10thousandgirl

Life-is-beautifulSometimes it’s not about starting something, it’s about stopping.

Full article on LifeBuzz. Here’s the highlights – we’ve added an exercise for each idea to get your started. What # rings true for you?

#1. Stop spending time with the wrong people.

EX: Identify someone you spend time with who drains your energy. Unless they need your help, cut your time with them back a little.

#2. Stop running from your problems. – Face them head on. 

EX: Identify your #1 problem at the moment. What’s one thing you can do about it?

#3. Stop lying to yourself.

EX: What do you need to be more honest about?

#4. Stop putting your own needs on the back burner.

EX: Do something for yourself today! Just do it!

#5. Stop trying to be someone you’re not.

EX: Identify someone who you want to be like. Do you really want to be them?

#6. Stop trying to hold onto the past.

EX: Think of a memory in the past you hold onto. Take a deep breathe, fill your belly. Breathe into the memory. Now exhale, say out loud ” I let it go”.

#7. Stop being scared to make a mistake.

EX: Do something you think you’ll fail at. See what happens!

#8. Stop berating yourself for old mistakes.

EX: Repeat similar exercise from #6. Identify something you are constantly berating yourself about. Take a deep breathe, fill your belly. Breathe into the idea. Now exhale, say out loud ” I let it go”.

#9. Stop trying to buy happiness.

EX: What have you bought lately because you thought it would make you feel good? Next time you make a similar purchase, ask yourself ‘why?’. What feeling are you trying to buy? What else can you do to create that feeling?

#10. Stop exclusively looking to others for happiness.

EX: Identify a person that makes you happy? What makes them that way? What quality do they have? Mmm yes you have it too!

#11. Stop being idle.

EX: Get up today and DO something you’ve been putting off.

#12. Stop thinking you’re not ready.

EX: START. Start investing, start a conversation with a guy you like, start negotiating a career progression… just START.

#13. Stop getting involved in relationships for the wrong reasons.

EX: Focus instead on the relationship you have with yourself, all other relationships are a bonus.

#14. Stop rejecting new relationships just because old ones didn’t work.

EX: Repeat similar exercise from #6 & 8. Identify something you have experienced in a relationship in the past. Take a deep breathe, fill your belly. Breathe into the idea. Now exhale, say out loud ” I let it go”.

#15. Stop trying to compete against everyone else.

EX: Set a goal around improving yourself. About making an improvement on your efforts last week or last month, or yesterday or last year.

#16. Stop being jealous of others.

EX: Identify someone you’re jealous of. Pay them a compliment – call, email, text or in person.

#17. Stop complaining and feeling sorry for yourself.

EX: Identify something that’s great in your life.

#18. Stop holding grudges.

EX: Repeat similar exercise from #6 & 8. Identify a grudge you have. Take a deep breathe, fill your belly. Breathe into the idea. Now exhale, say out loud ” I let it go”.

#19. Stop letting others bring you down to their level.

EX: Next time someone brings you down, look them in the eye and tell them you don’t agree. And that actually… you rock at that!!

#20. Stop wasting time explaining yourself to others.

EX: Next time you find yourself explaining yourself, stop. If they get you they’ll get you.

#21. Stop doing the same things over and over without taking a break.

EX: Take a sporadic break – a walk around the block or a week away!

#22. Stop overlooking the beauty of small moments.

EX: Smile deliberately at something beautiful that catches your eye. Enjoy it for a minute +.

#23. Stop trying to make things perfect.

EX: Laugh out loud at an imperfection.

#24. Stop following the path of least resistance.

EX: Do something that CHALLENGES you.

#25. Stop acting like everything is fine if it isn’t.

EX: Ask someone for help.

#26. Stop blaming others for your troubles.

EX: Next time you catch yourself blaming someone else, bring it back to you? What could you have done differently? What can you do better next time?

#27. Stop trying to be everything to everyone.

EX: Pick your battles a friend once said to me. It’s the same with helping others. Pick a few people to support in your life, and support them well.

