Blog

  • Hello world!

    Welcome to WordPress. This is your first post. Edit or delete it, then start writing!

  • Play Point 88: Coming soon baby 🙂

    [vc_row][vc_column][vc_column_text]

    Well the last few years have been interesting haven’t they? Watch this space as I’ll soon reveal what helped me (and can help you), walk through hell and come out the other side with your head held high…and smiling 🙂 x

    [/vc_column_text][/vc_column][/vc_row]

  • (Not a Play) Point 87: What’s the good news surrounding the Australian fires?

    [vc_row][vc_column][vc_column_text]

    Please note there are 86 Play Points before this rather serious post.

    Are you serious? Could there be any good news regarding the Australian bushfires? Well, yes. If, once you’ve taken the time to heal from the emotions of the initial tragedy, you look hard enough, there is good news amongst the rubble and ruin. Triumph can reign. It’s a matter of time, perspective and support, as it can be hard to do on your own.

    Actually the Chinese word for crisis is made of 2 syllables where the second means crucial point (ie when something begins or changes). Years ago, experiencing personal tragedy (many people know of my brother taking his own life), it took me two years but eventually I saw the silver lining. Because he was 26 I came up with 26 lessons I learned from that event. And many people will indeed tell you years after a life changing event, that they were able to find the positives. They claim that their low point was the turning point and it makes sense. We can choose to make a change early or we keep going down until we are forced to change.

    The rise out of that hole is quicker for some and it helps if you have support. A-S-K is the best 3 letter word in the English language so use it ? If you don’t agree with the following positives as I see them, ask someone what they think. Then let me know – I’d love to hear other opinions. Yes, this year I only had to evacuate my Northern Rivers property three times. My father’s south west Sydney house survived while the sheds burned and my mother and half siblings were also affected south of Nowra and at Katoomba. So we were all looking out for each other, sometimes at the same time and everyone survived thankfully. By no means do I wish to diminish the sadness and empathy I feel for those who have lost loved ones and that which can never be replaced. With time, my reflective nature has been able to find these positives:[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][list style=”1″ image=”3425″]1. It can’t possibly be business as usual after this event. Changes will occur. The issue will be how soon, how they will be funded and who will benefit. So the time is now to make your voice heard about what matters to you. People are listening.

    2. We may come to realise what’s really important when we have only a few minutes to pack possessions. And if you’ve got a second chance like I did evacuating 3 times, then you may realise that you exchange some things that you took first time round. Almost everything can be replaced. In 2003 the Canberra fires seemed to create two lots of people; those that were devastated they had lost material possessions and those that were grateful, even if they only had the shirts on the back. It showed perspective and resilience for the fortunate ones who chose to look at it that way. This definitely makes every hiccup in life much easier.

    3. It can actually be cleansing. Everything is relative but the picture above is of the land that we were trying to sell when a fire came through in August 2018. The photo below is what it looks like today. Because it didn’t sell and I couldn’t handle the deterioration of our relationship or being in limbo anymore, I bought him out and now, I am so much happier than I have ever been!

    4. You can see how your friends or potential partners react when there is a crisis. Many relationships survive in suburbia by going to the movies, having children and no apparent tragedies. The tragedy is that they don’t flourish or grow outside their comfort zones. Once we are challenged we get to see what our coping mechanisms are and who we can rely upon.[/list][vc_column_text]This may be a simplistic view but I’ve been frustrated with the blame game that people are playing. How much energy has gone into that? If the RFS volunteers don’t agree on what has caused it and yet they step up to take action, how can we as a collective do the same so that we never experience this again?

