How To Live Like A Millionaire (Even When You’re Broke)

More money: that’s what 81% of us want. That’s probably what you want.

And it’s not for fancy holidays, or boats, or big houses, either. Most people have already given up on that. They are struggling just to pay their rent and basic expenses.

Most people are struggling to save anything at all because their expenses are so high and their jobs don’t pay enough.

It gets worse…

85% of people are feeling so much anxiety over money, it is actually having a negative impact on their health and relationships.

So, what’s the solution?

For many of us, the answer is simply adding more to their income. They pick up extra hours at work, get a second job, start a home business – some sort of money-making activity. They think that working longer and harder, hustling and grinding is the only way out.

More hours at work means fewer hours with friends and family. It means less time for yourself and the things you really enjoy. It means more stress, more pressure and more anxiety.

I don’t know about you, but that sounds like an exhausting – and frankly, truly unhappy – way to live. Are you there right now?

Here’s the good news: more hours are not the answer. Becoming a millionaire is not about doing more, working more, adding more to your already overloaded life.

Now, here’s the part you might not want to hear. More money isn’t the ultimate answer, either. Sure, more money can help you pay the bills. It can help you get a nicer car or a bigger house. But it also means higher bills, more stress and inevitably, working even more hours trying to keep up.

The answer to getting ahead is living like a millionaire.

You might be saying, “but I don’t make anything close to the money a millionaire makes.”

That’s okay. Most millionaires don’t become millionaires by actually generating millions of dollars in income. There are millionaires who make less than £60,000 a year! The key to becoming a millionaire is learning the principles that millionaires know and use every day.

I want you to imagine something for a minute. Imagine what your life would look like if you didn’t have to stress out about money.

Imagine feeling confident that your bills would get paid, your kids would get fed and the money you already worked for was reproducing itself for you.

Imagine spending more time with your friends and family and doing the things you actually enjoy doing. I mean really picture yourself living that life. Got it?

Now, what if I told you that life was not only possible, it’s actually simple. (Notice I didn’t say easy, there is a difference). It starts with reshaping how you think about your day-to-day life in three key areas: your spending, your earning, and your time.

1. Spending

Do you imagine that eating like a millionaire means steak every night, fancy meals out and expensive wine? Nope. Not so. People who are truly wealthy aren’t blowing chunks of cash on new Mercedes, designer clothes and yachts, either.

Here’s the secret: ready for it? Living like a millionaire means living below your means. If you want more money, you simply have to start by spending less of it. Society has sold you a lie about what it means to be successful. Society tells you that success is a big house, a nice car and a bunch of stuff.

What they don’t tell you, is what you sacrifice to attain all those things. I don’t know about you, but success for me is happiness. It’s quality time with my family. It’s working without the stress of keeping up with endless bills.

It’s not owing a single penny to anyone. It’s spending time cooking good meals with my family. It’s taking care of the poor. It’s traveling the world with my husband.

It’s living in peace, not striving to maintain a lifestyle that someone else told me I should want.

What is your personal definition of happiness? Get a piece of paper and write it down. I bet it has less to do with spending money on a bunch of expensive junk than you might have thought.

When you want to spend that extra three or four pounds at the supermarket on some processed convenience food, or you are really dying for that designer pair of shoes, or the latest and greatest smartphone, think about your personal definition of happiness. Is spending that money going to help you get there? If the answer is no, put it down and step away!

True wealth is built in those tiny decisions. Those decisions become habits, and those habits become second-nature. Before you know it, you are well on your way to building that bank balance and accumulating wealth.

2. Earning

Making more money is totally useless if you don’t master the millionaire success secret of spending less. Did you know that 70% of lottery winners go broke within the first few years of winning? There is a shift that has to take place in your mind before earning more money will actually help you solve any of your problems.

See, millionaires see their money differently than most people. Money is not happiness, love, safety or security. Money is not the secret to a better life. Money is a very powerful tool that can do great things, but it’s not the end-goal. Remember that definition of happiness you wrote down? That’s the end goal. And making more money CAN help

But, the secret to making more money is to stop stressing out about making more money! I know I know. “Andrew, I’m in over my head. I’m drowning. I can’t pay my bills.” I understand that money can feel like a life preserver. But, if you want to make more, you have to stop working under the stress and pressure of striving to make more, thinking it’s going to bail you out.

