Posts Tagged Debt

Understanding Depression – FPUK.co

depressed pic

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

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Forgiving Increases Relationships – FPUK.co

Forgive

Hi Friends,

As the countdown to our wedding day ticks by (3 days 7 hours 53 minutes ) theres different thoughts coming to me in increasing and building stronger relationships, and as requested, after our honeymoon I’ll be doing a series on relationships.

Recently I spent some time talking about forgiveness being linked to happiness, but this topic is so important and so vital to your success I wanted to expand on it a little bit more.

When you harbour unforgiveness it actually does MORE than just keep you stuck. It’s the root of low self-esteem, criticism, distrust, sleepless nights, anxiety and having a short fuse. It is also the root of all addictions! And those addictions can take many forms: working too much, shopping, food, porn, TV, drugs and alcohol.

When you hold on to bitterness you leave yourself open to all these other horrible distractions. Unforgiveness is the ultimate gateway drug! It’s the root of every evil that keeps us from moving forward in a healthy, happy, rewarding and clean lifestyle.

The way I see it, your past is the baggage you just carry around and unforgiveness is just plain old rubbish. It smells… it stinks and even worse, everyone else you meet gets a big whiff of it when you walk by. When you’re burdened, you reek.

Whether you realize it or not, your rubbish has control over your life. It affects your relationships, your job performance and your physical health!

Forgiveness is a choice – maybe not an easy one, but it is still 100% your choice! It isn’t about letting others off the hook, but it does require you to accept the fact you have no control over the situation.

You can’t control other people, you can only control your response to them and their actions. In other words, if you’re waiting around for other people to apologize, don’t bother. Those who have wronged you might never admit their fault or ask for your forgiveness. It isn’t about what they deserve, it’s about choosing to not let them have a hold on you.

Don’t let their mistakes have that control over your life or your happiness! And I’ve heard it before, “Andrew, it isn’t that easy.” You’re right, it isn’t that easy. For most people it’s a process. Move away from your role as a victim and release the control and power others have on your life.

What is your choice today? Are you going to hang on to the bitterness and keep carrying your rubbish around with you? Or are finally going to take your rubbish out to the driveway for the dustmen?

If you’re interested in spring cleaning, let the rubbish in your life be the first thing you get rid of in this new spring season. Leave me your comments on today’s message and take that 5 extra seconds to Like and Share it. You never know who in your circle of influence really needs to hear this!

If you’d like to know more about how to perform forgiveness drop me a line at the contact details below and I’d love to have a chat about how the process works.

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

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Have Money Work Harder Than You – FPUK.co

sales

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

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How to Teach Children To Make Money – FPUK.co

Cash pic

Hi Friends,

Welcome to a frosty Felixstowe this morning, but although its frosty outside – your attitude to people today doesn’t need to be frosty. Speak to people and treat people as you would like them to speak and treat you. Today i’m talking about how children behave with money.

“Mum! Dad! Can I have £20 to buy a new game? Can I have some money to go to the movies with my friends? Will you buy me some sweets? Can I have…?? Will you buy…???”

How many times have you heard things like this? Whether you have young children, teens or maybe even grown children, at some point or another you’ve probably felt like their personal cashpoint. And the reality is, most parents give in to their children’s’ requests.

Today our culture tends to raise an entire generation of spoiled-rotten children who think only of themselves. It’s a “give me now” generation. But your children don’t have to be counted among these spoiled-rotten brats. You can turn this situation into something good!

Especially over the holidays, Easter breaks and summer fun children seem all about want, want, want. But isn’t it so refreshing to see parents raising their children to understand the importance of work and how to be wise with money. Is that you?

Imagine if you had been taught how to make money and to work hard with a good attitude when you were young? Life would be so much easier now, wouldn’t it? Or maybe you are one of the few who were taught at an early age. Look how that has impacted your adult life!

I’ll say this: You do not have to raise spoiled brats who say, “Gimme…I want…I need…NOW!” Instead, you can help your children become well-rounded people with a good perspective on life.

All children have selfish tendencies, but they can be groomed to have an unselfish heart eager to give, serve and help others. This will prepare them for their future as a spouse, parent, employee or business person.

Your children are watching you, and they will do what you do. Take some time today to think about the example you are setting. How do you spend money? How do you talk about work? Do the words, “I don’t want to go to work today” ever come out of your mouth? What about “I can’t afford it”?

You, as a parent, have an obligation and a moral responsibility to groom your children for success. Besides, I know you do not want to be the cashpoint Parent for the rest of your life. You certainly do not want to have a 30-year-old child STILL living in your cellar and STILL asking you for cash to go out with their friends.