    There are many factors at play and many branching domino effects. For example, laws need to be made and abided by. Trees need to be planted and deforestation stopped. Hazard reduction burning needs to occur and funding for all of these activities supplied. But at the ground level we can look after our own area. As one man who saved his house said, he raked all the leaves, took preparatory action and quarantined about 9000 L of water. When the day came he was ready. So preparation is key, although it’s not the only factor. Whatever you do, given the future climate regardless of cause, don’t build the same house or do the same thing as before the fires came through. Look at this as an opportunity to change direction for the better. Could you build an Earthship or something similar? Could you grow a different crop? Could you have different animals? I’ll leave it with you and look forward to your thoughts.

    And if you’d like to have “PMT in the Workplace: How Positive Mental Thoughts affect Productivity” delivered on site (or any other YMM workshop) just Contact me. I hope the rest of this season holds some respite for you xx

    Jan20[/vc_column_text][/vc_column][/vc_row]

  • Play Point 86: Five weeks from Cairns to Perth via Sale, Vic (AUS) or Niagara Falls to LA via Pt Canaveral, FL (USA)

    That’s what Mum and I did. It had been planned for a couple of years and taking her on her Bucket list trip was an early 75th Birthday present. Losing my brother to suicide in 2004 taught me that if we manage our money well we can spend more time with loved ones. My last words to him had been “I’m busy can I call you back?”

    And I did leave a message the following night but will never know if he got it. So now I’m never too busy for loved ones. With time being our most precious resource, the less money we spend the less we have to work and that means more time we have to spend as we please. Yes it’s a balance.

    So Mum and I travelled as sustainably as we could. We kept airline cutlery and serviettes as well as hotel soap, so we didn’t use “more”. Yes they were tense moments but there was also hilarious laughter and we developed a deeper understanding. I lost my cruise virginity sailing into Hurricane Dorian and really feel for the people of the Bahamas. In Mexico a man was honest when I asked if the maracas were made in China so I bought one anyway, as a thank you for exhibiting one of my highest values.

    Playing Perfect Match on the ship I realised I was a little different. When asked what would you do with $1 million, the others said buy a car and buy a yacht. I said buy a piece of the Amazon 😉

    Then the Grand Canyon! Wow! It was my second time there (just like Niagara) and each place was better the second time round. We went to the West Rim and with a fear of heights both mum and I lost our Zip-lining virginity. Amazingly Mum who is even hesitant on my 12th floor balcony in Brisbane, had less qualms than me on both Zip lines. Embarrassing as it was, it turned out that the fear was completely misplaced because once I stepped off the platform the Zip line was actually a LOT of FUN! So my plan when next in Vegas, is to Zip line from the Stratosphere to see how going over the concrete jungle compares to nature.

    Just a tip of the iceberg of the first Bucket list trip (apparently Hawaii and Alaska are also on her list). Memories created for a lifetime and money well spent. So what’s on your Bucket list? And when will you start experiencing it?

  • USA trip

    Date: 17th Aug – 24th Sep

    If you’d like YMM to visit you as she travels from the East Coast (NYC down to Florida) and then across to the West (into San Francisco on 9th Sep, Vegas and leaving LA on 22nd Sep), then get in touch

  • Southern visit

    Dates: June 2019

    As YMM travels to Canberra to present for a Private organisation on 19th June she will be available for other engagements including individual appointments. Locations between Grafton and Canberra between the dates of 14 – 22 June. Please contact her early to ensure you don’t have to wait another year to see her in person!

  • 20th June 2019

    Fancy an informal evening of learning a couple of tricks to help you with your cash flow and credit rating? Think of it as a new Financial Year get together! We’ll provide the hot cuppa and snacks, some humour and a lucky door prize. After a short presentation, the floor will be open for questions and then we’ll mingle in case you want to meet quietly in the corner 🙂 Come along to hear Rachael Hunter from Argentium Finances talk about

    • How Lending Borrowing Capacities are calculated
    • The impact to people’s Credit Scores since the inception and take up of Open Banking

    Larissa (Zed) Zimmerman, Your Money Mistress from National Financial Fitness will talk about:

    • How to Whip your Wallet into Shape
    • The Basics of Investing

    Cost
    Free

    Bookings
    Bookings for this event are required.

