Category Archives: culture/society

Money: some other possibilities

It’s very clear that money is entirely a cultural construct – it’s something that is created by society, it has no material reality in itself, and no natural or external force caused its existence.

There is an incredible freedom in this. It means we don’t have to be run by our culture’s familiar emotions of fear, greed, shame and anxiety – these are just emotions attached to cultural stories, which don’t give us useful or accurate information about money itself.

money-yin-yang-300x240Instead, we can create our own relationship with money.  Rather than simply be constrained in the tight space generated by those familiar cultural emotions, we can come to find meanings of money which resonate with us at a deep level and which help us become more and more aligned with our authenticity and our spiritual path.

The range of possible meanings is endless. All meanings are valid – though the most useful are those which bring us into a constructive and enlivening relationship with money.  As a start to this process of creative refreshment, here’s some images or archetypes that I am working with and find stimulating.

Being a bridge

A previous post talks about this in more detail, but the essence is this: Many people who bring a gift to the world are bringing something new – something which the world is calling for because it does not yet exist.  Because our gift does not yet exist it is often hard to tell people what we offer.  In such a situation it is helpful to see ourselves as a bridge – between what we know is good but is not yet manifest, and the current reality of social life.

A bridge has the extraordinary property of being anchored in 2 places at once. In our case our strong connection with our gift usually means one end of the bridge is firmly anchored in what we know is possible.  It is often very challenging, though, to get the other end of the bridge as solidly anchored in current social life – it’s hard to clearly say what our gift is and to connect with the people who want it.

But when we are able to make that solid connection to current social reality then people can easily hear and see what we offer, and they can readily feel whether it is for them or not.  And as a result energy can flow both ways: we get to offer our gift regularly and often. It is well received.  And money can flow easily.

In this scenario, then, money is a litmus test of how good a job we are doing of being that bridge – how solidly we are anchored both in the current world and in what is possible.

Standing on one’s own feet

Our fears about money tempt us to look outside ourselves for solutions: need to get a job, generate more clients, find a patron, work more hours, win that contract, be more focused.  All are action-oriented. So what if we turn that around and ask about not-doing?  What if I grabbed the emotional energy motivating those actions and brought it inwards?  What would that look like?

It might look like standing very still but very solid.  Solidly anchored in one’s own space, one’s body. Feeling the connection through feet to the ground, and from the ground up one’s legs and suffusing throughout one’s body.  Feeling the move and sway of Earth energy, like the sinuous movement of a giant beanstalk, or the elastic wind-swept movements of the branches of the trees.  Feeling one’s energy coalescing absolutely at one’s centre, deep in the belly, allowing firm rootedness to the Earth below and at the same time fluid adaptive movements in my pelvis and all my limbs as I respond to Life’s events.

In this image money flows along energy pathways from the ground, like a force field that keeps our feet glued solid to the Earth and then flows up our energy meridians and across our whole being.  This solidness then enables almost a complete opposite…

Debt as an act of faith

Debt mostly gets a bad rap in our society : being in debt is seen as bad, as a burden, being ‘trapped’ by debt, a constant source of anxiety. Credit cards are frequently seen as actively dangerous and credit providers as malevolent. Government deficits are seen as irresponsible.

At one level all these things can be true. But we don’t have to relate to debt in that way. Especially if we are borrowing money to fund a business which expresses our life path, we can see that act of borrowing as an expression of faith in our gift and in our path.  If we did not believe that our gift is needed and that we have the capacity to give it, then what are we doing in business?  Come to that, what are we doing at all?

This doesn’t mean we should just gaily launch out into debt willy-nilly.  We are a bridge between what we know is possible and what is currently happening in our society.  So it’s crucial that we are wise and sure-footed about bringing our gift to the world as-it-is: we need plans grounded in the realities of the world and in what our own capacities are and what they are not.

But such plans do not have to be gloomy or restrictive.  Nor does borrowing have to be a constant and unrelieved burden.  Rather, we can see borrowing money as a very tangible expression of our faith in our gift:  that our gift is true, that the time is right for it, that we can offer it well, and that we are willing to serve our gift in whatever way it needs, including taking risks.


These three suggestions are just a start – a stimulus for creativity around our relationship with money.  What works for you?

