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Money is a really powerful thing – it has the power to help us destroy, or to massively improve the world, depending on how we handle it.

And business success (to me) is my enabler to walking my talk and help many others to live their ideal life worry free too.

I'm so passionate about this.

And believe if we all get better at managing our money while aligning financial choices to our unique and core values not only we, but the bigger world will be a much better place for us all.

In this new year we are often bombarded with motivational quotes like....

"Whether you think you can or you can't, your right" Henry Ford

"Do more of what makes you happy"

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When most people first hear of the F.I.R.E. (Financial Independence Retire Early) movement it’s natural to assume the movement is all about money and being free, however we would be wrong.

In truth the F.I.R.E. movement is about self-discovery, our authenticity, experiences and our journey towards personal mastery.  The mastery of being able to better define, develop and live our own authenticity and to add value to others.

I don’t know who came up with F.I.R.E. as an acronym, if it was Peter, Vicki or a general consensus, however, the acronym resonates with more than just the goal in itself,

F.I.R.E is the distilled aspiration of the movement. Just as FIRE being an energy refines and purifies all things.

I also think it’s important to take a moment and dispel a broadly embraced belief about the F.I.R.E. movement.

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First let’s be clear. We do not live on tins of baked beans or substitute gravel for toilet paper. Ouch!

Secondly the $50,000 in additional savings we are accumulating is not from any increase in income or side gigs.

Our savings are purely from implementing smarter ways and choices to legally keep more money in our pockets instead of others.

Thirdly, we’re not special.

We have the same amount of time and days in a week to do everything we need to do just like you.

Lastly we also each have average incomes. Disclosure we pay ourselves $73,060 (after tax) or $100,000 gross annually.

So how did we do it? How could we find these  additional $50,000 in savings annually (we already save one income of $100,000 annually) without cutting back on our necessities and quality of life?

More importantly how can you achieve these levels of savings or more for you?

The short answer is “You can, just like us”.

You simply need to decide on what you want, identify the price, and decide if you are willing to pay and if so pay the price. Then get on with it.

Simple but not easy!

For me the biggest hurdle to achieving anything important in life has always been overcoming my inner voices of self-doubt and remaining persistent and committed to the task at hand.

How can we maintain our motivation when we don’t feel like doing the work?

How can we stay the course when we are constantly dazzled and distracted by alternative choices?

How do we break the boredom, and to keep going when it feels like we’ve been plateauing for so long, we’re so far from our destination and its just not fun or interesting anymore?

I have received many, many, many blessings over my life from my parents, however I believe the most valuable of all was their support and commitment to my swimming throughout my youth and teenager years.

For twelve plus years my Father ticked my feet at 4.45 am to wake me up, then would drive me to a swimming pool ( 40 km away) six mornings a week. Then after more time in the pool, five afternoons a week my Mum followed through by getting me home from 6.30 pm before preparing dinner for the family. By the way she had a full time job too. This went on winter, summer, spring and fall, school holidays and during school term.

A herculean effort of support that set me up for life. Thanks Mum and Dad.

The two most important lessons I learnt.

Choose one thing, do it to the best of your ability and stay the course. And the second be accountable to someone, because there are going to be times self-motivation alone is not going to get you out of bed or into that pool on a cold winter’s morning.

Sure I was a good at swimming. It was my teenage identity that I relished, but I believe want took me even further was persistence and staying the course of commitment.

And I got to see this play out each year at swimming national titles. I saw less and less of my prior competition on the blocks beside This fact alone empowered me and still today even more so, to do better and stay the course.

Now back to finances and a little more pool time..

Firstly let’s call saving money out for what it is. Saving money is boring, painful and takes the fun out of life. “It's a traffic light when you’re already late. A no smoking sign on your cigarette break”- Thanks Alanis.

Do you think I longed to get into that cold water on a winters morning at 5.30 am because it was fun? No it was not!

Braced myself and dived in because I had momentum i.e. I was already there to swim and I was a long 40 km from home by car. So my options were limited. On balance I just got in and did the work. True, it was shocking and painful at first but then soon after I’d forgotten and moved on.

Just like when choosing to save $50,000 annually. It’s painful and a real shock at first but you soon get used to it and life gets back to a resemblance of normality.

