Ruby Allure's Books

Ruby Allure's Books
Ruby Allure's Books
Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts

Tuesday, 5 July 2016

The Five Benefits of Multiple Incomes

The Five Benefits of Multiple Incomes

Image result for multiple incomes



When any form of financial crisis develops you recognise the importance of establishing multiple incomes. The reason I mention this is the uncertainty that has come from the whole Brexit situation. I have noticed a general consensus of un-ease and people curbing their spending in the environment I work within. Hang on... Work? You're an author aren't you? Well I am and I freely admit that I don't just work as an author. I also work in a large corporation in the capacity of business analyst, social media team leader and a project leader. In fact, whatever the corporation can do to use the skills available then it will. In addition, I worked as a photographer for eighteen years and submitted work to photo-banks and finally I worked as a creative writing lecturer for evening classes. You may wonder why on earth I did all of that. Well I have always been a firm believer in being able to support yourself. There will always be crisis, financial ups and downs and times when you want to sit back and enjoy. Yes there is more to life than money; however, money enables you the freedom to enjoy ]'the more to life.'
Image result for Financial ups and downs
After watching the markets this week, I wondered about people and their incomes and their spends. So many people put their money on credit cards in the hope of better times. The way I see it is the best time is now. Times do change; however, facing your finances, modulating your income and being inventive in establishing multiple ways to generate income can become a pleasure. I know people that have foreign students who study English stay in their house. Others allow people to stay in their spare rooms or park on their drives. There are so many ways to generate incomes yet so many individuals become fixed in their financial beliefs and consider only one option. Consider how money can be made on Ebay, it can be made by writing, not just books but articles. Art works, web designs even speaking can all generate incomes and those incomes can be funnelled into paying off mortgages, generating rainy day fund and paying off debt. There are so many ways to make money, it is just a case of putting your mind to it.
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I know this is obvious, yet when I speak to people about multiple incomes they say that I am lucky. No it is not luck, it is a decision. You make a decisive decision to determine additional ways to make income and action it. Consider how many hours people sit inanely in front of the television. One of those evenings could be spent generating extra income. That little bit of extra money generated over ten years makes for a sizeable sum.
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Over the years I have read plenty of books on the money making subject such as The Rules of Wealth, The Richest Man in Babylon, The Automatic Millionaire, The Four Hour Working Week and Think and Grow Rich - to name but a few. The thing is one can make learning how to make money a hobby and the by-product is moving towards financial freedom. There aren't many hobbies that enable that are there?
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So my Five Benefits of Multiple Incomes are:

  1. Being able to have money to play with, for rainy days and general reserves.
  2. Being able to pay off debt quicker and save quicker.
  3. Not relying on one income when the job market is unstable.
  4. Learning that money making can be fun, learning adaptable skills and money making skills.
  5. Money dictates your tolerance level and reliance on a job. When you have multiple incomes if something annoys you then you have the power to say 'stuff it'.



5 of 5 stars A brilliant, well-written, compelling read. 11 Jun. 2016
By LMS#YOM - Published on Amazon.com
This is a fascinating and powerful book that delves into the workings of financial institutions perfectly. After a lot of soul searching and personal debate the main character, Gillian, joins M.O.N.E.Y but then she quickly realises what a cult-like existence it is. Gillian bears witness to the extreme pressure to fit in and become part of the clique, but does she really want to conform? The challenges and demands put upon the ‘chosen’ ones to constantly improve and achieve their optimum is intense. The deceptive tactics used are all a part of M.O.N.E.Y’s control, but then comes the devastating feeling of being owned. Is it all too much for Gillian? Will she survive M.O.N.E.Y? A brilliant, well-written, compelling read.




Wednesday, 29 June 2016

MONEY FARM 5 STAR REVIEW

Another Five Star Review! Lovely!


5 of 5 stars A brilliant, well-written, compelling read. 11 Jun. 2016
By LMS#YOM - Published on Amazon.com
This is a fascinating and powerful book that delves into the workings of financial institutions perfectly. After a lot of soul searching and personal debate the main character, Gillian, joins M.O.N.E.Y but then she quickly realises what a cult-like existence it is. Gillian bears witness to the extreme pressure to fit in and become part of the clique, but does she really want to conform? The challenges and demands put upon the ‘chosen’ ones to constantly improve and achieve their optimum is intense. The deceptive tactics used are all a part of M.O.N.E.Y’s control, but then comes the devastating feeling of being owned. Is it all too much for Gillian? Will she survive M.O.N.E.Y? A brilliant, well-written, compelling read.


