Finding your zen or groove can be a game-changer


When you think about your finances, how do you feel? All calm and sorted or a bit anxious? If you’re someone who becomes a nervous Nelly around numbers, let me help you find your financial zen.


Small habits make big changes


Can you remember when you have started a new habit? Maybe it was exercise, a hobby or at work. When you reflect upon it, it’s likely that it felt difficult at the beginning. But now? It probably feels second nature and the feeling of overwhelm has been replaced with one of clarity and ease.

Just like any habit, when cultivating a practice of some kind, it all comes down to practice. So why not our finances as well? Who wouldn’t want to feel serene ‘calmness’ when it comes to their personal or business finances?

For me, finding your financial zen all comes down to creating a system – and when it comes to your money, having a system is a good thing. It keeps you organised, you can put processes in place to streamline tasks and it eliminates the need to make decisions when issues or tasks occur again and again.


Why are financial systems important to your business?


Using financial systems in your business means that no matter how busy we get, particular tasks are completed, saving energy and time. Just like automatic direct debits, where a business just takes your money from your bank account to pay your bills. You no longer worry about the due date – it’s paid like magic. Paid in full, on time, every time- that’s a great system!



Sound good? Let’s get started.


Start by identifying the tasks that require a system to be completed without a fuss, and tasks that are essential to life and business. Where do you need more ‘direct debits’ in your life?



Try one of these three approaches:

  1. Tackle repetitive financial tasks – the tasks you regularly do again and again
  2. Identify annoying financial tasks e.g. paying bills on time
  3. List areas or categories that require your personal or business financials and create a list of tasks (receiving money, paying money, paperwork)


Using one of these approaches, write a list of these tasks. Things you may do daily, weekly or monthly. In your personal life, it may include moving money to a bills account when you get paid, paying bills on time or setting money aside for savings. In business, this may include sending out invoices, checking invoices are paid or matching transactions in your bookkeeping system, emails for missing payments, paying bills and paying staff wages.

Highlight the tasks you already (unknowingly) have a system for.

Do you always place your bills in the same drawer when you receive them, or do you check your credit card statement when it comes in to see the transactions are all your own? Some tasks must happen, paying rent on the same day each week or mortgage on the same day each month. It could be paying staff on the same day of the week or do you check every Monday morning who’s paid invoices and email those who haven’t?



What is your motivation as to why this task just gets done but others don’t?


Some people will not have any tasks that are done regularly. Paying bills just as there due, or waiting for reminders. Other people may have 80% of their task set up as a system.

Whatever your current approach to finances, there’s always room for better habits and in turn, more order, calm and ease!