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Patricia Buckland

Self Care on a budget

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Self Care on a budget

I have an Allotment, which at the moment, looking out of my window into the dark and gloom, I miss.

I love my allotment; it’s not expensive and provides me with a place of peace and solitude. So I get self-care on a budget.

My allotment provides me with solitude

I find my allotment not only allows me to grow my food. During the Summer lockdown, it provided me with the solitude I needed for my mental Wellbeing.

person holding orange carrots during daytime, growing your own food, peace solitude, financial education
Photo by Dan Burton on Unsplash

For example, last summer, my husband and I were on the allotment. As part of the ‘allotment ritual,’ we always put up the fishing umbrella. It’s almost a tent and keeps us dry if it starts to rain.

If it does, we usually pour ourselves a cup of coffee and sit together chatting about what we have achieved, that day while we are having lunch.

It starts to rain
black umbrella, rain, peace, solitude, financial education
Photo by Azhar on Unsplash

This particular day, I was sat under the umbrella on my own, sipping my coffee, and the rain started to fall.

I could hear the pitter-patter of the raindrops as I sit back in my seat watching the steam from my coffee winding towards the sky. 

The sound of the rain momentarily transports me back to when I was camping as a child.

I feel at peace

The singing birds and the smell of the wet earth after the shower made me feel at peace.

And then after just a couple of minutes, my Husband sits down for a nice cup of coffee, and we start to chat.

Christmas Countdown Celebrations financial educaiton

Christmas Countdown

There are just three weeks until Christmas, and I can’t wait, walking around the Supermarket yesterday and looking at all the lovely food. I just don’t know where to start!

My New Year Blog will start the Christmas Count Down savings from Week 1!!

Sometimes we all need someone to talk to

Sometimes we all need someone to talk about our finances and help us reach our goals.

Work with me to help you have a better relationship with your money and help you reach your financial goals.

Book a FREE 30-minute discovery chat with me from my webpage.

All photos are for illustrative purposes only

Where to go if you need financial advice: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

How I found £100.00 while watching TV, and it wasn’t down the back of the sofa!!

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Remember that happy feeling you get when you find a forgotten £10.00 note in your pocket of a winter coat or last seasons handbag?

Well, I had that feeling only times 10 the other night!

Settling down with a coffee and watching TV

How I hear you ask?  As I sat on my sofa with my feet up drinking a well-earned cup of coffee.

While I was watching my favourite TV program, hubby walked past our mail and calmly picked up the bank statement. 

Usually it’s me, but he me beat to it this month !!

Yep, I know. I’m still receiving paper statements, that I like to keep and file away.  Then if I have a query in the future, I have a baseline I can use as a reference. (It’s a having worked in finance thing).

Hubby and the bank statement

As hubby walked across the room towards the sofa with his coffee, he began to open the mail.  Then as he sat on the couch, he started to glance at the bank statement in a relaxed manner

He then asked” Fancy doing the banking now?”, while waving the statement at me.

“Yeah, why not” I replied as I put my TV Program on hold.

Keeping track of our hard-earned money

Do we talk about money together? Yes, every day. We check our bank statement together every month.  It usually takes about 20 minutes to review the account.

He then askes “ how much did you spend on shopping this month?” I reply, and he confirms that that’s the amount taken from the bank.

We check all the outgoings, including our Direct Debits and make sure we’re not paying something we’ve cancelled.

 Food, petrol, rent, council tax, TV licence, water, utilities, and mobile phone are correct.

Why do we check them? To make sure they bank have paid them and that my providers haven’t overcharged us.

And then he asks “There’s a company that has taken a payment twice this month, is that correct?”

“Who?” I ask he tells me and I reply “No, that’s not right”. Immediately I go onto the company webpage and use live chat to talk to customer services.

Can I have my money back, please?

I tell them I think I’ve been overcharged and can they refund me?

After checking my account, they agree and refund me my £100.00 immediately, which will take 5-10 working days to get into my account. 

Which, of course, will be reviewed next month by both my hubby and me!

So I quite literally found £100.00 while watching the TV and it wasn’t down the back of the sofa! Which made my evening.

Why do we check our account together?

It’s just more accessible, and we can bounce ideas off each other.  The most important thing is to make sure we haven’t overpaid.