Thursday, 13 August 2015

MONEY FARM 5 STAR REVIEW! YEY!!!

 
Money Farm
MONEY FARM LINK TO AMAZON.COM Link: http://amzn.com/B010F04W9O
 

MONEY FARM REVIEW

 
1 of 1 people found the following review helpful
on July 13, 2015
Gillian’s world is turned upside down when she is unexpectedly ‘released’ from her job. Her government funding is revoked after the board decides they did not like a paper she wrote on ‘Reactants, resistance, reflexivity and reversal in times of financial and social hardship.’

All of a suddenly her secure life has gone. What will she do? All around her people are getting into debt, being encouraged to spend more than they have, buy things they don’t need. Possessions are everything, all that matters. Why? How had the world gotten into this state, and why didn’t the powers that be want to hear what she had to say?

Not taking her redundancy laying down Gillian’s resolve hardens as she actively strives to understand the financial system and money handling. Living on her savings whilst looking for a job, she soon discovers that it won’t be long before she is homeless.

But what about M.O.N.E.Y? The people who work for M.O.N.E.Y live at the Money Farm, which was a series of huge walled islands, linked by bridges, which has been in existence for over 200 years. Gillian becomes obsessed with the M.O.N.E.Y concept. Who are these people, how are they chosen? M.O.N.E.Y is totally self-sufficient, secretive, she has to know more.

How do you become part of M.O.N.E.Y, this amazing organisation whose employees themselves are intriguing?

Then, one day she follows a M.O.N.E.Y employee out of a shop and asks the man the leading question “How do I become one of you?”

This simple question, and his reply changes her life forever.

As she trains and is inducted into the world of M.O.N.E.Y, Gillian soon discovers that she has in fact been chosen. Her militant nature and questioning attitude allows her to think outside the box. However, I wondered, as the story progressed, did M.O.N.E.Y have any idea of what her impact would be?

This was a fascinating book, deep and very thought provoking, it made you wonder…

I will certainly be looking out for more very interesting books by this talented author.
 
 
 

BUYERS MAKE THE BEST LOVERS! YOU KNOW IT!!!

Money Farm

AMAZON.COM LINK FOR THE MONEY FARM: Link: http://amzn.com/B010F04W9O

Saturday, 8 August 2015

Money, Health and Wellbeing


Money, Health and Wellbeing.
 
Who would have thought that money, a metal lump, can actually make you sick? Can you imagine worrying over a shell, how many shells you have and whether you will survive without those shells? You then dedicate the hours of your life accumulating shells and work yourself into the ground to survive. Over time you accumulate a mass of shells so that you can feel as though you have more shells than others because the more shells you have then the more important you are. What makes the illusion worse is that your peers view you in esteem according to how many shells you have. In fact if you have over a million shells your sense of power enables you to be viewed as something special, someone important. Then one day someone comes along and takes away your shells. Suddenly you are worth nothing in the shell view of the world. You then descend into depression because your life has collapsed because you have no shells. Your partner leaves you because you are shell-less and goes for someone who has plenty of shells to support their way of living. You realise he or she was actually a ‘Shell-digger’.

 
When you replace money with shells you become very aware how ridiculous attachment to money really is and how we define ourselves through it. Yet money is a reality we have to deal with. What’s more, money is one of the biggest causes of stress, anxiety and worry. If you consider the fact that these three negative states affect your immune system then why would you be surprised that money can directly affect your health?
 

About twelve years ago I was transitioning from working on cruise ships and returning to land to study my Master’s Degree. The transition resulted in me worrying about how I was going to survive financially - and boom – my lower back went. My fear that I would not be able support myself got me right at the base of my spine. It was so bad that I could not walk for two days and during the time I was in laying on my back I noticed the churn of thoughts about money streaming through my mind. Was it any wonder that this mental pattern had migrated to the base of my spine?
 

It was during a random conversation that someone told me that the lower back ‘going’ was a classic sign of financial worry. Me being as analytical as I am, thought ‘rubbish’. Yet the more I looked into it then the more I realised that during times in my life where I was financially worried then my back would go. It seemed that this was more common that I realised. Such a revelation made me realise that people’s bodies responded to their thoughts. It was then that I discovered somatic psychology and the relation between thoughts and illness.

