“Just like in a jigsaw puzzle  each piece helps to create the big picture. Get the pieces right and the big picture will come into view”

I don’t know how many of you like doing jigsaw puzzles but every now and then – usually on a holiday when we have started to relax ,my husband and I will often grab a jigsaw puzzle. We choose  the jigsaw puzzle primarily for the beautiful picture on the lid of the box and the colours involved but when we open the box, I always get that sinking feeling that can only be described as the same feeling I get when I take the first step on a steep climb.. I am somewhat overwhelmed at the task ahead but up for the challenge.

If you were to look at the pieces without the picture it would  be very difficult to see what you were working towards but having the picture certainly helps with the placement and the order of the pieces.

Its the same with our financial lives. when we can see a picture of where we want to go we can start forming the pieces that will get us there. Whether you have a business idea or have goals in your personal finances, the big picture will only get you so far. Eventually you will have to “nut out” the details of your everyday lives in order to win the privilege of stepping back to view what you have accomplished.

So what details am I talking about. I thought I would give you some pointers for business and personal to get you thinking about the pieces of your own puzzle.


  • What do you want your business to look like in 5 , 10, 20 years
  • How much do you need to earn to contribute to your household
  • Will you need to register for GST
  • What are the tax  implications
  • Will I operate as a sole trader or establish a company
  • What insurances will I need
  • Can I operate alone or will I need to employ staff
  • Is it possible for me start operating in the business now whilst I am still holding down a regular job
  • How much capital do I need behind me to get started


  • What do I want my life to look like in 5, 10, 20 years
  • What savings plan do I need to set in place now to achieve what I want to achieve
  • Do I need to increase my income and if so do I need to spend to time increasing my knowledge or upgrading my skills
  • Do I need to reduce my spending
  • Do I need some help understanding my finances
  • Am I prepared to sacrifice now so I can have more tomorrow

Of course these lists are not exhaustive but hopefully they will get you thinking of the details so that you can then turn those details into goals and then a plan to get you to where you want to go.

Let me know if that helps