Every penny that leaves our account we have accounted for. It’s easier to correct any errors in the relevant month than retrospectively.

Even if we had separate bank accounts, we would still check the outgoings, only individually rather than as a  couple.

What if I hadn’t checked?

Suddenly it dawned on me, what if we hadn’t checked the statement,  would we have ever realised the overpayment?  So checking the bank statement worked. It saved us money.

Please leave a comment with any hints and tips on how you keep track of your money; it will be great to hear from you.

Christmas Count Down

There are 4 weeks, until Christmas day. I can’t wait, I’m browsing all the exciting magazines for that special dinner already!

Working with me

Sometimes we all need someone to talk about our finances and help us reach our goals.

If you want to work with your Financial Education and me, helping you have a better relationship with your money and reaching your financial goals.

Book a FREE 30-minute assessment

Click here to Book a FREE 30-minute assessment with me to have a chat about working with me.

Where to go if you need advice: StepChange   Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,

Disclaimer,  Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ
Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, the attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

Why my spending diary is my day one

By blog
Why my spending diary is my day one

Ssh, don’t tell anyone, but I’m a bit of a hoarder.   You know, Jam Jars, candles that I never light, chocolate bars in the salad box in the fridge and shopping receipts

“Shopping receipts?” I hear you ask

Yes, I keep all of them, I love them literally more than Chocolate!

Why?

Because they are proof of purchase, this means if you have to return anything, it’s proof of where, when and how you bought it, which makes the customer services job so much easier.

They are also great for keeping a spending diary.

What is spending diary?

It is a diary that you pin all your receipts into every day.

I started one many years ago and stapled my receipts to each page every day.  I could then keep track of every penny I spent.  So the habit of keeping track of my money has been with me for as long as I can remember.

Warning, there is no hiding place!!

And like my best friend it knows all my spending secrets. I mean every penny.   No matter how large or small, so each coffee, lunch, snack, travel ticket, magazine etc. All the receipts are pinned securely in the diary. If it’s online, it’s written into the journal referencing the confirmation of purchase.

Suddenly impulse buys are highlighted, it could help you to budget more effectively because quite honestly, there is no hiding. Every penny is accounted for.

Statement Reconciliation made simple

If you paid by contactless, credit card or cheque, you can check your receipt against your bank statement. Making sure the correct amount of money is deducted from your account.

It’s called a Statement Reconciliation in the finance world, and I have reconciled hundreds, of statements over the years as part of my job. To make sure I’m not overpaying the bills.

You can also use the receipts to check your credit card statement.

Yep, that’s right, check your credit card statement to make sure your account has been debited correctly. Let’s face it if it’s not your purchase, Why should you pay and maybe even be charged interested on your outstanding balance?

If you’d like to give it a try, I can help

Book a free 30 minute appointment, for a free assessment.

If you feel you would like to work me with, I would be happy to help you with your statement reconciliation.

Use the tools that suit you

There are many apps out there you could use instead of a diary, but quite honestly, I still like to use a physical diary.

In my experience, after a while, you may not need the diary.  Keeping track of your spending becomes a habit, so reconciling statements becomes easier.

It’s like everything, practice makes perfect.

Give it a try; it might help.  Let me know if it does; your feedback is always appreciated.

Christmas Countdown

There are 5 weeks until Christmas. I’ve been planning Christmas since last January. Are you planning your Christmas yet? Please leave a comment on my webpage.

Work with me, make an appointment

Sometimes we all need someone to talk to about our finances and help us create a strategy for us to reach our financial goals.

Click here to Book a FREE 30-minute appointment with me for a free assessment.

Where to go if you need advice:

Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,

Disclaimer,  

Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, the attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

The effects of stress on the mind and body. An interview with Psychologist Keeley Tavener.

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The effects of stress on the mind and body.  An interview with Psychologist Keeley Tavener of Key for Change

This week we talk about the effects of stress on the mind and body this is part four.

I’ve always been interested in the impact that stress has on the mind and body, so I asked my friend Keeley Tavener, and she agreed to chat with me on Zoom to discuss the subject.

So I thought I would transcribe an abridged version of the video an interview with Psychologist Keeley Tavener of Key for Change.  As an easy read. 

If you would like to watch the complete YouTube video, please click here

Keeley is an author

I ask Keeley if she has written a book, and Keeley replies that she is forever writing books and trying to reach people. 

