5 Tips to Get Financially Fit for 2022
Financial well-being is very important. It means having security and freedom of choice in the future. It’s sometimes difficult to establish good financial planning habits. Having financial freedom will help you control your day-to-day finances, have the capacity to absorb any unexpected financial shocks, track your financial goals and make the choices you want to enjoy your life. We have collaborated with MadeSimple.ie, the leading public sector financial planning experts, to share with you some of their top tips to get financially fit in 2022.
1. Protect Your Income
If you are thinking of how you would cope financially if you couldn’t work because of illness or injury, you may be considering income protection. An income protection policy will pay you a benefit income if you have been unable to work for a certain amount of time because of illness or injury. One of the great things about Income Protection, or salary protection, is that it is relatively inexpensive. Over the course of your career, you are going to earn 2 million euros or more. For as little as €30 per month, you can ensure your income and therefore lifestyle is protected.
2. Make a Self-Contract for Your Personal Goals
A financial plan acts as a guide as you go through life’s journey. By completing a financial planning review, you have a clear understanding of where you are going to be in the future. If there are changes you want to make to this plan, discuss them with your financial advisor and your nearest and dearest. What does that do? It increases your commitment. We really encourage people to sign an agreement with themselves to fully commit and work towards their goals. A signature increases your commitment tenfold.
3. Break Down Goals into Smaller Milestones
Prioritize your future self. When you have your plan drawn up and an idea of what you want to achieve in your lifetime, prioritise one of your goals. When we target one goal, we generally have a far better chance of achieving it. Long term goals are important to your finances and personal growth, but too many long-term goals may take the backseat to more immediate short-term goals. By breaking one goal up into separate milestones, it will be easier to see your progress and motivate yourself.
4. Start Your Financial Plan Today
Start today. There are many benefits to starting your financial plan today. Kick-start the process and begin to build momentum. Even if it is just a small start, having that small start executed quickly gives you the satisfaction of moving toward your goals and desired result. We want you to start having a sense of achievement as you work toward your goals and the lifestyle you want.
5. Mind Yourself!
Our final tip is to mind yourself. What do we mean by that? Financial planning is absolutely core to our sense of well-being. If you are financially secure, it makes it much easier to be generally secure in other aspects of your life. Therefore, we advise you to be careful and take your time. Spending is quick, earning or saving is slow. When you are making spending decisions – think about it twice. Ask yourself is it important to you and does it help you achieve your financial goals. That’s why we encourage you to be mindful of your spending habits.
Taking the first step is often the most difficult part of the process. Unsure where to start? Fill out MadeSimple’s free financial planning report today and let’s get your finances in tip top shape by the end of 2022.
This is always a hot topic for teachers and so important to get it right.
Here are some mistakes that teachers have shared with us when they did our EPV Summer Course on Classroom Management with Niamh Byrne, Irish Primary Teacher.
We have dipped in and out of the CPD course to learn what to do instead!
Why do we remember the words of lyrics we haven’t heard in years? Why do some experiences stick in our heads more than others? Something made them memorable!
Make your lessons stick by trying to make some aspect of it different. This could be as simple as playing music (we have played classical music when students were working independently in the past) or hooking them into the lesson with mystery tasks or controversial questions that spark debate.
When planning ask yourself: What can I do to make this lesson memorable?
Trying to keep calm when things are not going well in the classroom can be such a struggle. It is overwhelming to try and support students with their emotions and behaviours – as well as our own.
Susan Gavin, course author of EPV Summer Course “Supporting Students with Challenging Behaviour” has put a comprehensive course together to help us pre-empt issues and creating systems and ways of working that stop things escalating negatively.
Trina Golden – Primary Principal of a new school, Owenabue Educate Together in Carrigaline, Cork. Previously the Principal of Ennis Educate Together. Passionate about equality based education, additional needs, educational disadvantage and trauma informed approaches.
Okay so we’ve all been there – a job post comes up on your screen that you hadn’t seen before and the deadline is that day!
You quickly rush the application to get it in before 3pm and pray to Beyonce (she’s like God, right?) that it’s acceptable!