Building Your Brick House – Part II | NALA
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Building Your Brick House – Part II



  1. Calm Down.
  2. Listen and work only with facts
  3. Limit your intake of information – this is critical. When you feel the fear kick in … pull away.
  4. Manage your attitude – this is a choice.
  5. Do not cave to fear – this is a choice.
  6. Do not make decisions in a state of fear or Panic – not at all – not even a decision about what to eat. If you’re in a state of fear or panic return to point 1 or talk to someone who can help you (FYI Charlotte here – I’m currently offering free sessions with people who are feeling this way so please don’t hesitate to reach out if you’re in this state).
  7. Control what you can control (more on this later)
  8. Control your emotions and actions (which are part of Point 7).
  9. Get Determined.
  10. Be Kind
  11. Be Generous
  12. Be free of judgement
  13. If you haven’t got one already – start a budget/money allocation plan – more on this below.



The world is not crashing. Everything is going to be okay. There will be financial implications because of the impact to several industries (not all) … but in time things will be moving again.



  1. Hope is greater than fear – but it is a choice
  2. Fear and Panic WILL impact on your capacity for perspective and your ability to make wise decisions.
  3. Extend grace where you can – everyone is dealing with stuff right now and we don’t know what that is. They may handle this very differently from you (I’m sure you’ve seen some interesting sides of the people you know or even love). BUT … please extend grace (forgiveness, no judgement, love) because we know that people responding from a state of fear are not in their right mind.
  4. Use this as an opportunity to plant seeds for something beautiful. Whether it’s new financial behaviour, a new area of your business, deeper connections with your family – etc. Find and grow something beautiful.



Before I go on with the financial advise below, this point was made at the end of the discussion and it was lovely. For those perusing any type of dream, but especially those who’s dream is a business that extends from a deep place in their heart – THIS IS NOT TELLING YOU IT’S OVER. Do not think this way. Simply consider it a PAUSE. A time to reflect and to do what we must do (suggestions below) until we’re ready to move forward in an even better situation than before, because we had the courage to face the storm and got through it.



As per the above, for those of us who have to put our dreams on hold, there may be some pride and shame attached with this. DON’T BUY INTO IT. Not worth the mental and behavioural implications to do so. If you have to find some other work for now …THAT’S OKAY AND NOTHING TO BE ASHAMED ABOUT. You’re not a failure. If you need to be vulnerable and ask for help – that’s okay too. There is no shame in this. Keeping a shelter over your head, food on your table and supporting your family is essential. There should be no shame in hard work that provides for you and stops you from being weighed down by debt in the future.



It won’t come to you … you have to go out and find it. So at this time of reflection:

  • Obverse
  • Adapt your business
  • Explore new areas that suit this “stay at home” space
  • Test and try things (sensibly)



Now this will differ for everyone, but one thing we do know at uncertain times is that controlling ONLY what we can control will bring peace, hope, courage, opportunity and the likes.


As I mentioned, Dave’s financial team has seen three main categories of circumstance in response to this situation. The below are their financial recommendations (controlling what you can control) for each of the three categories.


Category 1: You’re in a financial Crisis – which they define as having no job (or income of any means), or no revenue coming through (for business owners) AND you also have no buffer savings to ride it out.

If you are in this category, stop all spending except on the essentials:

  • Pay for food
  • Pay for rent/mortgage
  • Pay for Clothes (needed clothes not fashion statements)
  • Pay for Utilities
  • Pay for Gas/Petrol/Transport.
  • Stop paying for everything else (inc. debt payments) until your situation changes.

In line with this:

  • Do a budget immediately to control your money and spending behaviour
  • Go and find work (it is available some industries are booming – hint amazon) – see note on pride above if shame has kicked in
  • As best as humanly possible – do not go into more debt. FYI: As a debt killer – this is a strong platform from which Dave R stands as a financial advisor. I understand we all deal with things differently so this one I’ll leave to you. If you’re interested in his perspective on debt see his work in the links below.


Category 2: Middle ground people – currently have income, have some money put aside, but feel a bit of a storm is ahead (FYI read category 3 below before you decide you’re in this category):

In this case

  • Do a budget / money plan to control your spending behavior (if you haven’t already)
  • Keep paying for essentials (as listed above)
  • Continue to pay off any debt – i.e. minimum credit card / loan payments etc.
  • Pile up cash – reduce spending on major and unnecessary items other than essentials
  • Focus on saving up 3-6 months of “emergency funds” (i.e. covers all your expenses for 3-6 months) – should your income situation change in the future.


Category 3: Still have income, have savings enough for 3-6 months, have super accumulating or other investment, but feeling a bit unsure in this situation

  • You are in control and in the best possible category – so do not panic and make poor decisions.
  • Do not access your retirement fund (unless in retirement)
  • Do not cash out anything
  • Do not cash out investments – ride the wave
  • Keep paying off what needs to be paid off
  • Look out for Good Investments – given financial market opportunities emerging
  • Refinance mortgage as many good opportunities are out there now
  • BE GENEROUS – HELP OTHERS – DO THINGS FOR OTHER PEOPLE – Dave was very strong on this point. Help those who need help. It will make you feel so much better and will really help someone out. Support local businesses. Tip generously. Offer work to people. Support.


For full video please see:

To talk to Charlotte visit: