Independence

Independence

What does financial independence mean to you?

Maybe you think being independent financially doesn’t pertain to you because you are in a marriage or committed relationship.

OR

Perhaps you think that if you are independent, you are excluding your family and loved ones from your financial decisions.

OR

If you’re single, it may be that you take your financial autonomy for granted. Financial independence is your way of life.

As a Financial Coach, my perspective regarding financial independence has changed drastically over the years. I used to think in traditional ways about money and independence. Through working with female clients, I have learned the importance for women to have their own sense of independence in managing their money. Statistically, we are more likely to be in situations that require us to be autonomous with money. Women live longer than men. We earn less than our male counterparts, and as a whole, we are more likely to live alone either by choice or circumstance.

While I was single, I was the only one who I needed to consider when making financial decisions. After getting married, I made the transition to sharing my finances with my husband.  These were easy tasks: creating a joint checking account, adding each other as beneficiaries on our retirement accounts, making sure that both of our names were listed on our assets, all of which felt like a rite of passage. In addition to our marriage vows, I felt these steps were a part of “sealing the deal.” It wasn’t difficult, but I now know we missed a few crucial steps in the process. Steps that would have saved us from financially stumbling and ultimately falling through the first decade of married life.

The first (and most important) step we missed was not talking about money. We were in love, and talking about it didn’t seem necessary. We were optimistic about everything! Our love buoyed us above the mundane topics, floating on the optimistic notion that this love would see us through, no matter what the future had in store for us. We had no idea of the dangerous waters churning below the surface that would pull us down to despair, almost drowning both of us.

Early in our marriage neither of us had an independent voice in making money decisions. We found ourselves making these decisions on the fly, not wanting to rock the boat. We didn’t discuss how the decisions we were making early on may have long term consequences. The tsunami of financial fallout wouldn’t overcome us for a few years, but the emotional queasiness was already taking hold. My inner voice was sending me warnings, but was drowned out by my outer voice-the one who wanted to pretend that we were navigating our finances with ease.

The next misstep was not understanding what each of us valued. I valued being perceived as being successful. I wanted the beautiful, shiny things that I thought made us look well-off. The cars, the clothes, and the perfectly decorated house, all to show the world that we were prospering. Little did I know that my husband valued doing whatever made me happy–not rocking the boat that was already being thrashed about by the huge wave of consequences that would almost sink us in the not too distant future.

Our vision for our future was wrought with unspoken truths, and navigating the unruly waters of denial would prove to drown us in overwhelming debt. There would be no future without finally speaking our truth and committing to a future by starting over. In order to save ourselves, we took the step of talking about our individual visions for the future and worked toward a common vision for us as a couple.

Sometimes, in order to move forward, we need to step back. The choppy waters of finance can be navigated by finding your voice and understanding your values and vision with money. By using these as your inner compass, you will bring true authenticity to your relationship with others, and more importantly, your relationship with money. Financial independence is the lighthouse that will keep you (and anyone you may share your money with) on the right course!

To learn more about Jane’s approach to financial independence, attend her evening retreat, Be Independent on May 30th from 5:30-7:30 pm. 

Today’s Author: Jane Helm is the Principal of Money Mentor Group. As a wealth coach, Jane combines decades of financial services experience with a degree in social work and psychology to bring positive financial change to her client’s lives. She is a Partner Coach with the Wholistic Coaching Coalition and co-founded the Build Your Own Business networking group. Jane can be reached via email at [email protected]

How to Stick with Your New Year’s Resolutions

How to Stick with Your New Year’s Resolutions

It’s that time of the year again. We are almost two weeks into the new year – how are you doing with your resolution(s)? Are you starting tomorrow or have you maybe given up already?

New Year’s resolutions are a tradition in which you resolve to change an undesired trait or behavior, to accomplish a personal goal, or otherwise improve your life. For the longest time, I did not make any, or I came up with a myriad of resolutions, but I was never committed and, therefore, never able to keep them or even remember them after a short while. This all changed when I became interested in self growth and for the last five or six years I’ve set an intention for the new year. I commit to only one.