#28. Stop worrying so much.

EX: Jump up and down 10 times, waving your hands around above your head. Keep going till you burst out laughing – what were you worrying about again?

#29. Stop focusing on what you don’t want to happen.

EX: Life’s like a garden, you need to fertilise the plants not the weeds. Identify one of your plants (key goals) – water it!!

#30. Stop being ungrateful.

EX: No matter how good or bad you have it, wake up each day thankful for your life. Someone somewhere is desperately fighting for theirs. Say thank you for something out aloud.

xx

What can you stop doing?

 

10TG piot group loans

Actually two women’s lives.

Last night a group of 30 inspiring women around Australia gave two micro loans. These 30 women came from all walks of life – a mum from a farm in north west NSW, an artist from Melbourne, a mining consultant from central Queensland…

Over the last 6 weeks this powerful group of women completed the 6 Step Challenge, 10thousandgirl’s new ‘Michelle Bridges’ style online personal finance program. And they blitzed it!!

They documented their life plans, tracked their spending, worked out their net worth, negotiated rates on home loans, high interest savers and utility bills. They reviewed their insurance, consolidated super. They discussed investment principles and the behaviour of cash, property and shares. They opened super letters for the first time and made calls to their super fund to change their investment mix to fit with their age and stage. In week 4 they documented their personal investing plans, asking themselves:

  • What are my #1 financial goals?
  • How much money do I need for each goal?
  • When do I need it? What’s my timeframe?
  • What investment options suit that goal and timeframe?
  • What are my next steps?

And last night they wrapped up by mapping out their personal and professional support networks. They discussed the different professional support roles, how to find trusted advisors and learnt good questions to ask when approaching and engaging an adviser.

Then they wrapped up with an INSPIRATION FEST. Discussing what inspires them, who do they inspire? How do they stay inspired?

Well, wonderful women. You certainly inspired me. Thank you for your Ripple Effect. May it be felt across your life, among your family and friends lives, in your work and community life and as part of your program fee, you each donated $10 into a pool and were able to donate two micro loans, one to Merelita Marama and one to Linita Ponitini.

So thank you for your globally felt Ripple Effect… 

 

Merelita Marama, Nasautoka Fiji
Activity: Manufacturing
Loan Use: Sewing
Term: 26 Week

Some people are born with a natural talent. Merelita Marama (47) is one of them. She loves sewing for the people in her village and is a skilled seamstress. Merelita has built a steady client base among her friends, neighbours, office workers and church members. With her loan, she intends to buy more sewing equipment to help expand her business. Merelita is certain she will make greater profits, which will improve the lives of her four children.

Linita Ponitini, Tonga
Activity: Farming
Loan Use: Farm produce
Term: 52 Week

Linita Ponitini has three children under twelve. Her goal is to build a house for her family. She and her husband grow a range of crops, which Linita sells in the local market. But their profits are insufficient to cover both family and business expenses. So Linita is seeking a loan to buy seeds and seedlings to increase the farm’s production and yield.

Want to provide micro loans? Sign up http://www.goodreturn.org

Want to do the 10thousandgirl 6 Step Challenge? Sign up http://www.10thousandgirl.com 

growup careersJust read a blog on the MoneySoft site that made me go ‘yeah, that’s me too!’ Have you hit that age or stage where dreams of marrying a prince are slipping away and you’re finding yourself thinking about money?? 

Here’s Amy’s story… ‘Before I was a mum, I was a woman who enjoyed shopping for myself, being out with friends and family, paying for Foxtel to make sure I was update with every show and movie available on this planet. I enjoyed manicures, pedicures, facials, dinner parties, brunches, shopping online, spending summer days at the beach and having a quick drink before heading home. I drove everywhere, not really stressing about the cost of parking meters, or parking stations. Late nights splurging on food and drinks was not an issue as I could most probably sleep in the next day and if not have a quick nap before meeting up with friends for dinner. Everything seemed simple. Life was simple. What I wanted I did with no care in the world.

