Moonbeams

Money saving tip for Swofties

Make sure you switch off appliances completeley when you are not using them. Standby costs big time!

I would love to hear your money saving tips to share with others

If you want to learn more about how women over fifty can fund their dreams then don’t miss today’s interview with Loral Langemeier, New York Times best-selling author and a leading motivational speaker.

Loral has spurred thousands across the United States and beyond from dazed apathy and fear of finance to millionaire status by giving them the simple tools to launch innovative businesses that generate cash and build wealth.

http://talkingprimetimewomen.com/loral

Money saving tip for Swofties

Invest in a slow cooker. It’s much cheaper than convenience food and much nicer too! I use ‘Pour and Store’ bags (available from Tesco) which are great for bulk bolognaise and stews and ensures I always have something to pop in the microwave when I feel too tired to cook.

If you want to learn more about how women over fifty can fund their dreams then don’t miss today’s interview with Loral Langemeier, New York Times best-selling author and a leading motivational speaker.

Loral has spurred thousands across the United States and beyond from dazed apathy and fear of finance to millionaire status by giving them the simple tools to launch innovative businesses that generate cash and build wealth.

http://talkingprimetimewomen.com/loral

Money saving tip for Swofties

If you buy magazines regularly, take out a subscription and save money or even better, use loyalty vouchers from your supermarkaet to get them for FREE. I would love to hear your money saving tips

If you want to learn more about how women over fifty can fund their dreams then don’t miss today’s interview with Loral Langemeier, New York Times best-selling author and a leading motivational speaker.

Loral has spurred thousands across the United States and beyond from dazed apathy and fear of finance to millionaire status by giving them the simple tools to launch innovative businesses that generate cash and build wealth.

http://talkingprimetimewomen.com/loral

Retirement planning- Why we should plan our retirement

 
Retirement is one of the most significant changes you will ever experience and one of the greatest social experiments of our time.

Retirees today are much healthier, more active and can expect to live longer than they could in the past. In 1951 there were fewer than 300 centurions alive in England and Wales. By 2036 statistics suggest there could be more than 40 thousand. We are in a unique position and facing a future that looks nothing like our parents second half of life.

Unlike our parents, for whom secure jobs and pension-funded retirements were the norm, we need to be self reliant and self-starting. This is because changes taking place in Government policy and in the workplace are placing increasing pressure on us to take personal responsibility for aspects of our lives, which were previously performed by outside agencies such as health professionals, teachers and the Government.

Despite the significant changes taking place, we are living in today’s world, and planning yesterday’s retirement. If you are aged between 40 and 60, you are a guinea pig without knowing it. Let’s look at some of the reasons why.

•    It is anticipated that life expectancy will continue to rise. The population aged 80 and over in 1998 of 2.3 million will gradually rise to nearly 6 million by 2050.

•    Attitudes regarding health and well-being are short sighted. Our lifestyle habits such as diet, smoking and drinking, illustrate the extent to which we prioritise the present at the expense of the future.

•    When it comes to planning finances, our disregard for the future is blindingly obvious. Many of us are saving nothing or too little towards our retirement. Increasing levels of debt are being accrued and many of us are unaware of the difficulties we will encounter later in life, or are unsure how to plan for them.

•    Our retirement plans are reflections of those of our grandparents or parents but our chances of living a long life   are not. We’re living in the 21st century and planning a 20th Century retirement!

•    Because people are living longer, many of us are spending our retirement caring for older relatives.

•     As many parents now go to work, grandparents are playing a larger role in caring for grandchildren than previous generations.

•    The percentage of people in mid life who are divorced or separated has more than doubled over the past 20 years. This will place greater demands on people’s abilities to self manage their lifestyles. This was less necessary in the past, when the overwhelming majority were in stable couple relationships.

Up to now retirement planning meant, ‘Do you have enough money?’ because retirement planning comes from financial planners and life insurance agents. However there is increasing awareness that if we are going to be spending 25 years or more in this phase of life, we need to plan for it properly and well in advance. Unfortunately most people spend more time planning a holiday or buying a car than a 25-year retirement!