Statistically, only 8% of people actually keep their New Year’s resolutions, so it was not surprising that I wasn’t able to keep mine. I never asked myself what the importance of this goal was and how it would improve my life. The most common reasons people can’t stick to their resolutions are lack of commitment and not having the time or energy to follow through. Nobody wants to sacrifice for something that they don’t see a lot of value in. Don’t set yourself up for failure by setting too many goals, setting unrealistic goals, or getting discouraged too easily.

You will have to make the new goal a priority and carve out time for it in your busy schedule. That means that you will have to allot time to your new goal. You will have to replace an old behavior with the new one. If you keep doing the same thing over and over again, you cannot expect a different result, right?

You might want to do some soul searching and think about last year’s resolution to see how that worked out. And if it didn’t go as well as expected, then ask yourself, “Why not?” so you don’t go the same route next time. My last year’s intention was to make more friends. Looking back, it worked out pretty well. I have made quite a few new interesting friends with different backgrounds, which was new to me as most of my friends were in the coaching and art scene. And yes, I was committed to taking the time, to be curious, looking for people in new circles, going out of my comfort zone, talking to the person next
to me sitting at the bar. That takes some courage, but it’s so worth it. And what’s the worst that can happen? And once I had made a new connection, I made sure to nurture it by staying connected, sharing and listening, and lots of fun outings. I must add that I like challenges, and new opportunities.

Setting an intent or making a resolution takes some prep work. First of all, you have to know what the new goal means to you. So I asked myself: “Why are friendships important to me and how does it improve my life?” One of my core values is being part of a vibrant community, so there was my answer.

Furthermore, I asked myself what kind of friends did I want to make? I wanted loyal and positive-minded friends with an interesting story, so the relationship would add value to my life and vice versa. What do I want to contribute to a relationship and what do I want to get out of it? I educated myself by reading up on the importance of friendships. So I put a lot of thought into it beforehand. What kept me on track was checking in on a regular basis and being compassionate with myself if I had been slacking. I just acknowledged it and did a reset.

What are the most common resolutions people make?
Eating healthier
Spending less money
Working out more

It all has to do with caring and peace of mind. But how can you be more specific so that it works for you? Let’s take a closer look at “eating healthier” and how you can stay on track. The more specific your formulation is, the easier it is to commit and stay with it. Just saying: “I want to live healthier” is too vague. What does that mean? Working out more, spending more time with your family, going to bed earlier? Be clear. Say something like: “I will eat healthier”. That’s pretty clear and now you can ask yourself questions like what is important about that to me and what kind of “bad” behavior am I going to replace with the new “good’ behavior. It takes time to get used to the new behavior, so maybe find an accountability buddy or start a Meetup. Educate yourself on the subject, discuss books, read labels, share easy recipes, visit farmers markets on a Saturday morning together. Make it a fun and exciting process.

For whatever resolution you make, be crystal clear about what you want, why you want it, how it will improve your life, and how you can succeed at accomplishing your goal. Do your research, set attainable goals and carve out time, be committed, find support, and celebrate your achievements.

Having said all that, of course you don’t have to make a New Year’s resolution just because everybody else does it. On the other hand, you can make a resolution whenever you feel like it. Once I had a client who came to me because she had no friends and desperately wanted friends but didn’t know how to go about it. “Nobody likes me,” she said. We took an in-depth and serious look at her relationship with herself. It was a rocky ride at times, but she stuck with it. There were successes and set-backs but eventually it became second nature to forge and nurture friendships. Now she says with a big smile: “Remember when I had no friends at all? Now I have too many.”

Make a positive change in your life, enjoy the process, and celebrate the outcome.

 

Today’s author: Elisabeth Vismans is a Certified Professional Co-Active Coach (CPCC), an Award-Winning Artist, and founder of Quality Within, helping women in transition to find their life purpose. She developed a unique coaching program using the visual language as an extra modality. She is also an Art Instructor and conducts painting and coaching workshops. Learn more about Elisabeth at her website: www.qualitywithin.com, or from her Facebook page.

