A gentle bridge into the year ahead Following 12 Days of Money, Mind and Meaning , this is not a “next steps” list. It’s a pause. A moment to take everything that surfaced - the reflections, the discomfort, the clarity, the quiet shifts - and decide how you want to carry it forward. This bonus piece is about finding constructive ways to cope with the noise of the festive season. The opinions. The well-meant advice. The comments that linger longer than we’d like. Not by pushin

12 Days of Money, Mind and Meaning Debt is one of the most misunderstood parts of personal finance. Not because it is complex. But because it is emotional. For many people, debt does not just sit on a balance sheet. It sits in their core. It affects confidence, self-worth and identity. It whispers stories about failure, irresponsibility or being “behind”, even when those stories are not true. This is why debt needs both a practical plan and a mindset reset. Debt is not a verd

12 Days of Money, Mind and Meaning Money conversations rarely fall apart because of numbers. They fall apart because money touches something far more personal. Power. Access. Confidence. Vulnerability. In relationships, money often becomes a tale of two halves. One person may feel confident speaking about money. They learned the language early. They are comfortable making decisions, comparing options, and holding responsibility. The other may feel unsure, excluded, or hesitan

12 Days of Money, Mind and Meaning There is a quiet tension many of us carry when it comes to money. We are good at planning for growth. We think about goals, improvements, and what we want more of. We focus on moving forward. But we often avoid planning for loss. Not because we are irresponsible or careless. But because it asks us to sit with vulnerability. Taking deliberate action to put protection in place brings us face to face with questions we would rather keep at a dis

12 Days of Money, Mind and Meaning Financial resilience is often misunderstood. Many people imagine it means being perfect with money, always prepared, always steady, always disciplined. But real resilience is much simpler - and much more human. Resilience is your ability to bounce . Not bounce back  into perfection or productivity. Bounce enough to steady yourself. Bounce enough to move forward. Bounce enough to keep your life intact while things shift around you. Women, esp

12 Days of Money, Mind and Meaning People, women in particular, are often expected to have answers long before they have space. To make decisions when they’re already overstretched. To plan clearly while juggling emotional, mental and financial loads. It’s no wonder overwhelm becomes a constant background noise. Your brain simply cannot process everything at once. This is where the NOW – SOON – LATER method becomes incredibly powerful. Instead of trying to tackle all decision

12 Days of Money, Mind and Meaning There comes a point in every woman’s life when goals stop being enough. Spreadsheets stop being motivating. Budgets stop feeling like “the answer.” And something inside whispers: Who am I becoming? Because beneath every financial decision, habit, pattern or hesitation… a deeper truth is at play: We behave in alignment with who we believe we are. If you see yourself as someone who struggles with money can’t be consistent always overspends ca

12 Days of Money, Mind and Meaning If you’ve ever found yourself clicking “add to basket” at 10pm after a long day…or treating yourself to something you didn’t budget for…or shopping online to soothe a feeling you couldn’t quite name… You’re not alone. And you’re not doing anything wrong. You might be in a HALT state . HALT stands for: Hungry. Angry (or Anxious). Lonely. Tired These four states dramatically reduce your emotional bandwidth and decision-making ability. When any

12 Days of Money, Mind and Meaning If there’s one thing that quietly drains people’s energy, emotional wellbeing and financial clarity, it’s the relentless list of “shoulds.” “I should be saving more.” “I should know this by now.” “I should be further ahead.” “I should feel more in control.” “I should be able to handle everything.” “I should, I should, I should.” Shoulds sneak into your mind disguised as motivation, but they work more like pressure. They tighten your chest, p

12 Days of Money, Mind and Meaning If you’ve ever felt exhausted by life even on days when "nothing happened," you’re not imagining it. You’re carrying more than the world realises. Women often hold up entire households, relationships, schedules and emotional ecosystems through invisible work. And this isn’t captured in job descriptions, calendars or budgets. It lives in the mind and body, quietly draining energy, confidence, time and capacity. This is the mental load. The me

12 Days of Money, Mind and Meaning When we think about improving our lives or our finances, the focus is often on what we want to achieve or create. New goals. New habits. New commitments. New plans. But an equally powerful place to begin is with what we don’t  want. Day 3 is an invitation into honesty. Not harsh honesty. Not critical honesty. Gentle, forward-moving honesty. It asks you to look at the past year and acknowledge the moments, behaviours, pressures or patterns th

12 Days of Money, Mind and Meaning Not every part of the year goes to plan. In fact, it’s usually the unplanned bits that shape us the most. Day 2 of our series invites you to revisit something that went wrong this year. Something that frustrated you, embarrassed you, challenged you, or pushed you out of your comfort zone. Your brain might still label it as a “bad moment”. But time, reflection and perspective often reveal something much more valuable beneath the chaos. This

12 Days of Money, Mind and Meaning We rush into planning the next year with colour-coded goals, fresh notebooks, and a hopeful sense that this time  we’ll do things differently. But before any of that matters, there’s a powerful first step that almost everyone skips. Look back. Before you look forward. And the simplest way to do that? Open your camera roll. Yes, really. Your camera roll is one of the most honest storytellers you have. It shows where your time, energy, attenti

A gentle end to your year. A grounded beginning to the next. This time of year often arrives with noise. The pressure to finish strong. The comparison to others. The emotional load of caring for people, plans and expectations. The financial strain that can sit quietly beneath it all. For many women, December becomes a month of holding everything together for everyone else - while carrying the invisible weight of mental load, money worries and the constant feeling of “I should

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