Something happened between my twenty’s and my thirties. I would always put it down to “well that’s what happens when you start having kids”…but in actual fact it’s just that my priorities shifted. I woke up one day thinking hang on (and that’s a PG version of what I was really thinking) why has everything changed? At what point did I become so money conscious and when did I start loosing sleep over this matter?

I can’t tell you exactly when or why but it happened. I found myself regretting a lot of my decisions from my younger days. What if I didn’t live paycheck to pay check, what if I saved a bit here and there, maybe just maybe I wouldn’t be in the predicament that I’m in now. When friends were all putting deposits on their investment properties I was that hippy saying “Enjoy life, life is short, we have plenty of time to work our a$$’ off and worry about money” then I would laugh and go home and think how I have got it so down packed this thing called life…. Just quietly I think those friends are now laughing.

Something had to be done it was getting ridiculous, having twins, a husband and all the pressures of life I no longer craved the ‘what I wanted I did with no care in the world’ kind of approach. My husband who is equally if not more a little ‘whatever’ with our finances came up with a great idea, pretend like we don’t have money. The first few months was great, we set up separate accounts to which our income was assigned to and another account for all our bills to come out of. We did the whole take food from home for lunch, put our left over coins in a jar at the end of the day, started selling a few bits and pieces online for some extra income, but slowly slowly our spending demons started resurfacing and scratching through the few months of hard work we had put in. In the end we looked at each other and..’ READ FULL ARTICLE >>

 

Money Circle Comparison Site

 

There’s a new money tool for women just launched. I’ve been loving their blog the last few months and now they have a comparison site.

Here’s an excerpt from their last newsletter with links to a few great blogs:

Penny Pryor reminds us, if you want to save money just ask for a better deal. You can manage the costs of your kids’ mobile phones with a little help from Nicole Avery. 

Tax expert, Jasmine Kidd, shares seven tax deductions commonly missed by landlords. For those of you working and paying a packet for childcare, Tracey Sharah helps you get the most relief from childcare allowances

And with winter coming, Veronica Foale suggests how to you stay warm without burning money

So if you’re looking to compare super funds, health insurers, home loans or savings accounts, add this one to your list of fun comparison sites: http://moneycircle.com

The fun bookclub-like GIG (Girl Investment Group) program supports you and girlfriends, workmates or new 10thousandgirl friends to complete the 10thousandgirl Personal Finance Program. The aim is to learn the principles behind personal finance and investing in an engaging, supportive and light-hearted environment.

GIGs are all about learning the life and finance skills we need to know but often didn’t learn at home or at school. Supported by interactive webinars, videos and beautiful workbook materials, 10thousandgirl supplies the Personal Finance Program with an agenda and learning materials for each meeting, and you let your group know what time and who’s bringing tea, treats or wine.

Financially empower yourself while 10% of your program fees go toward providing a microloan for a woman to start a new business and lift herself and her family out of poverty. Pretty inspiring!

10thousandgirl_Libra10thousandgirl_Leo10thousandgirl_Cancer10thousandgirl_Capricorn10thousandgirl_Scorpio10thousandgirl_Sagitarius

whitesquarewhitesquareclick here to register interest pink

 Want to find out more?

Here’s an overview of GIGs (Girl Investment Groups) and the NEW 10thousandgirl Personal Finance Program.

Interested and want to find other like-minds in your area? Register your interest.

Already decided this is for you? Here’s the Steps to Getting Your GIG Started.

Currently a financial services professional looking for opportunities to financially empower women in your local area? Interested in a Mentor opportunity? Read on…

Did you know the average credit card debt in Australia is $3500? And paying minimum repayments at the average interest rate of 21.5% could take over 90 years to pay off?

Shocking but true.

In a recent article in The Sydney Morning Herald ‘Plot a path to turn red into black‘, some basic tips to get yourself out of a credit card pickle were shared along with case studies which show it can be done.

