Financial Gym for Business

BUILD A BUFFER OF PERSONAL MONEY & STAY OUT OF DEBT

No Money to Six Figures in Fifteen Days w/ David Ralph of Join Up Dots

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Not for you if you are a prude…

If you are having a rough day or week; then I defy you not to be in a better mood after listening to this episode.

While there is no swearing (my guest is an anti-profanity guy) he is naughty as hell.  This episode is defo not for listening with the children. J

David Ralph is a podcasting & freedom entrepreneur success story. He makes a good income, he has lots of free time and he only does what he considers fun. To create his lifestyle was not straightforward; but a series of ups and downs that would have scared many people into giving up the dream of working for themselves.

David openly shares what he did and why, in his own irreverent style. Can you believe he even accuses me of being techy/touchy at one point? How dare he?!

While I started a seasonal podcast, David started all out with a daily show, and crushed it.

We also felt we had to give a special mention to the man who not only brought us together but reached out from across the pond to encourage and guide us when we knew nothing.

The inimitable Michael O’Neal.

If you want to laugh and be inspired at the same time then this is a must listen

You will also hear

  • How someone who has never knowingly met another podcaster made his into a successful business
  • Why being compared to Hugh Grant is no longer annoying
  • A family argument over “pigs in blankets” & the male sanctuary of the toilet
  • Whether telling a woman to “Calm Down” outside lovemaking is a wise move or not?
  • His obsession with not being tied down and how it drives his whole business
  • The pull no punches out of office email that he uses to create margin in his life (copy in Show Notes)
  • Why he cut his show after listener feedback
  • How he made six figures quickly then hated it
  • What is “wrong money?” to a business person?
  • 3 Essential tips before taking the leap into business ownership
  • How the Vocaroo tool has brought new customers
  • How Micheal O’Neal of the com changed the trajectory of both our journeys and what we thought possible

And much more

[spp-tweet “How to have no money to six figures in 15 days with David Ralph of Join Up Dots #podcast”]
Guest Links

http://joinupdots.com

David on Facebook

David’s super successful Online Podcast Training Podcast Mastery

David’s Epic Out of Office Email (abridged version)

Hello there.

Thanks for dropping the Join Up Dots Podcast an email.

Believe me I love having communication with the outside world (it means that someone is listening to the show other than my Mum…….actually I’m not sure she is listening to be honest!)

However at the moment to focus on stage 3 of the Join Up Dots world………………………………………I am checking our emails once every two weeks.

I don’t think Donald Trump could this, but hey, your friendly neighbourhood global dominating podcaster is a bit different.

…………………………………………………………….………………………………………

………………………………………………………………………………………………………………………………………………………

But if you want me quickly as you see me as the only person that can get you out of a hostage situation, or to help land a plane in trouble, the send me a request at…………………………………………..

Other than that, look after yourself, be happy, stop checking your emails on weekends, hug your love ones daily and words of Steve Jobs

“STAY HUNGRY, STAY FOOLISH”

Cheers

Show Links & Resources

Vocaroo

Solopreneurhour.com

Get your Free Build a Buffer of Personal Money Checklist

You might also like:

B9:Why Successful Leaders Need Coaching & Why You May Never be an Author w/ Mindy Gibbins-Klein of The Thoughtful Leader

FFS007: Anthony Charles – From his last £10 to £10,000 in a few months

3 Quick Steps to Mentally Cope with Financial Stress in Your Business

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Watch video episode below


“Energy flows where focus goes” here are three steps to focus on the positive while you navigate the choppy waters of dealing with a cash flow problem in your business.

Today I am going to give three things to think about to help you feel a little more equipped to tackle the roller coaster of managing your money, especially when there is not enough.
[spp-tweet “Money worries? Find an accountability partner who will give you a nudge if you don’t perform”]

Show Links & Resources

Build a Buffer of Personal Money & Reduce Your Debt

Get the Book

You might also like:

Emotional Stress – The Staggering Financial & Human Costs of Stress w/ Mary Wingo, PhD

Publicly Rich Privately Poor-The Rise of the POOR ENTREPRENEUR -Part 1

Publicly Rich Privately Poor-The Rise of the Poor Entrepreneur-Part 3-Financial Information & Intelligence

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Here it is

M.I.I.S.E.R Financial Fix 2 & 3 – Financial Intelligence & Information

Links to Episodes Parts 1 & 2 are below

prpp-part-3-image-podcast

Welcome back to the next part of this series, where I look at the increase in well paid people or who have no financial security. Today we look at why financial information and financial Intelligence.

