Tag: Money

Success Will Follow

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Give first and success will follow.

Although, it depends on what your idea of success is. If success means ending up a stingy old person, making no positive impact on the world, then giving is most definitely not for you.

But, if your idea of success is having a loving family, being a generous person, sharing your life with those that you care about, having a life of growth and learning, then that will require something of you first.

I have become more aware over the years that a generous act is the catalyst for most of the good things in life. Some of those good things are guaranteed, like the positive emotional and psychological effects that generous acts have, and some of them are not guaranteed at all.

For example, there is no guarantee that if you are a generous person that you will have a happy, loving family life. But I can guarantee you definitely won’t have a happy, loving family life if you are not generous. It’s a risk to be generous and hope that good things come, but the consequences of not being generous are heavy.

The irony is that being generous solely for the sake of reaping the benefits takes something away from the generous act, but it doesn’t completely cancel it out. So, even if you can only muster a generous act because of what good it will bring you, keep doing that. Over time, being generous will change you and you will begin to seek the rewards less and less.

So, give first and then see what comes.

How to get a tattoo

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It had been something that I had wanted for decades but was too afraid of the permanent reality of it. What would it look like when I was 80?

After realising that 80 is never a guarantee for anyone, I thought I would make the most of my life now and get inked.

But how does one go from being someone who has no tattoos (a clean skin) to someone who does? It may not be a big thing for some, but for me it was massive. It was a change in identity and a change in how I would think about myself. I had to become the type of person who had a tattoo.

So, I decided to take it one step at a time.

First I decided where on my body to get it.

Then I chose what the tattoo would be.

Then I chose a tattoo artist.

Then I reached out to the artist.

Then I met with the artist to talk about the tattoo.

Then I booked my first appointment.

Then I went to the first appointment.

All of these things are something that a person who had a tattoo would do, but to this point I didn’t have one yet. I could still choose not to do it and it would be a more educated choice than if I had sat on my hands and let my fear make the decision for me.

I ended up choosing to go ahead, and I am really thankful that I did. I am really pleased with the outcome and the meaning behind what I have chosen.

Now, for you, you may not be interested in getting a tattoo, but it is likely there is something that fear is keeping you from. Possibly something that you want to do, or think you want to do, and fear is making the decision for you. What small steps can you take that will help you become the type of person who does the thing that you want to do? There are a steps you can take even before you commit to doing it – maybe it’s a job that you want to go for but you’re afraid that it’s not the right one, or that you won’t know how to do it. Maybe there’s something in your life that you would like to change, but it seems like it’s too big to do anything about. Maybe your finances are in a bit of a mess.

As always, I will bring it back to generosity as well – maybe you would like to become more generous.

Think about what someone would do if they were the type of person who had that job, or made that change, or managed their finances well, or were incredibly generous. Then take some small steps towards that.

Beginning that journey will help you in your process, I guarantee it.

People & Things – Advice for people

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People are multidimensional. Some have suggested that there are many ‘selves’ which live in our brains, so who we are in any given moment is dependent on which ‘self’ is at the wheel. Try talking to a toddler when they are hungry, or tired or in desperate need of the toilet. You will get three different responses, probably three different types of anger. Same person though, but very different to the person they are when they are having a great time jumping on the trampoline.

Adults are just more complex, larger versions of toddlers.

Therefore, you can’t take a single action that someone performs and generalise who they are as a person. You might have caught them at a bad moment, a rough day, a moment of weakness, or a difficult season. Also, people can be capable of extraordinary acts of kindness and love in one moment, and then be a jerk to someone else the next. Some of the most vile people that have ever lived could still have moments when they were a loving parent.

“Stuff can be two things” Jake Peralta

We can be both loving and a jerk.

The person that you live with, or know very well, or are having a disagreement at work/on the internet with, is more than just the things that they say and do.

In saying that, Aristotle is credited with this quote, ‘You are what you repeatedly do. Excellence is not an act but a habit.’

Who we are as a person is deeper than the things that we do, but what we consistently do, shapes our person.

