6 Tips To Get Out Of The Rut Financially

We all get stuck financially sometimes, but what can you do to get yourself out of a rut, especially one where money is involved. 

I was a single mother with 2 children, a mortgage I could just about afford, and a job that didnt pay me enough.  In the early days here are some of the things I did to help me get through the financial maze. 
It was one of the things that got me anxious about whether I was able to be a good parent, if I couldnt keep the roof over my children’s head. 
I was also looking at ways I could earn extra money, but stay at home to be around them. 
It is a very stressful and worrying time to have a lack of money to do the basics like pay bills, and purchase food.  Here I was in that situation, as my back was against the wall a few times.  I was just too stubborn and proud to ask for help. 

1. Get Help from a professional

If you are struggling with your finances, now is a good time to get a review done of your outgoings and income.  Having a new fresh pair of eyes on the situation can help you save where possibly you can see.  If you have a friend who you can trust, or go along to the bank, the staff there are happy to help you review your finances.
Wise up with your finances.  A great resource for me was Smart Women Finish Rich – David Bach a trusted financial expert.  You can go to his site Davidbach.com for some great tips on finance. 

2. Review / Reduce your outgoings

This is something I had to do when I lost a big chunk of income in my life.  I found going through my statements a really good way to see what I was spending money on.  It helped me to cut down on direct debits I ‘forgot’ about, the old gym membership that was ticking away each month, but I was not utilising it, other direct debits I totally forgot and for which they were not adding any value.  Reduced my Sky packages, and reviewed my telephone line deals, mobile deals, insurance deals.  I really started looking at all the ways I could save money and reduce my outgoings.

3. Put Savings Plan in Place

It doesnt matter how small your savings plan is, start by putting one in place now, even if it is £10 a week.   You can increase thisd when you get more income, but having something put down as a rainy day helps.  You can find some great savings plans online, just make sure you do the research. 

4. Look at your debt

When I looked over my 3 credit cards, and the size of the minimum repayments, this freeked me out. 
I took advice from the Money Supermarket site and looked at the credit card that had the highest interest rate, and began to include additional payments to pay this off first.
With the other two cards, I just kept paying the minimum amount (pro tip: set this up as a standing order so that you dont get charged for missed payments) on them until I paid off the card that had the highest interest rate. 
Once card 1, was paid off (took me 18 months), then I looked at the next highest interest rate and paid the same amount I was paying for the previous card  plus a bit extra to repay the second card down, this one I managed to reduce within 8 months. 
The final card I had more money due to not paying for the two previous cards, so this one I paid off quickly.
You can also call your card holders and negotiate a payment plan with them while you pay off for the other cards.  You can find out more by visiting here   www.moneysupermarket.com

5. Review Your Job Situation

If your current job is not paying you enough, then it it time to look for one that will.  Too often we under value ourselves, and our abilities. I know I did, until I was forced to upgrade due to ‘needing more’
I looked at my current skill set, and reviwed my Resume.  I then applied for other higher paid jobs, and ensured I upskilled myself at the same time.  I went into interviews with an air of confidence about me, and yes I got a higher paid job, which helped considerably. 

6. Look at Creating a Plan B

I didnt have a Plan B for if my partner suddenly walked out, that I could live independently without the salary. 
So, I quickly realised that I needed to put a Plan B in place. 
I was looking around to see what I could do to build residual income on the side, without jeopardising my full time job and this is where Network Marketing came into my live.
There are not too many areas that can generate residual income for you outside of
a) becoming an author (publishing rights)
b) becoming a produced of music (music publishing rights)
c) becoming a play right etc… you get the drift
Yes they all receive royalty  for writing, producing something ONCE, and if it is played, read, sold, they get paid over and over again.  That is residual income!


Colette Morris will use the information you provide on this form to be in touch with you and to provide updates and marketing. You can change your mind at any time by clicking the unsubscribe link in the footer of any email you receive from us, or by contacting us at Colette.healthcoach@gmail.com. We will treat your information with respect. For more information about our privacy practices please visit our website. By clicking below, you agree that we may process your information in accordance with these terms.

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5 Tips To Help You Find You..


It took me nearly 5 years to find out who I was, after going through a relationship breakdown. Many of us go through life without really understanding who we are, what we like, what we don’t like, and where we want to be in life.

I went from being a teenager living at home, daughter and big sister, to being a partner, moving in with my then boyfriend who later became my husband. Then became a mother and in all of this time didn’t really have time to find me.

Sounds familiar?

So when I went through my relationship breakdown, I took some time out to try and find me, to try and find you the real me was not this person who was mother daughter, sister, friend.

To hear some tips I hope you find useful because it the stages really did help me to find myself and I hope they will help you too.

