I also started listening to Les Brown again. He's in his 70s and was huge in the 90s so not selling anything. He puts an incredible amount of stuff online for free.A guy I've started following on instagram Phil good life is someone to take note of for some of you. Someone I can resonate with. Find it hard to find a motivational speaker that doesnt sound like an mlm scheme (sorry) but this guy I just click with. Just thought I'd put it out there
Needed this. Feeling really fed up and needed the inspiration to change my lifeI also started listening to Les Brown again. He's in his 70s and was huge in the 90s so not selling anything. He puts an incredible amount of stuff online for free.
His Atlanta dome speech is his best one.Needed this. Feeling really fed up and needed the inspiration to change my life
Try think and grow rich! By Napoleon Hill.I'm starting to be aware I have some big money blocks with my mindset so I think that's going to be a focus to work through. Any suggestions welcome
Thank you so much.Try think and grow rich! By Napoleon Hill.
Bob proctor also has a money meditation. If you repeat the same sentence over and over again you will begin to believe it eventually.
Just a general question you don't have to answer, but how do you honestly feel towards yourself? I would always suggest working on self esteem as corny as that sounds.
Practically have you made a list of your total income + outgoings? Is there anything you can cut back on?
I would also suggest having a look at dividend investing too. It's a nice way of earning passive income with minimal effort. You get email notifications of investment income even if it's small as 1p. I really like the youtube channel the humble penny for learning the basics first.
For small reminders: I always carry a silver coin with me. I keep some fiat cash on my desk. My father actually sits and counts out some money daily and watches money counting videos on youtube which is a thing.
I also believe that the more you give the more you will get back. I donated some food instore at my local Sainsbury's. That same day I was given £20 from a relative .
Also the book the Richest man in Babylon also gives practical advice.
Money comes and goes - it flows round. Since ive stopped caring so much about....well anything...it seems to be coming my way mote frequentlyThank you so much.
I am working on my self esteem and have been for a while now. But definitely more so in the last 5 months.
I use the fudget app to keep track of my money and I'm thinking of giving money wallets a go. (Free app on android and apple)
I've managed to manifest small money (ie a fiver here and there) but then have had unforseen setbacks (ie I'm £550 down this month due to CMS & UC fuck ups) which is what got me thinking there's clearly blocks I need to work on.
Yes, very much so! For me, it's all connected (wicca, spirituality in general, LoA / manifestation).Thank you for sharing all the different speakers I will check out the videos soon.
I know this thread is for loa/manifesting but I wondering if anyone has an interest in Wicca? It’s a new moon todayA good time to set new intentions/goals
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I would suggest signing up to an investment platform and buying funds and shares. Set up a direct credit - be it weekly, fortnightly or monthly, so you can grow your investments.I'm starting to be aware I have some big money blocks with my mindset so I think that's going to be a focus to work through. Any suggestions welcome
Thank you so much @rainbowlemon that's really helpful and useful advice, I will definitely bookmark it for future reference.I use Freetrade and personally stick with companies people will always need and the ones I actually like. I have an older ISA Vanguard account but you can buy the same funds on Freetrade.
Freetrade are okay as a platform, but there's no automatic reinvestment of dividends or automatic buying. You can copy other people's portfolios ( pies) on trading 212, but they've had a waiting list for more then 9 months now. Also unless your shares are now in an ISA account they recently started lending your shares too like others.
So for:
Food = Tesco & Sainsbury's
Letters = Royal mail the oldest and default letter delivering company in the UK.
Gas and electricity = National grid, SSE +Greencoat
Water= United utilities
Insurance = Aviva + Legal and general
You can buy fractional shares from £2 in the larger US companies like Amazon +, Starbucks but if you have US stocks your dividends are subject to a 15% withholding tax too after filling in a W8 BEN form which is on the app.
In my first year investing last year I made just over £80 in dividends. My younger 21 year old sister has already earned that within the first three months of this year but at the moment she invests + saves 80 % of her part time income.
You also get a £2000 dividend tax free allowance outside of an ISA every year.
An ETF is a collection of companies. Instead of investing in just one you can get a whole group. so it is safer.
The FTSE 100 is the top UK.
The S&P500 the top 500 in the US.
I'd like a mix of 50% ETF+ 50% individual shares.
I save and invest the majority of any spare money I have, but make sure you have an emergency fund first so you can just leave them. I rarely check my Vanguard account and prefer it sometimes to actively managing.
There will be ups and downs so don't do it if already know you won't handle seeing lots in reds sometimes. There's nothing wrong with premium bonds if you want zero risk. We won £325 on premium bonds last year. My parents opened a stocks and shares child trust fund account for my other sister with the £250 voucher the goverment gave and didn't add anything to it, but the dividends were automatically reinvested and after 18 years last year she withdrew just over £3000.
