Cliche but true, you are what you eat, your thoughts dictate your reality and your daily habits define you.
The human body is a sophisticated bit of machinery in its ability to convert food into energy, fat and or waste so you don't become a banana after eating a banana. But as all of us know too well, the image staring back at us in the mirror is a frank reflection of consumption and exercise habits entrenched over time. 
Money isn't that much different.
Whether you're skinny, fat or somewhere in between, your PBMI (personal bank mass index) can't be blamed on bad genes only your accumulated patterns of behaviour.
The mistake so many people make when it comes to money is thinking that it is something foreign and separate from who they are and what they do.  
"I'm bad with money." "I don't get money." "I don't know where I go wrong."  I've heard all the excuses and what unites them tends to be a deflection of personal responsibility.
Money is closer than you think. It is an extension of you; all of you. Your thoughts, your behaviours and daily habits.
It's a scary realisation for some because they're forced to accept that they are personally responsible for their actions. Yes there are some occasions in life when you lose your wallet, you're robbed or make a bad investment decision because you didn't have all the information at your fingertips. But even then, we usually have some part to play in what led us there in the first place.
A more constructive approach to the realisation that you and only you are responsible for your financial health, is that you have the opportunity to do things differently and to effect better outcomes.
It starts with reflection. An examination of where you are now in time, and how you got to be there, and what resources you have to make improvements or changes.
No matter where you find yourself, there is always space and opportunity for improvement. Progress is seldom lightening speed. It starts with motivating goals and aspirations that are executed with slow, progressive, measured steps. No radical crash course diets, rather a gentle introduction of the financial equivalent of fruits and veggies. They may include things like:

• automated savings (if you don't already have them),
• higher contribution rates to your retirement savings,
• accelerated debt reduction plans,
•  reduced consumer spending.  

A combination of these well executed and the resulting confidence will get your PBMI to a healthy level.
Traps to avoid inlcude:

•  a reversion to old (bad) habits,
• self-sabotaging thoughts,
• over spending,  
• under-saving 
• general mindlessness when it comes to your connection to and control over your money. 

If you want to transform your financial life, you can't do it in isolation from the rest of it. 
All that you are, everything that you do, will either work for or against it, depending on your perception AND execution. 
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In the Hindu religion, there are approximately 33 million Gods. They come in many forms including flowers, insects, animals and larger than life characters with the power to destroy and create.
I can't say I'm familiar with even a fraction of them but one which has a prominent place on my wall, and in my life is Ganesh; the great remover of obstacles.
In the Hindu pantheon, Ganesha is the elephant-headed son of Shiva, one of the three most important deities along with his consort, the goddess Parvati. Known as the remover of obstacles, Ganesh is considered a bestower of good fortune, prosperity, and health. If you've been to Bali or India, you'll be familiar with Ganesh. 
You can read more about this enchanting god and his story at chopra.com here.
In the context of achieving our goals, Ganesh has much to teach us. 
While we may wish for this great God to emerge from the heavens and erase all the things we believe to stand in the way of what we desire, Ganesh is only as powerful as you'll allow.  Why?
Because obtaining those things requires an act of mortal intervention as much as as Act of God. 
At a very human level, it is the doors of perception that stand in the way of us achieving our goals. The key to unlocking those doors is gaining insight into our deeply engrained or else habitual patterns of thought that prevent possibility and importantly action.
If invoking Ganesh through recitation of his mantra, is the antidote to unhelpful thoughts and patterns, great.  Faith will go a long way in this regard. But for the more skeptical, over thinkers among us, having a conscious understanding, awareness and acceptance of those mental traps, is what will ultimately free us and subsequently unlock some of those doors.
Yes in some cases there are literally external obstacles that lie in our path; finances, opportunity, competition, distance, however they tend to be logistics.
The greater barriers to success tend to be the mental ones including fear, denial, self-sabotating thoughts, unconscious patterns of thinking and behaviours that are simply conducive to achieving your goals. Effectively, this mental psycho-drama just clouds your vision. Like a dirty window, our mind needs clearing.
Exercise, yoga, meditation, nature, honest conversations with friends and mentors, are all good solvents in this regard. They help to clear the clutter and shine a light on our blind spots.
Ganesh is a bit like window cleaner I suppose; he's an agent of removal.
But as any good window washer will know, clarity isn't achieved without the expenditure of actual effort to wipe away the grime.
It's natural to wish for short-cuts and magic to bulldoze those external and internal roadblocks.
If Ganesh's superpower is just that, then he's a god worth worshipping. 
"Om Gam Ganapataye Namaha" 
Recite it 20 times, then go for a run, walk or yoga class and ask yourself some hard questions about what's really stopping you from achieving what you want. 
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There’s a reoccurring theme running through my life that goes something like this:  “let go.”  Go with the flow  might be another way of stating it.
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I hear myself uttering the words whilst teaching yoga, I repeat them to myself silently when I feel myself stiffening with stress or disappointment at something not going the way I’d planned and observe the process in nature  and watch with wonder and envy at the ease of flow in its purest state.

