You were not born to just go to work, pay bills, and die. In fact, if you’re an average British employee, you can’t even afford to.

The 9-5 job! It will help you buy a house and give you money for holidays and fun and you can save for anything you want then retire, get a pension and travel the world! This is the lifestyle module we were taught was the aspirational symbol of financial stability, respectability and success!

When I started my first job at nineteen, I remember cycling into work and looking over the horizon at the traffic jam ahead. And already I felt low. Already a job felt like a chore. Like somebody else in charge of my time and money. Like school. But I was told that to not feel happy and grateful about a job was ‘immature, irresponsible and unrealistic’.

Fast forward twenty five years, intermittent jobs and own businesses and I decided to see whether in fact, in Britain today, employment really does deliver the financial security, disposable income, holidays and comfortable retirement it promised.

Job for Life – In 2019 the average Briton won’t stay in a job longer than five years. The reason is salary increases are maximum 3% per year. The only way to get a significant salary increase is changing jobs. Nowdays even workers in jobs with high income and high savings worry the link between hard work and fair pay is broken. Only 20% think their pay reflects their efforts. Fewer than half of employees (44%) feel they have progressed in their careers over the last five years with only 40% feeling they have good opportunities to progress in future. Many routine jobs are at high risk of automation. Add to that the ease and speed of restructuring and a management that favours quick fix and cheaper hiring staff already skilled and trained by another company and firing staff instead of investing in their skills and long term development and you have employees living in near constant fear of losing their job.

Financial Freedom – In 2019 cars and houses are sold to us as ‘assets’ but in reality, an asset is something that helps generate cash or add value. We are taking out credit – ie long term debt with interest – that has to be repaid. In addition studies show that in 1992 the average house price in Britain was £70,000 with the average house buyer salary being £24,000. By 2016 the average house price had risen to £300,000 and the salary of the average buyer £63,000.
The average working Briton has only about a month’s worth of savings to maintain their living expenses, if their income suddenly stopped and while the average University Graduate is expecting to earn a higher wage, they embark on their career saddled with a £50,000 debt.

Lifestyle – UK Labour Market statistics released suggest that employment is at an all time high, but this is not quite in the way we would imagine. There are now nearly 1 million people on zero-hour contracts and 1.7 million in temporary work. A record 4.8 million are self employed and another 1.8 million in Britains’s gig economy. The Flexi-workers love their job, 83% reporting job satisfaction. However as many of these are redundant ‘second careerers’, they value autonomy as security over a job and earn less than £21,000 per year.
Only one group out of seven employment type groups of workers in Britain has the lifestyle we were told a having a job would provide. They are successful at adapting to automation, and the most likely group to value new technology. They report high job security, high autonomy and high fulfilment. What is the average job that can fulfil the promises offered by every job? Director of an IT services business!

Retirement – In Britain today we are expected to live much longer – in fact, if we retire at 65 we will spend more years in retirement than we did working. While Gen Z admits they won’t even be able to own a home to have minimised living costs by retirement, the biggest concern for the baby boomer generation today is outliving their pension/savings.

Economic insecurity has become the “new normal” in the UK with at least 70% of the UK’s working population “chronically broke”, according to the Royal Society of Arts.“Economic insecurity now stretches right throughout our labour market, including within jobs that appear safe on the surface. Wider economic trends suggest workers are worse off as real wages fall and in-work poverty rises. With Brexit in play/limbo Britain’s GDP has decreased £20.6 billion since the referendum.

According to a report by the Social Metrics Commission (SMC) 14.2 million Britons are living in poverty, of which 8.3 million are of working age and 4.5 million are children dependent on workers. It’s the biggest rise in poverty in forty years.

The number of homeless people in Britain is soaring by more than 1,000 a month, and reached a total of 320,000 in the first quarter of 2019, according to research released by homelessness charity Shelter.

Why is nobody talking about generating other income streams (and I don’t mean just adding another part time job to our already time filled working life). I mean Passive Income streams?

Chances are if you’re reading this, you’ve seen the tv show Friends. Jennifer Aniston received a ‘salary’ for each episode of lines learned, acting and filming. Fast forward to Friends ending and without having to lift a finger, Jennifer Aniston receives a cool $20 million per year in passive income from it. How? First it started with DVD sales, then the syndication to other channels and landing on Netflix. Simply put, the replays.

You can’t live in Britain and do your Christmas shopping without hearing ‘So here it is Merry Chrsitmas, everybody’s having fun! Look to the future…now it’s only just begu-u-un!’ Slade wrote the song and released it in 1973 when it went to number one. They did live performances on television and on tour. Obviously they got paid at the time, but did you know that since then every year to date they have earned £500,000 a year in royalties? Passive income. From the replays.

Now we know what it is, how can the average person, working a job and with a salary, with little to no savings, probably some debt and only a bit of free time, create passive income?

