Finances – Keeping Your Head Above Water?

Single Mum's Survival Guide Illustration 5 001Are you dreading the next bill or bank statement that lands on your doormat? Are you drowning in debt or struggling just to make ends meet and provide your children with a roof over their heads?

Being broke makes you weak, vulnerable and miserable. It saps your energy and stops you from enjoying life’s little pleasures. It can be frustrating and deeply embarrassing; you feel ashamed to admit it in case it sounds like you are whining or begging for a handout, yet if you don’t come clean it can make you seem unfriendly, mean or lacking in generosity. When you are desperate for money your options are limited and you can make some very bad decisions when that desperation is your primary guide.

I know all this from bitter experience. Imagine that you have just reached the checkout at the supermarket. You’ve spent twice as long choosing your shopping because you are determined to root out the best bargains and the cheapest goods. You’ve already chosen, then discarded several items on the grounds that they represented a treat, rather than a basic necessity. Feeling proud of your thriftiness, you hand over your debit card, only to be told bluntly by the cashier that your card has been declined. And the other one. The woman in the queue behind you gives you a knowing look, which turns to irritation when you have to start taking items out of the trolley, to bring the bill down to an affordable level and the cashier calls her colleague (again very loudly) and asks him to replace the items because the customer wants them refunded! You flee the shop, cheeks burning with shame. And it’s not even the first time this has happened.

 

If this all sounds too familiar, I really want to help you to get out of the horrible hole you’ve found yourself in. You’re not alone! You can start by listening in to my free online webinar next Wednesday with Karen McGrath, a financial expert and pensions specialist who was once a single mum herself and now spends her time helping clients to take back control of their financial affairs.

Special Guest Karen McGrath

Special Guest Karen McGrath

 

 

 

 

 

 

 

Register here and I’ll send you your log-in details

 

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What’s More Important – The Journey or The Destination?

I attended a meeting in Somerset today – that’s many miles from where I live and you might think that when I discovered it would be 3 hours’ drive each way this would put me off going. Actually, no it didn’t because I had already decided to enjoy the ride. It was a perfectly still morning, with sunshine just breaking through the mist. The traffic flowed freely and I’d allowed enough time, so I wasn’t feeling stressed or anxious. Much of the countryside was new to me, so I enjoyed the glimpses of rolling fields and the different look and colour of the old cottages in the hamlets and villages I passed through. After listening to one of my favourite albums nice and loud and singing along to the choruses, I decided to continue with my education and played the rest of a personal development audio programme by Brian Tracy that I’ve been working through for the last few weeks. The hours in the car gave me calm and peaceful reflection time and a chance to crystallize what I’d heard into new thoughts and plans to put into focus the actions I’d be taking when I got home. A lot of people spend their time obsessing about the destination (when I’ve finally found a new partner/made my millions/lost 2 stone, then I’ll be happy). But what if now is all there is? The past is history, the future’s a mystery, as they say. So you might as well make the most of the journey and not while away your life waiting for some day to finally come!

On Thursday 11th September I am co-hosting a free seminar in Brighton with a family lawyer, a financial planner and a mortgage broker. It’s your chance to get informed with free and friendly advice about the best way to deal with financial, legal and accommodation issues you may be facing – not to mention the steps you’ll need to take to build a happy new life. I’ll also be signing copies of my book. So come along for coffee and cake and a chance to “get savvy”! It’s free – all you need to do is to choose the best time for you (10 am – 12 or 7 pm – 9 pm) and book your place by emailing sparsons@mayowynnebaxter.co.uk or ringing 01273 223220. See you on the other side…

My book, “THE SINGLE MUM’S SURVIVAL GUIDE – How To Pick Up The Pieces and Build a Happy New Life” is available on Amazon and selected bookshops. For your free audio download entitled “How To Build a Happy New Life”, please fill in your name and email in the form below. 

Routines – Bore or Blessing?

