All posts by Susan

Blue Mountains Adventure: A Journey into Nature’s Grandeur

Just a short drive west of Sydney, the Blue Mountains in New South Wales offer a breathtaking escape into a world of dramatic landscapes, ancient eucalyptus forests, and deep valleys cloaked in a unique blue haze. My recent trip there was an unforgettable immersion in nature’s grandeur, a perfect antidote to city life.

The iconic Three Sisters rock formation, viewed from Echo Point, was naturally my first stop. Even photos don’t quite capture the sheer scale and mystical presence of these sandstone giants. As the sunlight shifted, the valleys below seemed to deepen, and the characteristic blue tint, caused by the fine mist of oil from the eucalyptus trees, became incredibly vibrant. It’s a view that truly settles into your soul.

Beyond the famous lookout, the Blue Mountains National Park invites exploration. I embarked on a few of the many walking trails, each offering a different perspective of the majestic scenery. One particular highlight was the walk down into the Jamison Valley, past stunning waterfalls like Katoomba Falls and Wentworth Falls, whose cascades tumbled over ancient rock faces. The air grew cooler and fresher with every step, filled with the earthy scent of the forest and the distant call of native birds.

The sense of peace and timelessness in the ancient rainforests was profound. Towering trees, some centuries old, created a natural canopy, and the intricate patterns of ferns and mosses carpeted the forest floor. It was a reminder of the raw, untamed beauty that still exists in the world.

 

Exploring the charming mountain towns like Leura and Katoomba was also a delightful experience. Their quaint streets, filled with artisan shops, cozy cafes, and local galleries, offered a perfect contrast to the wildness of the natural park. I enjoyed a delicious coffee and sampled some local treats, soaking in the relaxed atmosphere. Sadly, over the years and since COVID times, many of the shops that I visited years ago no longer exist. COVID shutdown was too much for some the local businesses, and they simply shut shop. Some remained, and a few new ones have popped up, but I sensed a ‘sadness’ overall. There were still a lot of tourists around, especially foreigners, and that was good to see.

 

Our stay at the Fairmont Resort Blue Mountains truly enhanced the experience. Perched on the cusp of the Jamison Valley, this landmark hotel has its own rich history. It was originally built in 1986, marking it as the first major upscale hotel in the Blue Mountains region. Over the decades, it has evolved, undergoing a significant $10 million refurbishment in 2012 and joining Accor’s prestigious MGallery brand in 2011. While it faced some challenges in the mid-2000s, famously earning it the nickname “Blue Mountains’ Fawlty Towers” due to staffing issues, its acquisition by property magnate Jerry Schwartz paved the way for its return to prominence as a beloved retreat. It’s fascinating how places, much like the landscapes they inhabit, have their own stories of change and renewal.

 

The Blue Mountains are more than just a beautiful sight; they offer an experience that rejuvenates the spirit. The crisp mountain air, the awe-inspiring vistas, and the quiet reverence of the ancient forests left a lasting impression. It’s a place where you can truly disconnect, breathe deeply, and appreciate the magnificent artistry of nature. I’m already dreaming of my next visit to this extraordinary Australian gem.

Mud, Magic, and Majestic Giants: My Day at The Elephant Nature Park in Thailand

Look, let’s be real, I’m not exactly a spring chicken anymore. This 58-year-old chassis doesn’t bounce back from epic travel days like it used to. So, when I pack my bags, there’s gotta be a really good reason. Basically, if I’m trading comfy couch time for cramped plane seats and questionable train snacks, it better be worth it! And let me tell you, when I stumbled across the Elephant Nature Park in Thailand? Boom! Decision made. Suddenly, a trip from sunny Australia to Northern Thailand sounded like the best idea ever! Who cares about jet lag when you’re about to hang out with a bunch of adorable elephants? Let’s just say, my travel-weary self was ready to rumble for this one!”

The Elephant Nature Park (ENP) is an elephant rescue and rehabilitation centre in Northern Thailand, founded by renowned elephant rights advocate, Saengduean Chailert, or Lek as many people refer to call her.  ENP is the first ethical Elephant sanctuary of its kind established in Asia over 20 years ago and currently provides a caring home to many elephants from street begging, elephant riding and circus shows, where they often sustained both physical and psychological injuries. The park’s herds include blind, cripped, orphaned, and senior elephants who are now free to live a peaceful life in natural surroundings.

When I first arrived at the centre, I was amazed at how many tourists where around.  I mean, bus loads were pouring in, bags and bodies all merging into one area. We were a very well organised herd of humans and in most situation like this my claustrophobia would be kicking in, yet I felt very relaxed and unhurried.