 


Later on in my career I became a business analyst and worked trending financial patterns. At the same time I watched colleagues go through different wealth related phases. I noticed when they were under financial strain a number of them developed back issues. When they wanted to avoid money issues they developed stiff necks. Others got stomach aches when large bills came in. The most simple of all was when they had been worrying about finances they developed colds. Obviously there are far more factors involved yet money seemed to be a trigger for many of their health issues.
 

One of the main causes of relationship break-ups is down to money. With this in mind is there anything we can do to improve our wealth health?

Here are a few questions I asked myself to enable movement beyond the financial flus:

Am I willing to be completely responsible for my finances?

Have you ever looked at how you view money and how much of your money is you?

How can you separate your identity from how much money you have?

How can you demonstrate your self-worth without using money?

If you have debt why do you maintain it?

If you have debt what do you need to do to pay it off?

How can the action of paying off debt be stress free? Note: a tip is to automate the pay off on your pay day so you the debt gets paid off without you having the temptation to touch the money.

What if money was simply an object or a tool?

What thoughts do I have about money?

How do my thoughts change when I start feeling stressed about money?

Where do I feel this in my body?

Have there been times in my life when I have become ill due to financial worry? Where did that turn up in my body?

 
Once one becomes aware of the patterns then one can take action. I read numerous books on finance and money management: The Richest Man in Babylon, Think and Grow Rich, The Rules of Wealth and The 4 hour Working Week. These were excellent books and provided plenty of information on how to make and manage money. Yet I had not fixed the actual issue – my attitude to money.  Nor had I looked at the health aspect. So a few more books later: You can heal your life, healing body healing mind and numerous other somatic psychology books, I realised that the body, the mind and our monetary situations were all linked.
 

 

 
I needed to understand how money made me feel and what emotions I experienced. So there I am feeling guilt when I go into an overdraft. I then felt angry when I received a huge bill. I felt levels of excitement at purchasing a new dress. I am sure you don’t need to my emotions about buying new underwear. The emotional money diary is revealing especially when you write down how you feel, the thoughts and why you need to buy something.

So I may as well share this with you – I realised that quite often that spending money compensated for boredom and made me feel free. After I had bought an object (that I did not really need) I would then descend into a cycle of guilt. After a few weeks patterns emerge and you will see what you are really up to. Through the money diary you may well identify beliefs such as ‘money must make me miserable.’ ‘I will never have enough money’. It is worth writing these beliefs down and affirming the opposite. This can make you feel quite queasy when you really hit an in-depth belief. When you do an affirmation over such an issue do it until you either feel free of the belief or you make a large exhale. Once you are clear of old beliefs then it is time to take action. Learn how to manage money, monitor your thoughts and shift them from worry to positives. It is amazing how the development of self-awareness relaxes you. The more relaxed you are then the less likely you are to become ill due to money.  

 
I hope the above inspires you. If you have any examples of how you shifted attitudes to money then please share in the commentsJ
 

MONEY FARM Link: http://www.amazon.co.uk/dp/B010BJOYFQ



LABYRINTHINE Link: http://www.amazon.co.uk/dp/B011LX0WUW



A SHORT COURSE IN CREATIVE WRITING Link: http://www.amazon.co.uk/dp/B012OV8JPU

 

Sunday, 2 August 2015

Money, Sex & Financial Conflicts


Money, sex and financial conflicts.
 
Money is more important than sex in a relationship? I have to be honest, that was a horrifying revelation that I discovered whilst researching this blog. It seems that sexual technique can be adjusted and discussed more easily than finances. So why is there such an issue with partners discussing money? There is a level of shame and vulnerability associated with how much money we have and how we value ourselves. In our society our value is often placed on how much money we have in the bank. If you are in debt does that mean you are worthless? If your partner earns more money than you then does that mean they are worth more?


  
Another interesting finding was that quite often how we handle our finances directly relates to how we handle our emotions too. The stingy miser is likely to hold onto emotions in the same way as they spend money. The financially generous and expressive often replicate the same emotional behaviour. So what happens when we partner these two together? Well it seems that it won’t last. The miser will develop resentment to the financially gregarious.
 

