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For her the way out of this ‘game’ was to feel that she had value and to release the guilt. Tis empowered her to see her salary as something she had achieved. She developed a sense of deserving and realized her happi- ness was coming from within. She changed her job to something that she felt more pas- sionate about. Since then she has received many more pay rises and now works fewer hours than before.


Te road to joy and happiness starts within us. Money can help you fulfill your dreams, but money can never be ‘the dream’.


“Bills are not some- thing that is done to you; you do them to yourself.”


So what can you do to achieve bliss, even when you are struggling to meet those monthly bills?


Empowerment is the key word. Feel em- powered


around your costs, by taking


charge of them. Bills are not something that is done to you; you do them to yourself. Are you donating to charities you don’t even like anymore? Is your cell phone package the right one for you? Can you make more calls using Skype, free of charge? Are you paying your credit card bill on time or do you pay 35%, or more, interest? I suggest that for a few months, you cancel any automatic deb- its from your account. If possible, make the monthly payments yourself. Tis will give you a feeling that you are in control of what leaves your bank account. Direct debits feel as though a big, ‘anonymous’ hand is taking from your bank account. We tend to forget


to cancel direct debits. But you must pay on time, because penalties for late payments can be extremely high.


Feel even more empowered around your paycheck. Is there any chance of making that bigger? Could you work overtime, without sacrificing valuable family time? Even more important, do work that you find fun. Is there a department in your company where you would prefer to work, because it seems more fun? What talents do you have? What brings you fun and joy? Try to establish what people in your community need and see how that links up with your talents. Are you good with a sewing machine and de- sign? Could you start a dress alteration ser- vice from home in your spare time? Do you like to do makeup for women? Perhaps you can offer your services to women who go for job interviews. Are you good with comput- ers or software? Help other people to set up their websites. Set up your own website or use social media to advertise your talent. If you don’t tell people about your talents, no one will ever find out.


Are you comfortable charging a fee for your services? Do you charge enough to cover all your costs and generate a profit for yourself? Charging a fee is honouring yourself. It is not greed.


Empower yourself, and an enchanted 2012 will follow.■


Annett Blechstein is a Financial coach and the founder of abcoaching. She combines her passion of coaching with her long financial experience, in conduct- ing financial education seminars targeted towards women (however, men are also welcome). The seminars serve to demystify the financial world and empower women to make their own financial decisions. www.abcoachinghk.com


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