Financial security and living abundantly are not one in the same. Living abundantly is not limited to your financial standing, it is so much more, however it does impact on your financial circumstances. Start living abundantly and financial security will follow.
Sometimes it seems that we let money determine all else. It is not surprising when we have bills to pay, food to put on the table and have something left to sustain some sort of quality of life.
When I reflect on my life, I can see that each chapter, presented with a different phase of development when it comes to my financial standing.
When my husband and I met, some twenty-six years ago, we were kids. I was in a one-bedroom flat and every week I made enough to buy a carton of cigarettes, a bottle of Kahlua, a block of cheese and a loaf of bread. Don’t you just love the priorities? I would be beside myself if I thought my kids were living like this. Anyway, I was pretty happy with myself. I lived on my own, I earned enough to pay the bills and feed myself. At this stage it never occurred to me to start putting money away to build some sense of financial security. I was just happy doing life.
My husband wasn’t that far off being in a similar situation to me. We got married and moved to Adelaide to build our first home. We bought into the whole idea of having everything we could want now, using credit cards rather than saving and paying cash. So we had more stuff, but we continued to make ends meet and we had a home so we were pretty happy.
The credit started to accumulate and when we decided to sell our home because we wanted a better area for our kids to grow up in, we decided to pay out all our bills and start again. This was our first lesson, stay away from credit. We rented a unit in a nicer area and the kids and I were happy.
Apparently it doesn’t take much for me to be happy, I just need to know I can make ends meet. Terry wanted more, but didn’t realise that we were in fact building on and working toward what he wanted, which was a shed to work in and space to move. During this time we rented, I was undertaking A Bachelor of Education and Terry was a shearer, travelling away each week to work throughout South Australia.
Again we were making ends meet, but that was about it. Not bad for a family of five, living on one income while one was studying. Terry’s back started to give out which led him to a job in Roxby. By the time I had finished my degree, it became clear that getting a job in the Hills was going to be difficult and Terry was tired of traveling.
We had learned to stay away from credit and as we had lived on a relatively low income for the previous 7 years, we were able to put some savings away. When we arrived in Roxby, we lived in a company house. I loved the house, but it became apparent that Terry needed a shed as he was doing up his car under a tarp in the back yard. We bought a place in Roxby that had a shed for Terry and a pool for the kids. When we bought this place, we had every intention of staying.
During this time in Roxby we slowly but surely started to spend what we were earning. It was like we were making up for lost time as we had lived without on one income for what seemed a long time. This was a time where by we had an abundance of money coming in but we were also developing some spending habits that were not healthy. After 7 years, we made the decision to move back to the hills to give our teenage kids access to more opportunities.
We are back to one income as I am working hard to build my own business, but as anyone who has their own business will understand, setting up your own business takes time. While we were in Roxby, we probably took many things for granted and I see that this time we are in now, is about us rediscovering our gratitude and appreciation for everything in our lives.
This is where timing comes into it. I have heard that many people who win the lottery have generally spent the lot within a few years and I can easily see how this happens. If you are not used to having money, like my husband and I, then you do not have the skills, understanding or the belief system required to keep it. Which is the incredible part of this story. We have been learning those skills, understandings and acquiring the necessary belief systems to bring about the abundance we have always wanted for ourselves and our family, we just didn't know it.
A book that has helped me greatly in overcoming some limiting beliefs I had about money (which were holding me back) is called ‘Thou Shall Prosper’ by Rabbi Daniel Lapin. His perspective on business and attaining wealth has really challenged my beliefs in a way that has helped me to see more clearly. I see that I am free to attain the wealth I deserve, guilt free, by doing what I love.
Worry not, if you are not where you think you should be on a financial level then reflect on this aspect of your life and you will see that you too have been learning and growing, and when the time is right, abundance will find its way to you too.
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