Sunshine Cash

Creating a Champagne Life on a Beer Budget

Free Resource

My Top 3 Tips For Living Your 10/10 Life.

1: KNOW what your ideal life looks like

Dream, really image yourself living your ideal life. What does it look like? Who is in it? Where do you live? What do you do every day?

You need to be REALLY specific here.
Start from the moment you open your eyes. What is your bed like? What do you do first thing?  Now get up, what do your toes touch on the floor? Is it lush carpet or cool polished timber floors?   Do you go directly to the kitchen to have a glass of fresh squeezed OJ or do you make your way to your spa-like ensuite for a vitalising shower under the glorious rain head while rubbing your body with luscious body wash.?

What is next? Breakfast, yoga, a run or quiet reflection on the patio overlooking the mountains?

How do you dress? What are your plans for the day?

Keep going until you complete your ideal day until the moment you slip your body back into that comfortable bed you rose from this morning.

You can create a number of these ideal days. You might have an ideal work day, an ideal Sunday and an ideal family day

2: CHOOSE to live that life NOW. 

Pick one or two things that are less than ideal and start slowly upgrading.
Simple achievable upgrades are the lesson here, you want each upgrade to be a regular part of your life.

3: Don’t STRESS.

If you are feeling stress about an upgrade in any way, it may be that you are trying to jump too many steps.  Is your Ideal Car a brand new Mercedes or BMW but for now you have an early model Toyota?   Start small, set your intention for that new car, buy a key ring with the logo on it, look at slowly updated your Toyota. Look at the price of older Mercedes’ or BMW’s ( you might be very surprised)

 

Be – Do – Have

An exercise in creating YOUR ideal life.

Be, Do, Have exercises have been around the self help circles for a long time. The intention is to show your mind what can be.  It is more than a “fake it and make it” folly, it is more about opening yourself up to the possibilities of what your best life FEELS like.

I like to take some quiet time most mornings, in that time before you are fully awake, and just BE.  See yourself in that ideal life.  TRULY be there, what does it feel like?

The following prompts can help you guide your thoughts as to what you can  BE, can DO and can HAVE.

Get my FREE worksheet prompt to help you create your ideal life vision

Enjoy ❤❤

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How much Tax do you REALLY pay??

“Nothing is certain except for death and taxes.”
– Benjamin Franklin 1789

In many business forums and groups I am a part of, the topic of paying tax often comes up.

Our account told me a loooong time ago that, as a business owner, tax is a good thing, it means you have made a profit. 🙂

Now, I don’t know about you, but while I do arrange our business finances so that we legally minimise our income tax as well a we can, I seriously do not object to paying my fair share of tax.

While I can most certainly object to some of the ways our politicians spend our taxes, I do accept the fact that our tax helps to fund schools, hospitals and aged pensions (among other things)

I know that our tax amount comes nowhere near close to even paying for my mother’s pension!!

I got into a “discussion” with a lady one day who swore that her husband paid over 50% of EVERY dollar he earned.  When I pointed out that the top tax rate in Australia is only 45%.  Still she was adamant.  Many others pointed out that her effective tax rate would be much less than even 45% as we have a sliding tax scale and the 45% is only on amounts over $180,000.

On further discussion, it turns out this lady is a stay at home mum of two toddlers and is being paid the maximum in Family Tax Benefits.  She could not understand that a large portion her husband’s tax was in fact coming back to her directly in the form of Family Tax Benefits., and that her husband’s effective tax rate would be quite low. ( some guessed at less that 15%)

My husband also complains occasionally about the apparent high tax rates, so I created an excel spreadsheet to show him what his actual tax percentage is.

We don’t have Family Tax Benefits anymore but I have added it in so you might get a better idea as to what your effective tax rate is.

I hope you find this interesting.

Download the Effective Tax Rate sheet in my Information Vault.

Sign in to the Information Vault.  (lots of awesome goodies)  Freebies are HERE