Make YouTube Videos – have a subject matter close to your heart? Have a transformation story to share that you feel might help others? With our generations Y and Z wanting to have more meaningful impact for others as well as a passion for what they do, many are already doing this! Whether it be sharing their compelling stories of inter-abled relationships, tv and movie reviews or gender transitions, Gens Y and Z have harnessed technology to reach out and connect with and assist, or educate, others.

Even lawyers and doctors can now be found creating YouTube videos to impart valuable professional information or reactions to tv and film versions of their professions! You can create a compelling video on literally any topic you choose or that means something to you and once it is complete share it on several social media sites. While a good bit of work goes into creating, sharing and promoting videos, repeated shares and views can generate a passive income!

Freelance your Passion – Is your passion photography? Photograph sales websites such as Shutterstock could buy yours! They offer either a flat fee or percentage of sales per photograph and the same photograph could sell over and over, generating a passive income!

Write an e-book – On literally anything. It’s a lot of work upfront but whether you market it on your own website and social media or affiliate with websites related to the same field it could generate a passive income for years to come.

Sell your own products on the internet – if you set up your own dedicated website you can sell literally anything you want. Your videos, your services, your own made items! While it’s not entirely passive in income, it is a time saver.

Start a blog – start talking about anything that means something to you and that could be of value to others. Or, if you’re not sure where to start, buy a blog that is already generating income. You can get a feel for its history or reinvigorate it with new content! Either way it’s a means to passive income!

Create an online course – feel like you could teach something constructively? Cooking? Gardening? How to use a computer? Interview technique? ANYTHING you are passionate about and could help others learn? Perhaps something you discovered by trial and error that could save others time! Create a course and market it online. This really is the gift that keeps on giving because once the upfront work is done, anybody around the world could be doing your course (and earning you passive income) while you sleep!

Become a referral source – Make a list of small business providers that you use on a regular basis and feel you can recommend to others without reservation. Contact the owners and see if they have cash referral offers. Your accountant, landscaper, electrician, plumber, carpet cleaning services etc. Keep a list of these businesses, and be ready to refer them to your friends, family and coworkers. You can earn a fee on each referral just from talking to people. Don’t overlook referral programs at work. If your company offers a referral bonus for either new employees or for new customers, then why not get paid for something you would do anyway?

Join a Network Marketing company – A good Network Marketing company has a vision beyond transactional sales and, in general, superior products. The business structure is already in place as is the development programme to move your mindset from that of employee to business owner. The price is minimal as opposed to the capital needed for a traditional and it’s also more likely to turn a profit in far less than the five years a traditional business usually requires. 80% of women who earn $100,000 or more per year in the US do so through network marketing and achieved it on a part time basis! Again, with technology you can take your home based business both local and global and, if coachable, can generate significant passive income!

We have been taught by those in jobs that we must do the same, but what do those on passive income say?

“If you don’t learn to make money while you sleep you will work until you die.” – Warren Buffett

Remember, the average job of the person who can afford to buy a house and save in Britain today and the reason? IT Services Director because of automation and technology!

In a world where we have made technology a priority in our day to day lives, why would we not put it to good use? It doesn’t matter your age, background, education level, gender, nor culture. Get to grips with using your smartphone – it has a global reach and you can make money!

I’m not suggesting chuck in your job and leap into the new arena. I am not suggesting that if you love your job you need to find another career. I am not saying that you will unfailingly earn Slade proportion passive income! But if you recognise yourself in the details of Britain’s employees today, what could an extra few hundred pounds a month do for you? What if you really could do what you love or what you would do anyway? What if in doing that on a part time basis alongside your job, you built a full time (or even more!) passive income?

I think that sounds pretty mature, responsible and realistic.



SMONDAY – that time on Sunday when Monday anxiety kicks in…

Many people live their life just for the weekend. It’s not only that we spend five days looking forward to just two. It’s also that most people only do what they enjoy most in just those two days…..

Wouldn’t it be better, if, instead of living for the weekends, we lived full time?

Here are ten habits to break and make to have something to look forward to besides ‘Fri-Yay’!

1) Stop counting down to the weekend – When counting down, you’re telling yourself that today, and everyday until Friday, is crap and not worth living. You’re literally wishing most of your life away! Catch yourself, ditch the thought and bring yourself back to the present! 

2) Stop thinking a whole day is a write off – especially before it’s even begun – A whole day is not crap just because of the day of the week it is! What’s more, if one bad thing happens in a day, this doesn’t determine the whole day a write off. The more you tell yourself ‘It’s Monday, it sucks!’ or ‘I am having a bad day’ the more you make it that way. Focus on responses to any one bad thing that has to be dealt with. Although bad things happen (and on any day) –  it’s you with your new habits that still makes the overall day great! 

3)  Watch the Sunrise or Sunset – Why leave that holiday feeling to just one or two weeks once or twice a year? I prioritise appreciating and posting sunrises and sunsets. There is something magical about being present at the golden hour, sipping on a drink and watching the sun slip below the horizon. Or being up and watching the wonder of a new day ahead of everyone else. Instead of spending this same magical hour in the morning or evening in bed or in front of a screen, capture the holiday feeling every day!

