Posts Tagged With: wealth

How to flow financially?

Would you like to live the life you want and still get ahead financially? Are you keen to know more about saving money and at the same time living well? I say sprint to the bookstore or go online to purchase a useful book: “Money Matters – Get your life and $$$ sorted” by Amanda Morrall. Amanda Morrall is a financial journalist, media commentator and contributing editor for Interest.co.nz. She is also an inspiring and lovely yogini, yoga teacher and a mother of two.

Honestly, I do not know a lot about finance. Though, you cannot get away with financial matters nowadays. In whatever life circumstances you are: studying, working, parenting, retiring, unemployment, (sickness) benefit or any other situation, you are dealing with money and finance. From the day you’re born you’re spending money (indirectly) and later in life hopefully earning and saving money as well. For sure it wouldn’t hurt to get your life financially (more) sorted.

Need some money flow?

Need some money flow?

Amanda first of all explains the concept of flow. The philosophy of flow is that if you find your flow in life, the money will follow automatically. For example a lot of debts are caused by inappropriate spending in the first place. You can ask yourself what is the desire for a purchase; what is the trigger to buy that beautiful but expensive dress? When you are in a job you are not enjoying you will try to compensate the empty and sad feelings this job is giving you. If you truly find your passion or dharma in life, then you will find inner peace and therefore the urge to purchase unnecessary goods will disappear. I know for myself if I’m doing fulfilling work, I’ll feel ‘full’ from within and therefore I don’t need to try to fill emotional gaps or holes. All of us have experienced flow in their lives; it feels like life is on your side and you’re doing what you’re supposed to be doing. Flow moments bring a smile on your face.

So, now you are focusing on finding flow in your life or you are already flowing. What is next? Amanda has the gift to explain complicated and dull subjects in easy-to-read chapters and illustrates her knowledge with real-life examples. So don’t worry if you are a dummy in terms of finance, Amanda will introduce and guide you patiently in the world of money. Money Matters includes lots of links to online tools and features a wealth of practical guidance to become debt-free, save and budget successfully, decide whether to rent or buy your first home, understand KiwiSaver, learn more about finances & wills and set out on the path to financial freedom. For me the part on becoming debt-free is especially interesting, since I’m blessed with a huge student loan in Euros. At the moment I’m earning New Zealand Dollars through casual work. As you can imagine, the payoff goes slowly and the debt sometimes feels like a heavy burden stacked on to my back. It makes me a bit restless and I start to worry. Fortunately, my partner reminds me that I have the lowest interest rate on my loan I will ever get in my life. “Investing in yourself through education is one of the best things you can do and is related to a higher income later in life”, concludes my love. After a deep relieving sigh, I continue to read the rest more theoretical parts of the book. After that I am rewarded by the last couple of chapters about well-being, mindfulness and incorporating kindness. Amanda states it beautifully:

 “My philosophy towards personal finance is that you need to give as much care and attention to your inner wealth and well-being as you do to your budget, spending habits and savings accounts. When you get the two areas working in tandem, that’s where you’ll find your personal financial flow.”

How do you achieve inner wealth?

How do you achieve inner wealth?

The founders of the Happy Planet Index have found that happiness, love and health all outweigh the importance of wealth when it comes to personal well-being. Gross National Happiness appears to be more important than Gross National Product. Though, the economic world is still mainly focused on the second indicator. Nic Marks, founder of the Centre for Well-being, suggest there are five positive actions that can improve well-being (with money not being included!):

  1. Connecting: Social relationships make up the most important cornerstones of life.
  2. Being active: Regular physical activity is linked to better mental and physical health outcomes and also to happiness.
  3. Taking notice: This is about being self-aware and mindful of one’s own moods, attitudes and behaviour.
  4. Lifelong learning: Ongoing personal development and education is a key contributor to well-being.
  5. Giving: Altruistic acts of giving, volunteering and showing compassion for others are important.

Interestingly enough, successful people already incorporate kindness in their life by giving (financially) before they have reached their point of wealth/success. In other words, it doesn’t matter how much you give or how – through for example blessings, sharing of knowledge, donation of your time or a simply monetary donation – but more that you give in a suitable way for your life.

Amanda concludes with the following inspiring words: “By redefining our relationship with money, we can begin to establish more meaningful uses for it. We can stop chasing money and start chasing our dreams. Go forth, find your flow, and prosper.”

Incorporate kindness

Incorporate kindness

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Comparing yourself….

Everyone is special and unique in their own way

Everyone is special and unique in their own way

My lesson for today: stop comparing myself with others as a way towards happiness; Happy with myself and my life.

And if I do compare:

tumblr_m3041iqQ3H1rt9uwbo1_r2_1280

Categories: Happiness, Inspiration | Tags: , , , , , , , , , | 5 Comments

Karma yoga and fame?!

Karma yoga is the yoga of selfless (altruistic) service or the ‘discipline of action’. It is based on the teachings of the Bhagavad Gita, a sacred Sanskrit scripture of Hinduism. Karma is derived from the Sanskrit word kri, meaning ‘to do’ and refers to the universal principle of cause and effect. It is the path of doing the right thing and following ones’ personal dharma or life purpose and accepting destiny as it comes. This includes acting without being attached to the fruits of one’s deeds. If you do your work without selfish expectations it purifies your mind.

Karma yoga is performed by right means and does not harm anybody or anything. The so-called ‘doer’ is dropped from the action, since you are a mere tool of the divine. If you practise karma yoga, you’re expressing the unity and the divine, ego plays no part. A karma yoga teacher is aware that the result of the teaching is out of his/her hands. You are an instrument, a servant of truth or love. Unique about karma yoga is the focus on the spiritual and the philosophy behind the process you experience on your mat. Karma yoga can assist you with living your role or dharma in life without actively seeking any remuneration in the shape of wealth, satisfaction or fame.

How do you inspire?

How do you inspire?

Then I start to wonder, what is my dharma or life purpose? I can easily think of aspects of my dream job; freelance writing, teaching yoga, counselling, inspire people. Not sure how, when and where yet. I find it challenging to disconnect this with remuneration. Once I made a vision board about my future wishes and without thinking I wrote down the word famous. Why? Maybe it is a wish to be seen and heard, hidden behind my introverted character. Or a deep desire to accomplish something extraordinary in life. I guess – as long as you are not obsessed with your goals and enjoying ‘the ride’- it is okay to strive for them.

For me karma yoga and the associated dharma means; go with the flow in life. You certainly can have specific life goals and at the same time you’re flexible or willing to change your path, while listening to the dedicated signs the universe provides you with. I am the owner of a strong will and I am ‘blessed’ with an abundance of self-discipline and perseverance. Though, at times these characteristics are not very helpful. I tend to ignore my intuition and I don’t listen to the small signals life throws on my path. Whilst the average person already has decided to take another direction, I am still trying hard to go where my rigid mind thinks I have to go to. Yoga is a perfect way to reconnect with my inner world. Practicing yoga allows me to start fresh – like a beginner – with learning to listen and follow my breath. This rhythmic flow of the inhalation and exhalation teaches me to flow more with life and brings me to undiscovered places. I realize once again how wonderful and subtle life is.

Life flow chart

Life flow chart

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Asteya

The third yama asteya means non-stealing. Like the first two yama’s, this yama seems pretty self-explanatory at first sight. However, again you can incorporate this yama into your daily life at a much deeper level. Have you ever thought of hoarding as a form of stealing? Or the desire to have more material stuff, since others around you have so much? You can apply hoarding to food (eating too much), money and possessions. If the cashier forgets to charge you for an item, would you leave the shop without paying? How do you feel after you have overindulged yourself again during a cosy family dinner? If you have a bad day, you go out shopping to make yourself feel better. But do you really feel better if you have bought another beautiful top while you have still loads hanging in your closet? If you drain someone’s energy, it can be considered as not practising asteya by ‘stealing’ energy. If you come too late, you are actually ‘stealing’ someone’s time.

Like most humans, I get challenged by my desires, especially if I compare myself with others. Asteya includes taking and keeping what you need, honestly. If you have too much, you can share it or give it away to others who are in need. From that the difficult question arises what is actually necessary for my daily needs and for my family? Yoga has taught me to deal with my (unnecessary) desires and to be grateful for life how it is in this very moment. And if we no longer desire for things, all sorts of wealth will come to you by itself. I always remind myself of my bargaining experiences while buying souvenirs during my stay in Africa. I try to bargain, but the seller feels that I have a strong desire to take the souvenir back home with me. This grasping is highly likely to result in paying way too much. In contrast, if I do not have such a strong desire, I will be the winner and bargaining will feel like a game and a piece of cake. It seems like the universe works in a similar way. The harder you strive to get something or be something, the further away you will get from your happiness and wealth.

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