Excellence and love and kindness and generosity are a habit. So is being a jerk. So create the habits which will allow you to become the type of person that you want to be.

3 years from now…

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“3 Years from now you will be 3 years older.” James Clear


Time will always do what it does. It rolls on regardless of how you think about it, or how you feel, or how you spend it. You can’t stop it but you can choose what you do with it.

So, in 3 years would you like to be more generous? Start now. Start small. Create a daily , weekly or monthly generosity action.

Maybe give $5 a month to a charity. In three years that will be $180 and then you will be the type of person that gives regularly to charity.

Maybe $5 isn’t enough, maybe $50 is more your style, that would take it $1,800.

Maybe it’s $500 a month making it $18,000.

The amount doesn’t really matter.

It’s the flywheel effect. Small things begin to build momentum and over time it creates so much that things seem to be moving all by themselves. But you can track it back to a single choice and a small action that was repeated again and again.

From little things, big things grow.

What can you do in the next week to create a more generous ‘you’ in 3 years?

Too many books?

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My kids sleep with, what seems to be, hundreds of toys in their bed. There are stuffed toys, toy cars, small animals, lego men and piles of books. I’m not even sure that any part of their body touches the mattress there is so much junk.

I honestly don’t know how it came to this – I am reasonably ordered in life. The bed is for sleeping. The toys and books go in the playroom. But, apparently, my children have a more fluid understanding of how things work in our home.

The books, whilst super annoying when they fall under the bed and cause a frantic search when it’s library day at school, I am more okay with because books are important. It is important to read to your child. I think every parent knows that, and there are studies that have found that young children whose parents read to them daily have better school experiences. There are other studies that have shown that homes which have books in them are more likely to have better educational outcomes, even if they aren’t read.

So, my kids, by sleeping on books, should end up being geniuses. That’s my working theory.

Education is important, and we all want the best for our kids.

Whenever I meet the women that Opportunity International Australia work with, their motivation for using a small loan to build a business and work their way out of poverty is so that they can give their children a better life. They, first and foremost, want their children to go to school and get an education, because they know that this will be a huge benefit for the kids in the future. Even if they haven’t been able to go to school themselves.

For women like Bhikhiben in India, who desperately wanted to go to school when she was younger, but had to make an impossible and devastating choice after her mother died. As the oldest of five siblings, she quit school to help raise them.

No child should have to choose between going to school or looking after their family. But that was the reality for Bhikhiben.

Even though she only has a few years of education, she has taken a small loan to build her own business to create an income which has allowed her kids can go to school, get enough food to eat, to pay the loan back as they work their way out of poverty.

Once the loan is repaid, it gets recycled on to the next mother, so she can do the same thing. With 98% off all loans repaid and recycled, that is a lot of families that are putting their kids in school.

Bhikhiben was robbed of her chance to get an education, but that has fuelled her desire to make sure her children get one. This is how generational change is created.

You can donate here to help women like Bhikhiben lift their families out of poverty.

To those who are still giving…

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Again, we find ourselves in a crisis (there’s always a crisis). Sure, inflation seems to be slowing down, but talk of the cost-of-living crisis is strong in the community and there is no doubt that some are really struggling to make ends meet each week.

Here’s what I know, more people are giving less, and less people are giving more. Some are giving to charities at their normal levels, and more on top of that because they are able to, and some are giving less than they normally would as they juggle financial priorities. But those who are still giving have made it a habit, one which they don’t say goodbye to when finances get tight. They still give but give less because it’s easier to increase and continue than it is to start something that you have stopped.

So, no matter how tough things are for you right now, make sure you find a way to maintain your generosity to those around you. It will make you feel better about yourself and it will make a huge difference to the organisation that you are giving to.

To those who are still giving, we thank you.

Tyred of the same thing?

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Christmas is upon us. It’s nearly here. It’s happening.

As you go about your preparation for this season and think about the people you will buy presents for, think about what they would really like. I’ve noted before that this is not my strong suit, but I am not the only one.

