Road Map for Life

Dear World

Following on from our previous article COST OF LIVING, this presentation will deliver a Road Map on HOW we can actually get ON with Living Life in a way that supports us, regardless of what is going on in our World.

What we need in these times where everything seems to be accelerating at such a Fast pace that we simply cannot keep up, is a Real proper ROAD MAP for Life to guide and direct us and above all, keep us ON Track.

This is the REAL Practical Support that we can apply.

Worth taking a STOP moment to read our article –   STAY ON TRACK

Some from the ‘STOP doing this’ list and more…

STOP making Wild Promises
STOP making Idle Declarations
STOP Indulging in Fantasies
STOP Day Dreaming
STOP Dilly Dallying
STOP Escaping from Life
STOP Wishing This and That
STOP Deviating
STOP Putting Things Off
STOP Winging It
STOP Blaming
STOP Silly Mind Games
STOP Bothering Others
STOP Doing Stupid Things
STOP the Crazy Life
STOP Chitta Chat
STOP Any Regret
STOP Complaining
STOP Comparison
STOP Jealousy
STOP Imposing
STOP Repeating Nonsense
STOP Trying to Impress
STOP the Emphasis
STOP the Insistence
STOP the Expectations
STOP the Pathetic Way
STOP the Pitty Pot
STOP the Victim Mode
STOP the Fake and Phony
STOP the Late Nights
STOP Living Crazy
STOP the Double Life
STOP the Damn Lies
STOP the Dodgy Lifestyle
STOP the Vices
STOP Waiting Around
STOP the Boredom
STOP Un-Necessary Complications

We could Change the word STOP to END the…
END the Nonsense because that is what the whole list is. FACT.
Utterly and Totally UN–NECESSARY Nonsense that is affecting us much more than we realise.

First thing we need to take Action on is knocking out the ill behaviours that do not support us in Truth.

Start with the above STOP list.

If we knock out the above, which means taking a REALITY CHECK, then we stand a grand chance of actually getting ON with Living Life in a way that does not bring in worry, Stress, concern or anxiousness.

A Road Map for Living Life requires guidance and every movement we make towards Staying On Track means we can move on from the ill road that makes us do stupid things and lose our way.

This author when Consulting gives ‘Homework’ in the form of a Road Map that is bespoke to the Client or Organisation calling for Real Change.

Unless we are willing to Change, we can read and re-read and find everything out there, but they remain as Words if no ACTION is taken.

There is absolutely no point in saying yes to wanting Change but not actually making the movements to Change.

Whilst this Road Map is a general guide, it is specifically focused on the COST OF LIVING crisis we are currently in and see no way out of.

Are we ready to make changes that will support us now and going forward?

Let’s go…

Paperwork
This is a must read on our website to get the details of what and how and why we need to make this a PRIORITY in our life.
Most of us prefer digital and yet paper is still needed for certain matters and Ignoring it is not the answer.

Get your Paperwork in order. 
The Universe has order – there is no chaos there.
Tidy Up that drawer stuffed with Paperwork that holds a feeling of fear or ‘can’t be bothered’.

Utility Bills
Take a look at the utility bills and face them.
What is the tariff and is this the best provider?

Are you able to admit that this kind of stuff scares you?

Are you dreading another call in a long queue with an artificial voice not understanding what it is you want?

The key is NOT to Give Up.
Know that there is Another Way.

Utility companies are all competing – so ask friends and colleagues as you could get some useful information to then move providers.
Do not get pulled into ‘special offers’ ever. Be wise with your money.

Money Life
Do you hate checking your bank balance?

Do you live way beyond your means?

Do you Lie to your partner, Family, friends and others when it comes to your money life?

Do you Judge yourself for being bad when it comes to money?

Are you someone that others call ‘organised’ but behind the scenes there is an utter mess?

Are you the main provider at home and talk like you live the Champagne Lifestyle but in Truth it is the Lemonade Budget?

Example – do not even go there with booking another Holiday when the last one is still not paid and on the plastic.

Plastic Cards
How many do we have?
How many do we hide from others?
How often do we use them?
Do we know what we are spending on?
Do we check daily, weekly, monthly or never?

Have we considered that our Online Shopping habits maybe Un–Necessary and creating DEBT that is affecting our Health and Well-Being?