Also saving money like swimming can also get very boring very quickly. I was so bored and tired when swimming sometimes I would mistakenly hit my head on the pool end because I had slipped into a sleep swim. That hypnotic rhythm and black line......

How do you stay motivated watching that black line…Up and back, up and back?

Simple you take your mind into your own little world. You go there to solve your problems, you count laps, talk to yourself and you sing. You study, you pace yourself, you focus on your sets, you push yourself and you do the work.

When it comes to maintaining your savings cadence you also simply rhythm the same things i.e. 80% of the time take your mind off the task and engage it in other activities that don’t stop you saving but keep you entertained.

Running is free and healthy. So too is borrowing a book from a library, doing chores around the home. Writing a blog, attend a free community college class. There are so many ways we can invest in experiences that have a direct benefit to us without costing us a cent.

The other 20% of our time, simply because we are doing the work we will naturally want to improve.

Again no money is required to research alternative strategies, or benchmark our progress, fine tune our goal plans or revisit a better deal from your service providers. The point is focusing and doing self-improvement and analysis 100% of the time will burn you out.

Achieving financial independence is a marathon not a sprint.

Finally in regards to fun police.

At the time I thought I was missing out on friends parties, other sports, studying, scouts, or whatever others talked about but I wasn't there because I was training. The truth was that I wasn’t missing out at all. In fact swimming instead of partying kept me out of trouble instead of getting into it.

Any sport we choose encourages us into a healthier lifestyle and generally healthier interests. So  too does embracing greater savings.

Being focused on sports naturally meant I was interested in eating healthier, becoming stronger, engaging in other sports instead of, hours of watching TV and less healthy lifestyle pursuits.

Saving regularly gravitate us to have greater self interest in ways to better manage our finances, distancing ourselves from caving to instant gratification and placing greater value on maintaining things important to us.  

So bottom line how did we find and maintain $50,000 a year in savings.

Wealth creation and legal tax minimization via salary sacrificing up to our maximum each $25,000 into superannuation we minimized our taxable income down to $75,000 which saves us $4,825 each in tax per year or $9,650 total annually, this is net savings after paying 15% contributions tax into our superannuation.

The benefit of doing this is not only limited to lower taxes, but our money growing in a low tax environment that is protected from creditors and currently is tax free on withdrawal after age sixty.  

Becoming a single car household. Savings $5,000 annually. As we work together we only require a single car. For the time we are in different placed we use Uber about once a month costing $500 annually.

General food savings and discount coupons. We have a budget of $100 per week which includes our dinners out. The cost annually is $5,500 however previously it was over $15,500 as we would often buy lunches instead of making them, not buy bulk foods, buy mineral water where as we now use soda stream, or buy coffees and now we have a coffee machine. Savings $10,000 annually.

We also expanded our business with a business acquisition.

While this new business acquisition has substantially increased our earnings, these earnings are retained within our company and are being used to pay down borrowings which we project to be nil by 2020.

The benefit of structuring this acquisition asset with borrowed monies is that borrowing costs are deductible. While this has increased our costs, by $20,000 (4% interest cost on $500,000) based on company tax of 27.5% gives the business a tax savings of $5,500 annually along with an increase in revenue of $200,000 (which we have excluded in our findings of savings). The good news is that when this loan is fully paid business income is projected to increase by $20,000 as this represents the current annual interest on loan borrowing costs.

In this process of expanding our business we also relocated to Cairns. This meant we also purchased a property to live in.

Doing so incurred a $250,000 to our savings as a purchase cost, with additional and ongoing costs of $5,000 for strata. However doing so also freed up our house for rental. Which we receive $2,000 per week or $100,000 annual in rent. Again I have not included this in additional savings as we simply see this as a windfall in income and currently building up to replace the $250,000 purchase of our current residence.

Investment properties allow expenses to be deductible and since the property with strata and management fees annual cost is approx $35,000 annually, based on a current marginal tax rate of 37.5% these investment costs now becoming deductible, we have been able to achieve $13,125 annually in tax savings.

We also brokered a better rate with our following service providers

Bank: Saving 0.50% annual interest on a $500,000 loan $2,500 annual savings.

Credit cards: Choosing only one credit card with a complimentary holder has achieved savings of three annual fees or $1,200 annually.