How we handle money and what we believe about money comes from our upbringing and background. If your parents struggled with money while you were a child then it is likely that you will do what you can to save to feel safe. If money was never an issue then financial flippancy might be the call of the day and you may well see money simply as a flow. We have all established habits and financial techniques over our life time and it is only when we enter relationships that we become aware of how some people work in a very different wealth management ways.

Another interesting finding is how money affects the power dynamic of a relationship. One partner may want to control how much money is spent whilst the other wants to be free to enjoy money. This is when secret accounts and monetary stashing begins. Financial affairs result in monetary mis-truths and secrecy. This is where an underlying trust issue can raise its ugly head. Financial conversations and understanding early in relationships contribute to the longevity of relationships. How much do you really know about what is financially important to your partner? How do you both prioritise your money? Is it more important to have things now or save? Is that flashy car more important than a reserve in the bank for a rainy day? If so do you feel financially robbed or financially vulnerable? Remember that not everyone appears to be what they say they are? An ex-partner of mine appeared to be financially abundant yet after a few conversations and a gut feeling, I discovered that he was over 600k in debt. For me that was horrifying; however, he was a risk taker and made back the money within a couple of years. His attitude to money was that it was something to play with. Mine was that money provides stability and security. Neither were right, they were just attitudes.

The money and relationship facts have intrigued me and you may well find these interesting too.  The higher the salary of a man in a relationship the more likely the relationship will last. Although if the individual falls on financial hardship it is likely that the relationship will dissolve in a year. Men with higher wages have a lower divorce rate than lower earners. On the counterbalance – the higher a woman’s wage is in comparison to her partner’s then the more likely they will divorce. For some reason the disparity of a woman who earns more creates relationship issues.

Do you have any advice on money in relationships? If so please comment below…
 
LINK TO MONEY FARM AUDIO: http://www.amazon.co.uk/dp/B010BJOYFQ

Sunday, 19 July 2015

Money and Your Value as a Human Being...

What inanimate object can determine your life decisions, your attitude to yourself and how you relate to others? What object can evoke, fear, worry and a sense of feeling controlled?
 

 

 

Answer: Money.

If you think about it most of our life's decisions are based on the Money concept. Can we do this or that because we have the money? Do we have a enough money to buy the house, the clothes, pay the bills or the buy the car? The unfortunate truth is the money concept carries a value and that value merges with your 'self.' Money correlates to freedom and experience. Consider this - what if money were shells. Would you care how many shells were sitting in a pile? Would you work yourself to the extreme to accumulate a shell? Would you desperately need to show off your shells to others? When you shift the object of value then you realise how ridiculous the illusion is that we have been persuaded with. Yes money makes the world go round but that is because we believe that is so.
 



With the above in mind: If money is how you value yourself then how can you value yourself more without money as the gauge? How can you demonstrate your true value to yourself? What makes you feel rich inside? Well these are some questions that have crossed my mind since writing Money Farm and having it turned into an audio book by the brilliant Helen Lloyd. The thing that I have realised is that so many people often feel that their  intrinsic value is directly proportionate to how much money is sitting in their bank account. Those that are in debt often experience a sense of financial shame. They feel worthless because they are stuck in financial ruts that they can see no way out of. When I was researching the debt figures related to Money Farm I heard the expression 'Nillionaire' - someone who has little or no money. That expression, albeit amusing, made me think of how many Nillionaires there are in the world. Can you imagine someone saying that person over there is a Nillionaire? How many would be proud of that title instead the tar of shame would be coated upon them.

Whilst writing Money Farm I looked at other systems of exchange and it dawned on me, in times gone past, when we had to eat we went out to hunt. We caught food and ate it - we cut out the 'money' as a middle man. When we needed other forms of food we traded. Values were applied to grain, cloth and other goods. I wondered how the world would exist without actual money and looked at alternative spheres of exchange and how values were applied. It was all so fascinating yet the truth is culture and civilisation need an exchange mechanism. We can't all take to the forests and hunt or forage. The truth is we need that exchange concept, although that exchange mechanism does not need to be intrinsic to the person. Money is not the extension of self, instead, it is simply a tool that can be invested, accumulated or spent. Once emotion and attachment is removed from the financial equation then there is a sense of liberation. Once you stop being your money and your money stops being you then that is where the fun begins. I am not saying stop earning money, what I am saying is that you are more than your money. You are a phenomenal person existing in time and space. I am sure that if you asked your soul what you were worth then it would not determine it in terms of money.