Why they are similar but not the same and you why you need both if you are serious about levelling up your money. However I also spill why Financial Information is not as important as you may think it is.

And I also give you a real example of how you would use Financial Intelligence versus Financial Information

Disclaimer

This show, or any resources mentioned, is not a substitute for obtaining proper financial and or legal advice from a qualified professional who is familiar with your specific situation. Also be aware that the information contained may not be suitable for every person or organisation.

[spp-tweet tweet=”Learning Financial Information plus Financial Intelligence is easier than you think”]

Show Links & Resources 

Publicly Rich Privately Poor – Part 1

Publicly Rich Privately Poor – Part 2

 

Get your Free Build a Buffer of Personal Money Checklist

Publicly Rich Privately Poor – Part 1

Publicly Rich Privately Poor – Part 2

Get the Book

How to Rate & Review a Podcast in iTunes

http://serialpodcast.org/how-to-listen (This is brilliantly done)

Publicly Rich Privately Poor – Part 2 – The Rise of the Poor Entrepreneur – Fix 1 – Motivation

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Start with why? What is your motivation? What’s in it for me? Who are you doing all this for? “What gets you out of bed in the morning?” And other borrowed quotes.

 

Tossing and turning at night worrying about money ruins lives, relationships and self-esteem. Let’s start the process to turn that around.

This is part two of my six-part Publicly Rich Privately Poor series of episodes.

You will also hear

  • Is doing something for yourself enough or is what you want to achieve more about others?
  • Today we tackle what needs to happen inside us before we take our money seriously enough for it to work in our favour. What does it take to push through financial strain and come out the other side?
  • I talk about how despite me believing otherwise, my race, ethnicity and background has coloured (see what I did there?) my motivations and the people I want to influence.
  • Why we should stop pretending money is not important or we don’t need it
  • Tips for
  • Where to go to

And much more

Disclaimer

This show, or any resources mentioned, is not a substitute for obtaining proper financial and or legal advice from a qualified professional who is familiar with your specific situation. Also be aware that the information contained may not be suitable for every person or organisation.

[spp-tweet tweet=”Smoothing out cashflow in your personal life is as important as doing it in your business”]

Show Links & Resources

Get your Free Build a Buffer of Personal Money Checklist

Publicly Rich Privately Poor – Part 1

Get the Book

How to Rate & Review a Podcast in iTunes

http://serialpodcast.org/how-to-listen (This is brilliantly done)

 

Publicly Rich Privately Poor-The Rise of the POOR ENTREPRENEUR -Part 1

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The number of high achievers who are one month away from financial ruin if they had an emergency is increasing rather than decreasing.

podcast-image-prpp-ep1

This little mini-series is going to give you an overview of how to go back to basics with your money. Reboot if you will.

This could be a dry subject but I promise not to make it so. When you think that the principles I am going to share with you over the next few weeks can change your whole perception of dealing with money. Don’t you owe it to yourself to tune in?

Make sure you subscribe to the show on iTunes or Stitcher so you get notified automatically when the next one is available.

Disclaimer

This show, or any resources mentioned, is not a substitute for obtaining proper financial and or legal advice from a qualified professional who is familiar with your specific situation. Also be aware that the information contained may not be suitable for every person or organisation.

[spp-tweet tweet=” The number of high achievers one month from financial ruin is increasing “]

Show Links & Resources

Get your Free Build a Buffer of Personal Money Checklist

Six Figure Business but I’m Broke       Listen to the episode here

12 Ways to Fund a Business without a Bank Loan

Robert Kiyosak Entrepreneur Magazine Interview

 

Get the Book

How to Rate & Review a Podcast in iTunes

http://serialpodcast.org/how-to-listen

Emotional Stress – The Staggering Financial & Human Costs of Stress w/ Mary Wingo, PhD

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Dr Mary Wingo Ph.D is the world’s number one human stress expert.  Her genius is in taking a subject that is complex and frequently expressed in scientific language and breaking it down into plain English for “Joe Average”.

