How To Cultivate Courage

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6 Steps to increasing your risk tolerance


Throughout my life people have often commented on my risk taking abilities. I have been called brave and tenacious, a high level risk taker. The strange thing is that I don’t feel like a risk taker at all. I often compare myself to others and feel disappointed in my ability to take risks.  Some of the things I have done include;

Moved across the world a number of times

Had a baby in a foreign country

Moved to a new city with a one year old and my husband, with no jobs and without knowing a single person

Left full time employment to study photography

Started a business

Purchased numerous  investment properties. I purchased  my first property when I was 19.

While people have said that these have all been big risks, I have never really felt like I was taking a risk at all.

1.  Always have a backup plan

I always have a plan b. I usually have a plan c, d, e,  and f too. I have as many alternate plans as needed to make me feel comfortable with taking the risk. When you always have a backup plan then the risk is reduced greatly.

2. What is the worst case scenario?

I always ask myself this. I will only take the risk if I am happy with the answer. When we moved across the world with a one year old and no jobs, we asked ourselves ‘what is the worst that could happen?’ The answer was that ‘everything could go wrong and we would have to move back again’  Moving back to the beautiful city of Bruges wouldn’t be such a bad thing. When investing in  property the worst thing that could happen would be to lose a lot of money.  I have never been too scared of this. I value health much higher than money and if I was to lose money then at least I would have learned a lot and become better prepared for next time.

3. What could I regret more: doing this, or not doing this?

This is another question I ask myself when trying to make a decision that could be seen as risky. Sometimes the bigger risk can be to not doing something.

4. Balancing risk with comfort

Taking risks usually takes us out of our comfort zones. Pushing our limits needs to be balanced with spending quality time within our comfort zones. This allows us to rejuvenate completely and make better decisions when taking risks.

5. Focus on your strengths.

For me I trust in my problem solving skills. Things don’t seem so risky when I know that if a problem occurs, I will figure it out. I am resourceful and not afraid to ask for help.

What are your strengths?

6. What would I want my daughter to do?

Sometimes our own insecurities and self doubts can get in the way of making decisions for ourselves. Often when I have a big decision to make, I contemplate this question. Focusing on what we would want a loved one to do in a situation can help us to make better decisions and take bigger risks.

Is there something you have always wanted to do but been too afraid?

Let us know in the comments below.

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Financial Freedom Friday – The Spaces Between

Photo taken from a holiday in Sweden
Photo taken from a holiday in Sweden

A lesson in Rest and Play

The path to financial freedom usually involves a lot of hard work.

Long hours, difficult decisions, problem solving and taking risks.

It is important to learn that the quality of your work is determined by the quality of the breaks you take.

This quality of your breaks will determine how quickly and smoothly you will travel along your path to financial freedom.

Overworking is easy to do. Just one more hour. Just one more day or week. Then you will take that rest. Something always comes up and the rest and play becomes a last priority, often missed out on altogether.

What can you delegate?

What can you stop doing in order to get some quality rest and play time?

Where can you be more effective in order to create time and space for rest and play?

How do you rest?

What do you do for fun?

What activities take your mind off work completely, even just for a few moments?

Rest and play doesn’t need to take up much time.

Perhaps in between each task you complete you could take five minutes to take a few deep breaths, have a nice cup of tea and enjoy some fresh air.

Without quality breaks, (the type where you aren’t thinking about work and checking your email every 2 minutes) you will never get the time to fully recharge.

As entrepreneurs, business owners or parents it can be so hard to draw a line between work, rest and play.  Whenever I am needing a reminder I think of this poem.

  FIRE ~ Judy Brown

What makes a fire burn
is space between the logs,
a breathing space.
Too much of a good thing,
too many logs
packed in too tight
can douse the flames
almost as surely
as a pail of water would.

So building fires
requires attention
to the spaces in between,
as much as to the wood.

When we are able to build
open spaces
in the same way
we have learned
to pile on the logs,
then we can come to see how
it is fuel, and absence of the fuel
together, that make fire possible.

We only need to lay a log
lightly from time to time.

A fire
simply because the space is there,
with openings
in which the flame
that knows just how it wants to burn
can find its way.

Poem can be found  here

What do you do for fun? Let us know in the comments below.