1. Love yourself

when you truly love yourself, no one will ever hurt your spirit or the real you again. Learn to love who you truly are. Ask your family and friends what they feel are your best qualities, you’ll be surprised what they put out and send back to you.

Begin to value yourself, you have a lot to give not only to yourself but to those around you.

Look deep within and ask yourself the following:

What are my favourite foods, colours, music?

What don’t I like in a person? Do I have any of these qualities? How can I make a change to remove them?

What do I like in a person? Do I have these qualities myself?

What am I passionate about in life?

What would I like to change in my life/ about myself?

What are my strengths? You might want to ask your friends and family about this one.

What are my weaknesses.

What is the best thing I like about me?

When you can truly answer all of these questions you have a better picture of who you are. You will begin to see who your authentic self is, you begin to have peace within yourself knowing that no one can take away the essence of who you are

2. Be Selfish

I found this one really hard to do, because I am a selfless person and I love to help people sometimes to my own detriment. There is a time where you need to be selfish. You need to put yourself first. When you realise that your own mental health is more important than trying to support someone else you will begin to understand the selfishness to keep you sane and keep you healthy.

When was the last time you treated yourself?

Say no to people, Saying no does not mean you’re mean person. And you should never feel guilty either. This I found really hard to do, but eventually if you explain to people why you cannot take certain things on they do understand and no they don’t shoot you down for it.

3. Dream Again

You may have had dreams at the start of a relationship, but for whatever reason those dreams got batted down or simply got put away. Now is the time to bring them back up again. I found using a vision board really useful if you’re not sure what a vision board is you can google and find out. Basically cut out the things that you want in life and this could be pictures that represent what you want out of life if it’s a loving relationship find a Picture of a couple in love, if you’d like to go on a cruise where would you like to go? If you want a new car, what car, what colour, what interior, if you wanna go on holiday where do you want to go? Get the picture? No dream is to bake, but don’t dream small because you’ll be disappointed if you get them.

4. Surround yourself with positive people

If you find yourself surrounded by friends who are always moaning and complaining, this isn’t going to help you. You need to be around people who are forwardthinking, positive thinking, and who want to do more be more have more in life. This really motivated me and one of the reasons why joining a network marketing company can help you with the positivity around you. No I’m not advocating this for everyone these are my thoughts.

You can join meet up groups that are local to you, and there is a meet up group for every single type of activity you can think of.

Don’t be shy to start conversations with new people, you never know you may meet this way and the people that you talk could be your gateway to your next opportunity.

5. Re-connect with your inner spiritual self

When you have an attitude of gratitude you will start to see things differently.

For me I found keeping a journal really helped, I wrote down all my thoughts and my feelings on a day-to-day basis, along with all the things that I was grateful for. Your core being is your stabiliser physically, emotionally and mentally and you need to reconnect with that, this can be done through meditation, through yoga through prayer.

Find a way to help yourself destress, to help you be at peace. Listening to music, going for long walks, yoga, anything to relax the mind. So these are some of the things I initially did to help get me back on track.  Throughout my blog I will be sharing more so keep tuning in, and do let me know what you have found useful. 

Love to hear from you!


Colette Morris will use the information you provide on this form to be in touch with you and to provide updates and marketing.  You can change your mind at any time by clicking the unsubscribe link in the footer of any email you receive from us, or by contacting us at Colette.healthcoach@gmail.com. We will treat your information with respect. For more information about our privacy practices please visit our website. By clicking below, you agree that we may process your information in accordance with these terms.

We use MailChimp as our marketing automation platform. By clicking below to submit this form, you acknowledge that the information you provide will be transferred to MailChimp for processing in accordance with their Privacy Policy and Terms.

How Music Helped Me To Remain Positive And Upbeat

SO there were days when I felt so low, lack of energy, lack of self esteem and felt really crap.  This was shortly after my marriage broke down.  I won’t go into details, but if any of you have faced a relationship breakdown, you know how bad it can get.

dare to dreamYou stop caring for yourself, you stop worying about eating properly, if you bother to feed yourself at all! You stop worrying about your appearance, just about keeping it down to get to work and back.  You work on automatic, getting the kids ready for school, doing the washing, ironing, homework with them and all of that, but for yourself, you don’t make time, make time to discovrer you again.  That is what I had to do, make time to discover me again.

I questioned my whole being, why was I here? I must have a purpose in life, what was it? Who am I, who is the real Colette Morris?

I was daughter, sister, girfriend, lover, wife, mother, aunt but  who was Colette? What did she like? what didn’t she like? What was her favourite colour, music, foods?

Yes I went in deep, it took me 5 years after my seperation to find the real me, the real person, the Colette I was and wanted to be, not the one who others expected me to be. Music helped me throughout all that time, it made me stronger, made me live again, made me more positive and helped me see light at the end of a dark tunnel. Previous studies have found that music therapy is a promising additional treatment for depression.