Power: Change of providers and lower usage savings via more efficient blubs and appliance usage achieved $100 monthly or $1000 annually.

Subscriptions dropped: Foxtel saving $660 annually as this is replaced with SBS online and movies via a smart TV.

Health: Like with power bills a change of providers we achieved savings achieved $1000 annually with same benefits and excluding some ancillaries we don’t require i.e. pregnancy, remedial massage etc.

Phone/Internet: Like with power bills a change of providers we achieved savings achieved $1000 annually now we get unlimited data and free calls to each other.

Total ongoing savings are $50,635 annually.

Note these savings are in addition to an increase of business $180,000 and $60,000 personal incomes annually. So in total we are ahead by over $290,000 in savings annually (less personal income tax and excluding other investment incomes)..

Most importantly these savings and growth in income is only the ticket to get you to the game. The real prize is attained by patiently maintaining the cadence of saving money, increasing earnings and building ones assets.

As Einstein famously said about compound interest “Compound interest is the eighth wonder of the world. He who understands it, earns it, he who doesn’t pays it.”

This post was written by Peter Horsfield, as such they are his personal views. 

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

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It's common knowledge that debt and financial problems are the number one cause for stress and worry in our lives. 

Recently I met with "Frank and Ernest" who had amassed combined total debts of $127,000 across their credit cards, home loan and personal loans. 

Frank told me that they expected to be debt free in fifteen years (based on his mortgage etc). 

"How does being debt free within the next five years sound?' I asked.

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We’re going to live a free life, a happy peaceful life. This means more to us than anything in the world.

This is a story about freedom and every day doing the little but important things.

AboutPaul Kelly's inspiring and moving song about Vincent Lingiari Paul Kelly- From Little Things Big things Grow

And Albert Einstein's famous quote is “Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”

Everyone one wants freedom, choices, security, lifestyle, health, peace and more, however have you ever asked yourself what this truly means to you?

For me the important lesson “attaining freedom” was one of patience. This lesson came to the fore when I was twenty five years old. Discovering it would not only help me achieve my financial goals, it was to be a surreal feeling of frustration and liberation at the same time.

In my younger years I was a swimmer. My hunger to be the best swimmer drove me to practice. I practiced six days a week and for many years twice a day. At the beginning I wasn’t the best swimmer however I became the best as my competitors dropped away and I kept practicing.

At twenty five, I was close to broke with no career and the hight of my swimming was seven years in the past. This gave me pause as I innately I understood that again accepting patience and doing the work was the single most important path to not only my swimming success but anything I chose to put my efforts towards. Accepting these two ingredients i.e. patience & work, ensured that I could weather most mundane, unsexy, unexciting, and sometimes difficult daily and weekly disciplines over time.

My new goal at twenty five was one of financial freedom. To me this was $50,000 passive income per year. I projected this would require $1,000,000 in investable assets paying me 5% income per year. Based on a savings plan of $200 per week (what I could afford) and reinvesting my returns of 7%pa. Financial Freedom to me was going to take 30 years (Source Money SMART Compound Calculator). Note returns assume all dividends are reinvested, no allowance was made for taxation. Returns are not guranteed and as such investment values may not be achieved and the value of my investment could fall.

The two big take outs from this goal. Firstly it required a commitment of the $200 per week (not saving this would dramatically delaying achieving Financial Freedom.

Secondly it was going to take time, even a life time of commitment however with time I would be accelerating towards my goal. i.e. After ten years my savings would only have grown to $144,000 approximately, after twenty two years it would have grown to $500,000 approximately but taken only another eight years to reach my goal of $1,000,000. The last eight years my investments would grow more than the first twenty two years!

For me reaching this goal was achieved by the daily effort and my weekly savings commitment, not by some magic success formula, new miracle product. It also ensured that I maintained balance across my life so that I didn’t burn out.

Every big success is made up of little successes, each building on the previous and compounding over time.

Formula for Life

“Our Choices (decisions) + Behaviour (action) + Habit (repeated action) + Compound Effect (Time) = Goals.” 

  • Choices

Most people float through life making decisions on the fly, with little if any thought, only to find themselves wondering why they aren’t happy, healthy, or as successful.

To improve life; make better choices. This is simple but not easy. Making good decisions by fully considering the pros and cons and they alignment to your core values.