What is the ‘must have this and that’ when we are Supermarket Shopping that makes our total bill way off and unaffordable?

It is high time we get BACK TO BASICS and start to live life within our means.

That means take a proper look at what is coming in weekly or monthly or adhoc for those that are self–employed.

Now examine those cards where we tap tap and pay zero attention to what the machine took as we never check or ask.

Get a piece of paper and list everything that goes out.
Start with the absolute important stuff like Mortgage, Rent, Council Tax, Energy Bills and Car Payments.

This is 101 and cannot ever be negated.
If you are responsible for a partner or children then these essential outgoings must have your utmost Commitment and attention to detail.

Home
If the COST OF LIVING now is forcing you to adjust and it is not working, then consider moving home.

Downsizing for Practical and realistic reasons is worth far more than your likes on Social Media or what your work colleagues think.

Ask for support or do your own homework.
Consider looking at other lenders with interest rates that could make a huge difference to your current mortgage.

If you did sign up for a fixed rate that is not great, then suck it up or look at the penalty fee as it may still be worth moving to another lender as overall it works out better.
Never ever feel that there is no way out of any situation.

Those renting, consider sharing with another to reduce costs and have a better Quality of Life knowing that you are not just working where the majority of your income is paid in rent.

Move areas if needed where rentals are not so high.
Consider it as a short term sensible move, while you save money to go to an area that is considered more decent and what you want.

Realise that the situation you are in is BECAUSE you have allowed it and the answers to why are most likely in that STOP list above.

Insurance
Look at what is being paid for all types of Insurance including for the Pets. Do not just automatically renew on the next annual date.
Use that time to review other options.

Home Buildings and Contents Insurance must be reviewed annually. There is to be no comfort or affiliation and loyalty when it comes to saving money, which is possible just by moving providers.

Do not put emphasis and be fixated that you have 2 years left on a personal loan and you are locked in blah blah.
If there is Another Way then be open to it.

Paying a small penalty for getting out of a contract is sensible if it saves you money that covers that amount and more.

Car Insurance is always on the rise and it is a wise move to shop around and well worth spending time on this task.

If this is something you are not able to do or feel anxious about, ask others and be willing to get help as this is not a sign of weakness.

Some people are strong in skills we do not have and that is totally ok. Worth remembering.

Loans
How many and how on earth did they get to this stage is the million dollar question? Start Now and Review.

What is the APR on each loan?
This includes what is unpaid on plastic cards.

Consider ONE loan that is offering Interest Free.

That means all the money you pay will be taken off the loan and there is no interest to pay the new lender.
However, they always charge a fee so weigh it up if this is an option.

Another wise tip is to Focus on the smallest loan and get that cleared. Do what it takes and that includes a second job or selling items that you no longer use. There is a huge market for second hand goods of all sorts.

The feeling of paying even one loan off offers you the space to get to the next and the next if you have multiple loans.

Before you realise it you are in the movement (behaviour) of having a new Focus that is all about taking Responsibility and being Committed to actually doing something about what you have created. Yes, you got yourself the loans and now you are empowered to deal with the Debt, clear it and never ever go back on that ‘owing money’ road again.

Other Outgoings
Take a look at the last 12 months and write it down.
Each month and the amount spent on the following list.

Yes this can be done digitally on the computer with a spreadsheet.

This author is Basic Simple₁ Pen and Paper in your face Reality.

• Hair
• Nails
• Eating Out
• Take Aways
• Beauty Treatments
• Dentist
• Opticians
• Gym
• Phone
• TV
• Subscriptions
• Online Gaming
• Online Gambling
• Holidays
• Kids’ School Activities
• Night Clubbing
• Recreational Drugs
• Alcohol
• Clothes
• Shoes
• Make-Up

The above list is a great start and there may be more to add.

What Is Trending currently?
Are there a few or do we have most of the above?

Where is the wasting and irresponsibility in all of these purchases?

How did it start and how did it escalate to the point where today there is just way too much to cope with?

Can we observe that we have got addictive behaviours when it comes to that list and something drives us to go and get the fake nails again and again just like another who keeps doing the Online Gambling?

Are we aware of the Tension or constant Anxiety we hold in our body because of the above list that we are subscribing to?

