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Lost In Grief? Create Lasting Memories With These 8 Tips

April 13th, 2023 Posted in family finance, Wellbeing
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When a loved one passes away, there is a loss that cannot be easily filled. Loss can be tremendously difficult to deal with, so it’s essential to have an outlet to process your grief and work through everything you are feeling and experiencing. It is only natural to feel lost in grief at times and run the gauntlet of emotions as you try to find your way in the world without them.

“What is grief, if not love persevering”

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Lost In Grief? Create Lasting Memories With These 8 Tips - woman crying image

Just because someone you have loved has passed away, it doesn’t mean your love for them stops. You will never forget that person, and while time may be a great healer, many people find they simply adjust to the norm rather than getting over the loss. Far from it, that love needs to be channelled into something productive and to be used as a tool to help you move forward.

But having a way to remember the person you loved who is no longer with you can be a great help in dark times and give you something to focus on. This post looks at some practical ways you can remember them and celebrate their life to help give you some comfort in a time when you need it the most.

Headstones or Grave Markers

One of the most common and traditional methods of a permanent memorial for a loved one is to mark their last resting place with a headstone or grave marker. This can not only help you to identify their resting location but also share them with others who visit the area. You can choose a variety of different designs and styles for your headstone and include various parts, from pictures for headstones by Memorials.com to engravings, quotes, poems, and simple tributes. Whatever you choose, you can ensure it is fitting to the person while giving you something you can visit and take comfort from.

Create Jewellery

One option which is gaining in popularity in recent years is to have a keepsake made from something special relating to that person. This can be either having their handwriting engraved on an item, their picture transferred to a locket or broach, for example, or using a lock of their hair or their ashes to create a stunning item you can wear every day. Depending on what you feel comfortable with, there is a wealth of possibilities. But this option allows you to keep a part of them close by for you to lean on when needed.

Charity Donation

Charity donations to something they were passionate about will allow them to live on forever through the initiative regardless of what it is or how much you are able to donate. A lot of people leave lump sums in their wills to go directly to a specified charity. However, if this hasn’t been the case, you can consider a charity donation in their name. This can be via sponsoring an animal, funding research, helping to support a new building or equipment they need, or covering running costs. This is a great way to ensure they are never forgotten and are still helping something they are passionate about even though they’re not here.

Mark A Spot

Marking a spot means you have a designated place you can go to in their honour and feel close to them. It can be different depending on them as a person or what will bring you the most comfort. It can be planting a tree in their name. It can be a plaque on a park bench, a brick at their favourite place, etc. A physical location can help you feel less alone and connect with them when you need to.

An Online Memorial

A more modern version of a home-based shrine, an online memorial allows people to share videos, images, and funny anecdotes about the person in one place for others to take over. This will enable you to retain their memory and share with the world the exact kind of person they were and how you want them to be remembered. Simply upload any media or documents you wish to share, and you create a stunning virtual online memorial for them that will stand the test of time.

Set Up A Foundation

People sadly pass away for many different reasons, and there are a whole host of charities and foundations that are set up in people’s names to honour their legacy or to ensure that the way they passed doesn’t happen to others. Whatever the reason for your foundation or charity, you can ensure others are well taken care of, educated and supported to meet your agenda and give you a long-lasting legacy to ensure they didn’t die in vain. If you are feeling lost in grief, this can be an excellent channel to process your grief into something worthwhile and give you a focus and commitment to support you and others around you.

Get A Tattoo

This isn’t for everyone, but a permanent reminder of a loved one on your body can give you a final tribute to them that is with you forever. From images or quotes, using their handwriting, to symbols that had meaning to them, whatever feels appropriate to you. This way, you can have a part of them with you at all times.

Frame Something

Lastly, you can create a framed image or frame some items of them for you to hang at home. In fact, you can take it wherever you want. It can take pride of place in your home for all visitors to see. It can be part of a more discreet shelf in your home with items dedicated to their memory or can be something you keep on you in a purse. By framing these treasured items, you can protect them from harm and ensure they are kept in good condition for you to connect with when needed.

Conclusion

Losing a loved one is never easy, and this post gives some great ideas on physical and practical ways to honour their memory and provide you with something tangible to remember them by and ensure they live on in your heart and memory for the rest of your life.

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Are You Prepared for an Injury, or Will It Take You by Surprise?

July 25th, 2022 Posted in Money Tips, Wellbeing
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Most of us don’t really plan ahead for injuries or anything of the sort. For instance, we don’t have a pair of crutches ready and waiting for us to use, and we don’t exactly have a wheelchair that’s ready to be used in our garage. But being ready for an injury doesn’t just mean how you’ll deal with it physically–it can also mean financially or in terms of your work as well.

For example, if you’re injured and your employer doesn’t have a sick payment policy, then you may be out of luck when it comes to your income. Unless you have savings prepared in this situation, then there’s little you can do to manage your finances and you might end up running out of funds. So in this post, we’re going to discuss a couple of concepts that will help you prepare for an injury in order to minimize the impact it has on your life.