Instead, focus on raising your value. Your value is what determines your income. Yes, it’s that simple. So, what makes you more valuable? Your skill set.

The number one thing that will raise your value to your employer is to become really good at solving problems. And don’t try and guess about what those problems are. Go straight to your boss and ask:

“What problems are you running into? What will help you reach your goals? What will take some of the stress and pressure off of you?”

Get really good at helping other people get what they want. That might mean you learn some new professional skills that are sorely needed in your company. It might mean learning better people skills that will help resolve conflicts and create a more peaceful work environment.

It might mean learning some time management strategies so you can take a few tasks off your boss’s overloaded plate.

The same principle applies if you are a business owner. Find out exactly what your clients want, and then help them get it. Don’t badger and beg them to do what you want. Aren’t you turned off by a pushy salesperson trying to convince you to buy something you aren’t sure you want?

Helping other people succeed has always worked for me. It’s my number one key to building my businesses.

Which brings us to…

3. Time

In your personal definition of success, what does your time look like? Does your definition of success include working 80-100 hours a week? Mine sure does not.

We’ve all heard the expression “time is money.” That can be true, to an extent. But only if the things you fill your time with are producing results.

Those of you who get paid hourly are saying, “Nuh-uh, Andrew. If I work more hours I get a bigger wageslip.” Wouldn’t it be better to make the same amount of money working fewer hours?

Let’s talk about some things that do not produce results: scrolling through social media, taking personal calls and texting during work hours, gossiping, researching, planning and strategising without ever taking action, analysing meaningless data, checking your email every 5 minutes, multitasking, procrastinating, especially on big projects, meetings without a purpose or scheduled stopping point, inefficient processes.

Some of those things are obvious, and some of them are less obvious, but it’s easy to let your time get sucked away into meaningless tasks if you don’t have a plan for it. The most efficient team in our business right now is the team that works on improving themselves, and it’s because we can only focus on the things that bring us the desired result.

We have time blocked out for each task that must get accomplished that day, and a plan for exactly how to accomplish that goal. Each one of us involved in the process has one task to focus on for that block of time, and there is zero room for distractions. At the end of every day, we have a win in the form of increased customers and income.

What if every person ran their day like that? Try it. For each day or week, write down the tasks that must get accomplished. Now, this is the important part: make appointments for each one of the tasks you just wrote down on your calendar.

During that appointed time, you are 100% focused on completing that task. You will be amazed how much you can get done! Not to mention how much time you have for other tasks.

Next time your boss says, “Hey, can you take on this project,” you’ll be able to say, “No problem, I can fit that in right here on my calendar.”

The result is, well, more results! The more results you produce, the more you raise your value. And, as we just discussed, the higher your value, the higher your income. On top of all of that,  you’ll be way less stressed out because you have a simple action-plan to tackle everything you have to get done.

When you reduce the hours you spend working, you increase the hours you spend doing the things you actually enjoy: time with your family, playing a sport, learning to cook, spending time outdoors, reading a good book, volunteering, getting involved in a ministry, traveling, whatever it is you want to do. All without guilt, pressure, and stress about making more money.

Okay, ready to live like a millionaire? Put these principles into place that will take you step-by-step through the millionaire success secrets that will not only help you make more money and keep more money, but will also show you how to build true wealth in every single area of your life.

Now thats this one done for now.

I wish you every success, and hope your day has great you.

Andrew 😃

Motivating People From Where They Are – FPUK.co – Andrew Chenery

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Hi Friend,  How is your new week shaping up? I am so proud of you for being a person who wants more out of their life and is working to achieve your goals and better yourself.

You might be doing great but when you look around, are you starting to see others give up? They set this goal and now they’re already going back to old habits?

Clients have asked me before, “Andrew how do I motivate others to succeed, as well?” It can be frustrating to see those you are close to start things and then give up! I’ve run into this with my kids a lot, my wife and even in myself.

