Money + Life + Balance

Life is far more than working, saving, paying bills and managing responsibilities.

With help, you can create a positive Balance between Money (the tool) and Life (the experience) – and do so with confidence.

The New York Times bestseller by Tom Rath and Jim Harter – “Wellbeing: The Five Essential Elements” – provides a holistic view of what contributes to our wellbeing over a lifetime.

It insightfully begins with a sideways look at the many ‘life changing’ programs available, promising that they will help you to get richer, lose weight, strengthen relationships – each creating a better you’ independently of the other.

Read on though, and we learn that they are not independent characteristics at all, but integral, all, the cycle of wellbeing.


Career Wellbeing – Finding satisfaction and enjoyment in the daily activities relating to work / career and daily routines.

Social Wellbeing – having strong relations with friends, partners, love, marriage and life.

Financial Wellbeing – being able to pay for the fun in life and manage your economic life and lifestyle.

Physical Wellbeing – being in good health through exercise, sensible eating, drink and life management.

Community Wellbeing – exercising good deeds for and comfort within the community you work, live and play.


The single biggest threat to our own

wellbeing is ourselves.

We know exercise is good news, but missing a gym session or taking a shortcut on a walk – well it won’t hurt – will it? Too much salt and too much sugar are bad news, yes. But one beef burger won’t hurt and that ice cream last week was just a treat – wasn’t it.

As long as we allow short-term desires to win, it will be difficult to effect long – term change, change that builds a solid, happy foundation for good times ahead.

We understand the value of balancing work life with social and family life – it’s that work/life balance they talk about.

Live well now, enjoy life longer. Eat well now, enjoy a healthier tomorrow. Plan a healthier, happier lifestyle, enjoy a healthier happier future.


More on the Survey

Gallup scientists have been exploring the demands of a life well-lived for over 50 years. More recently, in partnership with leading economists, psychologists, and other acclaimed scientists, they began to explore the common elements of well-being across different countries and cultures.

The research found 66% of people doing well in at least one of these areas, but just 7% to be thriving in all five. If we’re struggling in any one of these domains, as most of us are, it damages our wellbeing affecting our daily life.

When we strengthen our wellbeing in these 5 essential areas, we will have better days, months, and decades.

We are not getting the most out of our lives unless we’re living effectively in all five.


Short Term / Long Term

For some, spirituality drives them in all these areas.

Their faith is the most important facet of their lives, driving their daily efforts. For others, ethical beliefs such as protecting the environment, inspires them each day.

While the things that motivate us differ greatly from one person to the next, the outcomes do not.

There are many ways to create thriving Career, Social, Financial, Physical, and Community Wellbeing because we have varying degrees of control in each – exercising, socialising, spending wisely.

There is always something that happens in life that makes you think: “woh, wait a minute, what just happened there?” It is that ‘wake-up call’ that makes us think about life, your life, its values, pressures, problems – and opportunities.

The shock could come totally out of the blue, being global or so very personal. The shockwave is life changing.

Why wait for the shockwave before thinking properly about your values and wellbeing. You can balance the complicated elements that make up your personal wellbeing by talking to us now.

Self Belief

There is an awful lot of ‘noise’ out there within which there’s only a teeny bit of sensible, useful information that truly and practically applies to YOU and YOUR life.

As the decisions you make have greater impact of your future, the more difficult they are to make. You become more confident to make such life-determining choices the more you believe in yourself.

Conversely, if you trust in your opinions as ‘facts’, the more likely you are to make the wrong decisions or to make no decisions at all. This is called ‘self-limiting belief. Knowledge is not expertise. Self-belief can only be based on your own experience, perhaps integrating the vast experience of trusted others.

So reach out and employ real expertise.


Get rid of all those complex, difficult decisions; listen to the encouragement; feel safe, more confident, sure of yourself and your future; be amazed at what you can actually achieve, and what is actually possible – explore those possibilities.

All decisions have emotional components. Make yours good, warm, relieved, happy, positive emotions.

No more fears about your tomorrows, start enjoying and living them fully – today.


Think about your personal habits. It is always much easier to spend on short-term pleasures now, rather than save to enjoy greater emotional experiences in the years to come.

Those burgers aren’t going to buy themselves. Putting money into a retirement plan would yield several times its original value later on, but spending it on an indulgent purchase today is much more fun and we can always deal with tomorrow … well, tomorrow – can’t we?

Money + Life Balance

Career Wellbeing

Social Wellbeing

Physical Wellbeing

Community Wellbeing

Financial Wellbeing

Money (the tool) affects elements of each of these conditions.