Posts Tagged ‘financial freedom’

Do it for Love!

More often than not, our money situation dictates how much space we have for love.

Ever notice that, when you have enough money in the bank and all your bills are paid, you are happy and available for connection? On the flip side, when we have unmet financial obligations, we are likely to feel tight, uneasy, irritated, distracted ~ trapped in a very small world. When the walls start closing in, we have little time or attention for anything outside that which we absolutely need. We are in survival mode. Fight or flight.

I’m here to tell you ~ by facing your finances and taking care of your bottom line, you’ll have more space for love in your life. Guaranteed.

How do you calculate abundance?

How do you calculate abundance?

Treat others as you would have them treat you.

Give that which you would like to receive.

Receive that which you have already given.

Return that which you have not earned.

Refuse that which is given if you have not done enough to deserve it.

Commandments from the Bible of Debt Consciousness. A little slippery, don’t you think?

If I GET REAL with how I’m showing up these days, I have to admit that I keep tabs on my life ~ I make sure that I don’t take more than I give. Exhausting? You bet. A barrier to receiving money? Uh-huh. And you know why? Because the energy I generate in one area of my life infiltrates every other part of my life.

Example: My husband offers to massage my shoulders. I say “Oh, no, that’s okay… I’ll be fine” because I haven’t been very nice lately OR because I don’t have the energy to reciprocate. Seems reasonable to me. Just making sure that I’m living in balance.

Not so. I THINK I’m equalizing the giving and receiving, but what I’m really doing is shutting the whole process down entirely. I end up living in a tit-for-tat world where I allow things (love, attention, gifts, and MONEY) into my life by MY arbitrary choice, dictated by whatever ideas I have about self worth and deserved-ness. How limiting and controlling! Audacious, really!

The same energy that has me deny my husband’s offer impacts every other offer that comes in. Based upon my limited view, I allow only that which I can give back or reciprocate. That leaves me with a zero balance. Equal ~ to NOTHING. How can I ever have more? More love, more fun, more money?

Abundance has no end, has no limits, and can’t be measured on a scale. Keeping tabs might work in the restaurant business but it no place in MY business.

Time to stop the tally. Care to join me?

Money is one of those things in life that you can actually take at face value. You can trust it to be exactly what it says it is ~ every single time! There is no gray area, no pretending, no illusion. It is what it is.

A dollar is a dollar no matter the circumstance or emotional state you’re in. If you have $150 in your wallet, THAT is how much you can spend. You can’t squeeze another dollar out of a twenty. You can’t wish a dime into becoming a quarter. Money shows up for you exactly as-is every time.

The only problem with money is US. Many of us enter into money relationships with mistrust, misunderstanding, and fear. We attach unproductive thoughts, feelings, and perspectives onto money. “I hate money.” “I don’t have enough money.” “I can’t figure out money.” “I can’t keep track of money.” “Money makes me crazy.”

Money is just money. It doesn’t DO anything or BE any certain way. How exciting! We don’t have to guess, hope, interpret or wonder about money. Money is something we actually have influence over. We can manipulate it, move it around, give it away ~ anything we want. And it still shows up as money.

I, personally, spent too many years believing that I couldn’t understand money; money was a problem I would never solve. But when I started to see money for what it is instead of what it isn’t, I started to feel my feet on the ground for the first time. I stopped wishing that money would somehow change and I started to change myself instead.Walking up a mountain is a lot easier when you feel the earth under your feet!

Money is solid. It’s real. You can count on it. Only every time.

“Getting Real With Your Money” often requires a daily integrity practice. It’s so easy ~ and not uncommon ~ to reward yourself “just a little” for being such a good girl with your money! I call this “The Fudge Factor”. You “fudge” just a little thinking it won’t make a big difference and, really, who’s gonna know?

A Little Liquid Fudge Anyone?

A Little Liquid Fudge Anyone?

Sometimes, after days of conscious spending and taking care of my financial affairs with attention and conviction, I deem myself worthy of a gift. This morning it was a latte. My rationale: I’ve been SO responsible lately that spending a little money on myself is deserved and won’t break the bank.

Early in the “Get Real” program, these so-called rewards (or pieces of fudge) can easily lead us back into familiar patterns of unconscious spending, feeling ashamed, and avoiding the issue ~ sending us right back into the territory of “hoping it will all work out”.