To answer your question, let me share a story. You may or may not know this, but I went through a bad period of being stressed, depressed and entertaining dark thoughts. It lasted for 9 solid months before finally getting so sick and tired of being sick and tired, I decided to do something about it.

If you had tried to motivate me anytime during those months, I wouldn’t have listened. Mainly because I was busy having a pity party and enjoyed blaming everyone else. I just wasn’t ready.

A lot of people say they want success, say they want to lose weight, make more money, get a better job. But they really don’t! And that is okay. We are all at different points in our journey.

You can try to push people out of their ruts, but they might be having fun in there. I wasn’t ready to listen until month 10 of being in that place. Who knows how long it will take others to be ready to listen or actually pull themselves out of the hole!

So what are you supposed to do in this situation?

The only thing you can do… love people where they happen to be in their life. Support them right where they are, realizing they might be at a different place than you in their life journey. When you are there for them, you will learn what motivates them and can just encourage that particular hot-button area!

It puts stress on your relationships when you to try to force others to succeed. And if you push, you will push them away. It shows you don’t support them in their struggles. It shows them your agenda is more important than theirs.

Are you ready to encourage and love others where they are right now?  Leave me your comments and don’t forget to Like and Share this message. If you’re looking for more tips to decrease stress, better your relationships and uncover new strategies for success, join us by subscribing to this blog.

Thats it for today – I hope you have an amazing day

Andrew 🙂

If you would like to start earning an extra income without affecting what you currently do click here

Understanding Depression – FPUK.co

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Have you ever been plagued by depression? Yes, “plagued,” because it affects nearly 1 in 4 adults in the UK alone! Not to mention the number of adolescents who must deal with depression daily.

What does depression look like for you? You can’t concentrate at work, you’re exhausted, feeling hopeless, empty or alone? A lot of people suffer from depression, but it is rarely acknowledged or treated.

You can numb it out with medications without ever dealing with the actual root of it. Unfortunately, unless you get down to real cause, your problem will not just go away!

I’ve spoken with several people who had dealt with depression for decades. And even after 10-20 years worth of antidepressants it didn’t solve their problems!

One woman in particular, Barbara, mentioned that her mother called her lazy when she was growing up! She didn’t even know she was coping with depression until many years later.

If you’re a parent, this is important! Depression can seem like laziness or some sort of choice, but it could really be your children dealing with a much larger problem.

The only thing that is going to solve your depression or your child’s, is going back to the root of the issue and throwing out that nasty rubbish. For some people, it’s their parents’ divorce, a bad relationship break-up, abuse, or some type of unforgiveness that has sewn a rotting, stinking seed of depression in your life.

And do you know how that seed gets fed? This is important for those of you who are not struggling with depression, but could be close to that full-out battle. You feed that seed by focusing on it. How you think, determines what you speak, and what you speak then determines how you live (or don’t live). What you feed will flourish and what you neglect will die.

If you’ve been speaking death over your life, your dreams, your actions or even over your kids – that needs to stop!

Are you ready to move past the hopelessness? Let me know in the comments and be sure to share today’s message with your friend’s and family by hitting Like and Share.

Thats its for now – have an amazing blessed day whatever you do.
You have one life – make it count.
Andrew 🙂
07930 464461
01394 549364
FPUK.co

Network Marketing Explained – FPUK.co

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Hi Friends

What is Network Marketing?