The real Big Bang Theory. What subject can you bring together a biologist, physicist, geneticist, and biotechnologist and hear completely separate theories. Human Stress.  Brexit and Black Lives Matter are symptoms of the emotional toll on individuals who feel they have little control in the world in general. Not just the man in the street, but political and social leaders. Living in a state of constant stress has become the norm in the western world, but we are paying a high price for it. Personal well-being is suffering and despite social media there are people who have never been so lonely. Could we be heading for a humanitarian crisis not just an economic one?

Dr Wingo believes this is all preventable. She also reveals the number one stressor for humans by far and why it is the core of our problems in modernised society.

podcast-image-emotional-stress-w-dr-mary-wingo-phd

You will also hear:

  • Why she fled the US to live in South America
  • Why the last financial crisis was a catalyst for the re-emergence of group inequalities that many thought had improved, and how this has led to a herd mentality amongst what would be considered “civilised people”
  • Why stress is the root cause of physical disease and mental health issues
  • Why men are the most vulnerable group in society when it comes to mental & emotional stress
  • Why women are not so susceptible to loneliness and isolation
  • Why it is important to talk about money on deep, psychological level
  • Why money in electronic form has made us more vulnerable as individuals.
  • My take on how easy it is to manipulate people into believing any money they see on a screen is real and available.
  • How religion affects chaos in our lives
  • Why British pub culture is needed
  • The three stages of stress

And much, much more
Guest Links

http://marywingo.com/

https://www.amazon.com/Mary-Wingo/e/B01G24Q1RS

https://www.amazon.co.uk/Mary-Wingo/e/B01G24Q1RS
Show Links & Resources

Brexit and Black Lives Matter

Get your Free Build a Buffer of Personal Money Checklist

Get the Book

Going from Giving Free Advice for Coffees to an Authentic Mentor w/ Kathy Ennis

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Watch Video Below:

“Can I pick your brain?” is the sentence that can keep business people in the poor house. Listen to how this entrepreneur got out from under the pressure of giving lots of advice for little financial reward, and built a sustainable business.

 

My guest today is Kathy Ennis. She specialises in getting small, micro businesses, freelancers and self-employed individuals to live up to their true business potential.

As a successful small business owner herself Kathy is the first to admit that it didn’t come without its trials and tribulations. This is why she is passionate about sharing her knowledge and experience with others, so that their businesses will become everything they ever dreamed of.

Every small business wants to get new clients and make more profit; without taking up lots of money or loads of time.

Listen to her story of how she went from thinking she was a business person to the realisation she was “playing around”. The effect on her finances; and the big changes she had to make to be taken seriously.

You will also hear

  • How starting with a financial cushion actually gave her a false sense of security
  • Tips on choosing a name for your company
  • What forced her change from a sole trader to a limited company
  • Her unique perspective on what personal branding versus image management really is, and how to use them to your advantage
  • How the effects of the recession hit her business hard and how she had to reinvent herself to get customers again.
  • How she had to confront the financial side of her business even though she is not a numbers person.
  • How she transitioned from giving away advice for free to giving the same advice for a fee and how people responded.
  • Why you shouldn’t model other people

And much more

Disclaimer

This show, or any resources mentioned, is not a substitute for obtaining proper financial and or legal advice from a qualified professional who is familiar with your specific situation. Also be aware that the information contained may not be suitable for every person or organisation.

[spp-tweet tweet=” Knowing your numbers is the difference between playing or being serious in business “]

Guest Links

http://www.kathyennis.co.uk

Twitter:  @kathyennis

Facebook: – Kathy Ennis Your Brand is You

Email: [email protected]

Link to book:  How to Spot a Dinosaur by Susie Kay & Kathy Ennis

 

Show Links & Resources

Download your Build a Buffer of Personal Money Checklist

Get the Book

How to Rate & Review a Podcast in iTunes

http://serialpodcast.org/how-to-listen (This is brilliantly done)

FFS32:Are You a Great Customer, or a Deluded Pain in the Business Butt?