    Please note: Due to website processes, sessions may fill prior to showing a ‘booked out’ or ‘wait list’ status online.

    Dates / Times

     

    Library Date Time
    Unit 9, 1-3 Altree Crt, Phillip (Canberra) 20th June 6:15 pm for a 630 presentation

    You can RSVP by sending an email to smile@yourmoneymistress.com by 18th Jun and then please turn up ? for catering purposes

  • 29th May: Setting Your Financial Goals for 2019

    Setting Your Financial Goals for 2019

    Dates: 29th May 2019

    Planning an overseas holiday, buying a home, or thinking about retirement? Join semi-retired financial educator Larissa Zimmerman to learn techniques to help you set and reach your goals. Suitable for adults only. Registration essential.

    Cost
    Free

    Bookings
    Bookings for this event are required.

    Please note: Due to website processes, sessions may fill prior to showing a ‘booked out’ or ‘wait list’ status online.

     

    Dates / Times

    Library Date Time Bookings
    Deception Bay Wednesday, 29th May 1.00pm – 2.00pm Register now
  • Play point 85: G’day USA and Canberra: Crazy lady coming your way!

    Delayed gratification and self-discipline. Two factors that not only make the reward sweet but also give us time to get clarity about what we really want. Over time the JOMO (joy of missing out…..on all the stress that goes with keeping up appearances) will ironically see you living with much more.

    For example it wasn’t until 2014 that I had my first trip to mainland USA and in August this year I’m going back for my third trip. I’m taking Mum on a bucket list trip to see Niagara Falls and the Grand Canyon. Prior to that I’ll be in Canberra from the 16th to 20 June if you’d like to catch up. I’ll be speaking at the Australian National University entertaining staff on how to whip their wallets into shape. We’ll be covering the psychology of money and how to retrain the brain, topics that are covered in the online products available here. Indeed it’s not the numbers, it’s the mindset. If it was just the numbers then everyone over a certain income level would have a certain level of Financial Fitness and we know that’s not the case.

    Now these trips away from the beautiful 300 acres I call home are made possible because I focused on building my nest egg and paying off properties first. In my 20s having graduated from the Royal military College Duntroon I had friends who frequently bought the latest model of something or went on annual overseas trips. Some of them now regret not focusing on their financial future. However every moment in time is an opportunity to change direction so with the new financial year* look to make new financial year resolutions. If you’d like help in achieving these goals or creating a fun relationship with your money just contact me.

    And if your workplace (both in the USA and Australia) can see the benefit of joining thought leaders like Westpac, ANU or Barnardos (among many others), in offering this training to their staff they can make an enquiry via the Financial Fitness site. The training is tax deductible and is a great recruitment and retention tool, with employees being able to focus more on work while at work, and less on their personal financial life. Remember that we cover how to have a healthy mind, body and wallet, suggesting you do the same. These three pillars of heath are the foundation for awesome results in life!

    *in Australia the fiscal year runs July – Jun however wherever you are, since it’s not the silly festive season, it’s an ideal time to create financial goals (midway through the calendar year)

  • Setting Your Financial Goals for 2019

    [vc_row][vc_column][vc_column_text]

    Setting Your Financial Goals for 2019

    Dates: 16th February 2019

    Planning an overseas holiday, buying a home, or thinking about retirement? Join semi-retired financial educator Larissa Zimmerman to learn techniques to help you set and reach your goals. Suitable for adults only. Registration essential.

    Cost
    Free

    Bookings
    Bookings for this event are required.

    Please note: Due to website processes, sessions may fill prior to showing a ‘booked out’ or ‘wait list’ status online.

     

    Dates / Times

    Library Date Time Bookings
    North Lakes Saturday, 16 February 1.00pm – 2.00pm Register now

    [/vc_column_text][/vc_column][/vc_row]