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Getting Some Perspective On Your Avoidance Habits
By Rick Hoogendoorn


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Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! Greer & Taylor LLP a respected and trusted accountancy service provider has just launched a new website The Taxation People which can be found at www.thetaxationpeople.com the new online tax refund service is dedicated to getting the maximum legal tax refunds for indviduals whatever the circumstances on a `No Win No Fee` basis The Taxation People offer a online service, with a simple and easy to follow process that will guide you along the way as you get the refund you are entitled to. In the `my account` section of their site you can track the progress of your refund application and ask questions using a secure service. I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the The Taxation People who will get you the Tax Refund you are entitled to. Greer & Taylor LLP will be following up the success of their Tax Refund service The Taxation People by launching a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.

Unsecured Loans
Another large garage bill makes you wonder if it`s really worth spending any more money on the car. It has reached the time in its life when it`s started to cost you in upkeep and a newer model might prove to be less bothersome. With no savings to speak of you might be considering one of the Unsecured Loans that a price comparison site has pinpointed for your needs. You looked at the Unsecured Loans a few months ago but haven`t done anything about it since. Using the website that searches for low cost loans is easy as you simply enter the loan amount that you are interested in, the time period that you need it for and the purpose of the loan. The company will also need your employment status and some information about you. An initial assessment will take place for the best quote available and once the loan comparison site has found the best quote, they`ll be in touch with you. Think about the type of car that you could get with one of the Unsecured Loans and how much cheaper it would be to run. You could even combine a few of your other smaller loans into the new one to cut down on your monthly outgoings.


It is quite natural for human beings to avoid discomfort. Our brains are wired that way. Without thinking about it, we`ll rush in from the cold. Of course! Without really thinking about it, we`ll steer clear of somebody we don`t particularly like. Of course! Without thinking about it, we`ll bypass the ________ section of the buffet table. Of course! It`s the SPINACH section!

And without really thinking much about it, we`ll often avoid entire aspects of our financial lives. Over the years I have met many people who clearly want financial freedom but, at the same time, don`t want anything to do with money! And so it becomes important for them to see how it was they have been avoiding money in their lives. At least it becomes important if they really want `financial freedom`.

Do you avoid thinking or dealing with any of the following things related to money? (If you stop reading this article now, that might be a clue!)

  • your financial situation generally (where you`re at.)

  • your investments

  • your cash flow (month to month money management)

  • your debt

  • your estate planning (insurance situation)

  • your tax situation

  • your spending

  • your financial situation as it pertains to your spouse

If you`re avoiding any of these areas, it`s probably because the thought of them makes you uncomfortable in some way. Unfortunately, avoidance doesn`t make it `go away`. In fact, avoidance often makes things much worse, so all you`re doing is placing a larger burden on `your future self`.

Scientists, somewhere, ought to be working on a way to place future burdens on `some other person` rather than our future selves. (No word on that yet, unfortunately). What we avoid today still tends to pop up later in life. If we aren`t paying attention to our finances, it will show in the future. If we`re racking up debt today, it will come home to roost in the future. If we`re not doing proper estate planning, somebody is going to get it in the nose in the future. These things don`t go away because we`re pre-occupied with our shoe laces.

But what a difference a little attention makes! To be on the other side of the avoided issue, knowing it has been taken care of. Knowing we`re now steadily increasing our net worth instead of going in the hole. Knowing our family is taken care of if we die. Knowing we`ll open a gift of savings in the future, not a gift of debt. Knowing it REALLY wasn`t all that scary once we turned our attention to it and dealt with it face on.

The first step to managing the financial issues we`re avoiding, though, is to know what it is we`re avoiding. The `why` doesn`t matter that much. It`s because it is uncomfortable. Well, so what! That discomfort will be temporary, and on the other side of it is a REAL comfort zone. The REAL comfort zone of knowing things have been dealt with, rather than the FANTASY comfort zone constructed by avoidance and denial.

It is a great feeling to know it is REALLY taken care of.

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