BudgetDrive

BudgetDrive is all about understanding the best ways to save and budget.

Firstly It’s not easy. There are a number of sites that talk about different ways to save money. But it’s like dieting and becoming healthier – that is, easy to say, harder to do.

Today we live in an ‘instant coffee’ world whereby many people want everything yesterday and want the latest things every year.

Managing your money is all about creating new habits. They say to kill one habit you need to start another and stick to it for at least 21 days. Most people start to budget when they have to rather than proactively planning.

Managing your money is quite simple – you have money coming in and money going out. You can borrow money easily and lenders will tempt you with special offers. The UK has the highest personal indebtedness in the world because we always want ‘a newer model’ now and we can buy it on credit. Money management can also fail if we are not happy with our lives; if we have had a hard month at work and we think blow it, I will buy a new dress, shirt,shoes, or go out on the town. It’s a short term comfort blanket to appease your feelings but the next month you’re fretting because you don’t have enough cash to pay for everything.

Click on a heading below and see a summary, and if you're interested you can GO and read more about it!

Here are some initial thoughts about budgeting. GO!

Here are some facts and stats  about budgeting. GO!

This is a whole system for sorting out your financial plan.  GO!

Here are some hints and tips for doing your budget. GO!

One of the main reasons budgets fail is that people impulse purchase. See why. GO!

See some ideas on how to avoid making impulse purchases. GO!

See how you can make money by selling stuff you no longer need. GO!

Make sure you switch suppliers to take advantage of best prices. GO!

See how to format a budget. GO!

If you’re a visitor to our site you can join and download information, assess your own health and create your own action plans, and even contribute to our site.  GO!

We have a couple of videos and testimonials. GO!

See what you can do next. GO!

We have some additional information on this subject. GO!

Some Initial Thoughts

finances on laptop

Creating and managing a budget isn’t easy - it’s an art

Learning to budget is not just about saving on the weekly shop but your whole finances

Forming a budget is the first step when building a solid financial foundation. The goals of a personal budget are as follows:
- Quickly show your “before expenses” and “after expenses” estimated balance
- Track paid vs pending expenses
- Track upcoming expenses (forecasting)
- Track the amount of money going to each expense - Identify and develop trends to optimize your budget

Keeping the budget simple and building upon it is a great way to get started.

impulse purchases

More than 1 in 5 (22.9%) say they make impulsive purchases every week

How to stop impulse buying

Avoid temptation. The best way to stop an impulse purchase? ...
Stop and consider. ...
Create and stick to a budget. ...
Think about your motivations to make an impulse purchase. ...
Limit your cash and credit. ...
Stay off social media. ...
Remind yourself of your goals.

This is a HUGE subject which we’ve broken down into sections which you can visit 

Facts About Budgets

average
£ 1

weekly grocery bill for a family of 4 in the UK is £99 up from £89 Source ONS

People with a budget
67%

67% of people have a budget – 33% don’t maintain a budget. Source ONS

average family spend
£ 50 a year

Average family spend is £451 a year ordering in takeaway food; source familymatters.co.uk

Nail care
people 67%

 (67%) buy nail care products on a monthly basis. Average person spends £450 a year and has 24 nail manicures

on alcohol
£ 1 a year

annual, average household spends £915 on alcohol. £18 a week

Subscriptions
19.5%

The average household imagines they’re spending £29  on subscription fees per month, which is only 19.5% of the average £149 per month they are actually spending.  Source idea home.

on looks
£ 100 a year

The average person in the UK is spending almost £4,500 on their looks throughout the year. Source TotallyMoney.com
Leeds average £7,000. London average £6,300 annually.

Food and drink
19%

In 2019 UK households spent 16% of their budgets on food and non-alcoholic drinks. Another 3% of budgets went to alcohol. Source: ONS

financial plan

Map out your financial plan

We have done our own 10 step financial planning template you can look at and download. It doesn’t just consider how to do a budget, but gives some tips on how to decide what’s important to you and how to balance the short term immediate issues with looking to the future.

Following this will give you ideas on how to prioritise your spending.

It's not trite stuff about spreadsheets - it considers what's most important to you. We guarantee that following these 10 steps is a realistic way to approach your budgeting and financial life.

See the plan below, with the 10 steps set out under five headings.

50:30:20 rule for budgeting

Tips for doing your budget

There are loads of tips online for doing your family budget – we’ve come up with our favourites in this list:.

We can recommend the 50/30/20 rule, which breaks down your after-tax monthly income into three budget categories:

1. Needs These are expenses that you must pay in order to live and work, such as a mortgage or rent and groceries. They should account for about 50% of your spending.
2. Wants These are expenses that don’t qualify as needs and don’t include your savings and payments toward debt. If you can live and make money without it, it’s probably a want. This should be 30% of your spending. Wants vary widely according to who you are and your situation, so someone's needs are someone else's wants. .For example, if you go to the gym as part of your training for your career as an athlete the costs are needs, but if it's to keep trim it’s a want.
3. Savings and debt repayment This category includes expenses that help your future self and should account for 20% of your income. Use this category for building an emergency fund and setting aside money for retirement.As for debts, focus first on high priority debt you may have, such as high-interest credit card or other loans (see DebtDrive). This category could also include payments beyond the minimum balances on lower-rate debts, like a mortgage. (See DebtDrive to see the difference between good and bad debt.)

top 5 impulse buys

What are the main reasons we impulse buy?

Enjoyment, we tend to pick up things that make us happy.
Loss aversion.
Spending on children who you feel may deserve a treat.
Short term injection of pleasure when feeling depressed.
Thinking you've spotted a bargain.
The need to stockpile.

Simple tips help you avoid impulse buying instore and online

Time Out! Come across something that you would like to buy?
Shop with a list
Don't buy for the wrong reasons.
Use cash instead of credit card. Don't shop when upset.
Give yourself a no-spending challenge
Don’t Shop when hungry or drunk
Spend within budget.
Avoid online spending whilst intoxicated, you will always regret it.
Unsubscribe from retail newsletters, mailers and special deals
Think about the last purchase you regret

Try selling some of your old junk

You would be amazed at what people sell on Ebay and Gumtree. Preloved, Facebook market. Our lofts, garages, wardrobes are full of things we can sell to make money.

A surprising number of common household waste items are being sold online. The most valuable individual items we've seen are empty perfume bottles, with some selling for as much as £37 each, though about £2-£5 is more typical.
switching bills

Become a switcherholic

Less than 50% of people change house, car, contents, credit cards, mobile and internet contracts every year. Most people do not get into the habit of switching their may suppliers every year. Statistically people switch every 3 to 4 years because they cannot be bothered..

One of the main reasons for not switching is because it is seen as a chore with 43 per cent of over 24-year-olds saying it is a hassle – a figure which rises to 55 per cent amongst 18 to 24-year-olds. This is money.com

Budget format

You Drive the way to do your budget! Here you can download paper forms which you can print and fill in, download spreadsheets you can fill in and keep, or do them online – again you’ll find the links here.

To go to the Money Helper (formerly Money Advice Service) Budget Planner, click the button below. For the others, go to ‘More Info’ below.

For visitors

Why don't you join us?

You can register to join us as a member, when you’ll be able to download our stuff and comment, or as a YouDriver when you’ll also be able to check your health and set up your own action plans to make some improvements.  If you’ve already registered, sign in below. Or let us know what you think.

Budgeting

This video from Martin Lewis explains what’s needed to do a budget in real terms – allows you to set up a budget. Note you can download the Excel spreadsheet used at the bottom of this page!!

Budgeting for Beginners

This video from Elena Taber describes her favourite apps and tips in a modern view of budgeting,

Budgeting for Beginners
“Beware of little expenses; a small leak will sink a great ship.”
Benjamin Franklin
Benjamin Franklin
Writer, scientist and founding father of the US
“A bargain ain’t a bargain unless it’s something you need."
sidney carroll picture
Sidney Carroll
American film and television screenwriter

Next Steps

It doesn’t matter what stage  you’re at – it’s important to be the best you can be.  At the end of the day it’s about taking personal responsibility – You Drive!

It’s really your choice. You can find out more information about the subject, or see other institutions that can help by going to Support. There you will find organisations, training, coaching, self-help courses and other items to support your personal change. We have also started developing a panel of experts to provide info, advice, help and support. 