She says “You know I think for me, I am a grassroots girl, and I want to help people across the board in as many ways as I can.  So I’ll use video, I write blogs, I have a blog out every week on my website.  I also have workbooks.  My current workbooks are about being an Empath,  how to help empathic people look after themselves because empaths are notoriously bad at putting themselves first.”

I agree with Keeley and say “Entirely me, I know, I know, I’m always trying to fix things.” because as an Empath that’s exactly what happens.

Keeley agrees with me and then says “And yet there’s a level of self-neglect. And I think what makes me different as a Psychotherapist is I’m unashamed about talking about my own battles, to demonstrate to people that change is possible.”

We’re all connected

I agree with Keeley and Keeley continues “You may view me as someone who has it all sorted, and I don’t, but I know enough that I know I’m on the right path and I know that life would challenge all of us and we’re all in this together.”

I agree with Keeley and say “Yeah, we’re all connected.”

Keeley agrees and says “Exactly. We really are, and that’s the tragedy, I think of the medical model, that things are dealt with in isolation.  Your physical symptoms are dealt with in isolation.”

The body is a truth-teller

Keeley continues “Just thinking about stress as well, another one that’s come up is eczema is another one that comes up in terms of people having flare-ups, on their skin, which is another way that, you know, the body keeps the score.  The body is a truth-teller.”

I agreed with Keeley and said “Yeah, it definitely keeps the score, doesn’t it.

Keeley continued “yeah, it tells the truth, so for so many of us, it’s a bit like today, I was being good, and instead of having a coffee in the morning, I had a mint tea, because I just, I ate late last night and I stopped before I just went into robot behaviour, and I thought what does my body need, and I thought, I can eat mint tea, sometimes it’s about paying attention.”

Keeley continued, “I’ve over-eaten for years, I was an obese child, and today I was eating breakfast and felt full, and it’s all of those factors, isn’t it? It’s a bit like my cousin, and I had a McDonalds last night and a part of me was like, I don’t think I really wanted it, but there’s that mutualness about we both eat together, so I kind of eat and go against a part of me, it’s like you don’t actually want to.”

Keeley continues “ So I always love to sort of notice life and how life shows up and by no means are any of us perfect, but what I am very good at doing is then starting to document that, because I know what’s personal is often universal, that we often battle by ourselves thinking it’s just me and in actual fact, so many of us  have got the same challenges, but are silenced because we think it’s just us.”

Social Media

I agree with Keeley and say “Which is the joy of Social Media, isn’t it? Because you can get to find other groups that you can kind of talk to as well.”

Keeley replies “Yeah and maybe, maybe for us as mature adults, it is, but obviously, as a mother of to a 19-year-old and a 22-year-old, I think, you’ve got that balance.  But I also think for a lot of adults; they are also using it for, you know, they have to be careful, we have to be very, there’s a lot of choice there.”

I couldn’t agree more with Keeley, and say you have to take Social media with a pinch of salt and that for me Social media is a source of entertainment.

Keeley has a WhatsApp self-care checklist

Keeley replies “As a practitioner who is informed by people, just as you know, I’ve done a WhatsApp anxiety self-care checklist.  Because WhatsApp kept coming up in therapy for loads of clients of all different backgrounds because they’re in family groups that are stressing them out, friendship groups where they’re being ignored, or subtle bullying has taken place, and if that’s been in someone’s history from before, it shows up.”

Which is something that I never had thought of and then realised that you have to careful using Social Media.

Keeley continues “Yeah, I think it’s like anything in life, everything has the capacity for good, and it has the capacity to be problematic.”

I couldn’t have agreed with Keeley more and then what seemed like a moment, and it was time it ‘wrap it up.’

Thank you Keeley for an amazing interview.

Join my newsletter group

Sign up now to my newsletter, and get my blog in your inbox Monday’s. As a thank you, please book a FREE 30-minute chat with me. Did I mention it’s FREE!

Christmas Count Down

There are nine weeks and five days, so just eight weeks to save up your hard-earned money to make paying for Christmas easier.

Sometimes we all need someone to talk to

Sometimes we all need someone to talk to about our finances and help us create a strategy for us to reach our financial goals.