What if even a few on that list can create a sense of Overwhelm as we are unwilling to face the Simple₂ fact that this is not supporting our Health and Well-Being, even if we like to convince ourselves it is?

What if we go around with the “It’s my Life, I can do what I want” narrative every day, but the Reality is it comes at a cost and now it IS affecting our Health and Well-Being?

Next –

It is very stupid to think we are not to keep asking or bothering others with our Questions₁ when we know they simply have the answers as they have mastered that area in their own life.

It is wise to admit we have issues with asking for support.
That way we know that we will be in Delay as we are not seeing it as an important Lesson in Life.

The fact is we are not Designed to know Everything in Life.
Part of our Learning is to ask for support, even if it seems small and totally insignificant. The Truth is it is not, so just ASK.

We do not know everything and asking others for help is totally ok.
We have our set of skills and others have their expertise.

By not asking we could end up doing something that will come at a higher cost and even more money wasted.

Is this making sense Dear World?

CHECKING our Bank Statements, Utility Bills, Car Payment Loans and everything that is going out from our bank account has to be looked at in detail every month.

REVIEW REFINE AND BE OPEN TO MAKING SENSIBLE CHANGES.

Ask Sensible Questions₂

Is this really needed?

WHAT is the point of this extra premium TV fee?

WHY am I paying for these Apps that I never use?

WHY am I looking at the next sofa to buy when this sofa loan has another year to run?

WHY am I decorating the kids’ bedroom yet again because they want it and pleasing them is important?

WHY am I promising pointless gifts again for Santa to deliver on Christmas Day that will be forgotten within hours or days?

WHY are we paying for the kids to have the latest phone upgrades?

WHY do I pay for the ‘Just Incase I gotta have it’ stuff?

WHY do I pay for monthly subscriptions that I don’t even know what they are?

WHY do I pay the monthly gym membership but have not used it in the past year?

WHY do I Demand a weekly wash and blow dry when my Budget says STOP now and DIY?

WHY do I need 2 extra wigs when I have over 20 in my bedroom?

WHY do I need the next fake Nails just because I want a colour change?

WHY do I waste money I really do not have on Pedicures in winter months which ruin the natural nail bed?

Plenty of Questions₁ and the Road Map is super SIMPLE₃

For most, we find it difficult when things are Simple₄ and Flowing and nothing requires any emphasis or effort.

Worth pondering on WHY Simple₁ is not what we want.

 

This Road Map guide is Super Simple₂
When things are Simple₃ they can be repeated and it gives us the time and space to just Be instead of the doing doing and going nowhere other than around and around, only to find we are not settled inside our body.

Simple₄ is not easy for most as we seem to like Complications.

Simple₁ has no stimulation and gives us a lot of time and space.

Time to Get Real and Get Honest about our Lifestyle Choices.

 

DETAIL is IMPORTANT and this is where we tend to pay the least attention.
Look at everything that is going out – Spending.

Consider an upgrade with your Self-Worth by LIVING the BASIC 101 presented on this website. See this link for the whole category – https://simplelivingglobal.com/category/back-to-basics/

LIFESTYLE Changes are a must.
Stop Avoiding and Putting Things Off.

APPLY ABSOLUTELY EVERYTHING that is being presented in this mini Road Map for Life.

For The Record
This author has worked in the UK Financial Services Industry for 20 years in her early career.

At the time she offered a “One Stop” service to private clients where EVERYTHING was reviewed regularly and that included borrowing, savings and all outgoings.

A note From The Author
I spent many years living a life of IRRESPONSIBILITY when it came to all things money.

This has been totally knocked out now and I claim to live a life of TRUE RESPONSIBILITY.

Our Finances Flow and continue to Flow when we take Full Responsibility and stop the procrastinating behaviours.

There is not a day of meandering and deviation from the Purpose of making sure ALL movements are made with the utmost dedication to firstly supporting myself in full and then others.
This is NOT about trying to be Perfect.

Wasting money on Nonsense is not my thing and will never grab me or get my attention ever.

Living Simple₂ is the way to go and it allows for more to come to me to support others, so I can be of Grand use to Humanity.

This website is one living evidence of that Grandness.

And finally, these articles are well worth reading and applying:
COMMITMENT TO LIFE
BUILDING YOUR FOUNDATION
GET ON WITH IT