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Patricia Buckland

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,

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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.

The Food expense on our budget

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Financial Education helps us look at our budget expenses. Food is a priority bill, so I thought over the next few blogs I would talk about food, one of our priority bills on our budget and how I try to save money and still eat well.

  1. My Allotment

I’m no gardener but have an allotment, which I grow my food on.  It may be hard work, but it’s so rewarding to know where your food comes from and that you are eating vegetables in season.

At the moment amongst other things, I have Runner Beans, Potatoes and Rhubarb growing.

Runner Beans
Potatoes
Rhubarb

I think growing my food helps me save money, which will be a massive help towards my family food bill during the winter when the heatings back on and bills start to accumulate, helping me balance my budget and afford the little luxuries I like.

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

If you would like to work with me on your Financial Education, 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 about working with me.

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.

Where to go if you need Debt Management help in the UK: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,

Need to control your money, just don’t know how?

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Need to control your money, just don’t know how?

One way of controlling your money is to budget.

One way of learning how to control your money is to book an appointment with me for a chat.

If you’re going to keep a budget, you need to have a reason.

The main reason for me is to take control of your finances and reduce your stress.

So, what does that mean?

For me, it means I always know my card payment will ‘go through’ at the supermarket. No embarrassing moment. Not having to wish it to ‘go through’ this time. Yep, that’s right I’ve already walked that path, so I know how it feels to have the panic attack at the checkout.

Budgeting for me, means I have control. How does it make me feel? Great.

So how do you start to budget?

You get to know your income really well.

If you’re self-employed, you make sure all your customers are paying their invoices within your terms, usually 30days.

Then you work out your expenses, and if they are more than your income, you need to look at where to cutback, which also means being frugal.

Saving money is a must if you need to balance your budget. This can start with merely buying a value grocery item at the supermarket, rather than a branded item.

Then to balance your budget you have to implement needs over wants, this can be the hard bit, what do you need rather than want?

As an example, I have a car, so that after this lockdown, I can go and revisit my friends.  There is always a discrepancy between what I want and what I need!!

Anyone that knows me can tell that when I turn up at theirs in my car!! (it’s ancient, but still works!!), so I have a car, but I would love a new one. 

The problem is I don’t want to borrow money against it or lose money on it.   So back to the old one then until I have enough disposable income to commit to a new car.

Sometimes we all need someone to talk about our personal 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 about working with me.

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.

Where to go if you need Debt Management help in the UK: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,

Blog

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It’s OK to be Frugal. Right?

Being frugal can bring it’s own rewards, although not everyone will agree if you do this blog is for you.

Wow, how things have changed since the Coronavirus Lockdown. We are still working from home if we can.  The Lockdown is relaxing now, but quite honestly, it has undoubtedly changed my spending habits, I find myself dressing down during the day.

Online Meetings

When I am online in meetings, I pop on a little make-up and like to look good. It gets my head in the right zone.

 I believe you still need to have a great look when you are trying to sell your product unless of course, you are the customer!

I was positively surprised by the Coronavirus; I certainly did not expect a lockdown and panic buying.  I now feel more prepared, for what seems a very uncertain future concerning employment and money.

For me, being frugal is a way of life

For me, being frugal is a way of life.  I prefer this than increasing my borrowing, especially if my future income is going to be uncertain.  It helps save money and I can afford to continue to buy everyday luxuries that help me feel great.

Maybe it will need to be a Lifestyle change?  Or just small changes here and there that will make a huge difference?

If this resonates with you book your free 30 minutes chat with me, and we can continue to talk about your Finances and how we can work together.

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.

Where to go if you need Debt Management help in the UK: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,