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Mind Money Matters - with Kate

~ Get Healthy, Wealthy & Wise ~

Mind Money Matters - with Kate

Author: kate

Passive Income Generating

So how can you make money whilst you sleep?

You may have seen on my front page that the generally accepted model of earning money is to work for a salary, monthly wage or hourly wage.   You go to work, do the jobs, go home; rinse and repeat until you retire on a pension which is either a percentage of your earnings or money you’ve saved over your working life.

The internet has changed everything.  It is now possible to generate books, online courses, marketing yourself online to give talks and more in order to gain a fee for what you do.

Coaches, therapists and healers often charge an hourly rate but many are charging for a package of sessions or generating courses and workshops which in turn gives the average person on the street a different way of looking at life and their money mindset.  You buy a package of support, and commit more fully to your healing process and in turn the coach or healer delivers the support, often times available between sessions for a quick check in depending on how they work.

I’ve alluded to this elsewhere in this blog but let’s take a look at the different ways to earn money using the internet which are all legal, ethical and whilst not entirely easy are possible.  This blog that I’m currently writing is one source of income as it grows in popularity.  You too can make a blog but make sure it’s something you are passionate about.  I’m passionate about value for money and that is mostly what I write about, along with saving money and making money.

Passive income is essentially earning money from something you’ve created once and yet earn over and over from it.

You can generate an online course, write it out over time and sell it for say GBP50.  If you sell it to 50 users, you have made GBP 2500.

There are renowned tutors who will write a hypnotherapy course which can essentially be delivered online over say 20 days, so that’s 20 units of content.  Using the scenario of a face to face workshop, and sacrificing 20 days over a period of time, ensuring that the entire workshop has been verified and accredited with a professional body, can command upwards of £3000 per student.  Add in some ongoing support over a period of time, 20 students and you can see that would generate a sum of over GBP 60,000.  Add in other little exercises like talks etc. or an online membership site for a one time fee and if you have a following or a devoted tribe together with additional willing administrators or contributors, your financial health is pretty much guaranteed.

A healer who wants to deliver a workshop at low cost, wants say four – six students, charging GBP40 each makes up to GBP240.

It’s not difficult to work out the sums.  These two examples are not entirely passive but the content is created once and redelivered each time.  Perhaps minor amendments are carried out from time to time.

An online marketeer wants to create a booklet to help therapists market their business.  They create the content, upload it to Amazon using self-publishing methods (see Amazon Kindle Create) and sell it for a nominal charge.  If marketed effectively to a wide, interested audience this could reach thousands of people.  If in addition the author creates an online facebook group, for example, they can “grow their tribe” and ask them what content they’d like to see next. You then have an engaged audience that is happy and willing to purchase whatever you put out.

A great example here is Genevieve Davis.  One day a book popped up on my facebook feed Becoming Magic: A Course in Manifesting an Exceptional Life (Book 1).   At the time it was a free download, telling the story of a woman who was utterly broke, working all the hours, in debt and how she turned her life around completely, now driving an Aston Martin, in a wonderful relationship and living in an amazing house.  She doesn’t share all her secrets and of course she’s now put the price up to £6.99 but this is still an accessible book if you have some money spare.  It talks about ways in which you can become more money savvy and more utterly aware as to where your money is going.

She wrote under a pseudonym and in time I found out in part how she managed to turn her life around but that will be for another time.

Anything of this nature takes hard work and dedication; as I write this I am mindful of being in the process of writing the finishing touches to several courses.  I have spent the past two months creating this site and putting together some ideas which I hope you find useful.

