Finding Financial Peace of Mind

As we enter a month focused on peace we thought we would give you some ideas on how to bring financial peace into your life. We think of financial peace as not worrying about financial matters. This doesn’t mean that time and energy is not put into financial matters just that the time and energy put in this area is positive.

One of the steps in achieving financial peace is to work on “knowing” instead of “believing”.   As Richard Carlson states in the book Don’t Worry, Make Money, “…the moment you decide that what you knew is more important than what you have been taught to believe, you will have shifted gears in your quest for abundance. Success comes from within, not from without. It begins by listening to your inner calling and wisdom. What do you truly value and enjoy? What is your heart trying to tell you? Is there something that you have an inner need to pursue? These are the types of questions that will put you on your path to greatness. Once on that path, you will discover your own unique way to make the path an enormous success and a great deal of fun.”

It can be difficult to let go of those things you have been taught to believe- through family and friends, media, books and other resources- but allowing your inner knowing to be heard will bring you peace in many areas of your life.

Another area to think about when considering your financial matters is to not rely on too much data. Data can be helpful but in today’s day and age there is an enormous amount of data available to everyone. From the book Don’t Worry, Make Money another section gives advice on how to do this and why as follows: “The next time you find yourself filling your head with facts and stewing over data, take a step back. See if what you are doing is really going to help you out, make things better- or are you simply postponing the steps that will actually bring about abundance? Be completely honest with yourself. Perhaps, instead of studying facts, you should pick up the phone and make a call. It’s very possible you have all the data you need and the simple decision to stop worrying is the most important thing you could be doing.”

So in this time of year where peace is on our minds we wish you and your family financial peace. If we can help you achieve this please contact us at 330.721.1410 or through our website www.hhlgroup.net.

Creating Your Financial Sanctuary

Sanctuary has many meanings.  One of these meanings is “a place of safety.”  One area many people tell us that they don’t feel safe is in the area of money and finances.  In the last few years especially, we have heard this over and over.  The following tips are not meant to be all-inclusive , but are ideas to help you begin to feel some safety, some sanctuary, with money and finances.

TIPS

1.    Reduce credit card debt: Many people have gotten into trouble using credit cards to live on and now are under a mountain of credit card debt.  Once the credit card debt piles up it’s very difficult to pay it off so if you do have credit card debt make it a priority to pay it off as quickly as possible.  Start with the card(s) that have the highest interest rates and pay those off first.  Stop using credit cards if possible.  Keep one card that is a rewards card and keep a second card that should only be used for emergency expenses.
2.    Know what you are spending your money on: Budgeting is as important for businesses as it is for individuals.  It gives you an opportunity to review where you are spending your money and where you want to be spending your money and making sure you can cover those items with your current income.  Equally as important as preparing a budget is looking at it and comparing what was actually spent  on a regular basis.  Then use the comparison to adjust spending if needed.

3.    Save as much as you can: It is important to save money for a “rainy day” or for a life event (getting married, retiring, education).  Here is where a budget can help as well since you can plan for   savings.   Once you figure out how much you can save  set up an automatic deposit into an account (such as a savings account, 401k or Section 529 Plan).   This is enforced savings—the money can’t be used for other expenses.

4. Buy insurance wisely: Everyone needs insurance for catastrophic circumstances, but you want to be sure you have the correct insurance for potential issues that might come up for you in your life.  Find and use a knowledgeable insurance agent to help you determine what insurance you need.

5.    Use financial advisors wisely: To assist you in setting up and maintaining your financial safety plan, financial advisors can be priceless.  There are different types of advisors so you should understand those types and what they can contribute to your overall financial plan.    After you have chosen your advisors, use them.  Tap their knowledge and skill set.

HHL Group, Inc. provides services which will help you and/or your business review your financial “sanctuary”.  Contact us today at 330-721-1410 or at http://www.hhlgroup.net/ to set up a free 30 minute consultation.

“Flow” with Financial Freedom

Written by Sanctuary owner and Intuitive Life Coach, Nancy Nicholas

My own personal journey seems to be working right along with the Sanctuary focus word of the month. Is that happening for you? So far, I’ve worked on surrendering my fears (January), defining what I want (February), and now learning how to flow where the Universal energy is leading (March).

One area I find a challenge to “flow” with is money. Since the time I was a teen whose father was patiently trying to teach her how to do her very simple tax return (while I ranted and raved), up to today, I’ve found all matters financial to be very stress inducing. Frankly, I’d rather go to the dentist then go talk to someone about money matters.

That is until I experienced financial coaching at HHL Group, Inc.

My husband, Jeff, and I decided to take advantage of the special package being offered by Sanctuary member, Laurie Price of HHL Group, Inc. for 3 one hour financial coaching sessions. We had our first session over the weekend and it was amazing! Amazing doesn’t even cover it…let me put it this way…Jeff and I came home smiling …yes, smiling…and considering how we usually react to this type of thing, this was a complete miracle!

So why was it a wonderful session?

First, the session was empowering. Laurie helped us see where we have made good strides financially and also had excellent suggestions how we could save money on our taxes and also keep building for our future. She helped us feel confident about our options instead of making us afraid.

Second, the session provided the conversation and additional tools to help us get a clearer picture of our wants, needs, and dreams for our financial future. I’m actually looking forward to filling out the questionnaire she gave us because it will help us clarify where we want to go.

Third, Laurie was clearly very knowledgeable, wasn’t trying to sell us anything, and came from a holistic point of view. She paid attention to the details but also kept refocusing us on our overall goals.

Finally, I came away from the session filled with hope that our dreams for our careers and the life we’d like to lead might actually be possible. Hope is really the most precious of gifts.

Are you ready to start flowing with financial freedom?

If so, you may want to try financial coaching. It’s a fresh approach that provides financial guidance with out a sales pitch from a holistic point of view.  Mention Sanctuary when you call to schedule your appointment and you can participate in a special offer for the month of March ($250 for 3 one hour sessions/normally $300).

To learn more about HHL Group, Inc. and financial coaching options, click HERE.

Nancy Nicholas is an Intuitive Life Coach who works with clients who are feeling powerless because of a relationship, health situation, job, family matter, or other concern. She offers Empowerment Readings which combine Divine guidance with practical coaching tips to help her clients make the necessary changes to move into a better situation. Readings are available by phone or email. Visit her website to learn more and to get your free Divine Purpose Survey! www.EmpoweringLightworkers.com