Our guide, a passionate and knowledgeable local, began by sharing the heartbreaking stories of the elephants living at the park. Each one had a tale of hardship, abuse, and exploitation. It was a sobering reminder of the dark side of elephant tourism, but also a testament to the incredible work being done at Elephant Nature Park.

Now, they made it very clear from the get-go: the elephants run the show. If you’re out there in the field, and they (the elephants) decide to take a stroll in your direction, you move. And I mean move – not a leisurely shuffle, but a brisk, ‘my knees are protesting’ kind of pace. And you listen to those mahouts, those elephant handlers, like they’re giving you stock market tips. They know what they’re doing, believe me.

So, there I am, out in the field with a small group, including a couple of toddlers and their mother. Now, this woman, bless her heart, was absolutely fixated on getting ‘the perfect shot.’ She was so busy snapping pictures, she completely lost track of her baby in the pram.

Well, wouldn’t you know it, a curious baby elephant, probably thinking it was a new toy, decided to investigate. Before you could say ‘where the hell is my baby,’ the mahout and another quick-thinking soul snatched that pram and the wailing baby out of the way. I tell you, my heart skipped a beat.

The mother? Let’s just say she had a sudden, very dramatic ‘come to Jesus’ moment. It was a stark reminder that even with all the beauty and wonder around you, you can’t let your guard down, especially when you’re dealing with animals that weigh several tons. And, frankly, at my age, I’ve learned that ‘better safe than sorry’ is a mantra to live by. Especially when it involves a baby, a pram, and a curious pachyderm. You just never know what’s going to happen next, especially when you are out with elephants.

The highlight, without a doubt, was that early morning coffee. Oat milk, mind you, and the entire café and restaurant strictly vegan – a welcome touch, and the meals were truly outstanding. I sat on that high balcony, sipping my coffee, watching the elephants roam freely across the expansive landscape. I saw an old elephant, her mahout by her side, being tended to by a team of veterinarians. The gentle, patient care they showed and the way the mahout worked to distract her from any discomfort, it was a testament to the profound compassion that exists.

Those few early hours on the balcony became a time for deep reflection. I found myself contemplating the inherent paradox of humanity. How can we be capable of such incredible kindness and generosity, yet also inflict such cruelty and destruction? It’s a conundrum that’s followed me throughout my life. My own philosophy, honed over these many years, is simple: if we, as humans, could transcend the corrosive forces of greed, gluttony, and the insatiable need for dominance, we could create a world where all creatures, elephants included, could truly live freely.

I had the good fortune to meet Lek, although I didn’t know it at the time.  She was working at the dog sanctuary and harnessing a crippled dog for me to walk with. oh, I forgot to mention they also have, in addition to elephants, rescued buffalo, boar, chickens, goats, cats, and dogs.  It wasn’t until a few days later, that I realised the lady I was talking to was Lek. She is an incredibly humble woman.

I spent two days and one night at the Sanctuary and just like that it was time to leave.

As I drove away, a quiet stillness settled over me. It wasn’t the kind of quiet that follows a busy day, but a deeper, more profound kind. I found myself reflecting on the weight of the stories I’d heard, the gentle power of the elephants I’d seen, and the sheer, undeniable beauty of a world where they were allowed to simply be. This wasn’t just another tick on a travel checklist; it was a shift in perspective, a reminder that the natural world, in all its magnificence, is also incredibly vulnerable.

At this stage of my life, I’ve seen my share of sights, but few have resonated as deeply as this. It’s easy to become jaded, to think you’ve seen it all. But standing among those gentle giants, watching them interact, feeling the weight of their history, it was a humbling experience. It served as a potent reminder that our actions, however small, have consequences. And that even in the face of hardship, resilience and healing are possible.

If you find yourself drawn to Thailand, and if you seek an experience that will touch your soul, not just your camera lens, then I wholeheartedly recommend Elephant Nature Park. It’s not just a visit; it’s a journey. And it’s a journey that, I suspect, will continue to unfold in my thoughts long after the dust of Thailand has settled.

Tips for your visit:

  • Book in advance, as the park fills up quickly.
  • Wear comfortable clothes and shoes that you don’t mind getting muddy.
  • Bring sunscreen, a hat, and insect repellent.
  • Be prepared for a long day, but it’s worth it!
  • Take many photos but remember to be present in the moment.
  • Most importantly, be respectful of the elephants and their home.