Get Support

There are times when you need some help to meet your aims –  a helping hand. That might be  an organisation that can provide you with some help,  some specialised information, a particular book or tool to help, or just getting some background reading material.

We have a lot of items which appear on our Drives and other pages, which you can go to by clicking on the picture or link.  Some contain affiliate links and we may receive a tiny commission for purchases made through these links.

If you know of anything which could help you or our other visitors then please click the button on the right, which will take you to a Contacts page where you contact us.

Experts

We are compiling a list of experts who can provide advice, help or specialised services.  You will be able to access these experts from anywhere on our site you see our ‘Experts’ symbol.  Click the green E to see what our Experts list will look like, with a couple of imaginary ‘experts’ added!

More Information

Scroll down to see more information on this Drive. 

If you register you can also download reports, white papers, quizzes and other collaterals.  We will never ask you for any financial information, and we’ll only send you the information you want. You can register for our site either above or in the footer below.  You can provide your own questions and experiences in order to help other members.  We only moderate for spam and inflammatory language – see our moderation policy.

If you’ve found this interesting, then please share it on social media.  Choose your network!

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More information

How to budget and manage your money

Financial Planning Book for Beginners. How to Save Money Faster, Pay Off Debt and Control Your Finances: 1 (Smart Personal Money Management Series Book)

Do you want to learn how to manage your money better?


Go to Amazon

Perpetually broke – living beyond your income

What they didn’t teach you in School, how to Manage your Money, Pay off Debts, get a Money Makeover and … Prosperity by 40 (Personal Finance Wizard)

Do you want to discover devastatingly effective secrets for MONEY MANAGEMENT, basic PERSONAL FINANCE and HOW TO BUDGET?


Go to Amazon

The RICH Method

The definitive guide to getting money and success. Reduce your expenses, clear your debts, learn to save and invest, and reach your financial freedom

Have you ever wondered what rich people did to get where they are?


Go to Amazon

Grandpa’s Fortune Fables

Fun stories to teach kids about money

The Money Book That Adults Wish They Had Read As A Child.


Go to Amazon

This free 10 week plan from Money Helper helps you build confidence to manage your money.

Use the Money Helper budget planner to plan your budget

StepChange the leading debt charity have a section on budgeting – why it’s important, how to make an income and expenditure statement if you need one and how to manage your budget.

If you want an app to help you budget, see the list of the 6 best personal finance apps of 2022 at Investopedia

There’s a template for budgeting from StepChange, the Debt Charity – in Excel so you can enter your own numbers

There’s a template for budgeting from StepChange, the Debt Charity – in PDF format so you can print and enter your own numbers manually

There’s a template for budgeting from MoneySavingInspiration in Excel

There’s a template in Excel you can use from  MoneySavingExpert for setting up your budget

Stuff sold

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Rubbish sales on eBay

 

AVG PRICE PER ITEM (1)

MAX PRICE WE FOUND

NO. OF BUNDLES SOLD IN LAST THREE MONTHS

Football programmes

£3.65

£26.95

168,930

Coat hangers

88p

£6.39

2,931

Jam jars

92p

£5

431

Empty perfume bottles

£3.77

£10.50

3,366

Shirt buttons

44p

£5.13

39

Wine corks

9p

20p

383

Pine cones

23p

£2.50

188

Champagne corks

10p

50p

163

Glass coffee jars

£10.34

£39.04

247

Toilet roll tubes

6p

12p

139

Newspaper supplements

£8.35

£26

282

Glass ramekins

40p

£1.17

166

Can ring pulls

2p

4p

107

Plastic milk bottle tops

4p

11p

88

Wool odds and ends

£1.98 (per 100g)

£5.50 (per 100g)

26

Kitchen roll tubes

12p

28p

32

(1) Based on MSE analysis of last 25 sales, in June 2021.

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All areas of health are interlinked

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Find your initial focus

You might think that physical, financial and mental health are quite separate, and for some people they are. However, often a problem in one area has a knock-on effect on others. Losing your job can lead to anxiety and depression, which can turn you to drink and impact your health.

You might have a severe issue in one area but that can lead to problems in other areas, and the people treating you for the first problem won’t be equipped to deal with these linked issues.

For example, doctors and nurses can treat you for a physical problem but can’t advise you about your job or finances.  Nor for the anxiety that comes with it, apart from prescribing some drugs, which might or might not be the best solution.

We encourage you to take a holistic view – we look at all areas and offer support across the whole spectrum.

health areas interlinked

Even this view of health is simplistic, as you’ll discover later if you go down that route.  You might want to consider overall health, or wellness or wellbeing, which include additional types of health, such as occupational health (how you are in your job).   Then there’s happiness and quality of life – how do these fit?

If you’re interested in that, click the link here to see more information.

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Grandpa’s Fortune Fables

Fun stories to teach kids about money

The Money Book That Adults Wish They Had Read As A Child.


Go to Amazon

The RICH Method

The definitive guide to getting money and success. Reduce your expenses, clear your debts, learn to save and invest, and reach your financial freedom

Have you ever wondered what rich people did to get where they are?


Go to Amazon

Perpetually broke – living beyond your income

What they didn’t teach you in School, how to Manage your Money, Pay off Debts, get a Money Makeover and … Prosperity by 40 (Personal Finance Wizard)

Do you want to discover devastatingly effective secrets for MONEY MANAGEMENT, basic PERSONAL FINANCE and HOW TO BUDGET?


Go to Amazon

How to budget and manage your money

Financial Planning Book for Beginners. How to Save Money Faster, Pay Off Debt and Control Your Finances: 1 (Smart Personal Money Management Series Book)

Do you want to learn how to manage your money better?


Go to Amazon

Stuff you might want regarding budgeting

Now you’ve read about budgets you might want to make a bit of a statement.  Have a look at some stuff below we think has some humour value!  We may make pennies on commission, but that’s not the point really.  Click on the image to see more details.

Financially Independent Mug

Go to Amazon

Out of Debt Mug

Go to Amazon

Debt Free Tee-Shirt

Available in many styles, sizes and colours

 

Go to Amazon

I Can’t I’m On A Budget Tee-Shirt


Go to Amazon

Cry later Impulsive Buyer T-Shirt

Go to Amazon

Health Areas in Domains

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Domains

We break down the overall concept of health or wellness into ‘bite-sized chunks’ that we can actually do something about.  The first level we call health domains. 

We like the Life of Wellness site and we have chosen the following domains.

1. Emotional Wellness: Awareness and acceptance of feelings
2. Spiritual Wellness: A search for meaning and purpose
3. Intellectual Wellness: Recognition of your creativity, knowledge and skills
4. Physical Wellness: Need for physical activity and balanced nutrition
5. Environmental Wellness: Positive awareness and impact on your environment
6. Financial Wellness: Debt reduction, cash flow balance or financial future planning
7. Occupational Wellness: Personal achievement and enrichment from your career
8. Social Wellness: Contribution to your community

Health Areas

Within each domain, we have included a number of health areas. These are specific issues that you can tackle.  Within each health area, e.g. Depression, we have built additional information and exercises which you can do to help in the area. You can create your own Action Plan to address this area, and see

Emotional: Anxiety, Compassion Fatigue, Depression, Gambling, Laughter, Narcissistic, Personality Disorder, Sleep, Stress

Environmental: Environmental Issues, Greenness

Financial: Debt, Family Finance, Financial Planning, Financial Wellness

Intellectual: IQ, Personality, Procrastination

Occupational: Jobs for Different Personality Types, Retirement Income, Work Life Balance

Physical: Alcohol, Disabilities, Dizziness, Drugs, Fitness, Food Preferences, General Health, Healthy Ageing, Illness, Nutrition, Sleep Apnea, Smoking

Social: Communication Skills, Communication Styles, Domestic Abuse, Emotional Abuse, Love Partnerships, Mental Abuse, Parenting Styles, Sexual Addiction

Spiritual: Are You Sensitive, Mystical Guidance, Spirituality

Each health area has supporting information and its own questionnaire.

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Understand Health

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Physical, financial and mental health

One definition of health is:

Health is a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity. 

The NHS define health as: ‘We use a broad definition of health that encompasses both physical and mental health, as well as wellbeing. This means we are not only interested in whether or not people are ill or have a health condition, but also in how healthy and well they are.’

We believe we also have to consider financial health, as this can easily impact physical and mental health. Click the button to see an example of how these are connected.

 It gets more complicated…

What is Health? How about Wellness, Wellbeing or Happiness?

The Active Wellbeing Society (TAWS) define Health as a state of the overall mental and physical state of a person; the absence of disease. They define Wellbeing or wellness as a way of life that aims to enhance well-being and refers to a more holistic whole-of-life experience which also includes emotional and spiritual aspects of life.  We expand on this definition of health to include financial health and mental health, to make it synonymous with wellbeing or wellness.  

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Health domains

You need to scroll down to see all the info in this popup – sorry for going on so much!

We break down the overall concept of health or wellness into ‘bite-sized chunks’ that we can actually do something about.  The first level we call health domains.

We like the Life of Wellness site and we have chosen the following domains.

1. Emotional Wellness: Awareness and acceptance of feelings
2. Spiritual Wellness: A search for meaning and purpose
3. Intellectual Wellness: Recognition of your creativity, knowledge and skills
4. Physical Wellness: Need for physical activity and balanced nutrition
5. Environmental Wellness: Positive awareness and impact on your environment
6. Financial Wellness: Debt reduction, cash flow balance or financial future planning
7. Occupational Wellness: Personal achievement and enrichment from your career
8. Social Wellness: Contribution to your community

wellness wheel

Health Areas

Within each domain, we have included a number of health areas. These are specific issues that you can tackle.  Within each health area, e.g. Depression, once you have subscribed we have built additional information and exercises which you can do to help in the area.

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See which domains you should address

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Having established that we use 8 domains, you need to understand which you should concentrate on.

The 8 are:

  • Emotional
  • Environmental
  • Financial
  • Intellectual
  • Occupational
  • Physical
  • Social
  • Spiritual

 

You can take a questionnaire, which scores you in each domain.  You can decide which domains you are strong in, and which you need to improve.

Another analysis shows which domains you should look at, but also which domains you want to look at.

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Locus of Control

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  • We want to help people in all aspects of their health  – physical, financial and mental. We also provide detailed explanations of how overall health (or well-being) is measured.
  • We believe these things are often linked, so we try and address health holistically. We are building templates, questionnaires and exercises to help you identify what’s important to you.
  • We think people should try and take responsibility for  of their own health as much as they can.  See below for what that means.

People look at things differently.  Some people believe things happen to them, while others believe they can influence what happens to them. Technically this is called the ‘locus of control’.  People can have an Internal or external Locus of Control

So how do you see things?

Psychology Today have a 15 minute test which gives you a summary of your position you can buy the detailed results if you want to.

My Personality Test have a 10 minute test which gives you a summary.

People tend to take more responsibility (locus gets more internal) as they get older.  However, external isn’t always bad – for example if you are physically unable to do some things you can accept it and focus on the things you can do.  This American video explains the concept and gives examples of how this can affect relationships.

locus of control

Internal

  • More likely to take responsibility for actions
  • Tend to be less influenced by others

External

  • Blame outside forces for what happens
  • Don’t believe they can change their situation themselves

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Add your attitude to change - see how you view changes in your life

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Do you need to change?

No matter how healthy you are at the moment, the chances are that there are some areas you could improve. It may be that you have a real problem in one or more areas, and you would like to make some improvements.

At YouDrive we accept that there are many different degrees of ‘not wellness’ in a large number of different health areas, ranging from physical illness such as covid-19 through mental illness such as anxiety through to financial problems like debt.  We try and help where the problem ranges from ‘slight’ to quite bad’ – after this expert help and intervention may be needed.

However, especially in these times, we have to try and make these changes ourselves, possibly with some help from others, whether remotely or face to face.

The thing is, to make an improvement we have to change some things.

This involves changing our behaviour in some respects, and that’s not always easy.

Henry Ford, the creator of the assembly line, is quoted as saying “if you always do what you’ve always done, you’ll always get what you’ve always got”.  

henry ford

Another way of looking at this: “The definition of insanity is doing the same thing over and over again and expecting a different result.” – attributed to Albert Einstein.

Consequently we need to make some changes.  The problem is that we have already developed a lot of habits, some of which we need to break and replace by better ones.  Some of our bad habits have become entrenched, and the bad results they create in turn engender further bad habits to develop – in effect the bad habits can feed on themselves.