Here are some other tips and resources to help get on top of debt and back into black:

TIP!! If you are consolidating debt, make sure you are careful of your credit rating, making multiple applications for credit cards etc can impact your ability to apply for a home loan etc. at a later date. Talk to your bank manager/s but don’t let them log any applications for you unless they’re 100% sure you will get it. You can check your credit history by getting a free copy of your credit report from these credit reporting agencies:

TIP!! Paying a little more than the minimum repayments on your credit card can mean the difference between having the debt for 90 years or 2!

Paying more than minimum repayments on credit cards

Start small, be strategic, keep on it and you’ll get there in no time.

Regret Nothing interviews 10thousandgirl Founder Zoe Lamont about all thing entrepreneurial as part of Global Entrepreneurship Week 2012

Zoe Lamont is most well known for her work developing 10thousandgi Girl, a financial literacy program designed to empower women in both rural and metropolitan regions across Australia.  She has also been behind a number of other social ventures including a project to assist Burmese illegal migrant children along the Thai-Burmese border, Senator Online an internet based political party, and her newest start up Future Map which is a financial literacy program designed for the workplace.  She has traveled the globe to 47 different countries and has also had experience as a panelist and speaker and is passionate about progression and making a social impact.

Zoe shares her her story of an entrepreneur below in this inspiring interview.


http://youtu.be/utdh0a515fI

“Success is if you set out to do something, and you do it….action is a catalyst for progression in society.”

” Anyone who is an entrepreneur or is interested in the entrepreneurial world, knows that no day is the same.”

You can find out more about Zoe’s ventures here  www.10thousandgirl.com and here www.futuremap.com.au


Bio: Alison Gallagher is a ‘creative communicator’ and Program Coordinator for Regret Nothing, a financial engagement program for young people aimed at making finance fun! She is also an actor and meditation teacher and enjoys inspiring others to help make the world a better place.

Welcome to episode seven of our podcast series!

Right click to download or listen below (approx 30 mins):

Today’s guest is Marina Passalaris, founder of teen program Beautiful Minds. Starting  7 years ago in Queensland she has educated over 1,000 girls.  Beautiful Minds is no ordinary grooming course, as Marina Passalaris (Director) and her team of professional trainers, educate young girls on a number of subjects like, public speaking, confidence, first impressions, remembering names, leadership skills, make up artistry, self esteem, hair styling, body issues, drug and alcohol abuse, bullying, friendships and relationships, setting up boundaries, music therapy, social etiquette, resume writing, money skills and budgeting, wardrobe styling and fashion, photo shoot, social media etiquette and more….


10thousandgirl News, Workshops & Events
20th May 2012 – Sydney
Confidence. Goals. Life. Money Workshop for women, mothers and daughter
Tickets are limited so get yours now!

Upcoming Webinars on the 9th and 28th May:
Free 1.5 hour personal finance and life planning online webinar 
(Supported by the National Rural Women’s Coalition)

Remember, if we’re not in your town this year, you can start a GIG (Girl Investment Group) at any time.


Featured 10thousandgirl guest: Marina Passalaris

Marina has over 10 years experience in the entertainment industry as both a makeup artist,grooming and deportment educator and well known events organiser and host. Having worked in the industry in Australia and overseas, Marina has a wealth of knowledge in the grooming field.

Beautiful Minds is a life changing grooming, etiquette and life skills course for teenage girls. The course increases girl’s confidence, self-esteem and leadership skills.


Featured Links
Find out more about Marina and Beautiful Minds via the Website or Facebook.

Upcoming Workshop


Connect with 10thousandgirl
On Facebook
On Twitter
Sign up to the 10thousandgirl Newsletter and emails on the website homepage
Join a workshop
Start a GIG

Welcome to episode six of our podcast series!

Right click to download or listen below (approx 38 mins):



Today’s guest is Sarah Lawless, a 26-year old who started a non-profit – The Blue Stockings Inc – to help empower women through education. She is also juggling building a new home with her husband, studying for her Masters and works as a teacher full-time. She shares with us her passion about education, life long learning and community.