 

Flood Update:

The recent severe flooding at Elephant Nature Park in Chiang Mai, Thailand on the 3rd October 2024, caused significant distress and required a massive evacuation effort. Reports from sources like the Bangkok Post detailed how torrential monsoon rains led to rapid water level rises, submerging large portions of the sanctuary. This resulted in the tragic loss of two elephants and caused the rescue of numerous other animals. The sheer scale of the event, and the difficulties faced during the rescue are well documented in articles from sources such as the Straits Times, which gave detailed accounts of the rescue operations. These events highlight the increasing challenges faced by animal sanctuaries due to extreme weather patterns. You can find more details on the following websites:

These sources offer valuable insights into the challenges faced by Elephant Nature Park and the remarkable efforts made to protect its animals.”

Manifest Your Dreams

Manifest Your Dreams: Esoteric vs. Practical Approaches

Have you ever dreamt of a life filled with abundance, success, and happiness? We all have! But how do we bridge the gap between dreams and reality? Two popular schools of thought emerge: manifestation and the power of hard work and savings.

The Esoteric Path: Aligning Your Energy

Esoteric teachings believe we are energetic beings connected to a universal flow. Through practices like visualisation, affirmations, and aligning your desires with the greater good, you can supposedly influence this flow and attract your goals.

Key Ideas:

  • Like attracts like: Positive thoughts and visualizations attract positive outcomes.
  • The power of intention: A clear and unwavering desire fuels manifestation.
  • Alignment: Ensuring your goals resonate with the universe’s energy.

 

Practices:

  • Vision boards: Create a collage of your desires to keep them in your focus.
  • Gratitude journaling: Expressing thankfulness for what you have attracts more abundance.
  • Meditation: Quieting the mind allows you to connect with the universal flow.

 

The Practical Path: Building a Secure Future

Those who believe in hard work and savings emphasize the importance of concrete steps. Through dedication, planning, and responsible financial management, you build the foundation for your dreams.

Key Ideas:

  • Effort matters: Goals are achieved through consistent work and strategic planning.
  • Financial literacy: Budgeting, saving, and smart investments pave the way for security.
  • Delayed gratification: Sacrifices now lead to a brighter future.

 

Practices:

  • Goal setting: Define clear, measurable goals and create action plans to achieve them.
  • Budgeting: Track your income and expenses to make informed financial decisions.
  • Investing: Grow your wealth through calculated investments based on your risk tolerance.

 

Finding Your Balance

The truth may lie somewhere in the middle. While hard work and financial planning are crucial, a positive mindset and unwavering belief in your ability to achieve can be powerful motivators.

Here are some ways to create your personal approach:

  • Acknowledge your beliefs: Do you resonate more with the esoteric or practical perspective?
  • Embrace both: Combine positive visualization with goal setting and action plans.
  • Focus on the journey: Enjoy the process of working towards your dreams, not just the end goal.

Remember, manifestation isn’t about instant gratification; it’s about aligning your energy and taking inspired action.

For those that lean more to the esoteric way of life and are searching for practical tools to bring your dreams and vision to life then please join me on my Free Course:

Budgeting on the New Moon

The cost is only $1 and that goes to the Elephant Nature Park.

I have created a course for you to bring some practical tools to help you.

Budgeting 101: Easy Money Management with the 50/30/20 Rule and Meditation

Before considering starting a budget a few preparations are in order.

In my free course – Budgeting on the New Moon, I start with a meditation practice to clear your mind, settle your breath, soften your shoulders, and rest your tongue.

I hear you: “I don’t have time for all that esoteric nonsense”. Believe me when I say:  “meditating before you think about money is the greatest gift you can give yourself”.  

Come with me for just a few minutes and try it.  Money Meditation.

You’ve probably heard of the 50/30/20 rule popularised by Elizabeth Warren in her book “All Your Worth: The Ultimate Lifetime Money Plan.  It’s a mindful way to handle your money, but what exactly does it entail, and how can it transform your financial situation. 

Understanding the 50/30/20 Rule:

The 50/30/20 rule, also known as the “needs-wants-savings” approach, is a straightforward budgeting method that divides your income into three main categories: needs, wants, and savings. The basic breakdown suggests allocating 50% of your income to essential needs, 30% to discretionary wants, and 20% to savings or debt repayment.

Caveat:  It is important to note that I am not a complete convert to the 50/30/20 rule mainly due to the state of the Australian economic situation, interest rates and housing issues.  I know of many folks where the ratio is more 70/20/10 depending on their housing situation, addiction to general substances of smoking, alcohol and gambling and their overall wage increase to inflation.