OK, so I’m a creative person, a free spirit, spontaneous, fun; routines are for boring people, routines are dreary and dull…or so I used to think. I have to admit though that over the years I’ve come to realise that if I’d embraced routines earlier in my life I would have made things an awful lot easier for myself when I was a single mum! Routines are very helpful when bringing up children because they save you all a lot of stress at the last minute. Routines I especially love at present are my son’s launch pad, where he gets things ready for school the next day and a similar process I have for planning my clothes, packing my bag or briefcase and mentally (or physically, on my “to do” list) ticking off things I’ll need for the next day – especially if I have an early start. I’ve also come to love coming down to a clean kitchen in the morning, with all of last night’s supper things washed up or loaded into the dishwasher. It’s the little things in life that get you down (think how much damage a mosquito can do!) but it’s also the little things that build you up and help you fly.

On Thursday 11th September I am co-hosting a free seminar in Brighton with a family lawyer, a financial planner and a mortgage broker. It’s your chance to get informed with free and friendly advice about the best way to deal with financial, legal and accommodation issues you may be facing – not to mention the steps you’ll need to take to build a happy new life. I’ll also be signing copies of my book. So come along for coffee and cake and a chance to “get savvy”! It’s free – all you need to do is to choose the best time for you (10 am – 12 or 7 pm – 9 pm) and book your place by emailing sparsons@mayowynnebaxter.co.uk or ringing 01273 223220. See you on the other side…

My book, “THE SINGLE MUM’S SURVIVAL GUIDE – How To Pick Up The Pieces and Build a Happy New Life” is available on Amazon and selected bookshops. For your free audio download entitled “How To Build a Happy New Life”, please fill in your name and email in the form below. 

Stand By Your Man?

As the lurid news continues to unfold surrounding Paul Ross and his drug-taking and gay affair, my heart goes out to his wife and mother of his four children. She has decided (at least for the time being) to stand by her man. Whilst some may find this incomprehensible, I can understand only too well how a mother’s instinct to keep her family together can kick in at a time of extreme crisis – even faced with the news of such humiliating indiscretions. When I first learned of my (ex) husband’s affair, my instinct was the same; in order to keep my precious family together I,too, would have stood by my man. In my case my decision was irrelevant – he’d made up his mind to leave. Later I realised what a huge compromise it would have been for me to accept his behaviour and continue with the marriage – who knows if I would have succeeded, or been happy living with the lies and betrayal. But I would say that you never know what you’d do until or unless you are faced with that situation, so it remains for me to wish her well in the painful throes of this very public dilemma. I hope that – at the very least – she has plenty of support and some expert, impartial advice to help her decide what’s best for her and the children.

On Thursday 11th September I am co-hosting a free seminar in Brighton with a family lawyer, a financial planner and a mortgage broker. It’s your chance to get informed with free and friendly advice about the best way to deal with financial, legal and accommodation issues you may be facing – not to mention the steps you’ll need to take to build a happy new life. I’ll also be signing copies of my book. So come along for coffee and cake and a chance to “get savvy”! It’s free – all you need to do is to choose the best time for you (10 am – 12 or 7 pm – 9 pm) and book your place by emailing sparsons@mayowynnebaxter.co.uk or ringing 01273 223220. See you on the other side…

My book, “THE SINGLE MUM’S SURVIVAL GUIDE – How To Pick Up The Pieces and Build a Happy New Life” is available on Amazon and selected bookshops. For your free audio download entitled “How To Build a Happy New Life”, please fill in your name and email in the form below. 

Back To School

After a long – and surprisingly hot – summer, it’s back to school for many families as term time starts again this week. In the case of my youngest son this has involved some considerable changes; not only have we discovered that he needs glasses for reading, he’s also had to learn to tie a tie as his school uniform now includes a blazer and tie! Being the tender age of 14, once the novelty has worn off he will adapt to both these changes with ease and life will carry on as normal.