So you’ll either need to part with some money before generating your passive income, or a whole lot of time.  Starting with the obvious:

  1. A blog.  This requires minimum investment (see my other post on starting a blog) but a whole lot of time.  Pick a niche and write!  Check out this site for ideas on what to write about and the most financially rewarding subjects, and what earns what depending on the size of the audience.  But I stress, you need to be passionate about it.  The blog initially earns money through strategic placement of (sometimes annoying) ads.  As you increase your subscribers, the ad revenue increases.  You can also use your site to sell online courses, books or workshops.  You can start with a free wordpress site (www.wordpress.com) and then move it over to your chosen domain name which can either be your name or the title of what you’re blogging about.  I signed up with GoDaddy for the domain name .99p upwards for the name) and use smart hosting for the hosting (around £35 annually).
  2. On Jamie’s “Make a website” he also talks about Crowdfunding – in this case crowdfunding real estate.  Crowdfunding has taken off lately, so take a look and see what you think. He lists further ideas on his site.
  3. As above, write an ebook.  It is now so accessible to all, you can either write a short novel, or write about some of your experiences.  Ensure it is properly proof read and grammatically correct however.  There is an excellent group on Facebook dedicated to self-publishing.  The creator, one Katharyne Shelton has also created a great set of templates “Tangent Templates” that will help you in your book creation.  At the time of writing the cost is USD59 which is a snip for the amount of content provided.
  4. You could also record an audio book.  Pick a topic and speak your content! It could be on anything you choose that perhaps has helped you, so you in turn can help others.  Check the sound quality after you’ve recorded, ensuring that you’re in a quiet space!
  5. Airbnb or spareroom.com are places where you could think about listing a room for rent or bed and breakfast.  Airbnb has been expanding rapidly over the years.
  6. Affiliate marketing.  See other links around this site that talk about affiliate marketing and making money through promoting books from Amazon for example.
  7. Online surveys etc can help make you pennies and may keep you occupied for hours but I’ve found the income  you can generate is minimal, apart from Prolific.

These are just a few ideas but there are many more where you can use your knowledge, time and expertise.  Put in a spot of hard work and you can be earning on autopilot.  It’s not always easy but not insurmountable and can be extremely rewarding once you are your own boss!

 

save money

Get Money Calm

Money Supermarket contains a great deal of information involving money tips, saving money, spending thriftily.  So I was (sadly!) excited when the latest newsletter hit my inbox.

We all need to know HOW to handle our money wisely.  Being one of those “babyboomers” no one taught me how to handle money but I soon found out that debt can get out of hand as I obtained my first credit card around the age of 23.  I thought I could finally spend money (I hadn’t got) on stuff I needed (didn’t need).  I could become a (un)savvy shopper picking up bargains I could ill afford and fill my cupboards with (un)needed stuff.

I guess it took me until my mid fifties to finally get a grip on my finances, looking at how much I needed per month to *survive* and how much extra I needed per month to *thrive*, and then add on some for holidays and unexpected expenses such as vet bills (dog), car MOT, tyres and other unexpected motoring costs, not to mention unexpected periods of little or no work which meant no money coming in.

Beware the “monthly subscription”!  Some of these are informative and valuable if these end up saving you money in the long run, but do you really need it?  What happens if you haven’t used “the service” for a couple of months and “empty” money has been siphoned out of your account?  Check DD’s on a regular basis, check PayPal if you have it for pre-authorised recurring payments.  If you’re not sure, don’t sign up.  I recently got stung myself by signing up to (Free) Avast and despite de-registering from the paid service *still* managed to get stung.  I removed all trace of my bank accounts from PayPal as a precaution, managed to get the payment refunded and hopefully learned my lesson BUT the exercise was in my view entirely unethical.

Here is a handy little guide on handling YOUR money.

Keto Chocolate (Avocado) Mousse

These little chocolate mousse pots are delicious and will help with any “sweet cravings” you might have when “going keto”! chocolate mousse

You will need:

2 x bars of 70 – 90% cocoa dark chocolate (Lindt is the best) OR 4 oz cocoa powder
200ml whipping cream
3 egg whites
Optional: vanilla essence
Optional: Powdered Stevia (or Stevia drops) – taste the mix before adding!)
Optional decoration: 1 strawberry (8% carb), 1 raspberry (12% carb)

Recommend getting out two mixing bowls.