The Power of Rituals and Routines


The outcome of our lives is determined by the actions we take. These actions are determined by the habits we create for ourselves, both good and bad.

One way to create good habits is by implementing little rituals and routines into our lives.

I resisted the idea of creating routines in my life for years.  I thought that by following routines life would become boring and restricted.

In fact the complete opposite is true. The more routines I create for myself, the more time I have spare to do fun things. The more I follow my routines the more space and time I create.

Rituals and routines can also be comforting in times of stress. They allow our minds to know what is coming next, creating a sense of calm.

I used to spend an entire day doing housework. These days there is no way I could possibly do that. There just isn’t time. So it is important for me to create lots of little routines and rituals that allow me to keep the house clean and tidy to a standard that works for me. It’s far from perfect, but it works.

For example every time I make a cup of tea I have to work on cleaning the kitchen while the kettle is boiling. As I work from home and drink a lot of tea, the kitchen is always clean and I don’t have to worry about finding time to clean it.

Every night before I go to bed I set the washing machine up to start a load of laundry at 4am, ready for me to put out in the morning. It keeps things moving and the washing never seems to pile up.

These are just two of the many simple routines I have  for keeping the house at a level that is suitable for me. I have had a long habit and practice of decluttering too, so that makes things easier to manage.

Attach routines to any goal you are trying to achieve.

I have a problem with a lack of strength in my shoulder due to breaking my collar bone a few years ago.

Whenever I have finished brushing my teeth I work on doing a handstand against the wall outside of our bathroom! This simple habit takes less than 2 minutes a day but is having a huge impact on my health. It’s a fun little routine that is helping me build strength and work towards something that is a little outside of my comfort zone!

The best way to build a routine and a new habit is to keep it simple and attach it to something that you do on a regular basis.

What is your goal?

What is a small action you can take?

How many times a day would you like to do this?

What is something you already do this many times throughout your day?

How can you attach your new step to your old action?

Don’t forget that this is just a simple way to build a new habit and it can take time and practice. This system isn’t designed to give you a new way to feel disappointed in yourself for not doing it right! The goal is never to be perfect. The goal is to build new skills and find what works for you.

Let me know what actions you add to your routine in the comments below

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Speak Your Truth Tuesday


A few weeks ago I was playing a game of Snakes and Ladders with my daughter. Inside the box there was a piece of paper describing the origins of the game. I found the information really interesting and wanted to share what I’d discovered. I didn’t tell anyone though because I kept thinking that it was something everyone already knew and that I was silly for not knowing too.

The mind can be so mean!

So I thought I would share it here.

Snakes and Ladders is an ancient Indian game based on religious teachings. The ladders represent ‘virtues’ such as generosity, faith and reliability. The snakes represent ‘vices’ such as lust, greed, anger, murder and theft. The game teaches that by taking virtuous action we move forward in life faster and by taking action that aren’t virtuous then we move backwards in life.

The number of ladders is less than the number of snakes as a reminder that a path of good is much more difficult to tread than a path of sins.

I saw Snakes and Ladders in a whole new light. Until a few weeks ago it was just a simple game to play that really didn’t mean much.

Now I implement it’s concepts into my own life. There are actions that I know will move me closer to my goals and actions that will move me further away. My goal setting has become simpler, much like the game itself.

Is there anything you have ever been afraid to say because you thought it was too obvious, or you should know it already? Please share in the comments below.



Unleash The Creative Within

Studying creativity isn’t just for artists.


Creativity is what will allow you to start or take your business to a whole new level.

Creativity is what will allow you to find ways to reach financial freedom

Creativity will enable deep and connected relationships

Creativity will help you find purpose, fulfillment and alignment

Creativity will bring passion, joy and excitement to all areas of your life

Who is this for? Anyone wanting to discover and UNLEASH their creative side. Especially those that believe they don’t have ‘a creative bone’ within their body. Anybody that wants to take their creativity to the next level

What do you get? A 30 day course with lessons, tools and assignments to help you break through creative blocks or take your creativity to the next level.

Cost?  $33.  Please use the Paypal link below to make payments. Thank you

As with all of my courses I offer personal email support to give you all of the guidance, motivation and accountability you need!Untitled-8
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With Love