With that in mind, I will ask the question: how you can you value yourself without having money as a device for your self value? How can you demonstrate your own vast value to yourself without applying the concept of money? Finally how can you feel rich inside so that is shines into the world?
Enjoy:)


Wednesday, 15 July 2015

Money and its Power


Money really is a curious entity in itself. We spend our lives earning money to enable us to do things and have things. To do this we exchange the hours of our life, quite often doing things that we don’t love, to do what we do love. My other favourite is that we exchange our time to have things to make us feel good yet often feel guilty for spending money on a luxury. Consider this – we earn money to buy a house so we can go to work to earn money to pay for the house. We work to pay for a holiday to rest from the work we do to enable us to pay for that holiday. I know… In the next few weeks I intend to write a series of blogs that explore the money concepts and hopefully shift some perspectives.
 

You may wonder where this has come from – well since Money Farm was released on audio last week, I have received a few ‘testing’ questions on money, belief systems and persuasion. With this in mind, maybe it is time I ‘blogaciously’ explored money as a symbol in hope to inspire and provide thought-provoking questions. In the meantime – is there anything you would like me to consider in the next Money-centric blogs? A couple of the themes I have been asked to look at is money and emotion, attachment to money and money beliefs.
 

Saturday, 27 June 2015

The Secret Literary life and its Challenges.


The Secret Literary life and its Challenges.
 

Have you ever had a burning secret that you are desperate to share? For me it feels like resisting that open bar of chocolate when you are on a diet. So where has this come from? Well when one begins writing there is a choice to be made: do you write under your own name or do you write under an alias? One of my students advised me that he had been writing under a secret name and was living two lives. It was a struggle because his girlfriend had no clue what he was up to and he could not share it with her. His fan base had escalated into thousands because he wrote about contentious subjects. He felt that by being ‘someone else’ he had the freedom to express true opinion. This alter-ego was very different to the shy man in the class. What’s more, he felt that it was too late to let his girlfriend know and felt torn. It made me wonder how spies manage.
 

Something about living a double life struck a chord with me. I had always written under my own name. It was an easy name to find but at the same time it made life a little bit of a challenge. My work colleagues ordered my books off the net and one morning I walked into a sex scene being read aloud. There was nothing malicious in it, it was a bit of fun. The thing is there was a shift in attitude towards me because the colleagues who surrounded me sensed I was working towards something bigger. The benefit of people knowing who I was that when I released books I could sell them from my desk. I could promote through the work place and hype. Unfortunately policies were introduced which put a stop to this.
 

People knowing I wrote was lovely because my colleagues would ask me what I was working on and the work place asked me to do presentations based on teaching creative writing evening classes. Over time my colleagues began dreaming on my behalf and would say things like ‘when you’re famous…’ ‘Here is an idea for your book – I want a cut if you use it.’ ‘I have this great idea for a book for you to write…’ That was when I realised that maybe people knowing I was an author wasn’t so great. Also people would come to me and tell me why I should write about them and what made them so fascinating. What made ‘authorism’ more of a challenge is that people had this idea an author was propelled to stardom and earned millions. The question, ‘so why are you here? Can’t you just be an author?’ would be asked when people found out I had published. I would explain that most authors would earn around 7K a year on a book if they were lucky. What I did not tell them was that being in a work environment provided numerous excellent conversations and material. Watching how real people react to difficult situations is better than sitting in a room imagining it. I had a source of inspiration at my type-worthy finger-tips.