One of my all-time favourite quotes by Jim Rohn is “Success comes from making a series of good decisions over time while failure comes from making a series of poor decisions over time.”

  • Behaviour

We spiral upward or downwards it’s a simple matter of our behaviour.

If we say we are a dedicated professionals, but we show up late and unprepared, our behaviour rats us out every time. The compound effect takes us in a downward spiral.

Showing up early, being prepared on a consistent basis is an indicator to others of reliability, which can open doors of opportunity and a spiral us upwards.

  • Habits

Our habit’s move us toward or away from our goals

Regular routines and rituals action become our habits over time. Their effect compounding over time influencing our outcomes. If our habits are good they take us down one path.  If they are bad or destructive, they take us down a completely different path.

“Watch your thoughts; They become words. Watch your words; They become deeds. Watch your deeds; They become habits. Watch your habits; They become character. Character is everything”. Ralph Emerson

  • The Compound Effect

The question I ask myself constantly is “Is the immediate gratification of now greater than the long term pain of not achieving what’s truly important to me?”

Success is earned in the moment to moment decisions that in themselves make no visible difference whatsoever, but the accumulated compounding effect is profound.

The Path Upward

Know where you are, know where you want to get to and have a plan to get there. For me this required me to do the following

  1. Reflect and write down “What’s important to you?”
  2. Write down my goals, evidence I needed that I have achieved my goal, a time frame to achieve my goal within and how I would feel when I achieved my goal. SMARTadvice
  3. Benchmark where you are today in relation to your goals.
  4. Create a list of actions you are going to do to begin bridging the gap between where I am are and where I have to be.
  5. Find someone who will hold me accountable to doing the work,
  6. Do the work!

To achieve something you have never achieved before, you must be willing to do what you have never done before.

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

This information is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Infocus Securities Australia Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances.

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You don't need money to make money and money doesn't buy you more time however you can increase your chances of having both, by simply making better choices.

To do this consider avoiding tolls, staying healthy, eating well, travelling more, owning less, working to live, educating ourselves more and adding value to others!

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

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The Weekend is upon us and this means “the markets are coming!”

Tropical Fruit. Mango’s Lychee’s, Custard Apple’s, Coconut’s, Dragon Fruit, Jack Fruit and much, much, more.

The second best part about the markets is interacting with the stall owners and growers.

Since moving up to Cairns I better appreciate the quality of interaction is of greater value than the transaction itself.

The revelation? Lower costs, greater opportunities, better relationships, less stress, increased profits and an improved quality of life.

Convenience is good, however relationships are better.

Comparing the pair/pear :)

Before moving to Cairns I would drive my car to the shopping centre.Shop in a sterile feeling supermarket. Select my fruit and vegetables from a pre-selected limited range of choices (most probably assessed by a MBA hired by the supermarket for most popular- to maximise their profits) i.e. apples, bananas, oranges, and strawberries, all conveniently pre packed for convenience.

During this experience I didn’t often talk with anyone except for asking them to move out of the way, or be asked to move aside. My bill often was in excess of $50 for the week (just for fruit and veg), and require at least 2 ½ hrs of my time in addition to frustration and decreased quality of life.

Today I go to the market either walking or I ride my bike. The markets are open air and each stall has their own personality and speciality.

I go to Banana Joe’s stall (as I like to call him- he has a long white beard and digger’s hat) for my bananas. Talking with him he always throws in a couple of extra bananas for me.

Then I go to Mariko and Paul’s stall for my Pawpaw, sweet potato and capsicums.I then meander around other stalls chatting, tasting the various produce and buying what I need and is in season, often these are mangos, avocados, lychees etc..

These days I often have change from $30 and I’m done shopping in less than an hour. The experience is so great I actually look forward to shopping each week!

Casting this appreciate wider I am now beginning to see the lure of convenience may in fact have been impeding my happiness and the happiness of many of us. Think Social Media, Television, Easy Meals, Online Shopping, Streaming Movies etc. and the impact it is having increasing or decreasing our quality of life in the pursuit of our happiness.

Today in this busy world, I’m still an advocate for convenience however I am becoming better at identify the activities that add to my happiness rather than diminish it.