De-Stress This Holiday Season

De-Stress This Holiday Season

We’ve gathered 6 tips from your coaches at Wholistic Woman to reduce holiday stress! We hope you can use them to be your best YOU this holiday season and enjoy the holidays with friends and family rather than suffer from stress or anxiety.

These stress-reducing tips are meaningful for men and women alike:

  • Be Curious – Stress can be cumulative; often during this time of year we may be so busy that we don’t feel it building. When tension mounts, turn to wonder. Pause and ask yourself, I wonder what’s really bothering me today? By taking a few minutes to check-in and notice the source of your stress you will gain the necessary insight to take action. Then take one small step to be kind to yourself and alleviate it. ~ Carol deLaski
  • Be Grateful – Turn your stress around by re-framing it with gratitude. When you notice a stressor that consumes your energy, try to think of something within that situation for which you can be grateful. For example: My partner and I are having difficulties, at the moment, and are fighting. I am grateful that I have a best freiend to share my feeling with today. ~ Kat Middleton
  • Be Proactive – Set the tone of each day by taking care of yourself first thing in teh morning with rituals and routines like exercise, meditation, and positive affirmations. ~ Casey Clark
  • Be Unique – Get creative with what you have; take the pressure off yourself and become a leader looking within and creating gifts that are unique and environmentally friendly by using natural resources. ~ Elisabeth Vismans
  • Be Healthy – In addition to times of celebration with friends and family, the holidays can also be filled with long to-do lists and unhealthy eating. During this time, be mindful of making food choices in moderation, staying active, relaxing, and avoiding toxic people. Be intentional about your health and set boundaries that support your well-being. ~ Kim Wilson
  • Be Generous – The holidays can be expensive, and we are often short on time during this busy season. Consider giving the gift of YOU rather than a material gift to eliminate some of that holiday stress. You can save money while giving someone a meaningful gift of your service and time after the holidays. For example, give the gift of running errands for an elderly family member or neighbor during the winter months. ~ Donna Kettell
  • Be the best YOU this holiday season and stay stress-free!

Be the best YOU this holiday season as you minimize stress and seek JOY!

Happy holidays from your Wholistic Woman coaches!

The Perfect Gift – Let it BE YOU!

The Perfect Gift – Let it BE YOU!

The holidays are here and they can bring lots of fun with family and friends, perhaps baking your favorite Christmas cookies, or decorating a beautiful tree!

At the same time, the holidays can sometimes be stressful, expensive, and leave you feeling very short on time to take care of yourself.  I might have just the remedy this year. Consider the idea of giving the gift of YOU rather than a material gift.  This can really be an especially nice idea when the whole family or several friends join in. 

What’s the benefit of doing this?  Well, there are several – you can save some money by giving someone the gift of service and your time. And you can save some time over the holiday season when your gift is “delivered” in 2018! Remember, you will have more available time after the holidays are over.  Last but not least, you can give a unique gift, one that only you could ever give — YOU!   Give your time to a family member or friend in a way that’s uniquely meaningful for them. 

Here are a just few ideas:

  • Be the gift of helpfulness to your elderly grandmother by offering to do her grocery shopping or other errands for the winter months.
  • Give the gift of a sanity break to your wonderful neighbors by offering to babysit for their small children so they can go out to dinner on their own.
  • Give your sweet parents a handmade gift certificate good for one home cooked meal at your home once a week for the year, so you can spend more time with them.
  • Offer to clean out your sister’s closet for her, since you are good at that and she desperately wants the help!
  • Offer to sit with a friend as they tackle a task they are dreading –  just the company can make the task less daunting!
  • Tell a neighbor that your gift to them is to shovel all of their snow during January, February, and March.
  • Offer your busy brother and his wife the gift of a much-needed break by driving their kids to all of their sports practices for a month.
  • Tell your good friend who just lost her job that you’ll create a fabulous new résumé with her and show her how to create a LinkedIn profile.