I recently found out that Australian’s will spend $921 million on presents for people this year that are unwanted. That’s right, almost one billion dollars on gifts that people will throw out. $35 for every man, woman and child will be chucked out. Creating 275,000 tonnes of landfill, about a kilogram for each person.

So, in order to save yourself some time and landfill, reach into your wallet or purse, grab $35 and throw it in the bin.

Or, buy something that will do some good, ensure that your money gets used, recycled and used again, and see to it that your gift is recyclable, by purchasing a Gift of Opportunity. These gifts, like chicks, or ducks, or seeds, or old tyres (yep you read that right), represent things that women living in poverty in India and Indonesia use to create their own business from a small loan. Through that business they make an income, put food on the table, send their kids to school, pay the loan back and work their way out of poverty. Your Christmas gift this year is you providing that loan on behalf of someone you care about and letting them know about it. It’s feel good, do good, save the planet gift giving.

Merry Christmas!

Stormy Weather

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‘Walking round the room singing stormy weather…’

I was literally doing this as a teenager as Crowded House filled my mind with their music genius. Little did I know how important weather would become in my life. For years I would talk about it when I worked in radio. I was fascinated by the way the weather changed, how it could be so different in places that were so close together, and by how it made me feel.

I can take on almost anything if the sun is out and the sky is blue. It makes such a difference to how I feel and my optimism level.

Alternatively, pack the skies with clouds and rain and the cold, then no amount of coffee can perk me up.

I am working on this, and looking to make winter into a time of strength, but to date, the weather I am experiencing strongly influences my quality of life.

The good news is that if you change the weather, you change the experience.

Actual weather aside, there are times when life is filled with challenges and no amount of coffee (or whatever your poison is) can perk you up. So, change the weather/influence, change the experience.

One of the greatest methods of changing your mental health weather is through generosity. By acting generously to someone else, even when you don’t feel like it, it will shift your mood. It changes how you see the world, how you see other people and how you see yourself. Sometimes only by a little bit, but that is still a positive step.

It requires no set up, just find a person/organisation/group in your life that you can give something to, be it money, time, expertise etc. and then do it. The positive impacts will be numerous, for you and the people you are generous to, and so everywhere you go you can always take the weather with you.

Acting Out

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“You cannot think yourself into a new way of acting. You have to act your way into a new way of thinking.” Marsha Linehan 

At some point, action is required. Even though planning is important. Even though preparation is vital. Even though having a sound strategy is wise, there comes a time when it is all lost if we don’t do the thing. If we don’t take the first step and put the plan into action, the preparation to good use and the strategy to the test. A step must be taken.

There is always going to be a reason not to start just yet. There is always going to be a reason to put it off just one more day until you have ‘all your ducks lined up in a row’. But the real reason is fear. Fear of failure, fear of rejection, fear of looking stupid.

“But I’m a perfectionist” = “I am afraid”

“I’m not ready yet” = “I am afraid”

“The timing is not right” = “I am afraid”

Fear cripples, ruins, defeats, quenches growth.

Action begins to tell a new story. To create something new, to start a new journey, to begin a new chapter, first you must act in a new way. Your actions will shape how you think, and in turn, will impact how you feel.

For example, if you act generously, you will feel generous and begin to think generous thoughts.

Access to Joy

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Very few things are within your control.

Very few things are within my control.

The reality is that I can only control my perspective of the world and the things that I do. Trying to control anything else is a complete waste of energy.

Now, you might find that depressing, or you may be inspired by that because it brings with it a sense of freedom to focus on the only things that you can do anything about.

Stuff happens to you in life. Good stuff and not so good stuff, and then a whole lot of ‘in the middle’ stuff. We do not control any of that. But our response is totally on us. How we react is completely our decision.

Victor Frankl says that “between stimulus and response, there is a space. In that space is our power to choose our response”. We get to choose. We get to choose whether we bring joy or terror. We get to choose to bring life or death. We get to choose to bring love or fear.

No doubt, we all want to bring joy and life and love. It can be a challenge to get that right every single time we make a choice and respond to those around us, but we always have access to joy – it comes through doing things for other people. It comes through generosity. It comes through giving.

Choose joy. Choose generosity.