Network marketing is something that allows you to create a lifestyle, that will bring you more income than the highest paid professional you know.
Its something that allows you to do what you want, when you want, in the fashion that you want to do it in.
That sounds great but what are we doing?
Basically when a company starts up, they need to get the word out about their product or service, so typically they have a certain percentage of their advertising budget thats set aside for billboards, radio, TV, newspapers, magazines, national sports events etc. What we are doing is simply taking that advertising money and instead of doing all those things or stuff that we don’t believe works, they pay it to us, to people that are out in the field, that are using those products or services that can give a recommendation to our friends or family, and do you know what ?…. they pay us very very well, in fact let me tell you about a few of my friends that have been paid very very well to do exactly that.
My friend Karol used to be a Pizza delivery driver, he came from another country, to find his dream, he didn’t know a lot of english, didn’t have a lot of connections, but because of this industry he was able to now have that lifestyle – to do what he wanted to do, now hes able to send money back home to his family, and actually help and he’s got an amazing – amazing lifestyle because of it.
Or Anneeta, she moved here with her family and after 3 years her husband died while abroad in a car crash and she was left with 3 young children and no income, they had no life insurance and she got nothing, but after starting in network marketing, part time to start with she soon started earning a small income to afford food and rent and then she was able to earn enough to have the children looked after allowing her a few more hours doing her business, and now she has a large team, all making serious money, and she is now making more money than her husband used to make in his full time job, and she is able to reduce how many hours she does to spend valuable time with her children – raising them up in a lifestyle she and her husband had dreamed about when they moved to the UK.
So heres my question to you?
I don’t know why you’re reading this, I don’t know if your a college student, maybe your up to your eye balls in debt, and you don’t know how to pay that back, and you really don’t know if your going to have a job for much longer, I don’t know if you’re looking at retiring, and you don’t know if thats ever going to happen, or I don’t know if your friend told you about network marketing, but whatever the case may be, this industry is an amazing industry, we have a system that allows you to do certain steps that will produce predictable results, and what we’ve seen is that through that system there’s been thousands & thousands of people that have been able to walk through it and accomplish their dreams and goals.
So heres what I know, I know that if you have a dream in your heart, and you’re willing to do something about it, if you believe that there’s maybe more to something than the daily grind of doing forty hours a week, for forty years of your life, to end up on forty percent of what didn’t look good to start with, then I say lets partner up, let me take you by the hand, and lets do this together, it happened to me and can happen to you.
Whatever your channel to achieve this, you need to make sure that it produces residual income, income that you get paid forever for doing something once, no return visits needed, and this business can give you just that.
If you’d like to talk more about this opportunity, to work along side your full time job part time, earning additional spare money or you need to start now full time in your spare time then call me today on 01394 549364 or click here to watch the company video giving more info and what its all about.
Thats its for now – have an amazing blessed day whatever you do.
You have one life – make it count.
Andrew 🙂
07930 464461
01394 549364
FPUK.co

How to Raise Your Children – Andrew Chenery

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Hi Friends,

What do you think about influence? Maybe you don’t think you have any in your position or in your life. But the truth is, every decision you make has a huge effect on the people around you… especially your children. Every time you degrade yourself in the mirror, gossip about your boss or talk about what foods you like, you are influencing their future.

Whether you are making a conscious effort or not to set the best possible example for your children, they are always watching you. And they WILL follow your example.

Your children see more than you realise and they catch on so quickly. Your habits will soon become their habits. The way you react in circumstances shows them how to react. How you eat will show them how to eat. That’s pretty powerful stuff!

Consider the example you are setting for your children in these areas of your life:

Relationships
Think about how you react when you are angry or upset. Are you putting forth the example of someone who is in control of their own spirit? If you have a “10” reaction to a “2” offense, your child is watching that and mentally filing it for future reference! How do they view marriage when they see your interactions with your spouse? You are setting the ultimate example for all their present and future relationships and marriage.

Work Ethic 
You also shape their work ethic. Are you constantly complaining about your job and boss at the dinner table? Do you complain about Mondays and live for the weekend? You have to treat your job like the privilege it is! Having a job in todays climate is a blessing. Treat it like one, instead of making your child fear the day they have to start working. Unless, of course, you want them to sleep in your home well into their 30s.

Body Image
Do you spend too much time front of the mirror making negative comments about your body? Most women pass their body issues onto their daughters. If you obsess over food, they will as well.

And for the men – what example are you setting? Do you push yourself at the gym or just plop in front of the TV and watch your gut grow? These habits have an equally major effect on your son.

Money
One of the harshest habits to impact your child’s future would be your spending habits. Simple things like buying more food shopping when there are tons of food already in the house, eating out frequently or complaining about having “nothing to eat” while staring at a fridge full of leftovers, are all things they will pick up on!