It doesn't happen overnight but if your consistent your small snowball really can grow. The youtuber below has been investing for 13 years to get to where he is now.
That's exactly it! Who knows what the future holds but so long as you're not putting all your eggs into one basket - diversifying / depositing a bit here, a bit there - and not investing more than you can afford to, then what have you got to lose?Start small grow tall.
Thank you, that's really helpful. I have had an interest in investing for the past 10years or so. I have never taken the plunge as I have always been overwhelmed and didn't know where to start. My hubby is a risk assessor, and works with people who have lost thousands in dodgy savings, shares, pensions etc. He mostly sees the corruption and worst case scenarios. He is forever making me doubt myself.I use Freetrade and personally stick with companies people will always need and the ones I actually like. I have an older ISA Vanguard account but you can buy the same funds on Freetrade.
Freetrade are okay as a platform, but there's no automatic reinvestment of dividends or automatic buying. You can copy other people's portfolios ( pies) on trading 212, but they've had a waiting list for more then 9 months now. Also unless your shares are now in an ISA account they recently started lending your shares too like others.
So for:
Food = Tesco & Sainsbury's
Letters = Royal mail the oldest and default letter delivering company in the UK.
Gas and electricity = National grid, SSE +Greencoat
Water= United utilities
Insurance = Aviva + Legal and general
You can buy fractional shares from £2 in the larger US companies like Amazon +, Starbucks but if you have US stocks your dividends are subject to a 15% withholding tax too after filling in a W8 BEN form which is on the app.
In my first year investing last year I made just over £80 in dividends. My younger 21 year old sister has already earned that within the first three months of this year but at the moment she invests + saves 80 % of her part time income. In 9 years time even if she doesn't add anymore. She will be much better off financially then I was when I started at 29.
You also get a £2000 dividend tax free allowance outside of an ISA every year.
An ETF is a collection of companies. Instead of investing in just one you can get a whole group. so it is safer.
The FTSE 100 is the top 100 in the UK.
The S&P500 the top 500 in the US.
I'd like a mix of 50% ETF+ 50% individual shares.
I save and invest the majority of any spare money I have, but make sure you have an emergency fund first so you can just leave them. I rarely check my Vanguard account and prefer it sometimes to actively managing.
There will be ups and downs so don't do it if already know you won't handle seeing lots in reds sometimes. There's nothing wrong with premium bonds if you want zero risk. We won £325 on premium bonds last year. My parents opened a stocks and shares child trust fund account for my other sister with the £250 voucher the goverment gave and didn't add anything to it, but the dividends were automatically reinvested and after 18 years last year she withdrew just over £3000.
It doesn't happen overnight but if your consistent your small snowball really can grow. The youtuber below has been investing for 13 years to get to where he is now. It all adds up:
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just to give you all an update, I passed my driving test first time with 2 minors! Passing has reallly taught me that everything is within reachHey, I love this thread! Just to give you a little insight into my manifest journey…
This time last year I was in a job I hated, I would wake up dreading every day, living for the weekends then Sunday around 3pm the work dread would kick in. I was putting off learning to drive, lie to everyone that I was looking for instructors and using the excuse that the instructors couldn’t fit into my hours of working etc etc.
But I would go to bed at night, dreaming of a day where I wake up happy, have a office job with a group of really supportive work colleagues, and I could be really independent and not have to rely on someone to give me lifts every day.
I would think constantly about how being independent would feel, how driving on my own would feel, how handing my notice in to my current manager would feel and how all these little situations would feel when I was doing them.
Time was moving on and I realised I was speaking to myself differently, I would change from ‘if I handle mynotice in’ it would be ‘when I hand my notice in’
‘I will pass my theory test’ ‘I will work for a big company who appreciates me’ etc
now a year on, i left that job and now I love my job, I passed my theory, I have my driving test booked for next week, and I am extremely happier and super independent!!
Congrats!just to give you all an update, I passed my driving test first time with 2 minors! Passing has reallly taught me that everything is within reach
I wrote down "I am pregnant summer 2019" and I fell pregnant in the july 2019. I have recently wrote a letter to the universe but its a change of career, new location and house and financial freedom. Obviously a big load of manifesting that will take time, but I remain optimistic and grateful for what I do have right now. My health is my main focus at the moment as im not doing too good. I think once I knock these hurdles out the way, new doors will open for me and my manifestations with come to fruitHas anyone tried scripting and had any success? As in actually writing things down? I have heard of people writing a letter to someone or to the universe as if its already happened. I would to hear some success stories for motivation!or even just thoughts on it.
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