“Happiness is not a matter of intensity but of balance and order and rhythm and harmony.”
– Thomas Merton
Whether starting a new year, a new job, a new project, a new family or a new stage of life… chaos can quickly ensue! With this lack of balance, we can soon find ourselves reaching for a sense of order, rhythm and harmony.
Happiness is not just about working harder; it’s about working towards holding a healthy balance; as Rumi said, “Life is a balance of holding on and letting go.”
One of the inextricable elements of this balance is our money. It’s easy to think that it’s about how much we have that causes or alleviates stress, but the reality is that it’s not about how much we have, but how we choose to use it.
Financial balance is not just about numbers and algorithms; it’s about composing a life where every financial decision coexists in perfect proportion with your goals, values, and dreams. It’s about recognising that each choice, whether it’s a minor daily expense or a significant investment, contributes to the broader picture of your financial well-being.
Imagine your financial life as a symphony. Each note represents a different aspect of your finances – your savings are the steady rhythm, your investments the dynamic melodies, and your expenditures the harmonious accents. Just like a well-composed piece of music, your financial plan should resonate with the rhythm of your life, aligning with your personal values and long-term aspirations.
At the heart of achieving this balance is the concept of mindful spending. It involves making financial decisions that are not simply reactive but reflective. Mindful spending means understanding the impact of your financial choices on your overall life goals. It’s about asking yourself, “Does this purchase align with my values? Will it bring me closer to my long-term objectives?”
Being more intentional with your spending creates room for meaningful savings and investments.
We always remind ourselves and our clients that financial balance isn’t solely about frugality or accumulation; it’s equally about generosity and enjoyment. It acknowledges the joy and fulfilment that come from sharing your wealth, whether donating to a cause close to your heart or gifting a loved one. It’s also about allowing yourself to enjoy the fruits of your labour, celebrating life’s milestones and indulging in experiences that enrich your life.
These conversations of balance often require more than technical know-how; they call for emotional intelligence and self-awareness. Understanding your emotional triggers around money, your fears, and aspirations, helps in crafting a financial plan that is not only practical but also emotionally satisfying.
As your financial advisors, we at WellsFaber are dedicated to helping you find this balance. We understand that your financial goals are deeply intertwined with your life’s ambitions. Our approach is holistic, combining financial expertise with an understanding of your unique life situation. We’re here to help you harmonise your financial decisions with your life’s melody, ensuring that each note resonates with your personal goals and values.
We advise, you thrive.