Work with me to help you have a better relationship with your money and reach your financial goals. Make an appointment for a FREE now using the calendar a the top of this page.

Where to go if you need financial advice

Where to go if you need advice: Step Change  Citizens Advice BureauMoney Advice Service, Christians Against Poverty, National Debt Line,  ShelterTurn2us,

High Wycombe Bucks has a new food hub, click here for further details.

Disclaimer,  Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, the attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

The effects of stress on the mind and body. An interview with Psychologist Keeley Tavener.

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The effects of stress on the mind and body. An interview with Psychologist Keeley Tavener of Key for Change.

This week we are talking about the effects of stress on the mind and body this is part three.

I’ve always been interested in the impact that stress has on the mind and body, so I asked my friend Keeley Tavener, and she agreed to chat with me on Zoom to discuss the subject.

So I thought I would transcribe an abridged version of the video an interview with Psychologist Keeley Tavener of Key for Change. As an easy read. 

If you would like to watch the complete Youtube video, please click here

This week we discuss stress and mental health and I asked Keeley if Stress has a mental health issue too?

Keeley replied that as a Person-Centred Psychotherapist, she is becoming more confident in her view that mental health problems are symptomatic of a bigger issue.  Which is about people’s purpose, and it’s about self-actualisation.   And she personally believes depression and anxiety are clear signs that there is disharmony in your life.

She continues “And that if you can understand what your depression is communicating to you, what your anxiety is communicating to you, and most importantly begin to take small bite-sized steps, to bringing about change in your life.”

Epic change versus small consistent changes

We don’t want epic change because we know that we know that will overwhelm people.  Small and consistent changes are incredibly helpful. So I think again, you know, the medical model comes from a very, you know, a chemical imbalance in your brain is, often why you’re sad. And as I understand, places less influence on your social, political, cultural situations that you’re born into.”

People from disadvantaged groups are more susceptible to mental health problems

“We know  people from disadvantaged groups are more susceptible to mental health problems because we also know that access to opportunities, finance means that they’ve got less options to resolve their problems.”

I couldn’t agree more with Keeley.

Keeley continues “So, there is just no two ways around that. But I think one of the things.  This is why I meet with people for 90 minutes in the initial consultation is to really begin to look at what is impacting, what is crushing someone’s authenticity, what is crushing someone’s capacity to be who they truly are?”

Internal voice

Keeley continues “Is it their internal voice? Is it external situations? Culture matters? Whether there is cultural assumptions about how you should be, about what’s acceptable.   So I work with lots of Asian Clients, I work with Black people, I work with people from all parts, people in the Middle East.”

“I work with people all over the world, and I’ve been privileged to understand how, different cultural, how culture impacts on someone’s capacity to be who they truly are. And how humans navigate those restrictions to find a way.”

“So I think for me it’s very important to pay attention to how all of that impacts on the individual and creates stress. And in some instance, you know, I have to help people develop coping strategies. We know that some of my female clients in the Middle East, finding your voice, speaking in your power can actually put them at risk of death.”

Keeley continues “So it is essential that that cultural awareness is, you know, I’m aware of that and I’m sensitive to help people, doesn’t mean the stress will go, but that people find the appropriate coping strategies to navigate life.”

Workplace stress

“So, I think that’s something that I’m particularly, you know workplace stress is also another external factor that places a lot of pressure on people, stifles their authenticity, but also internally, how we think and feel about our situations.”

Keeley Continues “Whether we’re pessimistic, optimistic, how we’re wired, how we view, all of these factors place a significant impact. And it’s important that I am sensitive to that and assist as best I can, to help people find a way to honour themselves.”

“Because I think the dishonouring of the self is how we end up becoming disconnected from ourselves, which is where the rise of depression, anxiety, stress arise, which is why I view that as symbolic of, we need to assess your life, ‘cause we need to work out what’s getting you to this point.”

To be continued.  Next week we discuss Keeley’s book Key for change.

Join my Newsletter Group

Sign up now to my newsletter, and get my blog in your inbox Monday’s. As a thank you, please book a FREE 30-minute chat with me. Did I mention it’s FREE!

stress mind and body

Christmas Count Down

There are 15 weeks and 4 days until Christmas Day, so 14 weeks to save up your hard-earned money to make paying for Christmas easier.