It was when a series of events happened to a friend whose book was optioned to be made into a film that things shifted for me. Over a couple of years she shared her excitement and talked about her film and what would happen when she earned loads of money. People became excited for her and it was a major topic of conversation for all who crossed her path. By watching her I could see how I might have been perceived. As time went on the project slowed and money certainly was not flooding in. In the meantime, she still needed to support herself and she said to me ‘I wish people didn’t know. I just want to go away and be anonymous.’ That little insight also struck a chord with me. Did I really want people to know that I was an author? Who really cared? Was my ego trying to prove how special I was? After a lot of thought seven years ago, I decided to rebrand and write under a different name. I maintained my work as a business analyst but moved to a new department where people did not know my history. It was funny because I felt a real sense of liberation. The whole secret literary life was quite wonderful. I felt that I could maintain a sense of mystery and write about my passions: love, relationships, spirituality, healing and money. It was over the last seven years I slowly wrote Money Farm. Working as a financial analyst provided a depth of insight into the financial system. What I had considered a role to support me while I wrote was in fact the perfect job because it provided all the material necessary to evidence the workings of the financial system.  What makes it all the more beautiful is that Money Farm has now been produced in audio by the extremely talented producer Helen Lloyd and reached the audio market. Oh and guess what? I still sit amongst my colleagues discussing the ridiculous, the absurd and the trivial while a book about one financial institution deciding to completely change the global economy (the Brave New World of Finance) is listened to and read all over the world. There is something deeply satisfying about that.
http://www.amazon.co.uk/dp/B010BJOYFQ
 

http://www.amazon.co.uk/dp/B010BJOYFQ

Tuesday, 20 January 2015

Why I wrote Money Farm


Why I wrote Money Farm.

Life often has plans for us that we are unaware of. That is certainly something it taught me. Had I had my way I would have continued being a travel adventurer and photographer for my whole life. However, being on a ship that almost sunk in Antarctica makes a person consider a more ‘safe’ life. When you look death in the face it forces re-evaluation.

When I completed that contract I returned to England to study a Masters Degree in Media with a specialism in psycho-analysis and character. My timing was immaculate: I arrived just when the media industry was in depression and the digitisation of photography was gaining momentum. With a highly competitive photographic market, and no easy way into media, I took a job temping in finance. I had been an expedition leader and now I was sitting amongst sludgy office types who feared remote places. They talked about dieting whilst eating chocolate. These people were the ‘ants’ in the financial system. They were the stable workers who made everything work. They were not these greedy million dollar bonus types, instead they were lucky to get five hundred pounds bonus and that bonus was their incentive to remain in the most monotonous jobs you could ever imagine. The kind of job that would make most people go mad. Licking a wall five thousand times a day would have been more satisfying!

I was lucky, I was a temp. I could jump around and learn new systems and new roles in a variety of financial establishment. So I took my opportunity. Many times I was bought in for data clean ups, or system defect analysis. Over time I developed quite an insight into systems and since I was creative, I could see systems, patterns and linkages within most things. In the meantime, my huge aspiration was to make films, become famous (to feel egotistically special) and write children’s books. Strangely no opportunity arrived. While I was at University my tutor suggested that I wrote books, so I wrote on a daily basis. I had learned forming habits and persistence would lead to success.

Well my working life was boring and I needed a literary escape so wrote all manner of ‘fun’ stuff for enjoyment. I realised I needed a proper job to support my hobby and I needed stability so I could apply concentrated focus to writing. I then took a role supporting bullion trading pre-Lehman Brothers. There were aspects that were exciting like the physical settlement of gold. I had the opportunity to look at trending and analysis and pay attention to how the gold market followed patterns. It was during this time that the Money Farm title popped into my head. As much as I was enjoying my learning, I resented the fact that I was ‘stuck’ in a financial institution.  I had always been an adventurous butterfly and now I was in a metaphorical jar. My escape resulted in writing out my frustrations. My ridiculous dreams of being a film director had fallen by the wayside and there I was watching the world shifting lumps of metal around for a huge price. It was at the end of 2007 when things started to become interesting. I began to see sudden surges in price and people urgently buying gold. There were tremors and rumour in the market. I raised my concerns to my manager and they were dismissed. The surge in the movement of gold volumes was assumed to be down to an Indian holiday, Diwali. I knew that wasn’t the reason so sought out more evidence. It was then that I realised it was time to leave finance. The fluctuations in the market were pointing at something huge.

Two months later I literally jumped on a cruise ship full of millionaires and billionaires. My rational thinking was that millionaires and billionaires on a ship would remain safe. I was wrong. The richest people on the ship had their money invested in Lehman. I watched the world’s wealthy be rich one day and fly home with nothing the next. It was quite a phenomenon. It was during this time I met a little German billionaire-ess who shared her passion for trading with me. She was unassuming and looked like a granny. She sat me down and taught me her investment system. I realised then, that since I was amongst the worlds’ wealthy, I could learn from them. Strangely this ship went to Antarctica and we were hit by a huge wave which annihilated the front of the ship. This was my sign that once my contract was up I had to return home. All the time I wrote. Even when I was exhausted. I was compelled and what these rich people taught me was belief, circumstance, persistence and attitude led them to where they were. They worked, they suffered but they continued against the odds. It was not an easy road for any of them, other than those who inherited, or the wives who had hunted their men. However, the sacrifice many of the women made of themselves to be with a rich man was an interesting observation in itself.