Here are some tips I apply to my own life:

  • Automate activities to save time and fill this time doing activities you receive a direct benefit from i.e. exercise, prayer & mediation, relationship building and new experiences.
  • Invest support and be involved in local community.
  • Physically invest time in relationships.
  • Satisfaction occurs on three levels. Having a good life. Having a good day and having an increase of our endorphins.
  • Listen more and ask great questions i.e. let others do 90% of the talking
  • Eat before shopping.
  • Exercise more and be more engaged with nature. Mountain bike, nature walks, snorkelling, etc.
  • Live your values.

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

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     Tropical Beach? Check

     Hammock? Check

     Chilled fresh coconut? Check

     Sunnies? Check

     Island tunes? Check

What does your ideal life look like? What are you doing? Who are you with? Where are you? How are you feeling?

A short time ago I was my own worst boss.

You know the one who is constantly on your back, 24/7 watching you, criticizing you and measuring you. The type of boss that nothing is ever good enough for and when it is; well that's to be expected. Now get back to work!

I was once told to achieve and move forward “the pain of moving forward must be less than the pain of standing still”.

The message I heard was “always be in pain”. I talked this way to myself for over a decade.

Regularly I would wake at 2 am in a cold sweat, fearing about business, my clients, bills, staff, expetations, procedures and more. I worried a lot and all the time. I put on weight, I lost weight, lost interest in everything and became excruciatingly cynical.

Then I chose stand up to myself and my inner bully boss saying "No more! This is hurting me not helping me".

Life is more than money. Money is important but only to the extent that it allows us to enjoy what is important to us.

Where had it all gotten so wrong?

Looking back I remember embracing financial planning (seventeen years ago) because I got to learn about money, help others achieve what’s important to them, and doing so, I could also achieve what was important to me.

Today the same passion to learn, help and live an ideal life still burns within in me; however for a long time I was immensely unhappy because I had bought into the belief (promoted by the industry and media) that my only value was to make clients money and that this was more important than helping them achieve their goals and the things more important to them in life than money. i.e. living an ideal life without financial concern.

To move forward I had to revisit, reassess and document my own values. I had to reconsider my goals and personal milestones and benchmark once more where I was in relation to where I wanted to be. Just like I facilitate with my clients today.

The result? Happiness. Confidence. Peace. Certainty. Empowerment. Inspiration and Clarity.

It’s important to note that these results didn’t just happen simply because I had documented my values, goals and benchmarked them.

Achieving these results required my total commitment to a plan of action, accountability, implementation and activities across all areas of my life, including my relationships, health, spirit, career, finances and new experiences.

Surprising, even to me, when re-aligning my choices to my core values, long standing milestones quickly came within reach and others that I thought were important became less so.

Making choices aligned to my values has enabled me to make better decisions, in less time and with greater confidence. This has also lead me onto experiencing greater peace, enriched experiences, deeper relationships and much more.

Aligning choices to our values is simple but not easy.

Chosing to do so requires 100% commitment, honest conversations with ourselves and those important to us, turning off from low value distractions and patience, however when we begin and are on the path of mastery, the ultimate reward is not a gold medal but the path itself.

Here are some tips I apply to my own life:

  1. Consistency beats perfection.
  2. Enjoy what you do.
  3. It’s not what you have, it’s what you do with it.
  4. Know where you’re going and why it’s important to you.
  5. Trust is a combination of both character and competence.
  6. Investing in oneself is the best investment one can ever make.
  7. Life is not a dress rehearsal.
  8. When your values are clear your decisions are easy!

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

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 We meet again my old friend! It’s has been twenty eight years since we last greeted each other. I am here not to compete with you or anyone else, I’m here only to enjoy the experience and improve myself.

5.30am my toes gripping the ledge of the swimming pool as I roll forward and dive into the water.

These days my pool maybe surrounded by coconut palms, the water a comfortable twenty five degrees and the private competition pool less than fifty meters walk away from my home, however I still need to make a conscious decision to get in and swim!

Be it diving into a pool half asleep at 5.30am or wanting to achieve anything important to me in life. After committing myself I have always experienced an initial shock, then awareness and the reality of my decision followed by my acceptance and then simply getting on with the job or task at hand.