Putting the 50/30/20 Rule into Practice:

Implementing the 50/30/20 is simple:

  1. Evaluate Your Income: Start by jotting down your regular income sources, including salaries and any additional earnings.
  1. Factor in Taxes: Most salary and wage earners have their taxes taken from their gross and are only left with the net wage.  Remember, if you are a sole practitioner in business you need to manage and save for your taxes and only draw the net value allocated to you. The Net income amount is what you base your budget on.
  1. Save and debt reduction 20%:  Debt reduction advice I will leave for another post but for now, prioritise savings by setting aside 20% of your net income and bank it immediately.  Even if you need to re-draw on it at a later stage, get into the habit of banking the 20% as this will build a habit. 
  1. Cover Your Needs (50%): Allocate half of your income to essential needs such as rent, mortgage payments, utilities, groceries, and minimum debt payments. These are expenses you can’t do without.
  1. Indulge in Wants (30%): Reserve 30% of your income for discretionary wants like dining out, entertainment, travel, and non-essential purchases. These are the things that enhance your lifestyle but aren’t vital for survival.

By sticking to this breakdown, you’ll ensure that you’re covering your necessities, enjoying life’s little luxuries, and building a safety net for the future—all within your means.

Paying Yourself First:

An integral part of the 50/30/20 rule is the concept of “paying yourself first.” This involves prioritising savings by setting aside a portion of your income before spending on anything else. By making saving a non-negotiable part of your budget, you’ll cultivate healthy financial habits and work towards achieving your long-term goals.

Does the 50/30/20 Rule Deliver Results?

Whether you’re a student managing a tight budget or a seasoned professional aiming for financial freedom, the 50/30/20 rule is a practical and effective way to manage your money. It provides a clear framework for budgeting and empowers you to take control of your financial future.

Is the 50/30/20 Rule Realistic?

Yes, the 50/30/20 rule is realistic and adaptable to various financial situations. While you may need to adjust the rule to fit your lifestyle and priorities, the core principles of saving, spending, and prioritising remain the same. It’s a flexible guideline that can be tailored to suit your individual circumstances and goals.

Exploring Other Budgeting Methods:

If the 50/30/20 rule doesn’t resonate with you, don’t worry—there are plenty of other budgeting methods to explore. From the 40/30/20/10 rule to the 75/15/10 rule, there’s a budgeting approach for every financial objective and lifestyle preference. Experiment with different methods until you find the one that works best for you.

Beyond the basics:

Automate savings and debt payments to “set it and forget it.”

Remember, the most important thing is to find a budgeting system that works for you and helps you achieve your financial goals.

The Heartbeat of Balance

Nature is your sanctuary. It grounds you, inspires you, and reminds you of life’s constant flow. Just like nurturing plants, you love to learn and grow in those areas of your life that have been unkept, unloved and hidden.

You want to discover your relationship with money.

Knowledge is power, especially when it comes to your finances. Understanding numbers shouldn’t be scary. It’s about taking control, making informed decisions, and building a secure future.

But beyond numbers, you seek balance. Each morning, you find solace in meditation, letting go of anxieties and creating space for clarity and joy.

Meditation allows you to release what no longer serves you. It clears your mind, opens your heart, and helps you connect with the rhythm of life.

This rhythm echoes in everything you do.  From brewing fragrant teas, gardening even if it’s as simple as a few potted plants on your window ledge.  You love sharing laughter with friends under the open sky, you savour the simple pleasures of life.

You know it’s not about having everything. It’s about appreciating the little things, finding beauty in the everyday, and nurturing the connections that truly matter.

In a world often chasing external validation, you find peace in tending to your inner garden. Through nature, numbers, and mindfulness, you weave a tapestry of balance, inspiring others to stay calm, stay in peace and stay grounded.

In a world where you can be anything, be kind and at peace.

You are INVITED.

A budgeting course like no other.  It costs just $1 and this is donated to the Elephant Nature Park in Thailand. Course preview.

Do the course – Help the Elephants

Why I am charging $1 for my Free Course

For just a dollar, you’ll unlock practical budgeting tools, moon rituals for prosperity, and the satisfaction of knowing you’re contributing to a future where elephants thrive.

Imagine gentle giants trumpeting in gratitude, their trunks swaying in the lush Thai jungle. That’s the sound of hope, the music of a future where these magnificent creatures are safe and cherished. Elephant Nature Park (ENP)  is an elephant rescue and rehabilitation centre in Northern Thailand, founded by renowned elephant rights advocate Saengduean Chailert (known by her nickname, Lek). It is the first elephant sanctuary of its kind established in Asia and currently providing a caring home to over 100 elephants.  Many of the elephants living in the sanctuary of the Elephant Nature Park have been rescued by Save Elephant Foundation from street begging, elephant riding and circus shows where they often sustain both physical and psychological injuries.  The park’s herds are blind, elderly, crippled, or orphaned. These beautiful giants are now free to live peaceful lives in natural surroundings, where they’re loved and respected.