Photo credit – http://inspiringsuccess.com/blog/2013/09/balance-with-your-archetypes-creates-financial-ease/ Thanks Rosemary Cunningham  http://www.rosemarycunningham.co.uk/

Money: tales of disruption

bankruptcy-1Most of us in the West are socialised into a permanently conflict-ridden relationship with money, in which we often feel trapped by our conflicting emotions.

But beyond that narrow space limited by our habitual emotions is a whole world where other things happen.

Here’s just three examples.

Not paying your debts

The fear of not being able to pay our debts looms large in the Western psyche.  The English-speaking world has its legacy of slums, debtors prisons and workhouses horrifyingly described by Dickens and others.  But late nineteenth century liberal responses to these horrors changed bankruptcy from a very public shaming for moral turpitude to a benign legal and administrative device to forgive debts and allow the debtor a fresh start.

Like no-fault divorce, the attitude behind bankruptcy legislation is that things don’t always work out well despite people’s best intentions, and the wisest attitude is simply to set people free with no blame to start again.

Certainly most people who go bankrupt feel a great deal of shame, guilt, remorse and fear.  And credit agencies, friends, colleagues and family often subtly reinforce these feelings in subsequent years. Bankruptcy is not a small step.  But the point is that there is life beyond “going bankrupt”. It’s not the end of the world.  It’s simply the end of one phase of life and the start of another phase of life, another type of life, another style of life.

Two friends who have been through bankruptcy, both men, say that going through the process forced them to confront and dismantle their unconscious attachment to being a breadwinner, a ‘successful businessman’ and indeed their attachment to a narrow form of masculinity.  At the emotional/psychic level, for each of them their bankruptcy was an ordeal by fire – as we would expect given our tortuously conflicting emotions about money.  But each is now more free, with a richer and more autonomous sense of self. And – they are free of debt.

Being Homeless

Nichole Gracely became homeless after she left her shockingly bad job in an Amazon warehouse and was not able to find another one.  She started begging on the streets: “I did not simply perish when I lost all sources of income and could no longer afford to pay the bills. A survival instinct that I didn’t even know I possessed manifested itself. I learned to live without money and without a home.”

It isn’t easy: she’s “…learned that it’s best to keep moving. It’s not easy to start up anywhere with absolutely nothing. … It takes tremendous strength to get through a day.” But “There’s more respect for a homeless woman out on the streets than there is in a warehouse for Amazon workers.”

Gracely shows us that beyond what most of us consider to be a total catastrophe, the end of “life as we know it”, is a whole world – certainly a very different life, but still a life.

Being homeless is not necessarily a desirable goal, or necessarily an easy way of life. But the point is that there is life beyond our fear or shame about not having a home.  And especially that there can be more dignity in being homeless than staying in an immoral or soul-destroying situation.

 Throwing money around

The above two stories of disruption seem to support the cultural story that there is not enough money to go around – that we have to battle to make ends meet .

But despite our culture of fear and tightness around money (or because of it?), there is a very well-established pattern of people having money – huge amounts of money – thrown at them.

The apocryphal example is JK Rowling. Here is a single mum telling bedtime stories to her kids, and people start throwing hundreds of millions of pounds at her – all for telling stories that apparently hit the spot for millions of people.

The phenomenon of celebrity is based in this:  people can become famous, with the associated wealth, simply because they hold something on behalf of millions of people – often something quite ephemeral like a personality trait or a story line.

JK Rowling’s experience disrupts the story there is not enough money, or that it’s hard to come by. This makes it clear “not enough and work hard” is just a story – actually, one of our culture’s foundational stories about money.

Believe any of our culture’s money stories are true and you can find support for them everywhere.  This is how culture works.

And also, like all our stories about money, there is a whole world beyond it.

The Pleasures of an Intimate Accountant

me in conversationAs your accountant I get to know the intimate details of your financial situation. But there’s also another type of intimate connection I enjoy even more with my clients.

One of the richest aspects of accounting for me is that being someone’s accountant brings me into a very intimate connection with that person.  In British (and Australian) culture, talking about personal finances is often uncomfortable – it’s not a topic of polite conversation.  Money is something we usually only discuss in detail with one’s spouse, or perhaps one’s parents or adult children.

In this way an accountant is in a similar position to a doctor: the professional examination involves revealing “warts and all”.  Obviously the accountant can’t do their job without all the relevant information – but I always feel a little frisson at the moment when the client starts to tell me the detail.  It is, in a psychic sense, very much a moment of “undressing”.