Sometimes we all need someone to talk to

Sometimes we all need someone to talk to about our finances and help us create a strategy for us to reach our financial goals.

Please make an appointment now using the calendar a the top of this page to work with me to help you have a better relationship with your money and reach your financial goals. We all deserve that.

Where to go if you need advice: Step Change  Citizens Advice BureauMoney Advice Service, Christians Against Poverty, National Debt Line,  ShelterTurn2us,

High Wycombe Bucks has a new food hub, click here for further details

Disclaimer,  Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, the attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

 

How’s your Bin Behaviour?

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How’s your Bin Behaviour?

I know, right? Bin Behaviour? “What’s that?” hear you ask?

Keep reading to find out, it’s fascinating stuff!

An interview with Psychologist Keeley Tavener of Key for Change.  

 I’ve always been interested in the impact that stress has on the mind and body, so I asked my friend Keeley Tavener, and she agreed to chat with me on Zoom to discuss the subject.

So I thought I would transcribe an abridged version of the video as an easy read.  If you would like to watch the complete Youtube video, please click here

Bin behaviour.

As Keeley Says, “Check your Bin. You can work out from your Bin or your Credit Card Statements if your behaviour has changed”.

I couldn’t agree more.  With your Credit Card Statement, you can work our your spending pattern and any change in your behaviour.

Signs that stress is on the increase

Which Keeley Says “Is a really important sign your stress is on the increase.” “We look for things like, if we’ve got issues eating, binge eating, there are going to be certain wrappers”.

Keeley continues, “It may mean we are going down the confectionary aisle when maybe we used to give it a wide berth. We have to look at things like cigarettes, recreational drugs is another area and alcohol is another place where it shows up. And even more so, I know I’ve struggled with this through lockdown is internet shopping”.  

I agreed with Keeley and said, “I know what you mean.”

Keeley continues “I was getting parcels coming like six weeks later. I was opening them.  It felt like Christmas ’cause I didn’t even remember what I ordered, you know? Upon reflection that was how my stress with regards to, you know, the uncertainty that we were all facing was starting to play itself out  That was just self-awareness, that’s just about noticing, you know? Noticing is so helpful, it doesn’t mean we’ve stopped it, but actually, in hindsight, I can see that that’s another issue.

If we ignore or repress stress..

 If we ignore or repress stress, when we ignore stress signs, what can ofter happen is it shows up in our driving.”

I had no idea that this happens and was really surprised it hear it does.

“Yeah, Keeley continues, So, it can be, cutting people up, getting disproportionately annoyed, if you are cut up, aggressive driving.  Because sometimes  I think in the car, we are alone. Keeley continues We’re not doing a particular task as such, and so I think driving can often be a place where issues, frustrations can come to us…

The world of epigenetics

We also know, and there’s more evidence from the world of epigenetics.   I am also a fan of Dr Wayne Dyer, and they are talking about disease as well.

So, you know, stress that isn’t identified, compromises, well stress as I understand compromise the immune system as well. You know, fear is also not good for us. And we also know that can make us susceptible to disease as well.

And so it wouldn’t be wise for me to say much more around that; however, I would signpost people to Bruce Lipton’s work about epigenetics and how there are new sciences that are evolving.

That are looking for more broadly than the medical model at the impact that stress has on the organism and how it can be linked to a raft of diseases too.”

Our blog next week is:

Stress and mental health issues,

Join my Newsletter Group

Sign up now to my newsletter, and get my blog in your inbox Monday’s. As a thank you, please book a FREE 30-minute chat with me. Did I mention it’s FREE!

Christmas Count Down

There are 16 weeks and 4 days until Christmas Day, so 15 weeks to save up your hard-earned money to make paying for Christmas easier.

Sometimes we all need someone to talk to

Sometimes we all need someone to talk to about our finances and help us create a strategy for us to reach our financial goals.

Please make an appointment now using the calendar a the top of this page to work with me to help you have a better relationship with your money and reach your financial goals. We all deserve that.

Where to go if you need advice: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty , National Debt LineShelter, Turn2us,

High Wycombe Bucks has a new food hub, click here for further details

Disclaimer,  Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, the attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

My interview with Psychologist Keeley Tavener of Key for Change.

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My interview with Psychologist Keeley Tavener of Key for Change.

We are talking about the impact that long-term stress has on the mind and body.