Melt the chocolate over a bain marie.

Whisk the egg whites until they form stiff peaks in one bowl
Whisk the cream until firm in another bowl.

Combine cream and egg whites and melted chocolate, add vanilla essence
Add stevia if desired.

Place into small dessert pots and leave in fridge until set.  NB you can also place into covered plastic tubs and freeze for later.

To serve: Add a dollop of extra thick cream and strawberries to garnish if you want!

Nutrition per pot (approx) (from My Fitness Pal)
calories 126
Total Fat 11 g 16 %
Saturated Fat 7 g 33 %
Monounsaturated Fat 3 g
Polyunsaturated Fat 0 g
Trans Fat 0 g
Cholesterol 35 mg 12 %
Sodium 73 mg 3 %
Potassium 19 mg 1 %
Total Carbohydrate 2 g 1 %
Dietary Fibre 0 g 2 %
Sugars 1 g
Protein 2 g 4 %
Vitamin A 7 %
Vitamin C 0 %
Calcium 2 %
Iron 2 %

Multi Level Marketing

There’s a Facebook group entitled “Work from home UK” from which it is clear *many people* are searching for a way to earn money whilst staying at home for whatever reason is personal to them.  A stay at home mother wanting to remain at home whilst her children grow up, someone who wants to supplement their income, an independent distributor who knows there’s more out there.

These companies tend to work in a similar vein.  Either there is a one-off sign up for say £45-£100 for some initial stock which can be used as a demonstration kit, together with some of the latest catalogues, or you can sign up for free and sell directly from your website.

Sometimes you can have your very own “cloned” website that has your name and all products that are purchased from there will automatically gain you commission, along with your user’s ability to sign up under you as a distributor (so you both earn commission from that end user’s purchasing power).  You will also have a “back end” website where you can place orders at a discounted price (can vary between 20-40% discount) so you make the money at source once you’ve sold the product to your customer.

The way in which you earn more money is by “selling” the idea to another potential distributor who then signs up and earns their commission or discounted products and a % share is given to you.  Often you might get a bonus if you hit certain sales targets in a specific period of time.

At the time of writing I am particularly interested in the following:

Neal’s Yard Remedies (you can sign up through me, earn commission through what you sell or simply purchase products.  There are frequent discounts so keep looking!)  Join my facebook group here where I post details of current offers!

HB Naturals CBD suppliers are very much “of the moment”.  They have been shown to be effective in reducing pain, stress and anxiety.  This particular site also showcases CBD products for our pets – after all, if you are a pet lover you will understand how much you want to alleviate your pet’s occasional suffering without resorting to a huge vets bill.  They also supply beauty and weight loss products.  You can sign up with my code and also benefit from discounted health products!

I am also investigating The Body Shop at Home.  Please click the link to join my facebook group where I will be posting offers and sales on the multi-award winning skin care products and much more.

Savvy spending

I love finding places where things are good value; Everything 5 pounds is a site where you can source online items that are end of line or outdated stock from major retailers such as M&S, Next, Zara, Topshop, Dorothy Perkins, Mango and New Look goods – and other unbranded items direct from manufacturers.

Having subscribed to Martin’s Money Tips a while back I find there are often great ways to save money.  If you want to purchase something from the site, use this code MSELOVE and the item price will go down to £4.75! What’s not to like?

See here for more bargains online such as Schuh and Office!

 

Health & Well-Being

When it comes to matters of the mind, the body and our social environment all play a part, which is commonly entitled “bio-psycho-social”.  When looking at how our issues are affecting and impacting us, they are also affecting others around us. What we might eat, drink and how we sleep will in turn affect our moods.

If you’re not feeling well, you have anxious and stressful episodes or a general sense of malaise, do an inventory of what you’re eating. Bear in mind that if you’re not eating well, over indulging in unhealthy snacks or drinking too much alcohol this will affect your mood and also your sleep.  Alcohol disrupts sleep patterns although it can send you off to sleep.  It dehydrates you, and if you feel you are drinking to numb your feelings, check in with a therapist to talk things through.