The bottom line is… children NEED to learn how to work and to make money. They must learn how to be wise financially, and in every other area of their lives. Your children are watching you and they will do what they see you do.

Are you setting your children up for a lifetime of financial success? Be the example today, and help your friends, family and community to do the same! Leave me your comments and please Like and Share today’s message.

This is your life – make it count.

Stay Blessed

Andrew 🙂

FPUK.co      FinancialPeaceUK.com

Follow me at: @FinPeaceUK @AndrewChenery @BHPGardenDesign

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Laws For Succeeding – FPUK.co

success

Hi Friends,
A lot of people dream of being rich someday. They have this perfect little picture in their minds of how they will live their happy lives with their successful families in their dream house – after they get rich.

Some people live their entire lives talking about this perfect life they will have someday, as they sit and wait for it to happen. Whether they are waiting to win the lottery, or to receive an inheritance from some relative they didn’t even know they had, or they think they’re going to start a business someday and retire as a multimillionaire in a few years, it’s all dreaming.

But there’s something most people don’t know about wealth. It’s something so simple, and it can either work for you or against you. I’m going to tell you exactly what that is, and what you do with it after today is totally up to you.

So tell me, friend, what happens if you break a law? There is a consequence. This is true even if you don’t know the law. But if you follow the laws, you reap rewards.

Let’s talk about the law of gravity. Even if you had no idea the law of gravity existed, what would happen if you jumped out a 14th floor window? Would gravity cease to exist just because you weren’t aware of it? Would you somehow float safely down to the ground? No! Why? Because the law of gravity is in effect, whether you know it or not.

I know you’re thinking, “Andrew what in the world does gravity have to do with success?”

Friend, just as there are traffic laws and laws of physics, there are laws of success. They are principles you must follow in order to create wealth, have successful relationships, get promoted in your job and build a successful business. But if you don’t know these laws, you are likely breaking them. And what happens when you break a law? There are consequences.

Friends, the laws of success are just as important as concrete money-making skills. They are the foundation of your success in finances, relationships, business and career, and without this foundation, you will not have long-lasting success.

I am living proof these laws work. Before I learned the laws and started following them, I was broke, unguided and unfocused. I wasn’t even thinking about success or becoming wealthy… I was in debt – I had nothing! But once I learned the laws, I began to reap the rewards that come with following them. That’s how laws work.

Laws are not there to limit you or hurt you. They are there to guide and direct you. Laws are there to help you. Knowing the law of gravity can keep you from jumping out a 14th floor window and plummeting to your death. Knowing the laws of success will help you succeed in every area of your life.

Your dream life will not just fall out of the sky one day. You will not wake up one morning and discover you’re living the perfect life. That will never happen. But if you learn to follow the laws of success, and you work diligently, you will reap the reward.

These laws will lead you to fame and fortune. They will help you fulfill your dreams of helping people all over the world. They will help you have a passionate marriage. They will help you equip your children to succeed.

I encourage you today to get these principles working in your favor. 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

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Things To Do In Holidays – FPUK.co

easter 2014

Hi Friends,
For many, Easter holidays will be starting soon, and while the kids are overjoyed about their newfound freedom, many parents are not so overjoyed. Soon you may hear the two little words every parent dreads: “I’m booorrrrred!!!”

Some parents will put their kids in front of the TV or video games for a a couple of weeks of mind-numbing screen time. Other parents will dig deep into their wallets (or simply swipe the credit card) to send their kids to workshops and amusement parks and all different kinds of activities.

But Easter Holiday fun does not have to break the bank! In fact, with a little imagination and planning, you can have the most enjoyable and affordable break ever!

Today I want to give you a few ideas to get you started on the right track. The options truly are endless!

Turn off the TV! Enjoy the beautiful weather instead. Go on a walk, visit the zoo, go camping in the backyard, or go to the swimming pool. You’ll have more fun exploring and getting some fresh air than you would sat in front of the TV!
Find inexpensive and/or free activities in your area. Attend sporting events or concerts. Find local festivals, celebrations or neighbourhood parties. Hold an Easter BBQ. Invite the neighbours kids for a water balloon fight, create an obstacle course, or stage your own Backgarden Olympics.
Give the kids a chance to learn entrepreneurial skills by setting up a car boot or garage sale or starting a dog walking business. They can even help the neighbours with garden work or housecleaning. This is a great way to teach your kids how to start and run a business, as well as how to manage their time and money.
Spend quality time together as a family. Have a Family Game Night, cook dinners together or bake cup cakes with the kids. Spend time really listening to your kids and taking this time to learn more about what makes them tick. When they look back at their Easter Holidays, these are the things they will remember.
Are you catching what I’m saying?? There are tons of ways to be fun and adventurous without spending tons of money! I would love to know what your Easter Holiday plans are. How do you plan to make this a fun, memorable and affordable  break? Leave your comments for me!