I teach financial education, to enable people to make an informed decision concerning their finances.  Because money worries can cause stress, I was interested to know the impact that long-term stress has on the mind and body. 

So I asked my friend Psychologist Keeley Tavener to explain to me how this affects us all in a video that is available on my Youtube channel.  

This is part one of our conversation.

Keely tells me that she is a massive fan of my work in terms of debt and in terms of stress and financial stress.

She continues “ Financial Stress, this is something that definitely comes up in the Therapy Room, with the various clients that I work”…

The Financial issue shows up in the therapy room

“ The Financial issue shows up in the therapy room in terms of why people might not be able to pay for therapy anymore” Keeley continues.

“And sometimes with some clients, I’ll be encouraging them to think about well, what is your relationship with money?

“You know, how much stress does your money relationship bring?

Some people earn a great deal of money

“some people earn a great deal of money, yet for whatever reason, it’s still bringing stress. They don’t know where the money goes at the end of the month”. Keeley continues.

“And stress as a psychotherapist is something that shows up often in the room. But what I find most interesting is that often people don’t realise they’re stressed.”

“Yeah absolutely” I replied “Yeah they carry on don’t they”

The physical symptoms of stress on the body

Keeley continues “so over the years, I’ve been really privileged to understand from my clients, the physical symptoms of stress on the body, and they range from grinding teeth. Which happens when we go to our dentist for a checkup, and we’re recommended a mouthguard.  Ulcers, cold sores”.

 “I also know IBS is a massive factor that comes up for some of my clients, and some of my clients have been misdiagnosed Chrohn’s disease as well.”  “We also know, you know, heart palpitations, high blood pressure is another factor”

“And I think, I think one of the challenges for me is often, you know, my clients have gone to their doctors to get assistance and with the medical model and the fact that everything’s reduced to physical symptoms.  There isn’t always the space.   Or maybe the time for a conversation about, you know, what stresses are going on in your life?”Keeley continues.

Next week Keeley talks about our Bin Behaviour.

Christmas Count down

There are 18 weeks until Christmas Day, so 17 weeks to save up your hard-earned money to make paying for Christmas easier.

Sometimes we all need someone to talk to

Sometimes we all need someone to talk to about our finances and help us create a strategy for us to reach our financial goals.

If you want to work with your Financial Education and me, helping you have a better relationship with your money and reaching your financial goals.

Click here to Book a FREE 30-minute appointment with me to have a chat about working with me. To join my Newsletter click here

Where to go if you need financial advice:

Step Change  Citizens Advice BureauMoney Advice ServiceChristians Against PovertyNational Debt Line,  ShelterTurn2us,

Disclaimer,  
Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ
Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, the attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

When is saving not saving?

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Coffee with a friend

It was a warm summers day, and I had just managed to bag some real bargains.

I met up with my dear friend for a coffee, she’s an Accountant, and I had saved a load of money.  That was bound to be a good thing, as I sat down, with my feet throbbing in my designer heels.

God did I need a coffee. I had been marching around the shops and queuing to pay for all my lovely stuff. I had done it all, makeup, clothes, shoes, bags along with all the accessories I would ever need again.  I even managed to bag a brilliant offer in the handmade soap shop, a real luxury. I could feel the hot chocolate bath already!

Spend, Spend, Spend

“Wow you’ve been busy”, she said

“Yes,” I said, “I have saved loads of money, and my feet are killing me.” “God, do I need this coffee”.

“So, tell me how have you saved money?” she asked

“Because I don’t think you have.”

“um, yes I have” I replied as I continued to rummage through my bags, pulling out my loot and asking if the colour would suit me.

 “I have managed to add to my wardrobe for half price,”

“Oh, OK,” my friend said, “How much did you save?”

“£200.00, It was all half price.”

“So, you have spent £200.00? ”, she asked

“Yes”, I said, sipping my fantastic coffee and eyeing up the lemon cake.

“which has come out of your bank?” she asked

“Yes, actually it was a credit card, but it could have been £400.00”.

“Do you need all these clothes?”

I was beginning to feel annoyed.

I’d done so well, I had worked my socks off to get these bargains, and now the excitement was starting to fade away.

“How big is your wardrobe now?” she asked

“Big” I replied

“Capsule big?” she asked

“No, double wardrobe and a rack big.”