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Poor service or a bad buying experience is always the fault of your supplier, right? What if your bad experiences are down to you and you don’t even realise it?

Shine the Light
If there are any questions you have or topics that you would me to cover or you just want to share your experiences with me. I would love to hear from you.
There are a few ways to contact me.
• You can leave a voice message by clicking the link with the microphone.
• You can send a message from the contact page.
• Or you can send me an email at [email protected]
And so I can give you a shout-out, don’t forget to give me the name of your business, website, blog or podcast.

Show Links & Resources

Download your 5 Tools to Freedom

Get the Book

How to Rate & Review a Podcast in iTunes

http://serialpodcast.org/how-to-listen (This is brilliantly done)

How to Avoid Auto Enrolment if you are a Small Employer (Video)

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Here’s what to do if you think you may be exempt from the new “compulsory” pensions regulations. Watch the video below for a quick tip about being exempt from Auto Enrolment.

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  • Updates on ways to improve your day to day business money and productivity issues
  • Real life stories
  • Free video tips and tutorials
  • Downloads and templates to keep and use in your business

Click here to join

Resources & Items

Check out Resources – Georgette Recommends page

Get the Book

 

 

10 Money Questions Shrewd Business People Know the Answers to

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Welcome to today’s Grow Your Money (GYM) episode.

Do you have financial intelligence? What do the smartest business people know about the money in their company that ensures they stay ahead of their competitors?

If you can answer five out of ten questions that I ask in this episode, you will be in the top 15% of all entrepreneurs.

The trick is not to start with what data you have, or you think you need. Start with what questions about your business you need the answers to. And then use that to go seek out the information, reports or advisors that can provide them for you.

Today I am going to give you some of those questions. Play along and see how many you can answer.

Disclaimer

This show or any resources mentioned is not a substitute for obtaining proper financial and or legal advice from a qualified professional who is familiar with your specific situation. Also be aware that the information contained may not be suitable for every person or organisation.

[spp-tweet tweet=”Though you may try, there is no getting away from what the numbers in your business are telling you”]

 

Shine the Light

This is part of the show where I shine the light on great people and resources that you may find inspirational or helpful.

Today I have chosen an article and interview. I read it on the site Small Business Trends which is a site that talks about exactly that. The article I found interesting was part of an interview with Cindy Bates, Vice President of Small and Midsize Business for Microsoft. http://smallbiztrends.com/2016/05/business-intelligence-will-be-transformative.html

 

Show Links & Resources

Download your 5 Tools to Freedom

Get the Book

How to Rate & Review a Podcast in iTunes

http://serialpodcast.org/how-to-listen (This is brilliantly done)

Home Office Perk – How to Get “Work from Home” Allowance

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This is another Grow Your Money (GYM) episode.  Did you know the Tax Office lets you claim an allowance against household expenses for using your home as a work space?

Today I am going to go a little deeper into how it works and how to work out how much you can claim.

Home Office Perk image_blog post

You will also hear

  • Why you don’t have to communicate with the Tax Office to take advantage of Work from Home Allowance
  • How to be clear about what “work related” actually means in terms of working from home
  • What bills you can include in your claim
  • 2 easy methods to get to an amount to claim, plus 2 slightly more complicated ones
  • A free tool to help you calculate your entitlement easily

Disclaimer

This show, or any resources mentioned, is not a substitute for obtaining proper financial and or legal advice from a qualified professional who is familiar with your specific situation. Also be aware that the information contained may not be suitable for every person or organisation.

[spp-tweet tweet=” Take advantage of Use of Home Allowance. Every little helps “]

Shine the Light

This the part of the show where I shine the light on great people and resources that you may find inspirational or helpful

If you would like some examples of to demonstrate different scenarios of how others have applied Use of Home go to your tax office web site and search for Use of Home calculations.

The link to the page for the UK one is on my site below.