Adapting to changes as an adult can be a whole lot scarier and a good deal more difficult. If you are a newly-single mum you may be grappling with emotional changes, financial changes and all the legal implications of separation and divorce. I’d like to help you with these changes, so that you too can adapt with ease and grace and the minimal amount of panic possible. On Thursday 11th September I am co-hosting a free seminar in Brighton with a family lawyer, a financial planner and a mortgage broker. It’s your chance to get informed with free and friendly advice about the best way to deal with financial, legal and accommodation issues you may be facing – not to mention the steps you’ll need to take to build a happy new life. I’ll also be signing copies of my book. So come along for coffee and cake and a chance to “get savvy”! It’s free – all you need to do is to choose the best time for you (10 am – 12 or 7 pm – 9 pm) and book your place by emailing sparsons@mayowynnebaxter.co.uk or ringing 01273 223220. See you on the other side…

My book, “THE SINGLE MUM’S SURVIVAL GUIDE – How To Pick Up The Pieces and Build a Happy New Life” is available on Amazon and selected bookshops. For your free audio download entitled “How To Build a Happy New Life”, please fill in your name and email in the form below. 

Love Is a Verb

4TH WEDDING ANNIVERSARYToday is my 5th Wedding Anniversary and I have naturally been musing on love and marriage. You could say I’m the marrying kind – after all, this is my third marriage! Dizzy Romantic? Hopeless Idealist? Well perhaps once upon a time but two divorces and a good deal of hardship and heartache must have knocked all that out of me, wouldn’t you think? It’s a testament to my husband, really, that I would even consider walking down the aisle again and risk having my heart broken again – but I did it gladly, with my eyes wide open, and I’d do it all over again.

I’ve learnt that love is a magical feeling – that feeling you get when you catch sight of him and your heart does a little flip or the warm inner glow that you have when you’re apart and you think of times you’ve spent together. It’s a smile, a kiss, a hug. It’s physical. It makes you feel unreasonably, contagiously happy.

But perhaps more importantly: love is a verb. It’s not static and it requires action in order to flourish and thrive. My husband shows me how much he loves me in the many things he does. It could be the fact that he always senses when I’m not happy or if I’m awake worrying. If I’m feeling weary and procrastinating over some chore he’ll offer to come and keep me company. When we do things together it’s always quicker and more fun. It could be his many thoughtful and generous words  and deeds – or the fact that he’s fiercely protective of me and always on my side, always ready to back me and support me in any project. It could be the many hours he’s devoted to my children – whether it’s helping with revision or homework or discussing their thoughts and plans, or spending time having fun with them. And yes, I know that he loves them too and it just comes naturally to him but it’s something I will never take for granted.

Love is a verb. I saw that throughout my years as a single mum and I see it now that I’m happily married.

RB and boys Eiffel Toweri’ll never forget it and I try to live that way – in my marriage and most definitely with my children.

“THE SINGLE MUM’S SURVIVAL GUIDE – How To Pick Up The Pieces and Build a Happy New Life” is available now in bookstores and on Amazon.

http://www.thesinglemumssurvivalguide.com

vivienne@thelifeyoudeserve.co.uk

It’s Launched!

Sue launch 1I’m not going to write much today – only to say that after what seemed like forever, my book is officially “out there”! My thanks go to Rob and Sara at Steyning Bookshop for co-hosting the event and to my wonderful friends, family and colleagues who came along to help celebrate this important landmark in my life. Thanks also for all the well wishes from others who were unable to come along in person – it was good to know that you were thinking of me and cheering me on! I’ll let the photos and video speak for themselves…

https://vimRB launch 2 eo.com/999728Sue Launch 267

 

 

 



sue launch 9        sue launch 5 RB launch 1book launch 1aSue launch 4 IMG_0426

 

 

 

 

 

http://www.thesinglemumssurvivalguide.com

vivienne@thelifeyoudeserve