Sunday, 7 February 2016

Financial Success – Stepping stone towards holistic happiness

I have hardly found a person so far who is not overly focused on ‘making money’, ‘growing bigger’ or ‘being financially successful’. By ‘overly’, I intend to express that the time spent talking about these aspects far outstrips all other facets of life that may be potentially the happiness quotients. When goaded, some streaks of semblance emerge but the intensity is very weak. As a life coach, the area of financial goals is inseparable part of my work, even though it may rub shoulders with financial advisory.


I, fundamentally believe, that everyone has a right to prosperity and abundance, and all are born with innate ability to attract them. The extent of success though, lies in developing financial wisdom, along with skills to make money. The fact is, we all live with bills to pay, and a wide variety of needs to fulfil, and pursuit of holistic happiness may be a utopia without financial success. Here are some pointers around building financial wisdom;


  1. Keeping goals in sight – Money can fulfil certain goals, and assigning a budget to each goal helps track progress and maintains focus. Beyond finances, this also establishes milestones of success till the day one may like to fearlessly pursue other passions.
  2. Mitigate risks – Capital protection is the base case scenario in any financial plan, Greed or fear may adversely impact the financial plan. Overly Leveraging is the biggest disaster one can inflict oneself with.
  3. Build assets, not liabilities – With passage of time, it is important to build assets that appreciate and fetch compounded gains, unlike unnecessary liabilities that will dent you with compounded liabilities.
  4. Diversify – Not putting all eggs in one basket is the mantra for long term success. Use cyclicality of asses classes to your advantage over long run while mitigating at the same time.
  5. Start early – Money has ‘Time Value’. Make the most of time, and not always ‘timing’. History suggests that disproportionate appreciation is observed when assets are given longer horizon.
  6. Manage temptations – Most people who hit a bounty get tempted to blow it up. While rewarding oneself is a great idea, it is better if it in proportion to a future need. Each one of us is different, and therefore may use rationale and prudence.
  7. Money depletes – Money eats itself (Inflation) if not mobilised and made to work. The value erodes and it never seems to be plenty with every passing year. Let it work FOR you and beat inflation to retain its value and grow in real sense.
  8. Know your ability to manage money – If one does not know how to manage money, never underestimate the need for an expert. I recall many who could make but not retain financial success.
  9. Money has numbers- Numbers never end, and life is finite. While chasing financial success, understand that it will soon cease to be a driver or satisfier in our pursuit to holistic happiness.
  10. Manage equilibrium- Learning to be calm amidst noise helps in focusing on one’s own goals. Treat ups and down in the journey to financial success may be temporary as long as consistency over long term is maintained. Understand that keeping and building skills is required to attract abundance. Keep learning.


Pursuit for financial success and stability consumes large part of our lives, time, and many other sacrifices. Persevering this phase with some discipline can help attain financial success over time.I know a few who have learnt the mantra of making their financial success work for them while they pursue their passions and life goals, and paving their way to holistic happiness.


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Thursday, 4 February 2016

Ten steps to traverse your journey to change

I was quite astonished to see a sudden surge in enquiries around New Year day, expressing intent to work on changing ‘something’ in life, and what could be better than a new year to begin. I could sense that most had terrific understanding of ‘what’ needs to change in their lives, and also the fact that when people sit back and mull over their ‘as is’ situation over ‘desired’ position, they are able to get great answers. Not surprised though, as I believe in the power of ‘inner core’.


I always have followed some basic premises when it comes to committing to a change;


  1. Know the need for change – Focusing on areas of highest pain helps focus the effort.
  2. Understand intensity – Usually what pains most is felt at highest intensity. There is no ‘right time’ if you feel higher intensity for a change.
  3. Visualise how future would look like – If it is changed or dealt with, what would it look like.
  4. Understand what you could resist – Behaviours change by thrashing comfort zones.
  5. Commit, invoking all inner strength – Once committed, take it as ‘irrespective’. Establish benchmarks for yourself, not relative to many others. Trust your inner power.
  6. Engage with positive people to soak motivation and goodness. Affirm to the desired.
  7. Be mindful during change – Win over each emotion, feeling that is encountered en-route.
  8. Celebrate, and reward yourself for each win, and re-charge to overcome failure. Feel the change even ‘physically’ in your body.
  9. Look back only to know how far you have reached. Not sideways to where others have.
  10. During the process, build accountability and find an agent of change. One who can help you traverse through this journey. Find a good coach who can support you during the process.


Searching for few answers? Want to change but need to discover that ‘something’? visit or call 9893222222