Make a point of drinking 6-8 glasses of water a day.

Whilst the “keto” diet may be seen as a “fad” diet in some popular media, it was used as an effective intervention with epileptics in the 1920s.  I have seen people gain an awful lot from this low carb, high fat (LCHF) way of eating and much research supports this as a healthy way of eating.  A documentary on Netflix called the Magic Pill discusses ways in which people have been helped with this diet, from epilepsy to autism and even cancer and alzheimers.  People may liken the ketogenic diet to the Atkins diet; the two have similarities but are different in that keto is high fat rather than high protein; and we are talking “good fats”.  If you are interested in further research, do check out the book The Big Fat Surprise by Nina Teicholz.

Another misnomer is regarding the good / bad cholesterol: a crucial point often missed is that sources of fats don’t exist naturally that do not have some mix of the three main fat sub groups.  Many people believe that saturated fats clog arteries – which they don’t. Trans fats and vegetable oils are to be avoided for numerous reasons, but all other ‘natural’ fats are fine.  Saturated fats are not ‘essential’ fats, but do no harm, rather plenty of good.  We need to stop using the terms ‘good cholesterol’ and ‘bad cholesterol’ because these are molecules that simply do not exist. There is only one form of cholesterol which is called ‘cholesterol’. It is one of the most essential molecules in the body. The common notion that there exists a ‘bad’ version of the cholesterol molecule is one of the biggest misconceptions driving people’s willingness to entertain the fallacy that it can be ‘reduced’ by taking tablets.  [source: Tony Royle]

If you plan on undertaking any new diets do check with an enlightened GP first.  What you decide to do is entirely up to you and what fits your lifestyle and family.  Whilst I myself generally follow a ketogenic lifestyle sometimes a nice plate of chips is just what my inner doctor ordered!

Have you ever considered doing a DNA genetic test on your fitness and nutrition genes?  These kits are popping up all over the place, but if you were keen on trying one that I myself have tested, click here for the DNAFit test.  They can help you with food sensitivities, your fitness genetics etc.  For example I discovered that I have a higher Omega 3 requirement but very interestingly that I carry the coeliac gene.  Whilst this isn’t necessarily a determinant of being coeliac there may be some bearing as to why when I eat a lot of wheat (or gluten for that matter, which did test positive on a blood test) my stomach feels quite bloated.

The test also suggested that I have a predisposition to endurance rather than power; so I can run further but not necessarily have lots of power to do quick surges (I’ll save the sprint finish for the finish)….. You can sign up here with DNAFit.

Another company, VITL also offers DNA nutrition testing, together with blood tests and also packages up the right vitamins for you based on your genetics or the blood test.  Click here for a free 2 week trial!

Other books I can recommend are:

The Pioppi Diet by Dr Aseem Malhotra
The Real Meal Revolution by Professor Tim NoakesJonno Proudfoot & Sally-Ann Creed

Please note the above are affiliate links to purchase through Amazon.  I write content on here freely but like everyone need to earn a living! Thank you in advance.

You may find conflicting evidence online about this approach as with anything potentially seen as “new” (it’s not, Ice Age Man was known to eat mainly fats!) but there is an awful lot of evidence also supporting the low carb lifestyle.  This youtube clip is fascinating, supporting the idea that a low carb diet helps Type 2 diabetes.  It can also support Type 1 patients but this needs much more careful monitoring by a medical professional.

DISCLAIMER: Please ALWAYS check with a medical health professional when undertaking any new or radically changed diet!

Many suggest that drinking a glass of warm water with a touch of lemon a great way to start the day!

A ketogenic diet helps with weight loss, clarity of mind, energy (once you are adapted from glucose to fat burning)!  Do consider joining my facebook group to share ideas and tips!

Self care is so important I feel; booking a relaxing hypnotherapy session is one thing, going for a run is another; sometimes just booking in to see a hairdresser or some pampering is a great way to unwind!