Are You Prepared for an Injury, or Will It Take You by Surprise? - person on crutches image
Photo by Towfiqu barbhuiya on Unsplash

Get in touch with a law firm as soon as possible

The first thing to do is get in touch with a law firm or at least look around for one in your local area. A personal injury law firm is going to be a great help in getting you back on your feet. They’ll help you recuperate the costs of a personal injury and they’ll ensure that you get the right amount of compensation from your insurance company. The entire process of speaking to your insurer and getting financial aid after an injury can be complex and daunting, so having a lawyer at your side can really make things smoother and easier.

While you don’t necessarily need to get in touch with a lawyer, it helps if you at least understand your local options so you won’t be in a panic when you are injured. The sooner you can get in touch with a professional, the easier it’ll be to recover.

Can you continue earning while injured?

One of the biggest concerns you’ll face when injured is that you won’t be able to make money. Thankfully, there are plenty of workplace policies that will give you some form of sick pay while you recover. These days may be limited or the amount may be capped, but it’s a good way to keep making money while you’re injured. However, if this isn’t an option or you work a job that doesn’t have any kind of sick pay, what choices do you have?

If you’re able to work remotely, then you could do a couple of hours each week to maintain some form of presence at work. This is usually good enough for most employers to keep paying you a full salary. Your injury might also not affect your ability to work. For instance, if you have limited mobility due to a leg or foot injury, then you might still be able to work on a computer. This isn’t ideal, but it’s still a good way of stabilizing your income while you’re injured.

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The 7 Pillars of Financial Wellbeing – Awareness

February 22nd, 2022 Posted in learning about money, Wellbeing
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Awareness – Understanding where you are now, where you want to be and creating a plan to get there

If you were asked how much money is in your bank account right now, how accurate could you be? Within £100? Within £10?

If that was challenging, you are not alone. When I ask that question to a group, the majority has no idea.

Yet most of us know how much we earn and will soon notice if an expected sum on payday is different by even a small amount.

So what’s going on? It would follow that the gap in our understanding is in how much we spend.

if you would prefer to listen to this post it is available on The Fearless Finance podcast

The 7 Pillars of Financial Wellbeing - know your numbers. The importance of awareness - looking in a mirror image

I remember travelling one time and allocated myself a budget in the local currency in cash. Everything I spent, physically came from my wallet and I could easily see at a glance how much was left. Setting aside money for a coffee at the airport and a taxi to get there, I was pretty confident and certain how much I could spend throughout the week.

And it feels good to be certain.

Contrast that with how most people manage their money day to day. It arrives electronically and leaves electronically and if we only glance at a balance once or twice a month, we really have no idea how much is available.

Rather than certainty, we are in the realms of assumption and denial.

Know Your Numbers

A great starting point in financial planning and regaining control of your money is to know your numbers.

Make a list of your regular outgoings, housing costs, food, transport, subscriptions etc. Next add on other spending, which is less predictable such as nights out, or clothes maybe.

If you total the list, you now have a pretty good indication of how much you spend each month and where it goes.

If you enjoy being even more granular you can use tracking apps or a spreadsheet to dig deeper or automate the process.

To some this may seem like a bit of a pain, but the process can be liberating in several ways.

If you were thinking about changing jobs or starting a business, now you know how much you need to earn as a minimum.

By comparing with your current income, you can see how much of a surplus or deficit you have each month. If a deficit you can take action to reduce or re-evaluate your spending. A surplus can be directed towards saving, investment or paying off debt.

A good practice is to pay yourself first by taking some of your surplus at the start of every month, rather than waiting to see what’s left at the end.

A third benefit is becoming more conscious where you are spending your money. If petrol is costing you X hundred pounds a month, how much could you save by taking public transport? If home heating bills are spiralling, maybe it’s time to nudge down the thermostat? Small savings add up and its better for your wellbeing to be in control rather than in denial.

Setting Goals and Plans for The Future

One of the most popular categories for New Year’s resolutions is around money. Many people set well intentioned ones such as to get out of debt or increasing their income.

One of the keys to effective goal setting is to understand your why. Having a compelling reason for doing something will help you find the way to achieve it.

Some things are more under your control than others. For example, getting out of debt is achievable by identifying spare money and targeting debts in a systematic way. Stop spending money on credit cards and look to switch to lower rates of interest will also accelerate your success.

Doubling your income is more of a challenge especially if you earn a salary. Mostly because there are more factors beyond your control. However, if you ask powerful questions you can expect to receive powerful answers.

For instance, asking ‘why am I always broke’ is not a powerful question. But asking ‘what would need to happen for me to double my income’ could be.

That might lead to some ideas such as asking your boss what you would need to do to qualify for a promotion or raise. Taking additional training or qualifications. Working extra hours or starting a side project. Perhaps even switching careers all together.

A definition of financial wellbeing includes feeling comfortable and empowered around money both now and for the future. Therefore, a better understanding of where you are now and where you want to be is a great first step in improving yours.

If you would like my free guide – The 7 Secrets to Financial Wellbeing – please click here

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