It would be a great idea to talk with your family about this, as well. Get their ideas. Find out what your kids would like to do during their break. (You may be surprised by what their idea of fun is!) Pass this message around to your friends, colleagues and people in your community in addition to Liking and Sharing today’s post! There’s always room for more ideas for inexpensive fun.

 

Thats it for today – start thinking & planning, set time aside to plan for the best for your family.

Stay Blessed

Andrew

FPUK.co  FinancialPeaceUK

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How To Prosper – FPUK.co

prosper
Hi Friends,

Today I want to visit with you about seasons of famine and seasons of plenty. You see, in life… things happen. And occasionally they spin totally out of your control. You never know when you’ll have an emergency, a sudden left turn or get stuck without a job.

Sometimes you plant the right seeds, you till, you slave and you nourish those seeds. But if you plant during a season of drought you might not be seeing the crop you worked so hard for.

The only way to see yourself through these times, is to prepare for the season of famine. If you are gluttonous or a spoiled brat addicted to pleasures, you will not survive the famine! He who tills his land will have plenty of food, But he who follows empty pursuits will have poverty in plenty. (Proverbs 28:19)

Learn to get your body off the drugs of spending on pleasures and luxuries. You need to condition yourself to live a simple a life so you can accumulate wealth while others are going broke. This will also provide you with a reserve during the seasons of famine.

What season are you currently in? If you are in seasons of plenty:

  1. Work on paying off your debt NOW, while you can.
  2. Simplify your lifestyle, sell stuff you don’t need and live on less.
  3. Don’t spend every dime you make! If you spend every dollar you make, you are not being a good steward of your seeds. But you shall remember the Lord your God, for it is He who is giving you power to make wealth, that He may confirm His covenant which He swore to your fathers, as it is this day.(Deuteronomy 8:18)

If you are in a season of famine:

  1. Don’t use credit cards to keep up a facade of financial stability. SIMPLIFY
  2. If you don’t have an income, get one now. Whiners will starve, do-ers will win (and eat).
  3. Take responsibility and make the needed changes. Stop blaming the economy, the job market, your parents or whatever!
  4. Grow your skills. Especially with people. Remember, opportunity comes from people and so does money.
  5. Stop looking for the easy way to succeed. It will lead you to a dead end!
  6. As soon as you start making money, don’t spend it! Refer to back to the tips for seasons of plenty.

Our first 10 years in business we made money and repeatedly lost it! After that we finally got smart and figured out how to make, keep and grow it.

It starts with killing your greed and gluttony. Great wealth is in the house of the righteous, But trouble is in the income of the wicked.(Proverbs 15:6) I’m not saying you can’t have fun or pleasures. I’m saying get off the drug of excess. You will massively decrease your stress once you simplify.

Don’t fear your season of famine, prepare for it! Share your thoughts with me on today’s message and don’t forget to Like and Share this with your friends or family. What season is your life in?

Have an amazing day and stay blessed

Andrew

FPUK.co

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How to Spend Your Tax Refund – FPUK.co

Tax refund
Hi Friends,
I’m sat in my office this morning thinking about what happened to a friend yesterday, when he told me he’d had a nice tax refund from Her Majesty’s Government, and what he was going to spend it on, but it made me start thinking.

What is a tax refund? I know it may sound silly, but I really want you to think about it. What is it?

A tax refund is just that – a refund of your own hard-earned money. It is not a random gift or a stroke of good luck. It didn’t just come out of nowhere… and it’s NOT extra money. It’s money you worked hard to earn.

According to research  half of us receive refunds, averaging around £1500 each. And while that may seem like a huge relief to some people, it may look like a free shopping trip to others. But today I want us to look at what it really is.

See, we all live in a total “microwave” society today, where we do what we want, when we want, just because we can, without giving any thought to our financial future. And where has that got us? We have traded our financial freedom for more stuff, more debt and more bondage.

We fall into the trap of “more-more-more,” until we find ourselves buried alive in debt. So many people are in constant financial strain, and yet we are more concerned about our stuff than we are about our long-term financial future!

I know right now you’re saying, “Okay Andrew, so what does this have to do with my tax refund?”

There’s one rule proven to be true over and over again, and it is true here. Find out what everyone else is doing and do the exact opposite. You may have heard me say this before: 98% of the population will end up dead or dead broke by the age of 65, dependent on their friends, family, or the government as their main source of income. On the other hand, 2% are doing well financially.