Depression is usually treated with medication and psychiatric counselling. But I didn’t want to go down that route, I felt I was strong enough to resist and find my own way. Hence the start of a journey which has strengthened me and led me in the direction of my purpose. Led me to opportunities that have moved my life forward.

Now being a single mother with two young boys, I had to be their rock, and show one face.  The face of resilience, and reassurance give them the feeling of stability and safety like all mothers try to do, making them feel  that everything will be alright in the words of Bob Marley 

Even if inside my world the walls were crumbling and I felt not in control.  So, when I had those days that I didn’t believe enough in myself, I listened to uplifting music, this ranged from Bob Marley and his positive vibes of ‘Dont’ Worry’, to gospel tracks, and my favourite was Sounds of Blackness – I’m going all the way

I soon made a list of music that inspired and uplifted me, that my spirit jumped to,  this helped my mind shift from a depressive state into a more positive and responsive state.  During those moments, I began getting back my awesome!  I began to dream of my new life, of what I wanted to be, do and have going forward.

When I understood what was important to me, my WHY for carrying on, it helped with putting dreams and goals back into my life.

There are also natural herbs that can help with depression, and one such herb exists in SOUL that is Black Cumin Seed  

Black seed or Black Cumin Seed has been used to treat anxiety in the herbal realm.  But did you know that Black seed has been used for thousands of years, throughout Egypt, Greece, and China.  It has so many benefits  and has been known to fight cancer and infections, restore hair loss, improve the condition of your skin, and provide so many other health benefits.  If you want to improve your mood, help your body fight against disease, and significantly reduce your level of anxiety, then you need to get familiar with black seed oil. Try using SOUL which contains black cumin seed and other potent seed nutritional extracts.

So for me, Music was one way, self development and moving in different circles also helped, but those are posts for another day!

Have you found music to help you with your moods, whether to calm you down, or to shift from one state into another?  Let me know.

Study for Music and Depression

Fish For A Healthy Mind

I love eating fish, and fish is exceptionally good for the mind as it is high in omega fish oils. It has become a bit of a routine especially in this hot weather that we are enjoying here in the UK , to just simply put fish under the grill or on the barbecue and eating it within 20 minutes.

A diet rich in oily fish has a direct impact on your mood. It is widely believed that omega-3 fats help to increase the “grey matter” you have in your brain, and a diet rich in oily fish helps the brain actually grow. The so-called “grey matter” has a direct effect on your mood and the old fashioned term “brain food” is seemingly true when referring to fish.

Women going through the transitional phase of menopause are often affected by numerous signs and symptoms. One of these symptoms is depression, and dealing with it is tough. Depression usually includes, or is a result of, anxiety, low sex drive, and fatigue. Now, we all feel down in the dumps at some point during our lives, however there are foods that can stimulate the mind and may help us overcome this feeling, fish being one of them.

If however you don’t like fish, then you can take omega 3,6,12 tablets instead, but Studies have shown that tablet form does not easily absorbed into the body and therefore is not as affective as most people would like to think.

Or you could look at our seed nutrition supplement RAIN SOUL which delivers omega 3 and 6 in a more absorbable way so that your body will get much more benefit.

Another reason for eating fish is that not only is it easy to do, but it’s very low in calories high in protein has lots of good fats and is much easier to digest than heavy meats.

If you look good on the outside you feel good on the inside, you have to work at yourself both inside and out. You cannot do one without the other.

Changing your eating habits, eating healthier or have both positive effect on your mind and on your body so make that decision to take a step in the right direction and make a change today.

I wanted to share one of my favourite fish with you. It’s in the photo sea bream closely followed by sea bass – what’s your favourite?

My weightloss and Menopause

Ever since I turned 50 I have struggled to lose weight. I’ve never had this problem before in my younger years I was able to drop the weight quite quickly that I put on. This was because I guess my metabolism was a lot faster, and I was probably a lot more active than I am now.

It doesn’t actually help that I’m going through the menopausal stages. Boy are these hot flashes taken their toll on my body 😆

So I’ve been trying all sorts of diets, low-fat, low carbs, high fat, high protein just trying to find one that works with my menopausal body.

So seven days ago I embarked on a new type of diet one which personalises my macros and I can eat anything I want as long as they fit inside those macros. Right now I’m loving it, but I’m sure it’s calculating my calories is far too high because there is no way I’m able to eat all those calories I feel really fat 🤪

But the evidence is clear after seven days 3.6lbs down, my skin looks a lot healthier, I don’t have as much bloatedness which was a big issue for me, my bowels seem to be a lot more regular, and I don’t have as much brain fog and not as tired as I was before.

Of course there are a few lifestyle changes I made along with my diet. Going to keep on this for the next seven days and let you know how I’m doing.

If you have tried different things for the menopause let me know what’s working for you.