Integrity is about keeping your word. And in matters of our money, it’s all about keeping your word with yourself. Money has only everything to do with YOU and it’s YOU you have to answer to.

For me, it’s a slippery slope. This morning’s latte isn’t that big of a deal but I notice that I’ve been thinking about it. A lot. Why? Because I have an agreement with myself to limit “fudge” from my spending in order to pay off just a little more of my credit card bill. Spending $2.75 on a delicious drink leaves me with $2.75 less to pay down my balance. One piece of fudge won’t likely break the bank but, if it sets me off on a pattern of spending, it just might break my spirit.

This is not about being worthy or deserving of something. By “Getting Real With Money” I am no longer internally codependent. I am a grown woman who makes choices based on what I want in my financial life ~ no more, no less. No emotional baggage or undercurrent, just another choice to restore my self integrity.

To fudge or not to fudge?

What’s your fudge factor?

Are you living the life you want for yourself? If not, do you find yourself saying things like…

• I wish I could live in (a certain type of house).
• I wish I could go on (tropical island of choice).
• I wish I could buy _______ for my family.
• I wish I could go ________ and do ________.

If you find yourself wishing you had things that you can’t seem to afford, it might be that you haven’t  identified the underlying reason for wanting these things. More specifically, you haven’t realized that, in order to begin manifesting or creating the life you really want, you have to know WHY you want the things you want.

There’s something magical that happens when you know (and state) your WHY. Let me give you an example and then a simple activity to start manifesting your dream life immediately (yes, immediately).

Let’s say you love to eat organic foods but you find them expensive so you only buy a limited amount of them on your monthly budget. The ‘why’ behind this want is…

• Because I value my health highly.

This now becomes one of your powerful WHYs. You use a WHYs as a motivator to keep you moving toward your goal, especially when you get tired, overwhelmed, feel lost or helpless. Staying focused on your goal (or goals) helps keep you on the path to that life you keep saying you want for yourself.

Here’s a simple, but profoundly effective, activity to do on a regular basis. Stop right now, get a piece of paper and your favorite pen or pencil. Write on top of the page…WHY I WANT MONEY! You don’t have to have a set amount, but you could do that as a next step. For now, just start getting your WHYs down on paper.

Once you have done this activity (and remember, if you don’t do it, it won’t work), put this piece of paper somewhere you can see it during the day. Also, make it easy to modify and add to. Do NOT type it. Put it in your own handwriting…there’s also something magical about writing by hand.

OK, that’s all for now. Get your Why List started and then watch what unfolds. You’ll be surprised at how things begin to happen. Have fun with this! And keep us posted!

Coaching women over the past several years in getting what they want in life has been interesting, satisfying and fun and there’s one thing that keeps women stuck more than most…or so it seems.

What is that one thing? The fact that women seem to struggle more than men when it comes knowing WHAT they want and then determining WHY they want it. Perhaps it goes back to caveman/cavewoman times when what we wanted wasn’t so tangible…strong man, healthy children, safety, enough to eat, berries that were sweet, a clan of girlfriends to help with the chores and the child rearing.

For whatever reason, though, when women DO figure out what they want and then uncover a powerful WHY behind what it is they want, whatever they want virtually can’t NOT happen.

Here’s a little video I did on Finding Your Why. Hope you enjoy it. Please leave a comment to tell me what you thought and what you want more information on.

This was sent to me this morning by one of my many ‘internet friends” and I enjoyed it so much I am posting it here for all to read. I have no idea who penned it.

A carrot, an egg, and a cup of coffee…You will never look at a cup of coffee the same way again.

A young woman went to her mother and told her about her life and how things were so hard for her. She did not know how she was going to make it and wanted to give up, She was tired of fighting and struggling. It seemed as one problem was solved, a new one arose.

Her mother took her to the kitchen. She filled three pots with water and placed each on a high
fire. Soon the pots came to boil. In the first she placed carrots, in the second she placed eggs,
and in the last she placed ground coffee beans. She let them sit and boil; without saying a word.

In about twenty minutes she turned off the burners. She fished the carrots out and placed them
in a bowl. She pulled the eggs out and placed them in a bowl. Then she ladled the coffee out and placed it in a bowl. Turning to her daughter, she asked, ‘ Tell me what you see.’

‘Carrots, eggs, and coffee,’ she replied.