The actions you see in your children today are more than likely things you taught them when they were young. But it isn’t too late to sit down with your children, apologize for the example you have set and start moving forward. It’s okay to be honest with your children about your finances, relationships or whatever else is going on in your life.

We all have poor habits, make poor choices on occasion and unintentionally pass on things we never would have imagined to our children. In your life have you ever stopped and realised, “Whoops, I’m being my Dad” after uttering a similar phrase he always used?

Look, parenting doesn’t come with an instruction manual. A lot of things you pick up as you go, but you also don’t have to go blindly.

Tell me about some “Whoops” moments you’ve had while raising your children. I KNOW you have them!

Thats it for today, move toward the positive and raise a generation to be proud of.

I encourage you today to get these principles working in your favour. Don’t leave your success to chance — follow the laws and create your dream life!

Activate that circle of influence today and please take a minute to pass this message along to your friends, family and colleagues today. You never know who desperately needs this guidance and direction for their lives, so share this on your social media sites, print it out and pass it around or simply forward this email. Please retweet this.

This is your life – make it count.

Stay Blessed

Andrew 🙂

FPUK.co     FinancialPeaceUK.com

Follow me at: @FinPeaceUK     @AndrewChenery      @BHPGardenDesign

Have Money Work Harder Than You – FPUK.co

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Hi Friends,

I was talking to a new friend yesterday who is struggling to make ends meet but wants and needs to make a difference to their lives, and she truly believed that by having more jobs and working all the hours that come it would make a difference. But their health was deteriorating to a point that they had to take sick days from each of the jobs on a regular basis, I explained that working smarter rather than harder was the real answer, having money work for her rather than working harder for money.

I’m about to share a huge secret with you today. Did you realise most people honestly believe that the means to real financial independence is through a higher salary or working every hour that comes? How about you?

Are you working for someone else in a 9 to 5 Rat-Race, just trying to continue up the corporate ladder to a point where you can finally “get ahead” financially? Or, are you chasing the great “Dream” of starting your own business on the side maybe to follow your passion, or as a way to generate extra income or just to be able to jump off that 9 to 5 Rat-Race?

Trust me, working full-time and starting your own business is a recipe for disaster as you work ’round the clock and only see slow, tiny steps forward on the path to increase your wealth!

Well, here’s the secret… very few millionaires make their money from a salary! And you can bet those CEOs at the top of the corporate food chain make tremendous sacrifices of their time and in their relationships to earn that 7-figure salary.

So, you’ve got to be asking yourself, “Where are all these millionaires getting this money if not from big-name jobs and salaries?” This is about so much more than making money, this is about creating genuine wealth. If we both stopped working today, we would still have a steady money flow for years to come. Why? Because we have multiple streams of residual income!

Now, you might think that investing is too risky. And it’s never too soon or too late to start.

In our house, we aren’t in the business of giving our children a free ride or life handed to them on a silver platter. They have to know the power of earning their own money and what it can do for them.

So, Friends you’ve got to ask yourself, “If a 11-17 year-olds can find the means to start investing, then what’s holding me back?” Or you could say, “Hey, I wonder how they do that?” If they could do it, then you most certainly can! Look into it yourself! You might learn a few things — starting right here:

Ask yourself why you want to start a business.

Is it to be your own boss?

Create a legacy for your children?

Attain financial independence?

Creating time freedom?

Maybe it’s all of the above. But identifying your specific motives helps to establish a true vision for your goal. And there is no right or wrong answer! It really is okay to just be in it for the money!
Start investing NOW. If you ever want your bottom line to increase, you’ve got to start investing now. And I do mean NOW — you can’t wait for that “when you have the money” or “when the economy gets better” excuses! Set aside money each payday, whether it is £5, £50, £500 or more… just do it and earmark it strictly for investments. It will make the “big risk” seem a lot less scary. Initially build yourself your emergency fund that isn’t touched unless it for an emergency and I mean emergency, and if you need to dip into for the emergency then replace that money as soon as is possible then continue putting money into savings again not tone touched. Then when you make money from those initial small investments, turn that money around for more and new investments.
Continue to put money in savings. Remember wealth isn’t just about how much you earn, it is often about how much you KEEP. Realize that most savings accounts are just money saved to use later.
Increasing your bottom line is simple, but that doesn’t mean it’s easy. It requires an investment from you! That investment could be your time, your training or your skill sets.