So what can you do to cross over from the 98% to the 2% this tax season? Here are a few ideas:

  1. Keep your goals in mind. When you get a large, unexpected (or expected) chunk of money in your hand, it can be easy to lose sight of the financial goals you have set for yourself. Whether you have a goal to pay off £10,000 of debt, give £10,000 away to orphans, or invest £10,000 this year, do not lose sight of that goal!
  2. Resist temptation. There are all kinds of sales and advertisements, and even articles from so-called “financial experts” giving tons of ideas on how to spend your tax refund this year. They are trying to sell you everything from new clothes to a new BBQ, video games, or even a deposit on a new car. I’m telling you, don’t go there!
  3. Invest. So instead of spending your tax refund foolishly, choose to put that money aside for investing! This way you have a chance to make your money work for you without the fear of losing big.

Here’s what I know about you. You are not called to be one of those people. You were designed for wealth and freedom. How do I know that? Because you are here right now, reading this. Because you have a desire to succeed financially. You have a desire to see your children, your friends, and your community live debt-free, totally financially independent lives.

I would love to know what you think about today’s message. Are you getting (or have you got) a tax refund this year? What do you plan to do with it? I can’t wait to read your comments. But I also have a few more ideas on how to spend your tax refund that I can’t wait to share with you tomorrow. Stay tuned!

I pray you choose wisely today to invest your time and money into building your future not destroy it.

Have an awesome day & stay blessed

Andrew

FPUK.co

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Get Paid For Doing Your Chores – FPUK.co

Cash pic

Hi Friends,

As we are on the crest of a new season, it is the perfect time to sit down and figure out what you would like to happen in the next few months. What would you like to accomplish, where would you like to go?

This is a great time to clean out your garage, de-clutter that attic, organize the cupboards and clean out your car. That probably wasn’t the fun answer you were looking for, but let me explain how all of this can actually HELP you out.

The season we are prepping to enter is all about fresh, new things. SO today I want to share a few fresh ideas to help you dump the old and fatten your wallet while you’re at it.

1. In the coming weeks, the weather will start getting nicer – it’s just got to… right!? So start planning a garage sale! As you’re cleaning your house, sorting through the clutter that has accumulated over the last year, and organizing the garage, use this opportunity to get rid of the things you no longer use. Have the kids grown out of their clothes and shoes? Do you have extra tools lying around that never get used? You can even get together with several other families and have a huge multi-family garage sale! This is a great way to make some quick cash AND rid your home of all that clutter.

2. As you are cleaning behind the washer and dryer or vacuuming the sofa cushions, start a coin collection. You’d be surprised how quickly coins add up between the cup holder in your car and the pile on your dressing table.

3. Stop going to the car wash. By cutting your own lawn, washing your car or pets at home, you will save pounds in the long run. Now that the weather will be more bearable there is no excuse to pay someone else to do work around the house.

Those may seem like 3 very small things that may not matter very much. But here’s what most people get wrong when it comes to money: They think they have to wait to pay off their debt until they can do it all at once. They think they have to make huge changes or no changes at all. They think the small changes or actions are insignificant, so they don’t make them.

But the TRUTH is, small, simple steps lead to big results. If you wait until you make more money or you win the lottery, or you can afford to pay off all your debt at once, you will stay broke and in debt the rest of your life.

So choose today to make the small changes. Choose to follow the tips I gave you today. And I would really love to hear your best spring cleaning tips as well – especially if they will help others save money or make money! Leave me your comments and be sure to Like and Share today’s message.

Stayed blessed and have an amazing day.

Andrew

FPUK.co/Earn

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Utility Prices Still Going Up? – Andrew Chenery

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Now’s the time to change for your household or business…

We’ve all seen the headlines and shocking news that energy companies are still pushing up our bills whilst announcing huge profits, and we can do little about it.

Well now is the chance to change that – at least for your household or business.

If you were shown a way to reduce your utility charges each month, with no obligation to take the offer – would you want to see how much you could save?

A local business now offers you that chance. Based in Felixstowe,
Financial PeaceUK can come and show you how you can start saving money, for the same products!

• What does paying less mean to you?
• How would you like to save money?
• Does the cost of having the heating on worry you?

Well we can help reduce those costs for you, taking away those worries!

An appointment with you is totally free, we do not charge you anything – and remember you are under no obligation to take these savings available if you choose not to – we only ask that you take a look.

We can show households and businesses how they could save money on their utility bills despite having contracts with other providers. If you are happy with the savings we can make you, we will take care of making the changes, and again we do not charge for this – we want you to have total Financial Peace!

P.S. Should you decide to accept our offer, there are also savings to be made on other shopping purchases.

To make an appointment contact Andrew in Felixstowe on: 07930 464461 to discuss or request a call back

or email: FinancialPeaceUK@gmail.com

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