Her mother brought her closer and asked her to feel the carrots. She did and noted that they were soft. The mother then asked the daughter to take an egg and break it. After pulling off the shell, she observed the hard boiled egg.

Finally, the mother asked the daughter to sip the coffee. The daughter smiled as she tasted its rich aroma. The daughter then asked, ’What does it mean, mother?’

Her mother explained that each of these objects had faced the same adversity: boiling water.
Each reacted differently.

The carrot went in strong, hard, and unrelenting. However, after being subjected to the boiling water, it softened and became weak.

The egg had been fragile. Its thin outer shell had protected its liquid interior, but after sitting through the boiling water, its inside became hardened.

The ground coffee beans were unique, however. After they were in the boiling water, they had changed the water.

‘Which are you?’ she asked her daughter. ‘When adversity knocks on your door, how do you respond? Are you a carrot, an egg or a coffee bean?

Think of this: Which am I? Am I the carrot that seems strong, but with pain and adversity do I wilt and become soft and lose my strength?

Am I the egg that starts with a malleable heart, but changes with the heat? Did I have a fluid spirit, but after a death, a breakup, a financial hardship or some other trial, have I become hardened and stiff? Does my shell look the same, but on the inside am I bitter and tough with
a stiff spirit and hardened heart?

Or am I like the coffee bean? The bean actually changes the hot water, the very circumstance
that brings the pain. When the water gets hot, it releases the fragrance and flavor. If you are like the bean, when things are at their worst, you get better and change the situation around you.
When the hour is the darkest and trials are their greatest do you elevate yourself to another level? How do you handle adversity? Are you a carrot, an egg or a coffee bean?

May you have enough happiness to make you sweet, enough trials to make you strong, enough sorrow to keep you human and enough hope to make you happy.

The happiest of people don’t necessarily have the best of everything; they just make the most of everything that comes along their way. The brightest future will always be based on a forgotten past; you can’t go forward in life until you let go of your past failures and heartaches.

When you were born, you were crying and everyone around you was smiling.

Live your life so at the end, you’re the one who is smiling and everyone around you is crying.

May we all be COFFEE!!!!!!

I thought I was seen as pretty easy going until one of my friends called me Miss Resistance Pants. It would have been funny if it weren’t so true. Have you ever thought you were hiding a part of yourself from people and then found out everyone was seeing you that way all along? Cringe.

But it turned out to be an aha moment. I realized that I resist most everything. In fact, resistance was like a natural state of being. I almost didn’t know any different. Resistance had me constantly looking for what wasn’t working. And it was showing up as edgy, confrontive, negative, controlling. Yuck.

It was pretty obvious that all the “tightness” was just a cover  for what was underneath… fear, vulnerability, not knowing, feeling stupid, feeling like I had no control (which I don’t!)… a whole lot of bottled up emotion that I was doing my best to hold back.

Resistance was keeping me from enjoying my family, admiring my kids, being creative, and realizing my wealth potential. 

First step? Let it all out. Remove the resistance and let the flood gates open. And I did. I cleared the space with a good, deep cry. And, after that? Appreciation,  new ideas, renewed confidence, and a softer me. 

I don’t have any more money in my bank account (yet) but I sure feel the abundance of my life again.

A good cry. I think I’ll have to put it in my calendar on a regular basis. Cry me a river, baby!

Finer Things by Steve Winwood

Imagine that it was commonplace for children to be exposed to a myriad of career opportunities relating to each new discovery of something interesting? Imagine growing up in a culture where we naturally make money doing something we really love?

Imagine a teenager enrolling in Finding Your Genius 101 where an entire year is spent discovering their true talents? Then enrolling in Working Your Genius 202 (or Your Genius Working for You:-) where they are given options about how to use those talents to make money as an adult?

genius

Imagine millions of adults loving what they do each day instead of dreading their j.o.b.s, where the thing they look forward to the most is Hump Day and TGIF?

In the past few decades, more and more people have considered the concept of actually enjoying what they do to make a living: to put a roof over their heads and food on the table. Today, this idea of fulfilling a mission or self-purpose is driving one of the biggest industries in the U.S. ~ personal development. We’ve all seen the ads for the following seminars:

“Make Money Doing What You Love”

“Passion and Profits”

“Loving What You Do”

“Do What You Love The Money Will Follow”

“The Money Follows Your Passion”

On and on it goes. People are drawn by the thousands to seminars, books, classes, speakers and online programs because they are sick of what they are doing, working day after miserable day knowing in their guts that there has to be a better way.