“OK” she replied, I could see the confusion on her face.

“So, will you be selling your old clothes, to make room for the new ones?”

“um no! Why would I do that?” I replied, sipping my coffee

“OK,” my friend said, she was thinking while taking a massive bite from her cake.

“so, what you’re saying is you have increased your already bulging wardrobe, including a hoard of accessories.  Which quite honestly although you’ll look great you don’t need it, and you haven’t saved up for any of it.

“yes” I replied

“I’m working as a Sales Manager;  I need to look good!” 

Did I really save money?

“Right, OK”, she said, “I’ll give you an example, “If you had savings and your designer shoes were wearing out, and you needed new ones,

“Yeah”, I replied, trying to imagine any of my designer shoes wearing out, which was not easy.

“Right,”

 “And you found a new pair in this shopping centre for half price; you would have saved 50%.  Because it was an expense, you needed to make.” she continued,

“If you don’t need the stuff you buy and you pop it onto your credit card, or it comes out of the bank it has cost you, you haven’t saved.”

Suddenly I realised.

Could it be that because I hadn’t saved up the money to buy my stuff and I didn’t need it either I had spent money, rather than save money?

And on my credit card too, which will cost me even more in interest and possibly years of my life, if I pay the minimum payment.

Did I keep my stuff? Too right I did, but her nugget of information has been my mantra for decades and has kept me on a very narrow path when it comes to the Sales.

Let me know in the comments if you get this. It’s a bit weird but makes sense.

If you don’t need it and you still buy it in the Sales, it has cost you.  But if you need it and you get it half price, you’ve done it; you have saved money.

Christmas Count Down

There are 21 weeks until Christmas.  Twenty weeks to save up. So any Sales that we buy from our saving at Christmas time will have genuinely saved us money

Sometimes we all need someone to talk about our finances and help us reach our goals.

If you want to work with me, helping you have a better relationship with your money and reaching your financial goals.

Book a FREE 30-minute appointment with me to have a chat.

Where to go if you need advice: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter Turn2us

High Wycombe Bucks has a new food hub, click here for further details

Disclaimer,  Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, the attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

Thinking about the Holiday Season Already!

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Photo by Arnel Hasanovic on Unsplash

Wow.  Yes, I don’t think I’m the first to say the word, Christmas. 

I know It just seems too early to be thinking of Christmas and how to afford it. But if you are not having a summer holiday this year, maybe this is the time to start planning Christmas.

Or if you start to buy now, you might save money in the long run, which would make it a Frugal Christmas.

My first thought is always; we don’t need to buy substantially expensive presents to show our love for each other at this time of the year. 

A small token gift would be great if I could only stick to it. Every year I start to feel guilty and want to spend, spend, spend. 

So every year, I set a budget that I can afford and begin to save up or start to buy gifts this month.  So I miss the Christmas rush, except for the last minute shop.  Which I usually do at Midnight.

Usually, this is the time of the year. I start to look around to book the Christmas Family Meal.

It’s where 26 people, no matter where they are in the world all congregate together as one big family to celebrate Christmas. 

This year it will be different.  But I’m still thinking and planning already.  Is this now the new norm?

The other day a friend and I shared their signature recipe a chocolate-covered honeycomb broken into small pieces. And we decided that a small box of this would make lovely Christmas Presents.

Mainly because I happened to love them and they were pretty cheap to make.

So, first things first, you need to know your numbers as they say.  Yes, your household budget. So you can calculate how much you can save each month. Or afford to spend on gifts. And still, pay your bills. 

Just think there are 23 weeks until Christmas, so if you start to save £9.99 a week for the next 22 weeks, you would have £219.78 to spend. I have calculated 22 weeks, so you get a week to spend the money!

Once you’ve worked out your Christmas financial budget, you will know how much to put aside or how much you have to buy gifts.

When you’re shopping, think about picking up a couple of extra generic foods that can you can store until then. And some planned for gifts. 

Sometimes we all need someone to talk about our finances and help us reach our goals.

If you want to work with your Financial Education and me, helping you have a better relationship with your money and reaching your financial goals.

Book a FREE 30-minute appointment with me to have a chat.

Where to go if you need advice: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,

High Wycombe Bucks has a new food hub, click here for further details

Disclaimer,  Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, the attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.