When approaching retirement we need exactly the same process of self-analysis and sound consultation that we would receive from a competent career advisor if we were going through a job change. As job changers need to generate career options in a clear and understandable way, pre retirees need the same option generation process but with slightly different, content and goals and an entirely different purpose. People retiring at any age need plenty of options.

Everyone approaches retirement from a different point of view.     Some of us will cope with it well, while others will approach it with uncertainty and even fear.

Nobody knows how long he or she is going to live and most people want a long and fulfilling life. This is an ideal, which few people achieve, but with planning and timely action, it is now attainable.
         
Personal retirement planning helps people extend choice and control in the transition from work to retirement, through coaching designed to help gain new perspectives and possibilities.

Your retirement will be as unique as your fingerprint. With professional coaching and effective planning you can transform how you approach retirement and the enjoyment and fulfillment you get from it.

Make the most of the opportunities it can offer and start planning now!

If you have enjoyed this post and are thinking about your retirement transition check out this interview with Ann Harrison. Available TODAY only

http://talkingprimetimewomen.com/st3ephia/

           

Retirement tip for Swofties.

Activate your ‘want’ list. What is it you have always wanted to do but never had time for? Start a list of your unfinished goals, whether it’s learning a language, travelling somewhere new or taking up belly dancing.Go girl!

If you have enjoyed this post and are thinking about your retirement transition check out this interview with Ann Harrison. Available TODAY only

http://talkingprimetimewomen.com/st3ephia/

Retirement tip for Swofties - Change your perspective.

 Understand that retirement is a relatively new concept. Before state retirement pensions were introduced and retirement began to be seen as a reward for hard work and as a right to an extended period of leisure, older people remained productive members of society, relied upon for their insight, wisdom and skills.The retirement landscape looks very different now.

If you have enjoyed reading this post and are thinking about your retirement transition check out this interview with Ann Harrison. Available TODAY only

http://talkingprimetimewomen.com/st3ephia/

 

Retirement tip for Swofties.

Make sure you review your finances. Living longer requires more money, to fund additional post work years. Consider options for a new career, set up your own business, plan a way to earn income from your hobbies or downsize your life so you can save more.

Best of luck!

If you have found this post helpful and are thinking about your retirement transition check out this interview with Ann Harrison. Available TODAY only

http://talkingprimetimewomen.com/st3ephia/

Secrets for Swofties - Five steps to manage your retirement transition

Retirement is a major life change like marriage, divorce and bereavement and while some life changes can be anticipated like getting married, others are unexpected like losing your partner. Change is hard. If it was easy, we would all lose weight, stop smoking, exercise and quit that dreaded job. However, it’s one thing to make a change but totally different to experience the transition that comes with it.

Change is an action or event. Examples of this are, divorce, redundancy and retirement. Transition is the psychological process we go through, the emotional and mental "reorganization" that we always go through when we make a change, no matter how big or small the change might be. The process is inevitable and not always pleasant. Sometimes we feel insecure about the decision we have made and our competence to follow through. We might also feel sad about the loss of our previous life and all that went with it.

So, if we use divorce as an example, receiving the Decree Nisi is the change, while the process of becoming a single woman, developing an independant life is the transition.

One of the ways to help us manage change and transition in our life is to think about a previous change we have been through, for example staring our first job, getting married or losing our mother or father. Think about a life change you have experienced and use the following five steps to see how you manage change successfully. You can then use what you have learned to plan your retirement.

1.       What feelings did you have before the change?

 

2.       What helped you come through the change successfully?

 

3.       How did you feel when the change was completed?

 

4.       What/who helped you to move on?

 

5.       What practical support were you able to make use of?

 

So my secret is, use past experience of how you managed change to help plan your retirement transition. Go girl!