I would give you the URL but it is one of those long, unmemorable ones, and I need to finish the show before midnight so I would suggest going over to the site, download your calculator and click the relevant link for more info.

https://www.gov.uk/hmrc-internal-manuals/business-income-manual/bim47825

Show Links & Resources

financialgymforbusiness.com/useofhome

http://www.financialgymforbusiness.com/29

 

How to Rate & Review a Podcast in iTunes

http://serialpodcast.org/how-to-listen (This is brilliantly done)

 

Image- no attribution required

Work from Home – Is it All It’s Cracked Up to Be?

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Today I am going to give some things you need to think about if you are planning to work from home. The good points, the not so good points and how it can affect you financially, and what could trip you up.

FFS29-Work from Home_image blog

You will also hear

  • The pros and cons of being a home worker
  • Why your family can be your biggest saboteurs
  • How being mean to my husband helped my productivity
  • Why you may actually miss having a boss
  • Ways you save money by being at home
  • How your productivity is affected compared to going out to work
  • My take on the lack of understanding from your friends and family about entrepreneurship
  • Tips for not getting into trouble with the authorities

Disclaimer

This show, or any resources mentioned, is not a substitute for obtaining proper financial and or legal advice from a qualified professional who is familiar with your specific situation. Also be aware that the information contained may not be suitable for every person or organisation.

[spp-tweet tweet=” Don’t use energy trying to change opinions. Use your energy to take yourself seriously “]

Shine the Light

This the part of the show where I shine the light on great people and resources that you may find inspirational or helpful

With all that I have talked about today, one of the greatest barriers to being a happy and productive home worker is the simple (or so you would think) task of getting up and getting going.

Miracle Morning by Hal Elrod and the 5am Miracle by Jeff Sanders

Both have podcasts and of course websites with loads of and advice on the benefits, tips and tricks to get you up and productive in the mornings. And if you spend much of your time on Facebook, they both have Facebook groups you can join, with lots of people in the same boat, asking for and giving help.

There are links to both below.

Show Links & Resources

Miracle Morning by Hal Elrod

5am Miracle by Jeff Sanders

For guidance on whether you may have crossed the line from home office to business premises, visit

https://www.planningportal.co.uk/info/200130/common_projects/56/working_from_home

 

Download your 5 Tools to Freedom

Get the Book

How to Rate & Review a Podcast in iTunes

http://serialpodcast.org/how-to-listen (This is brilliantly done)

Testimonials

  • Andy PetersonAndy PetersonIntuit UK QuickBooks

    "Thanks for being one of my favorite partners this year. As one of my US colleagues would say – ‘You’re awesome!’

  • Steve SweetloveSteve SweetloveDirector - Right Hand HR

    “Dear Georgette, further to the work you carried out for one of my clients; I am writing to express my gratitude. The client was the first to admit that since incorporation the bookkeeping had been close to non-existent.

    Compliance was causing him anxiety as the industry his company trades in is tightly regulated.

    I received a call in which he expressed how relaxed he felt now that he was in good hands. I will not hesitate to refer you to family, friends and colleagues, as well as passing future clients to Precision/Financial Gym.”

  • Lillian KyeiAccountant

    I have tapped into Georgette Rowland’s expert knowledge; especially in relation to Estate& Letting agency accounting procedures. She is very efficient and reliable, readily to offer advice and help.
    I would highly recommend Georgette & Precision Bookkeeping for all your bookkeeping requirements and you will not be disappointed

  • Michelle HolmesMichelle HolmesThe Energetic Activist

    Georgette Rowland Osborne!!! You ROCK ROCK ROCK!!! Thank you sooooooo much! I freaking LOOOOOOOOOOOVE you Mrs! You are freaking ridiculously awesome! I need to broadcast you to the world!

  • Suzannah Nichol MBESuzannah Nichol MBEChief Executive Build UK Group of Companies

    "Our growth as a business has been fantastic and I truly meant it when I said you played a major part in that growth. Many many thanks"

  • Shelly CollinsShelly CollinsDiveristy Expert & Director of Just Resources International

    "Thank you Georgette, you changed my business and turned my life around!” 

  • Judith HollowayJudith HollowayParenting Expert & Property Coach

    “Georgette doesn't mince her words and gets straight to the point, with lightness and love - so refreshing!"