The key ingredient in this process is to really imagine what your gift recipient would wish for that would add more joy, relaxation, or just a great big smile on their face. Your gift will leave the recipient knowing that you really thought about them and what they truly needed in their life right now. When your gift is received, your kindness will be remembered far longer than any material gift you might have given.  

There are so many fun possibilities, and none of them cost you any time or money over the holidays. You save money, take time to do something nice for others when you have more available time, and wind up feeling pretty blessed in the process! 

Happy holidays everyone!  Enjoy the season of giving YOU!

Today’s blog was written by WWR Partner Coach, Donna Kettell.  Donna is a certified professional coach (CPC) and a master practitioner in energy leadership (ELI-MP). Her certifications were earned through The Institute for Professional Excellence in Coaching (iPEC), which is accredited by the International Coaching Federation (ICF).

Be Coached

Be Coached

What is Life Coaching?

noun: life coach – a person who counsels and encourages clients on matters having to do with careers or personal challenges.

Wholistic Woman Retreats is a community of women dedicated to being their best through personal and professional development activities and programs. One of the ways we do this is through our ‘Be You’ Evening Retreat series where certified professional life and business coaches facilitate programs aimed at teaching tools and strategies that will help you more consistently be your best, no matter where you are or what you are doing.

Our programs are unique because we use a coach-approach. A good life or business coach knows how to ask the right questions to help you uncover what is best for you!

It is very common for participants to leave the Be You Evening Retreats feeling energized, excited to begin practicing new tools, and hungry for more! Our last ‘Be You’ event for this year will be on Wednesday October 25 and is titled Be Coached.

Be Coached will be a little different than the other retreats this year. Instead of being facilitated by just one coach, there will be five coaches on hand. Each one will lead a coaching discussion on the topic that they presented earlier this year.

All are welcome! Whether you attended the programs earlier this year or not, this night is designed just for you!

If you missed a ‘Be You’ retreat…this will be your chance to catch up and hear highlights of the topic.

Or

If you attended the original workshop and now you’re ready for more…this will be your chance to check-in and go deeper. You’ll have the opportunity to share where you are being successful putting the tools into practice as well as where you could use further development.

So, whether you’re catching up, or continuing to learn, this event will be a great capstone on the year of Being More You!

At Be Coached, you will have the opportunity to visit 2 different discussions, so start thinking about the two that are right for you. Tables will fill on a first come, first served basis, so register for the retreat now and plan to arrive early to get your first choice and continue your personal development journey with us.

  1. Be Balanced – Coach Carol will lead a discussion to better understand Wholistic Balance of heart, mind, body, and spirit. She will introduce and review tools to help you achieve the balance that is just right for you.
  2. Be Positive – Coach Kelye will help you understand the science of positive psychology and share tips to become more aware, and intentional, about increasing your happiness levels.
  3. Be Clear – Coach Laura will discuss boundaries, focusing on the challenges and as well as the benefits of setting clear boundaries with friends, families, and at work.
  4. Be Energized – Coaches will discuss the benefits of regularly using affirmations; noticing that what we say to ourselves affects our energy and our ability to move forward.
  5. Be Financially Fearless – Coach Jane will help you identify your inner mindset around money and show you how authenticity, gratitude, and calm can radically change your relationship with your finances.

This event is your opportunity to experience what it is like to be coached in small groups. Please consider this your invitation to join our coaches and our dynamic community of women-on-the-grow!

Come on your own or bring a friend. We promise you will feel welcomed and accepted.

We look forward to seeing you there!

Register here.

Today’s author: Laura Hall, CPC, CDWF: As a certified professional coach since 2009, Laura Hall, Certified Daring Way™ Facilitator has been helping people just like you make changes in. As a mother of 2 girls, Laura has a special interest in coaching parents, so if you still have children living at home, ask Laura about her Wholehearted Parenting programs. Laura can be reached via email at [email protected] or feel free to visit her website HallCoaching.com