I deeply value my clients revealing themselves to me in this way. I feel it is a very vivid demonstration of trust.  Even though I know most people routinely interact with professionals of many sorts who require us to share our “secrets”, each time a client does this with me I feel it is special, and deserves acknowledgement, and respect.  It really is a relationship of vulnerability: my client is vulnerable to the extent to which I caringly respect what they have confided.

But in my approach to my work this intimacy and vulnerability is not just one way.  All my clients are people for whom their work or their business is a creative expression of their soul – just as my own business is for me.  Thus although there is a client-practitioner relationship, there is also another level of deep mutuality:  we share values around authenticity and creativity, and around the challenges involved in being true to ourselves and earning a living.

Sometimes this comes out in snippets of conversation where we discover a shared passion around some element of business operations.  Sometimes it comes out in drawing on personal growth principles to help us address an issue in the business. Sometimes I need to tell them I am triggered by aspects of their profession or their business.  Sometimes it will come out in what appears to be a rambling natter about something else – which then suddenly and unexpectedly crystallises for the client a vital aspect of their business focus.

I share with my clients a vigorous belief in disclosing all this personal stuff, in allowing the emotional and the seemingly-unrelated.  Often the wisdom of our lives comes out to affirm the other, to support the other and to validate the path we are already on. Together we hold a trust that the connection between us is right, that it is powerful, and that our connection generates what is of mutual value to us no matter what it’s content looks like.

This is what Kimaya Kroller-Younger calls Radical Intimacy. The attempt to accept all of what is there in oneself enables us to be more deeply with ourselves.  This in turn enables us to be deeply with others.  Of course we get scared, of course the acceptance is never complete.  But the edges where we stop are also moments to honour the courage it takes to go right up to the edge.  And often that edge can shift simply when it is accepted – by ourselves or by another.

Having created an intimate openness, our work together can then proceed as a collaborative project. They need their tax done, or their admin dealt with, or to know how their profit is going – whatever it is.  I ask if they want to get skilled up themselves, or whether they just want it taken care of.  The project can be anything, and of any duration.  Then we discuss what needs to be done to complete the project, what our skills and respective time constraints are, and then decide who does what and when.

The work proceeds well because we have created an intimate connection.   We have each brought ourselves present – not necessarily in our entirety but very much authentically in the moment.  Our beings resonate intimately with each other – and this enables a smooth working-together.

Last week I had several days which seemed to be a continuous dance of wonderful encounters with clients interspersed with work on collaborative projects.  By the end of the week I felt so full, so blessed to be in connection with such rich beings, and blessed that I have the opportunity to use my abilities in our mutual service.

Truly – the pleasures of an intimate accountant.

Relationship wisdom we can learn from Accounting

Accounting systems make the very sensible assumption that we are human – which means that mistakes are inevitable.  No real human ever does things perfectly. Entry errors, mis-readings, absent-mindedness, distraction all actually happen – not because anybody intends to make mistakes but just because Life is Life and shit happens.

So one of the most powerful steps in the accounting cycle is to check for errors.  The process of “reconciling the accounts” or “doing a reconciliation” involves using a third party’s record of transactions to cross-check your own records.  Most commonly the third party’s records is a bank statement, but accountants will also use the records of customers, staff and suppliers – any party which has dealings with the business and which has a separate or ‘third party’ accounting system.

The reconciling process allows us to locate mistakes, identify how they arose and then fix them.  Because accounting systems get reconciled there is no penalty for mistakes. People don’t get blamed.  Mistakes just get located, identified and fixed.

The same pattern is relevant in relationships as well.  Relationships involve humans, and so inevitably mistakes will be made.  I will hurt you, you will invade me, I will disregard you, you will insult me. Very seldom are these things intended. Mostly we intend to do the best by the other person.  So when I make a mistake it’s not because I’m stupid, or I intended to hurt you, or I don’t really care about you, or any one of the million reasons you can make up.  I made a mistake because I’m a human.

What Accounting teaches us is it’s not important that the mistake has been made.  That’s just inevitable.  What’s important is that there is a system in place to catch the mistakes and fix them.  In other words what’s important is doing the reconciliation.

The reconciliation process involves a third party to me – which in the case of our relationship is you.  You, or your actions, alert me to a mistake having happened. Something’s off in our interacting, and that’s a signal that stuff needs to be attended to.  So we need to identify what the mistake is, and then fix it.  We can do this without blame for the mistake happening in the first place.  Removing blame is a hugely freeing step, which allows us to have much more clarity, and to work together to identify the mistake and to work out ways to fix it.