What Sarah discusses includes:

Starting a non-profit that empowers women through education.
How learning is an ongoing process.
Building a home.
Lessons learned while applying for finance.
Balancing a busy life – study, work, relationships, volunteering.
Grabbing opportunities as they come up – you don’t know where they will lead you!

10thousandgirl News, Workshops & Events

International Women’s Day Event: Opp Swap! Sunday 4th March 2012, Sydney NSW.

Upcoming Life Planning Workshops and Webinars include:
Free International Women’s Day personal finance and life planning online webinar  – 12th March (morning and evening sessions)
(Supported by the National Rural Women’s Coalition)

Free Life Planning Workshop, Scone NSW –  3rd March
(Funded by NSW Dept Primary Industries)

Free Pilot Workshop, Clare SA – 20th March
(Funded by Rabobank)

Free Pilot Workshop, Adelaide SA – 23rd March
(Funded by Rabobank)

Life Planning Workshop, Armidale NSW – 29th April

Remember, if we’re not in your town this year, you can start a GIG (Girl Investment Group) at any time.


Featured 10thousandgirl guest: Sarah Lawless

Originally from Kyneton Victoria, Sarah (pictured on right with Caitlin Grigsby) moved to the Gippsland region in 2004 where she has become an active community member being extremely passionate about community development, support and education.

Sarah was the Womyn’s Director at Monash University Gippsland Student Union for two years, where she developed her interest in the empowerment and support of women – particularly women accessing education.

Sarah, together with Caitlin Grigsby, discovered various academic barriers facing students experiencing hardship, particularly with women and mothers with limited access to funds and support systems. Together, they co-founded the initial Blue Stockings Inc with the hope to alleviate some of these pressures for women pursuing study.

Currently, Sarah works as a teacher at Baringa Special School in Moe and finds the role both challenging and incredibly rewarding while continuing her role in Blue Stockings.


Featured Links
Find out more about Sarah and Blue Stockings via their Website or Facebook.

http://www.barefootinvestor.com/ – investment advice

https://www.moneysmart.gov.au/ – government money advice, budgeting advice, calculators etc

Connect with 10thousandgirl
On Facebook
On Twitter
Sign up to the 10thousandgirl Newsletter and emails on the website homepage
Join a workshop
Start a GIG

Kaye Waterhouse discusses Letting Go in this video sharing her experiences with her own finances and her struggles with juggling university and careers and feeling like she had to do it without help. She tells her story with boldness, rawness and light. Get inspired Girls!




Welcome 10thousandgirls!

Click Play above to listen or here to download!

This is our first episode in our new podcast series where we will be discussing topics and issues relevant to us and featuring people around a range of themes to give us, the 10thousandgirl community, insight, inspiration and information to expand our learnings and the Ripple Effect.

10thousandgirl Workshops & Events
A reminder that our next series of workshops are starting in July with three new tours! We’ll be heading around central/north east NSW, then up to Alice Springs and around the Barkly Tablelands in the NT, then back down around southern NSW and through central Victoria to end up in Melbourne just before Christmas. Fancy joining us? Come to a workshop or join us on the road as a volunteer.

In the coming month…
Canberra – 30th July
Orange/Bathurst – 13/14th August 2011
Young – 20th August 2011
Dubbo – 21st August 2011
Tamworth/Armidale – 27/28th August

To find what other towns we’re visiting and to get your tickets head here.

Remember, if we’re not in your town this year, you can start a GIG (Girl Investment Group) at any time.

Featured 10thousandgirl Guest: Zoe Lamont
Zoe is the instigator of the 10thousandgirl Campaign and has produced the Life Planning Workshop with contributions from experts from all areas of life coaching and business planning. Zoe is a certified business coach formerly with ActionCOACH, a Practitioner in NLP (neuro linguistic programming) and an Avatar Master for spiritual development. She has a degree in public relations and organisational communication and has recently graduated from the School for Social Entrepreneurs (SSE) Australia. Zoe runs a creative agency for social business design, The Fuelthinking Group, which creates and develops projects such as an education program for children in Burma and the continual evolvement of the world’s first online political party Senator Online . She writes a blog exploring ways toward the fairer distribution of wealth, knowledge and power “A Natural Order”. She grew up on a farm near Wagga Wagga and now lives between Canberra and Sydney.