4) Count your Blessings – Taking some things for granted while highlighting when there’s a problem or something negative is a habit. Set up for a great day by counting your blessings, or giving gratitude. Write or name five things in your life you are grateful for and the reasons why you appreciate them. They can be anything really small to really big. Upon waking up if possible. But on the car drive or dog walk will do just fine. The more we count our blessings, the more of them we are likely to have!

5)  Go out Midweek – Yes, I know it’s a school night. Go to bed half an hour earlier the rest of the week if you must, but make big plans for a Wednesday night. Go to a gig, meet up with friends and stay up too late drinking wine. Catch a show, go to a movie – whatever YOU want! Break up your week by making unforgettable memories with the company you choose! So what if you are tired the next day? It’s not school. You are an adult – you know how to be responsible at work. This is your LIFE we’re talking about not wasting! 

6) Stop watching the News/reading Newspapers – It’s no secret that News is deliberately negative with a sensationalist twist to invoke fear and powerlessness. That doesn’t mean it’s not real, but bad news isn’t ALL that is real!  Be conscious about putting good stuff into your mind and the enhancing effects of this on your mood. Subscribe to YouTube channels on self confidence, self love and personal development. Or invest in some personal development books. It’s an easy way to get good vibes in and just fifteen minutes a day is enough to change your outlook for your day and your life!

7)  Create a special atmosphere at home – We are obsessed with having our own place – just so we can leave it empty all day every day to go to jobs! Really start living in, and enjoying, your home! I hate cleaning, but I LOVE the feeling of just ‘being’ in my home when my house has been cleaned! Just sitting on the couch? Turn the tv off, put on some music. Burn incense or your favourite candles. Get the lighting right and popcorn ready to really make the most of a good movie. Have fresh sheets and pyjamas ready to climb into after a hot bath!

8)  Travel more often – Ok so you’re limited to a few holiday days a year. Instead of spending six months or even a year living for that one or two week holiday, why not book more holidays more often? Book Monday and Friday off or Tuesday and Wednesday and tag them on to a weekend adventure! Have the next trip booked ahead of the one you’re going on to guarantee avoiding post-trip blues!

9)  Take steps to change your Life – If you really hate Monday and getting up to face the day (and the above aren’t helping), take time to identify if there is a more deep rooted problem. Don’t like your job? Want to change profession? Want to work on your own dreams, be your own boss?  Start taking steps towards your big change on a part time basis. We were not born to just go to work, pay bills and die. The sooner you get started on your new direction, the sooner you will get there! 

10) Give an hour to writing down your Goals for the week – Sixty minutes of thinking about the great things you will do for yourself, diarising the times and knowing the bigger outcome of these, can transform your week ahead. Write your Goals down and better still do this on Sunday to beat blue and anxious with excited and empowered. Practised weekly, this can transform your life!


It’s time to make a Run

It’s interesting that this direction from my top mentor and coach has come out now. But then, on the path to self discovery and ergo self-mastery, I have discovered that nothing is a coincidence. Particularly timing.

In the last week I was reflecting, ruminating (and all that good stuff) on how to successfully impact more people. What could be learned? How could I do better? Long ago and long forgotten words from my father popped into my head:

“Rachel has never run for anything in her life.”

Although they had lain dormant for so many years, now they were popping up repeatedly. Day after day, sometimes several times a day!

Was it true? Had I never put the full extent of effort into anything I wanted, ever…? OMG and is this a belief I’ve had about myself thus dooming me to a life of eternal strolling the path of mediocrity…?

I started arguing back: ‘Well, I never found anything worth running for before!’ and “Why, Rachel, why? Why have you never run?!” and retorts “well those words hardly motivate me to run!”

And then I quickly came to the conclusion that it really doesn’t matter either way. That this wasn’t why this was coming up now. That this wasn’t the lesson here.

We take on the words and beliefs of others about ourselves as though they are true. Particularly when a) it’s something negative and b) from a parent. I am sure my father’s intention was to motivate me. I just now know myself well enough to know that that kind of ‘motivation’ – doesn’t!

I sought people who inspire and motivate me in a way that’s in alignment with my soul. That give me room to grow as me. People and words that resonate with my naturally optimistic nature. People and words that don’t ever close the door to hope, faith and the possibility for change!

Who you were in the past is irrelevant to your future. Other people’s words don’t define you.  You can choose at any time to take on somebody else’s negative belief about yourself and be bound by it, or choose to know better of, and for, yourself.

What matters is who you choose to listen to now. Who you choose to be now.

I choose the words of my coach now. His words resonate now. Motivate me now. I can now identify any words (and people) that don’t and actively reject them as untrue. All that matters is now and the fact that, right now, I am fucking running!