I encourage you today to get these principles working in your favour. Don’t leave your success to chance — follow the laws and create your dream life!

Please take a minute to pass this message along to your friends, family and colleagues today. You never know who desperately needs this guidance and direction for their lives, so share this on your social media sites, print it out and pass it around or simply forward this email. Please retweet this.

This is your life – make it count.

Stay Blessed

Andrew 🙂

FPUK.co     FinancialPeaceUK.com

Follow me at: @FinPeaceUK     @AndrewChenery     @BHPGardenDesign

How To Find True Happiness – FPUK.co

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Hi Friends,

This time next week our wedding weekend will have passed and I will be a married man, in fact according to an app on my iPhone in 5 days 8 hours and 38 minutes, but do you know since my fiancee said “Yes” I have had peace and joy in my heart every single day. But thats added a depth of happiness on top of my daily peace I experience each and every day.

It pleases me that each day of my life, I experience feelings of happiness. I focus on finding joy at some time of the day. My reality is wonderful because I experience so many things that bring me happiness.

In the morning, I wake up with feelings of refreshment and wonder. I think about what my day might bring. Perhaps I can see an old friend today. Maybe this is the day that the love of my life surprises me with something special. As the sun rises, my joy is just beginning.

Most days when I head to visit a client I will take the coast road to see the ocean, the continuous waves and movement of the sea for me is a relaxing and calming experience, what is yours?

Although some things that make me happy are fleeting, I know I have many reasons to be happy. I make an effort to keep those reasons in my mind each day.

The love of my partner, the pleasure of watching my children grow, the fascination of my work, and the unknown elements to come in life all make me feel happy.

My enjoyment of the day keeps my spirits high. I smile to myself because I feel gratitude for my life and this day. The joy I feel at this moment reminds me of all the love I have in my life.

Today, I recognize the many reasons that enable me to experience daily happiness. Every day brings another chance to feel joy and remind myself of the love and happiness in my life. And I am thankful.

Life leaves bitter and sweet tastes in the mouth. It’s easy to find yourself on the lawn of negativity, drinking from a glass half empty on grass that definitely isn’t as green as your neighbours’. Then, in the space of a day or so, everything can seem like sunshine and lollipops again.

Your feelings may well be in constant flux, but God wants to give us a steady, deeper joy, that’s not based on surface level happiness or sadness. Thinking negatively about ourselves or our situation doesn’t improve things, even if we think that we’re just being ‘realistic’. It’s not delusional to focus on being positive. Words have power in our lives and so does our thought life. Don’t feed your heart with the wrong stuff.

Do you imagine God looking down on us negatively? Rick Warren wrote this, ‘God is love. He didn’t need us. But he wanted us. And that is the most amazing thing.’ God has bound Himself to you – that’s not something that changes from day to day, even if we feel far from Him. Whatever negative spin you can put on your lot in life, God says He intends ‘to prosper you and not to harm you… to give you hope and a future.’ (Jeremiah 29:11 NIV) Live in this deeper joy.

What now?

Self-Reflection Questions:

What are some sources of my happiness?
Do I allow myself to feel daily joy?
How can I increase my awareness of what makes me happy, thereby increasing my feelings of happiness?

Living with an attitude of gratitude helps start this process for many people. I want you to “Thank every single person who has ever told you that you can’t because they are just another reason why you will” succeed in whatever you put your efforts into achieving.

I encourage you today to get these principles working in your favour. Don’t leave your success to chance — follow the laws and create your dream life!

Please take a minute to pass this message along to your friends, family and colleagues today. You never know who desperately needs this guidance and direction for their lives, so share this on your social media sites, print it out and pass it around or simply forward this email.

This is your life – make it count.

Stay Blessed

Andrew 🙂

FPUK.co     FinancialPeaceUK.com

Follow me at:    @FinPeaceUK     @AndrewChenery     @BHPGardenDesign