10thousandgirl Founder Zoe Lamont

Featured Links
The 10thousandgirl Campaign Website
10thousandgirl Volunteer Opportunities
10thousandgirl Contact Us

Connect with 10thousandgirl
On Facebook
On Twitter
Sign up to the 10thousandgirl Newsletter and emails on the website homepage
Join a workshop
Start a GIG


Thank you and we look forward to bringing you another magical podcast episode next month!

If you know anyone who would make a great interviewee please let us know. You can download the 2011/12 editorial calendar here to see what’s coming up…

Nataly Matthews has been a 10thousandgirl for a little while, before it was even known as 10thousandgirl! Here’s her story in her own words.

I knew that I could achieve great things. So why was I broke? I knew that I was outgoing, confident and intelligent but why did I feel like I wasn’t getting anywhere I used to dream about?

It turned out that a couple of years out of high school, my ability to dream dissipated. I no longer had a mentor. I was out in the big harsh world called ‘reality’. Suddenly it felt like it turned from teachers telling me that I could do anything in the world that I wanted, to colleagues telling me that the reality is just mundane work, day in, day out. That is reality.

Stuff that.

So I left my hometown Perth to really turn my life upside down. Hello Sydney. I landed a great job, made some friends, partied hard. It turned out it wasn’t sustainable. I now had an exciting life but savings were non-existent and I was feeling like I was partying my life away.

I started to worry about my future. Longer term. In 5, 10, 20 years time, what could I say that I had achieved?

About a year ago now a friend invited me to attend a case study workshop which was then called High Heels and a Wig. I didn’t really know what I was in for, but thought the workshop would be a fun day to meet new people and perhaps get a few tips on finance.

But it was much more than that.

I had not been involved with anything so inspiring before. Part of what made it so motivating was how inspired everyone in the room was, and how for the first time in a long time I could spill all my dreams, worries, and random thoughts that I could never talk about openly as there was no forum to do so. When I got home that night, I stuck my vision board up on my bedroom wall and believed that anything I wanted to do was possible. Feeling empowered, I attended a few property seminars (as buying a property had always been a dream but never had done anything about it) and made a purchase. I also then dared to dream that my dreams could become reality. One of them being to start my own business…

After a few months, 10thousandgirl launched its committee and this reignited my confidence that anything was possible, you just needed the right advice and motivation to do it. I have since bought various books and market research to look into launching an online selling business on ebay. I’m still a few weeks out from making this a reality but I’m so close! If I didn’t have the support of my 10thousandgirl network, I probably would still dreaming about it, but never actually act on it. It’s too easy not to. But what this group does it that it holds you accountable. It provides you with educational and emotional support that us girls thrive on!

An example of an educational tool that we were armed with was a weekly budget skeleton which we each filled out. Boy, was that an eye opener! It turned out that I couldn’t afford to eat out every night…Not that I ever planned it that way but looking back, that’s exactly what I did! It really helped me put my spending into check. So many hidden expenses.

What I love about this initiative is the tailoring to its target market. It’s perfect! We (young women) love to talk, discuss and offer advice to each other in a group environment that is in a fun, supportive setting. Every individual feels that they are also contributing towards a great cause as well which further inspires and empowers them. The ongoing support is also key as this sustains motivation and action.

I cannot speak highly enough of 10Thousandgirl as I believe it has guided my lifestyle and attitude towards a future of bright opportunities and accomplishments. Every girl deserves to join and succeed.

I have a million dreams…But one by one, they are becoming my reality. My life.

Nataly Matthews
10thousandgirl Committee Member

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