​​A great quote came my way yesterday by spiritualist/writer Byron Katie.

It’s a reassuring thought amid the uncertainty and confusion of life and during those times when we are plagued with the whys, and whens and hows and grating impatience at things not happening in the time frame that we want or expect.

Last week I wrote about overcoming self limiting thinking and self-doubt. I think that mountain is possibly more challenging than Everest. Mental mind traps are the greatest obstacles to success. It’s not lack of money, or shortage of time, or x, y, z that holds most of us back. It’s fear standing in the way of you realising your full potential, and your dreams.
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I’m still climbing that mountain and here’s the depressing news: Unless you are fully enlightened (and not many are) that journey never ends. You either give up and give into the herd mentality and behaviour or you keep climbing, deflecting those toxic thoughts as soon as they come your way. It gets easier and easier to defeat them when your awareness of them grows.

My BF has a lot of original ideas. He’s one of those idea junkies. He also has a lot of one-liners that he enjoys tossing around; some good, some bad but they still evoke a smile or at the very least a smirk.
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One that I never tire of hearing even though I hear it a lot is “No ask, no get.” We haven’t known each other too long but I assume he’s asked a lot over the years, because he has always seems to get his way. Not only does he have a lot of stuff but he always seems to rope people in doing stuff for him, usually free.

What makes some people better savers than others?

It’s a question experts have pondered long and hard about particularly in the face of the looming demographic problem of too many old people living longer and longer and too little Government savings to support them all in retirement.
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The solution that many OECD nations have adopted, including Canada, the U.K., Australia, Japan and the U.S., is to extend the age of eligibility for Government superannuation schemes, forcing people to work longer (and thus pay more taxes to feed pension funds) and to save more for themselves.

Okay, I’m the first to admit that fees on financial products is probably the least sexiest topic on the internet (except to advisors and fund managers maybe) but really it ought to be and I was reminded again why today in a conversation with a so called “wealth manager.”
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Let me just say firstly that I don’t blame the investing public for not taking more of an active interest in this area. I mean the industry is so rife with technical jargon and mumbo jumbo that it’s hard for a financial journalist to follow the plot on fees let alone someone who is just cutting their teeth on KiwiSaver.

In the financial media, it’s good sport to slag insurers. Let’s face it, they’re easy targets.

We pay, and we pay and we pay… and then when we make a claim, they tear it to pieces with loopholes and exemptions written in microprint on the back page of page 10 and we’re left high and dry, and still paying. Okay, yes there are exceptions and there were some happy stories to come out of Christchurch, although they were more like War and Peace length epics by the time the pay outs were made.
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So what am I on about this week and why?

​Last week at the dinner table my financial philosophy (see about me) was challenged by my two sons, ages 10 and 11.

I’m not sure how it came up but one of them (probably the eldest who aspires to be the next Donald Trump) said it was nonsense that money doesn’t make you happy. “Of course money makes you happier mum, look at all the stuff it can buy you and places you can visit when you have lots of it! You can’t do all that fun stuff when you’re poor.”

When I turned to son No.2 for backup, he took big brother’s position, which is rare. Given both are obsessed with super cars right now, I guess I shouldn’t be surprised. If they won the lottery tomorrow, and were old enough to drive, they’d rush out to buy their favourite racing cars and live happily ever after, so profound is their love for super cars. I had to concede the point. Yes, money can buy happiness but there’s a big BUT to follow. They won’t get it until they’re adults.