Wellbeing, Lists and Financial Planning

This week I had dinner with a good friend and we talked about our week, work, life etc. She told me that she was feeling very stressed and like everything was a little out of control.

She’s working 10 hour days, learning a language one night a week, has some family stuff going on, is trying to eat well and still trying to exercise 3 times a week. The peak came last week when she had a melt down over finding time to buy a friend’s birthday gift, a task which normally she would relish and enjoy, but that was just too much on top of everything else. Sounds daft, but the small things to do on top of the big worries just sometimes get too much. I think everyone feels like this sometimes and I know I’ve been at this stage at some points in the last 18 months. You eventually realise that something HAS to change.

What is the point of running yourself ragged to get to the gym 3 times a week, if everything else is spiralling out of control, so you still feel stressed and ill?

For some people, it might not mean giving up the gym, it might mean saying no to a night out, or a change of job, alteration to your family life. Either way, I believe you have to be open to not trying to do everything when it all gets too much. You need to make a list and make priorities. You can always go back and do that thing again when you feel better.

My point is, our ‘wellbeing’ is not just physical wellbeing and nutrition – it’s so much more.  Many things have to work together for us to feel content, well and happy:

Career Wellbeing:- How we occupy our time each day and trying to ensure that we like it.

Social Wellbeing:- Having strong relationships and love in your life.

Financial Wellbeing:- Effectively managing your finances to reduce stress and increase security.

Physical Wellbeing:- having good health and enough energy to get things done on a daily basis.

Community Wellbeing: The sense of engagement and involvement you have with the area where you live and your ability to have a positive impact on the quality of your environment.

Of course, this leads nicely for me to the importance of having a Financial Planner to help with Financial Wellbeing!  But actually, all of these type of ‘wellbeing’ are linked.

If you can get your finances focused and organised and know what your strategy is for the future, then you can think about other elements much more clearly. Can you afford to change your job, reduce hours or work from home? Can you afford a gym closer to home or equipment at home? Can you take time off to ‘give back’ to a charity you want to help? Can you afford to take some time out with your family on holiday?

A personalised Financial Plan can help you get focused, organised and move on, knowing you have a sound plan in place so that you don’t need to worry about money, or at least know what you need to do to ensure you are on track for the future. That ticks one item off the list so you can move on to sorting the others.

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