful lesson to pass on to your children.   
  • Consolidate your debts: Put your overspending in one place. Stop paying several lots of interest charges on each of your credit, charge or store cards each month! Transfer all of your 'maxed out' card balances to one low, or even no interest, credit card. Then, cut up the card and watch your debt decrease as you pay off as much as you can each month. Cancel each of the other cards ASAP too!
  • Keep your financial records in order: Create a filing system for your bank statements, credit cards and any unpaid bills, and set aside a regular time each week to check on their status. Schedule direct debit payments for your bills in advance so you never miss a bill payment again. Paying your bills on time means no late payment penalties or added interest charges. Be sure to always keep sufficient funds in your bank account if you're paying your bills by direct debit to avoid any overdrawn account charges!
  • Pay off your credit card balance each month in full: Aim to pay off the total balance outstanding on your credit card in full each month to limit your card purchases to what you can comfortably afford and avoid paying any interest on your purchases. 
  • Cut up your credit card and get a debit card instead: You know you're spending beyond your means when you're only managing to pay off your minimum credit card payment each month. Say 'no' to your overspending and start using a debit card as soon as possible for your purchases instead. This way you'll only be spending money that you have.
  • Pay cash and save: Always carry enough cash with you so you can pay cash for most things. Many traders will sell you the same item at a cheaper price when you offer to pay in cash. Also, get into the habit of saving up for large items rather than putting them on your credit card and then worrying about how you're going to pay for them.
  • Don't dream about winning a lottery to solve your money worries: By all means, buy lottery tickets! But, also create short and long term financial plans to support your present and future goals. A financial planner can help you do this.  
  • Learn about money and investing: Read books like Rich Dad, Poor Dad by Robert Kiyosaki and discover the difference between working hard to make money and having money work hard for you.
  • Ask for some guidance from your accountant, bank manager, a financial advisor or counsellor: If you're in a complete financial mess and can't see a way out, make an appointment to see your accountant, bank manager, financial advisor or a financial counsellor. They'll be able to give you advice, set up systems and/or re-structure your finances to save you money, make your finances simpler to manage and help you get back on track.

For more business, executive and life coaching tips to help you achieve your goals and create and live the life you've always wanted, visit: To find out more about how you can work with me personally, visit:, or call me on 0411 471 941 or (08) 8338 3134 or e-mail me on

Book-In Now for Coaching in the New Year

If you'd like to start a coaching series early in the New Year, please get in contact with me ASAP on

I'll be on holidays until Friday, 8 January. Currently, I have only have 3 coaching spots left in January, so please pop me an e-mail ASAP if you're interested in coaching next month and I'll book you in! In the New Year, I'll be available on Tuesdays, Wednesdays and Fridays. 

To find out more about working with me in 2010, please visit

Get Your Finances on Track with the Help of EFT

Do you have money-related issues? Do you shop too much, overspend, have hefty credit card debt, a gambling problem, inability to save, always paying your bills late or finding handling your money situation way too difficult and stressful?  

EFT is a wonderful tool that can help you deal with the distressing emotions associated with money problems, so you can address them from a more balanced and calm place. It can also help you to change your thoughts and behaviours associated with managing your money.

Visit to find out how you can learn EFT any time through one of my EFT Home Study packages, or call me on (08) 8338 3134 or 0411 471 941 to arrange a one-to-one session with me, either in person or by telephone.

New Year's Eve Competition

New Year's Eve Competition

Winner drawn 31 December 2009. Valued at over $150. Enter now!

WIN a copy of my EFT Home Study Package PLUS which includes a copy of my Energy Tapping Workshop DVD, a downloadable workbook, hard-cover workbook folder PLUS a 30-minute EFT phone session with me to discuss and address any specific issues you'd like help with.

EFT is a very powerful and easy-to-use technique that only takes a few minutes to do and you can quickly learn how to use it with my EFT Home Study packages. EFT can help you dissolve any negative emotions, thoughts or behaviours in just minutes! 

Previous competition winner: D. Jemson

Next Month: 10 Tips for Meeting a Great Partner

Would you like to meet a partner who's just right for you? Are you finding it's like looking for a needle in a haystack and that dating is stressful? 

Next month we'll look at ten low-stress tips for meeting that elusive partner.

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Breeze into 2010 with The Loan Arranger


Industry experts are predicting property investors will return to the market soon and housing growth is predicted to be around 20%.

At the beginning of 2009 we were saying 'How low will rates go?' This has turned around recently with rate rises in October, November and December. Rising interest rates should not be misread and cause concern that they will increase out-of-control. The positive is that we are on the way to recovery and we can all look forward to the benefits that this will bring.

I have over 18 years' lending experience. If you are interested in how you can save some $$ on your home or business loan and in structuring your finances to make things simpler, please contact me.

Doreen Brincat

Finance Consultant

0423 734 412

1st Floor

185 Wakefield Street

Adelaide SA 5000



Psyched In Stilettos


What does the universe want YOU to know?

As we complete this year's cycle and look ahead to 2010 and beyond, which goals and aspirations are you hoping to manifest? Are you living your life purpose, acting from your gut feelings and walking in an assured, focused direction towards your true happiness?

Rundle Street-based spiritual advisor 'Miss Psychette' has been channelling uplifting information for clients for the past five years, helping people to connect with their life missions, understand the karmic relationships around them, identify and release emotional/physical blocks and accelerate their success and happiness.

For your one hour consultation - and to find out what 2010 holds in store for you - call Rebecca Dettman on 0439 621 931 or visit



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Advertising Disclaimer: Blue Sky Coaching does not endorse or represent the accuracy or reliability of any of the advertisements included above or the quality of goods, services or information obtained by you in connection with engaging the services of or purchasing goods from the above suppliers.

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