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Tackling Fear – Risk Vs Reward

Tackling Fear – Risk Vs Reward

Recently it dawned on me that when it comes to my business and taking risks, I’ve been somewhat fearless (okay, pretty damn fearless). Looking back over the past few years I started my business at a time when the Finance industry was taking a beating, which seemed to have culminated in 2018 with the Royal Commissions into Banking, Finance and Insurance.

Anyone who has seen or followed any of my stuff over the past few years would also know it was at a time when financially I was clawing my way back from Divorce Destruction.

I’ve lost count the number of cliffs I feel like I’ve had to jump off in order to get my business up and running and then to a point where I could actually pay the bills. Let’s face it, the statistics on small businesses succeeding weren’t really in my favour.

But with a lot of determination and blind faith that the Universe will always provide me with what I need, I jumped off those cliffs and have soared to achieve things I never thought possible.

The rewards have been great, I have total freedom and flexibility around my kids, around the content I produce and how fast or slow I choose to build my business.

That, my friends, is how I see risk and reward when it comes to business.

Now, on the other hand when it comes to my personal life and in particular finding new love, I couldn’t be more opposite.

In the beginning, I told myself it was because:

• I didn’t want to bring anyone into the Sh*t that was my life and yeah, that was true, my Divorce was pretty messed up (not to mention lengthy)
• Then I told myself it was because I had the kids fulltime, again, true, but my Mum only lives 100km away.
• Then I told myself I had to heal and work on myself, again, true, but that was 3 years ago.
• Then I told myself I had to focus on building the business, again, true, but this year the business achieved self-sufficiency.

So, given that I’ve run out of excuses, I started to wonder, “Why was I so fearless in business, but not when it comes to love?”

Over the years I’ve dabbled a little here and there when it came to dating (one week stints, four times a year to be exact), but few people have managed to sweep me off my feet and each time, they were just not ready to settle down. Looking back, I now see it was me, not them who was not ready.

What was the block that prevented me from moving forward. Why do I guard my heart so closely, fearful that it will get crushed again? A normal response for the first few years post-divorce, but seriously, we’ve clocked up nearly a decade and so I’ve decided this sh*t’s gotta end.

That is why I’ve set myself a new challenge to take the lessons learned from all those positive affirmations, self-help books, meditations, energy healings and anything else I’ve learned the past few years and apply them to a new kind of fearlessness.

2019 will be the year of pushing through all those fear barriers and opening up my heart again. I figure what’s the worst that can happen, I get rejected by a guy who probably wasn’t the right fit anyway?

I remember watching an awesome Mat Boggs video on YouTube about dating and rejection that has stuck with me over the years. He said “If I told you that the 17th next person you date will be the one, you’d be out there trying to get rejected by 16 guys so quick it’d make your head spin”.

So that’s going to be me in 2019. Shedding that last bit of armour that has kept me safe over the years but somehow turned into a prison, keeping me from sharing all the love and joy I know I have inside of me to give.

As I come to the end of my declaration of new fearlessness, my question to you is, what are you going to do to become more fearless in 2019? What cliffs are you going to jump off and what heights do you wish to soar to?

What’s going to be your risk and reward?

I’d love to hear from you so please comment below.

To read more of my blogs, head over to my General Blog or my Personal Blog, Sh*t They Don’t Tell You When You Get Divorced.

Love and gratitude

Leisa xoxo
The perils and cost of modern day birthday parties

The perils and cost of modern day birthday parties

I was talking with my youngest child today who has his 10th birthday coming up next month and of course we got on the subject of birthday parties. Internally I was already groaning because I just knew what was about to come next.

Recently he went to a Ninja Warrior Birthday party and of course this is now what he has been begging me to have for his party. But at a cost of over $300 I was thinking “Hell No”, you’re turning 10 not 21.

But this got me thinking, when did it become the norm for parents to go all out and spend upwards of $300, $500 and sometimes nearly $1,000 on a kid’s birthday party? Will a two year old really remember when they are an adult that you threw them an expensive party complete with Jumping Castle? And what if you have more than one child? Let’s say on average you spend $350 per party for three children every year, that’s nearly $1,000 per year. This is, of course, excluding the super expensive birthday present you got them.

Can the average family really afford nearly $1,000 per year on birthday parties?

What’s worse is that if parents can’t afford it, modern day habits (and guilt) find them putting it on the credit card and worrying about it later.  If you’re like one of the 16 million credit card holders in Australia with an average outstanding balance of $3,181*, then have you considered the compounding impact of putting another $1,000 onto that debt? Especially if you’re like many households who do not pay out their credit card in full each month.

So, if you’re like me and want to find a better way to reduce the Birthday Party spend, here are my top tips:

1. Chat to the kids about having 1 or 2 friends over and taking them to the movies, bowling etc. instead of a party.
2. Have a BYOD party for Xbox/PS3/Nintendo. These days most kids have some kind of electronic device. We recently had a party where everyone BYO’d their device and battled each other right there in the living room.
3. If you have a pool or a friend with a pool, have a pool party and buy some cheap water pistols, noodles etc. from K-Mart
4. Head down to the local park or water park (if you’re lucky like Townsville) and have a BBQ utilising the free council BBQ’s.
5. Utilise vouchers sent home from school for the local bowling alley, movies, etc.
6. Purchase an Entertainment Book for your local area and utilise vouchers for activities, food and drink.
7. Utilise vouchers for Domino’s Pizza, Pizza Hut etc.
8. Stock up on Home Brand chips and lollies. Once they are out of the packet the kids won’t know the difference.

With the savings I make each year, I put towards our annual holiday fund. This way my kids still get to celebrate their birthday with friends and we as a family get to make even more memories on a family holiday.

If you plan on taking a leaf out of my book and putting your savings toward a family holiday, make sure to read my other blog “Holidays don’t need to leave you in debt”.

Until next time,
Love and Gratitude,

Leisa Quagliata
Freedom & Financial Life-Stylist

To read more blogs please CLICK HERE

*statistic taken from finder.com.au 2018 Credit Card report