Here are some sample recipes I’ve recently made.
Ketogenic Bread Rolls
Spinach Gratin

Tasty Keto Bacon & Cheese Muffins

Spinach Gratin

Pre-heat oven to 190 deg C

Ingredients

Half a bag of frozen, chopped spinach (I use Waitrose)
200g grated Gruyere (or strong cheese)
100ml Double Cream
50ml Almond Milk
25g Butter
150g Almond Flour

Microwave the spinach until it is defrosted; squeeze with your (clean!) hands or put through a sieve to drain the water.

In a pan, melt the butter, add the cream, milk, and almond flour and stir carefully, adding most of the cheese gently and stirring thoroughly.  Then add the spinach and stir thoroughly until all is combined.

Place the mixture into an ovenproof dish, scatter with a few pine nuts and top with some more grated cheese.  Bake in oven till sizzling (approximately 15-20 minutes)

Serve with your favourite main course!  Goes equally well with fish, chicken, meat or a veggie dish of your choosing!

Nutrition Facts
Servings 4.0
Amount Per Serving
calories 597
% Daily Value *
Total Fat 52 g 80 %
Saturated Fat 22 g 109 %
Monounsaturated Fat 6 g
Polyunsaturated Fat 1 g
Trans Fat 0 g
Cholesterol 68 mg 23 %
Sodium 488 mg 20 %
Potassium 44 mg 1 %
Total Carbohydrate 6 g 2 %
Dietary Fiber 6 g 24 %
Sugars 3 g
Protein 26 g 51 %
Vitamin A 13 %
Vitamin C 0 %
Calcium 76 %
Iron 21 %

Ketogenic Bread Rolls

Method

Pre-heat oven to 190 deg C (180 deg C if using fan oven).

Ingredients:

150 gram, Ground Almonds
50 grams, Arrowroot Powder
10 gram, Macadamia Nuts (ground)
50 g, Butter – Salted
4 medium eggs
100 ml Almond Milk (unroasted, unsweetened) approx
1 tsp Salt
1 tsp Xanthan gum
1 tsp baking powder

Note: I use the “Salter” nutriblend machine to grind up the macadamia nuts first.

Method:

Combine all ingredients in a large mixing bowl, whisk using an electric mixer.

Using a couple of spoons, spoon dollops onto a greased baking sheet (roughly rounding them up into bun shapes) *or* use cupcake holders. Makes approx 8/9 depending on size.

Bake in oven for around 18-20 minutes or until skewer comes out clean.

Enjoy!

Nutrition facts:
ketorollsnutrition

Ketogenic Bacon & Cheese Muffins

Pre-heat oven to 190 def C

Ingredients

125g Ground almonds
50g Arrowroot Flour (Holland & Barrett)
25g Ground Macadamia Nuts
1 tablespoon, Ground Flaxseed
1 tbsp, Psyillium Husk
1 tsp Xanthan Gum
50g Grated Gruyere or Strong Cheddar
1 tsp Baking Powder
2 slices Bacon
100 ml Almond Milk (I use Unsweetened, unroasted, nil Carb)

Method

mix all ingredients together in a large bowl (I use an electro whisk).

On a greased baking tray, place medium sized dollops of the mixture (8-10) and round off nicely (or you can use large muffin cases, but I prefer to save on waste). Bake in oven for approximately 20 minutes or until a skewer comes out clean.

Nutrition Facts
Servings 9 – 10 muffins

calories 177
Total Fat 14g 22 %
Saturated Fat 3g 13 %
Monounsaturated Fat 1 g
Polyunsaturated Fat 0 g
Trans Fat 0 g
Cholesterol 6 mg 2 %
Sodium 73 mg 3 %
Potassium 13 mg 0 %
Total Carbohydrate 4 g 1 %
Dietary Fibre 3 g 11 %
Sugars 1 g
Protein 8 g 15 %
Vitamin A 1 %
Vitamin C 0 %
Calcium 7 %
Iron 1 %

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