If you have enjoyed this post and are thinking about your retirement transition check out this interview with Ann Harrison. Available TODAY only

http://talkingprimetimewomen.com/st3ephia/

                                                                

Secrets for Swofties – How to create a winning profile for on-line dating

The user-name you choose will say a lot about you, so think carefully about it. I would maintain anonymity at this stage and not use my own name. What message do you want to reflect your personality? Is there an animal or metaphor that describes you? For example you might choose a Dolphin to identify with its caring disposition and playful nature. If you also like travelling you might come up with Travelling Dolphin as a user name.

2.   Your picture tells a thousand words

Increase will increase significantly if you post a good picture of yourself. Use a recent one as you don’t want to experience the look of disappointment on the face of the person you met on-line when the truth is revealed!

3.   Create a captivating headline

Your headline is important as it will be the first thing a person sees alongside your picture. Make it witty, catchy and compelling enough to make the persona want to find out more about you. A unique and engaging headline will make you stand out. You could use your user-name to inform your headline. For example ‘Restless Dolphin seeks kindred spirit’

4.   Write an engaging profile

•  Browse people you might be interested in and identify what you like about their profile, to guide writing your own.

• Ask questions to make it easier for prospects to respond to e.g. I have visited the Gambia and fell in love with its’ people who are always happy. Have you visited somewhere that inspired you?Include your hopes and dreams. If you haven’t realised them yet, there maybe someone who could share them with you.

•  Include your hopes and dreams. If you haven’t realised them yet, there maybe someone who could share them with you.

•  Show your sense of humour rather than saying you have one e.g. ‘I loved the scene in One Flew over the Cuckoos Nest where Jack Nicholson steals the boat with the inmates.’

Lastly keep it short and succinct. After all you want to keep something to follow up with when prospects call!

If you’ve enjoyed reading this post, and would like to know more about fomding love the secont time around, check out this interview with Susanne Jorgensen , available TODAY only. http://talkingprimetimewomen.com/4oasw0es/

 

Are you worried about change?

The phrase “change is the only constant" has never been more apt than in the current environment where we constantly hear stories about cuts, increased overheads, competitive pressures and double dip recession.  How we deal with the changes, will really determine our success as independent women.

Now as I was wondering what message I could give that would inspire you to continue adapting and adopting new ways of doing things, I came across a powerful story that sums up how we should all respond to change.

I must point out that although I don't agree with the farmers tactics, the gist of the story is really important.

     THE WISE OLD MULE

 

    Once there was a farmer who owned an old

    mule that accidentally fell into the farmer's

    well. The farmer heard the mule 'braying'- or

    whatever mules do when they fall into

    wells.

 

    After carefully assessing the situation, the

    farmer sympathized with the mule, but

    decided that neither the mule nor the well

    was worth the trouble of saving.

 

    Instead, he called his neighbours together

    and told them what had happened...and

    enlisted them to help haul dirt to bury the

    old mule in the well and put him out of his

    misery.

 

    Initially, the old mule was hysterical! But

    as the farmer and his neighbours continued

    shovelling and the dirt hit his back...a

    thought struck him.

 

    It suddenly dawned on him that every time

    a shovel load of dirt landed on his

    back...HE SHOULD SHAKE IT OFF AND

    STEP UP! This he did, blow after blow.

 

    "Shake it off and step up...shake it off and

    step up...shake it off and step up!" he

    repeated to encourage himself. No matter

    how painful the blows, or distressing the

    situation seemed, the old mule fought

    "panic" and just kept right on SHAKING IT

    OFF AND STEPPING UP!

 

    You're right! It wasn't long before the old

    mule, battered and exhausted, STEPPED

    TRIUMPHANTLY OVER THE WALL OF

    THAT WELL!

 

    What seemed would bury him, actually

    blessed him...all because of the manner in

    which he handled his adversity.

 

    THAT'S LIFE! If we face our problems and

    respond to them positively, refusing to give

    in to panic, bitterness, or self-pity, we can

    overcome them and move on to a life of

    luxury.

 

    The adversities that come along to bury us

    usually have within them, the potential to

    benefit and bless us!

  

Remember to continue Creating Positive Change in your life as you move towards a new beginning.