Remember, even a small action can create a ripple effect of positive change.

If you would like to donate more please head over to their website and donate directly.

Budgeting on the New Moon

Why You Need a Budget

Budgeters are twice as likely to report no financial worries, compared with spenders.

If you’ve read any personal finance advice, you know there’s one simple rule that comes up time and again: You need a budget.

A budget is a roadmap for where your money will go so you can make your hard-earned income work for you. Budgets assign your money a job and show spending limits for specific expenditures so you can use your money responsibly.

Creating a personalised budget is essential to developing the right spending habits, setting aside money for the long term, and ensuring the money in your bank account goes where it needs to. But how do you make a budget?

Getting started with your first budget may seem complicated, but this Budgeting Course will walk you through every step in the process. You’ll learn how to budget, how to avoid common budgeting mistakes, and how to ensure your budget is one you can stick to.

Jump in, get started, and design a budget you can live on in no time.

https://www.susanhart.com.au/courses/budgeting-on-the-new-moon/

There’s no one-size-fits-all answer to paying off debt quickly, as the best approach depends on your specific situation and financial goals. However, here are some effective strategies you can consider:

  1. Understand Your Debt:
  • List all your debts: Include the balances, interest rates, minimum payments, and due dates for each debt.
  • Calculate your total debt: This gives you a clear picture of the mountain you’re tackling.
  • Prioritize your debts: Choose a repayment method, like the Avalanche (highest interest first) or Snowball (smallest balance first).
  1. Increase Your Income:
  • Look for extra income sources: Take on a side hustle, sell unused items, or freelance your skills.
  • Negotiate a raise at your current job: Highlight your achievements and market value.
  • Reduce unnecessary expenses: Analyse your spending habits and cut back on non-essentials.
  1. Attack Your Debt:
  • Pay more than the minimums: Even small extra payments can significantly reduce interest and shorten your payoff timeline.
  • Consider debt consolidation: This can simplify your payments and potentially lower your interest rate.
  • Explore balance transfer cards: Transfer high-interest debt to a card with a 0% intro APR period to save money.
  1. Stay Motivated:
  • Track your progress: Celebrate milestones and visualize your debt-free future.
  • Find an accountability partner: Share your goals and progress with a supportive friend or family member.
  • Reward yourself: Set small rewards for achieving milestones to keep yourself on track.

Why Start a Budget and Review on a New Moon

There are several reasons why people choose to start something new on a new moon:

  1. Symbolic Fresh Start:

The new moon marks the beginning of the lunar cycle, a time of darkness and emptiness. It’s seen as a blank slate, a clean canvas, symbolizing new beginnings and fresh starts. Starting something new during this phase feels like planting a seed in fertile soil, ready for growth and possibility.

  1. Connection to Natural Rhythms:

Many cultures and traditions view the moon as a powerful celestial body influencing our emotions, energy levels, and even luck. Aligning oneself with the new moon’s energy is seen to tap into a flow of renewal and receptivity, enhancing the chances of success in new endeavours.

  1. Manifestation and Intention Setting:

The new moon’s darkness is often associated with introspection and setting intentions. It’s believed to be a powerful time to focus on your desires, visualize your goals, and plant the seeds of what you want to manifest in the coming lunar cycle. Starting something new during this phase feels like imbuing it with your focused intentions, increasing the chances of it blossoming into fruition.

  1. Reduced External Influences:

The darkness of the new moon coincides with less moonlight, creating a quieter, more introspective atmosphere. This can be helpful for focusing on yourself, your goals, and the first steps of your new project without distractions or external influences.

  1. Cultural and Spiritual Beliefs:

Many cultures around the world hold specific beliefs and rituals associated with the new moon. Some see it as a time for cleansing and releasing negativity, while others view it as a powerful time for attracting abundance and prosperity. Starting something new during this phase can be a way to connect with these cultural and spiritual traditions, seeking their guidance and blessings.

The reasons people choose to start something new on a new moon are varied and personal. Whether it’s driven by symbolism, a connection to natural rhythms, a belief in manifestation, or simply a preference for a quieter, more introspective atmosphere, the key is the intention and focus that comes with aligning oneself with this powerful phase of the lunar cycle.

Additional Tips:

  • Avoid taking on new debt: This will only prolong your journey to becoming debt-free.
  • Seek professional help: If you’re struggling to manage your debt, consider consulting a financial advisor or credit counsellor.
  • Remember, paying off debt is a marathon, not a sprint. Be patient, consistent, and celebrate your victories along the way. You can do this!

Wishing you all the best on your successful budgeting journey

Love Susan x