Once my contract was complete, I returned to England just as the jobs market dried up. I had a year working as a freelance photographer, not knowing where my next payment was coming from. To say I felt unsettled was an understatement. At that time I lived in an area close to Boscombe. This is an area in Bournemouth Dorset, renown for poverty, drug addiction and alcoholism. Boscombe itself is beautiful and I actually love it there; however, I was provided with the time to be amongst those whose life had dealt them very different cards. There was a particular café in Roumelia lane, which has the best coffee and the best lasagne. I would go there and listen to how the recovered addicts returned to wellness. So many of them had been born into absolute poverty and almost had no chance of survival. The stories bemused me. How did some people land in lives that took them to greatness where others took them to self-destruction? A few months before I had heard about wealth, progression and success and now I was listening to people whose parents had locked them in sheds and starved them. Their sense of self-worth was so devoid that it made me so angry. How was life fair?

During that year I returned to a stable job, I worked, wrote and absorbed all I could about society, systems, psychology and psychoanalysis. I mentally hovered up because I had to understand ‘why’. Obviously there was no answer. At the end of that year I had a personal crisis whereby, my relationship combusted, I was made redundant, my grandfather died, I had extreme food poisoning and my back went. It is during these times, when we are forced to stop, that we realise we are chasing our tales. While in my bed, I kept writing as a distraction and an escape. The truth was I needed a stable job, there was no one to support me other than me and all the patterns I was experiencing were coming from me. So in that state I resolved to find the best way to heal myself, would return to finance and I would write a book on money because I had seen all aspects of it. Extreme wealth, extreme poverty and the institutionalised version. So within two weeks I was back working in finance and resolved that I would not leave the financial institutions until I had completed the money book. Also while I was writing this book I ‘had to’ learn everything I could on economics, behavioural finance, persuasion techniques, the psychology of wealth and at the same time I intended to find the best way to physically heal ‘stress symptoms’ so that I could cope without physical collapse. In addition, I taught creative writing evening classes, so that I could be amongst fellow creatives and kept the creative side of me alive. I know that is nuts – but I love watching people learn and grow.

Seven years later – I have worked again in numerous financial companies, I am now a business analyst – a job that I love. I work on the analysis of financial incidents and how we rebuild the system and fix them. It is like being a healer – I look at the illness within the system, the symptoms and find ways to adapt, adjust and stabilise. This provides me with beautiful sense of purpose and contribution.

All the while, I tried to figure out alternatives for the Money Farm. A few years ago, when there were demonstrations against capitalism, I ended up having a chat with some of the leaders of the ‘sit in’ and asked them about alternatives. When they said they did not have an alternative, I wondered how you demonstrate against the system you reside within without moving to something new. That thought haunted me and kept rearing its ghostly head. The strange thing was that to create the book, everything that I learned for self-healing contributed to how I approached the finance. What I learned is that wealth really is a mind-set and a sense of feeling. To feel rich one has to feel it inside. The richest people can feel poor even when they have everything. The focus on the physical healing enabled me insights into the biological system, which I applied to the writings in the book and how I ‘heal’ and track the system. Also, and since I am saying it how it is, originally I had this heady idea of being ‘rich, being successful and world literary domination,’ – this is me being an egotistical dick, however, none of that matters. I have loved the writing and the journey. When I completed Money Farm I was in a state of shock. I had figured out how I was going to solve things and had figured myself out. In truth, I was not going to release it because I felt that I was at a point in my life whereby I write because I love the space and time to digest my thoughts. Why put Money Farm out into the world when you are already content and enjoyed its creation? Well – it was one of those discussions with friends where you get a ‘kick-in’ and they tell you that it is selfish not to share it. Imagine. So Money Farm has been born to digital consumer machine and I genuinely hope it inspires people to see beyond the financial illusions and take the journey into self. That is all I can wish for you – that one can grow, and become the best you and that in itself will be the key to your happinessJ