We need to understand how we can make changes and stick to them, and that’s what this part of your health profile is about.

It will involve some learning, through reading, some videos and some additional information and also seeing how you react to change currently.

It will also ask you to consider whether you feel you are in charge of your future, or whether you feel it’s all fate.

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Assess your overall health using a health questionnaire

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At YouDrive we try and help people improve their health. We use ‘health’ but we understand there are other terms such as wellbeing or even happiness that reflect how we are doing in our lives – if you’re interested in the different definitions and ideas see our page on the subject.

We want to help whether you have a particular problem – physical, financial or mental – or if you just want to improve some specific part of your life or just make some improvements overall.

You’d be surprised, but there has been a serious amount of scientific work done in this area over the last twenty years.

So first we allow you to assess your current health (or wellbeing, or happiness).  We do this by questionnaire.  Which one is determined by the type of person you are:

  1. You understand yourself well and want a quick overview of your health and wellness, and will drill down in any areas needing work
  2. You want to do a more detailed assessment and then focus on areas you’re already aware of
  3. You want to look at the whole situation in more detail across all the health domains.

By the way, we take your privacy seriously – we collect information that you choose to provide but we de-identify it as much as possible and will never share it with anyone without your explicit consent.

You can then drill down into some specific areas and there are more questionnaires to see your situation in these particular areas.  We provide you with specific information and refer you to other potential aspects of help. Our next step is to build a personalised action plan – for now we will make a suggestion for you to develop your own plan and then after a time you can see whether this has had a positive impact by retaking the test.

In future we will be engaging with medical and behavioural specialists to devise action plans for individual people with specific situations.

We have an overall questionnaire which you can complete which will assess your current state.

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Values, Attitudes and Beliefs

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We all have our beliefs, attitudes and values – these have developed throughout our life based on who we are and what we have done. Let’s look at what these are.

The University of Reading explain: “People’s values, beliefs and attitudes are formed and bonded over time through the influences of family, friends, society and life experiences. So, by the time you’re an adult, you can hold very definite views on just about everything with a sense of “no one is going to change my mind”.

The combination of your personal values, beliefs and attitudes are your moral principles that guide you in life and affect your behaviour. However, your views can wildly differ to others and in an institution such as a school, these beliefs may be counter to the values of the school, child development or indeed the law.” 

Let’s look more closely at the differences between beliefs, attitudes and values.

Beliefs

These come from real experiences – we think our beliefs are based on reality, but in fact our beliefs colour our experiences; also, an original experience e.g. when we were a child is not the same as what’s happening now. Beliefs can be moral, religious or cultural and reflect who we are. They can be rational (‘it gets colder in winter’) or irrational (‘I am never going to make something of myself’).

Attitudes

This is an immediate belief or disposition about something specific. It is a recurring group of beliefs and behaviours aimed at specific groups, people, ideas or objects. They will normally be positive or negative and we will always behave that way to the target group. Examples of attitudes include confidence (I can or can’t do something), grateful (I an entitled to / grateful for XXX) and cheerful (I am generally happy / miserable).

Values

These are things (principles or qualities) that we hold in high regard or consider to be worthwhile or right / wrong. They are formed by a belief related to the worth of something – an idea or behaviour. Some values are common (e.g. family comes first, the value of friendship) or cultural (which the whole community have – see video at Study.com here)

The theory

Links to Wikipedia

Expectancy Value Theory suggests you balance your beliefs about something with the value you attach to it. The Theory of Reasoned Action suggests that beliefs and evaluation about behavioural outcomes determine attitudes, and intentions lead directly to behaviour.

Beliefs

Expressions of confidence – can change over time

Attitudes

Learned predispositions to something – are subject to change

Values

Ideals that guide our behaviour – Generally long lasting and often need life changing experience to change

Iceberg demonstrating implicit and explicit bias – from Owlcation

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A Butterfly Life: 4 Keys to More Happiness, Better Health and Letting Your True Self Shine

Times of change can be a challenge, no doubt! Whether it’s a relationship breakup, job loss, or being diagnosed with a serious health issue. Or you may WANT things to be different, but it feels a little scary or overwhelming. The butterfly reminds us change can be beautiful, even necessary, in order to realize our full potential and live our best life.