Regardless of how many books I read or courses I complete, for me success has required full immersion, simply doing the work and improving my technique and strengths along the way. Just like learning to swim; to become confident and competent required me to step out of my comfort zone and into the pool.

The danger is that success (earned or not) is highly euphoric as it releases natural dopamine’s within you. The quest for this natural high can become all-consuming if gone unchecked.

An even greater risk to us is when the expectations of success are not realised. Increasing our risk of depression and/or seeking external gratifications in order to self-validate. I have experienced both in and out of the pool.

Swimming has taught me a lot about myself and life. And while we love to test ourselves against others and everyone loves a winner; the real winner is the individual participant.

Why? Because simply committing and following through on our own personal expectations is self-empowering i.e. getting out of a warm comfortable bed and into a cold wet pool is character building.

Appreciating that while others may be more naturally gifted, have the newest equipment or simply be better, in most cases everyone can enjoy the experience of self-improvement i.e. learning to swim.

Doing the work is both meditative and a proven path for improvement. Most advances in life often happen after a long plateau.

And finally as with anything in life, to be your best you need to be committed and have committed people around you. Both those who love you and those you pay to help you improve. Accountability is the motivation to action.

Here’s some Tips I apply in my own life:

  • Be good to those who support you. If not success would be even harder than it already is.
  • If not now, when? Followed by Do or Do Not. There is no Try (Yoda-Star Wars).
  • Commit to personal expectations that impress you vs. expectations to impress others or by others.
  • Remain committed to your passions and values. Doing so provides greater clarity, commitment and heightens the chance of success.
  • Money is a motivator. Paying a coach motivates you to turn up, implement advice and do the work to improve.
  • The past is dry cement. Don’t let success get to your head and let go of your failures.
  • Be happy with the plateau, knowing that doing the work (as opposed to not doing the work) brings you closer to a spike in improvement.

Whatever you want to be, become, or achieve in life, at some point you are going to have to get in the pool. I encourage you to ask yourself, “If not now, then when?”

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

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Rules, expectations, opinions, comparisons, structure, attitude blah, blah, blah… Oh! How my head aches just thinking and reading these words.

When did my life become so rigid and predictable? When did I attract and start surrounding myself with dream stealers, sarcastic, fake and cynical, people with no self-esteem, whom in order to feel good themselves find fault with others? When did I become just like them?

My world had become dark, very dark and I questioned myself daily. Then I read the following quote

“Watch your thoughts. They become words. Watch your words. They become deeds. Watch your deeds. They become habits. Watch your habits. They become character. Character is everything”.

I also remembered a TV ad when I was a kid.

“The fish that John West rejects, is what makes John West the best!”

I had to make a choice. Not to run or escape but to rise above my misery and find my own clean air. I had to mature and become more accountable to myself.

Cheesy as it sounds I wrote a letter to my younger self. The message summary… “You have one life to live so ensure you live it with no regrets”.

I chose to mix it up, whist still doing what I love i.e. helping others, learning about money, travelling, personal and spiritual growth, outdoor sports, food and wine. More importantly I chose to act on my decision. And while I’m still a work in progress I many would say I now live in paradise i.e. Cairns

The career I love i.e. financial planning is already full of rules and expectations, so as an experiment I tried having no expectations in all other areas of my life. WOW!!!! Please try this experiment for yourself.

When I consciously placed no expectations on myself, by my surprise I did more, I enjoyed more, I became healthier, I needed less, I was authentically interested in others more and I became more grateful. Most importantly experiences became more valuable to me, than things.

Living with less expectations has made me happier and at the same time attracted other like-minded, generous and happy people into my world. Instead of darkness I am starting to see colour. I am more energised, more at peace and fulfilled.

Decide today to live life without expectations. Do it for your future self.

Here’s some Tips I apply in my own life

  • I choose to be grateful every day and throughout my day.
  • I act, on my choices and decisions. Motion begets more motion
  • I constantly seek new experiences and adventures.
  • I take my career seriously but not myself seriously.
  • If I have a negative opinion, I tell myself “It’s ok to have an opinion and not share it” and then I keep quiet.
  • The past is dry cement and I can’t change it, however I can define my future by the choices today.
  • I let go of what I can’t control and I focus on what I can.
  • When I am with others I am no place else.
  • I invest time in myself.

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

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