There’s another possibility here, though: it might not be my mistake.  I’ll use Accounting again to clarify.  Those third parties whose records we rely on to reconcile our own accounts also have their own accounting systems, and so they also make mistakes.  Most banks put a little notice somewhere on your bank statement saying something like “please check all these transactions to make sure you agree with them.”  This is not just marketing fluff – it’s a core part of their own accounting system.

So when I’m doing my bank reconciliation I’ll find a mistake. I check and re-check my own system, using the bank’s records, and after a few iterations I find that the mistake is not mine but the bank’s.  Bingo – I have to tell the bank.

The same possibility occurs in a relationship.  I may feel you’ve done something terrible: I feel really hurt, and so on.  But the only thing we can say with certainty at first is that a mistake has been made.  If I’m reconciling my accounts I tend to assume that the mistake is made by me.  When I’m feeling hurt in a relationship I tend to assume the mistake has been made by you.  But this may not be so.  It takes the first step of a reconciliation process – a back-and-forwards of active listening without blame – to identify exactly what the mistake is.  Only then is it possible to agree on how to fix it and carry out the fix.

Not only does Accounting show us that mistakes are inevitable.  It also shows us that reconciliation is normal.  It doesn’t mean there’s anything wrong in a relationship. Reconciliation is just a normal, routine and standard part of any good relationship.

I love it that there is such similarity between accounting systems and human relationships.  It affirms to me that The World is a fractal pattern, which occurs everywhere.  We are inside the pattern, the pattern is inside us, and the pattern occurs in its entirety in every single aspect of what exists.  Everything is intimately connected.

Identifying our cultural attitudes to money allows us to be empowered

It’s common that people with left wing or progressive values, people in the helping professions, and people involved in personal/spiritual development feel suspicious about money.  At one level this makes sense:  Capitalism is damaging the world in such horrific ways and generates huge inequalities.  And many of our internal obstacles to growth and fulfillment come from pressures to “fit in” to a soulless commercial culture.

But is this really a problem with money? William Bloom, a Fellow of the Findhorn Foundation, points out that money is just a thing in the world. It doesn’t have a morality in itself.  It’s neither good nor bad – it simply exists.  What connects money with “evil” is what we do with it, and especially our attitudes to money.

Western culture contains a profound split in attitudes to money. On the one hand, money is morally dangerous: “the root of all evil”. The biblical question “do you serve God or Mammon?” clearly implies that it is impossible to serve both – it’s impossible to be spiritual and be financial.  On the other hand money is a primary theme in the news, government, and politics, and is often the main measure of how we are going as a society or a nation.  And for many people money is so important that they feel they must compromise their values in order to get it.

William Bloom contends that this is nothing to do with money itself.  Rather, what we are looking at here are the cultural attitudes we bring to money.  We believe that money is dangerous or sinful.  At the same time we believe money is more important than anything else.  Is it any wonder, then, that most of us have “stuff” around money!

Increasingly in progressive circles, however, this split is no longer passively accepted.  More and more of us are refusing to go along with the either/or attitude to spirituality and money.  There’s increasing recognition that it’s crucially important to link money and one’s income to one’s passions, values and path.  This is often a tough call, as it’s common that what one is passionate about is something which doesn’t yet exist – and so it’s inherently difficult to ‘monetize’ it.

Widespread negative attitudes about money mean that many people have not learnt the skills of handling money or finance, doing the accounts or reading financial reports.  But strip away the negative attitudes, and money and finance are just skills – a combination of knowledge and practices that are learnable and teachable.

Of course not everyone wants to learn these things – not everyone has the interest or the time.  Luckily, there are accountants.  But even when you use an accountant it’s incredibly helpful to understand the difference between money itself, the cultural attitudes in which we live, and the attitudes you personally carry and operate within.  In fact it’s more than incredibly helpful; it’s empowering.

Money isn’t dangerous or scary. It’s not inherently anti-spiritual.  Money isn’t vital to our wellbeing.  It just feels that way because of how we are culturally supported to approach it. Making the distinction between money itself and our feelings about it means that when we have these feelings or perceptions about money we can make internal shifts within ourselves, rather than simply acting out in relation to money itself – avoiding money, grasping for it, worrying about it, and so on.

We might still have the same feelings, but being empowered means we also have space alongside those feelings to take new and positive life-affirming actions.  And then everything feels alright!