So, what if we started empowering our kids with this ‘better way’ and prevented them from falling into the TGIF habit of numbing their misery at the end of each work week? And, what if YOU were the one doing the empowering?

Hold on to that question as I take you back in time.

In the beginning, there was a cave. A place to get out of the weather, protect that which you claimed as yours: children, cooking implements, weapons, dried meats, herbs, and probably a whole lot more.

With each rising sun came a brand new day of hunting, cooking, eating, caring for the ‘gang’ which often meant keeping them from being eaten and just plain surviving.

At least this is the vision I conjure up when I think about my cave-dwelling ancestors. Each person had ‘a job’ to do. It was either gender based (hunting, killing, protecting for most men or cooking, cleaning, child-tending for most women) or based on one’s natural talents (healing, herb, weapon crafting, bowl weaving, carving).

There were no paychecks per se, simply the right to be part of the whole, which would then, in turn, provide and protect your well-being as a member of that whole.

As time went by, society became more mobile and people more independent. We created teepees, tents, lean-tos, cabins, castles with moats, mobile homes (in case you decide you like your house but not your neighbors) and finally, the ultimate mobile dwelling, the motor home where you just hitch up your portable house and live where ever you wish.

Things were good. Only one problem: as the ability to move about the planet became easier, the ability to keep doing our ‘jobs’ became a wee-bit more challenging.

Since we were no longer part of ‘the gang’ we often had to take on work simply because we needed the money. After all, basic survival (cave or no cave) generally dictates that food be somewhere in the picture.

As we became more and more mobile, we also became more and more specialized in what we did for a living. Somewhere in there, someone decided we should choose what we want to ‘be’ when we grow up. Once we got that figured out (if we ever did), we simply go to college to learn how to ‘be’ that thing, graduate, get a job, work until we can hopefully retire (also made up) and there we had it: A life well done.

YUK!

Antidote: the idea that work can be an expression of our passion or this thing we’ve labeled ‘our purpose for living.’ Now that we’ve convinced ourselves, or had the outside world convince us, that we can actually be happy each day, living our dreams, fulfilling our purpose, using our passion and natural talents, filling a void of some sort, making the world, and people’s experience of it, a better place, where do we go to figure it all out?

Where do we turn to:

“Make Money Doing What We Love?”

“Turn our Passion into Profits?”

“Love What We Do?”

“Do What We Love and Have the Money Follow?”

“Have Money Follow Our Passion?”

Well, that is the proverbial $64,000,000 question.

The answer? A few more questions!

What is my natural genius?

Howard Garner, who wrote Multiple Intelligences, understood long time ago that everyone had a genius. He labeled them spatial-visual, linguistic, interpersonal, musical, naturalist, bodily-kinesthetic, intrapersonal, and logical-mathematical. Problem is, we’re not routinely tested for all of these geniuses in school so we grow up thinking we are dumb, not talented, or worse.

What are the things I love to do?

Think about the activities you do where you lose track of time, forget to drink water or go to the bathroom; activities where you are so absorbed you lose yourself in them. These are the things you’ll first want to explore in terms of creating a life where work won’t seem like ‘work’ at all!

What are my talents?

In other words, what are you really good at? What could you become an expert at? What would you love to be paid to learn?

What would give me a sense of purpose?

What would cause you to jump out of bed each morning, excited to see what the day had in store for you? What are ways you would like to help others or help your community, or the planet?

When we’ve answered these questions, we can begin to explore our natural genius, the things we love to do, our talents and our purpose (and, by the way, there isn’t just one) and turn these into making not just a living, but a LIFE.

Now, let’s go back to empowering children to find that ‘better’ way.

That class they need, along with Finding Your Genius 101 and Working Your Genius 202 is Financial Literacy for Life, an ongoing course of study ideally beginning somewhere around the 5th grade (but available for everyone at any time.)

In addition to encouraging children to grow into their natural genius, to do more of what they love to do (aside from texting all day!), helping them to develop their emerging talents and identify passion and purpose, financial intelligence gives them the tools to live in the world successfully.

Imagine the difference this would make in each child’s life, in their future, in their choices, in their results, in their families, and in their relationships.

Imagine that YOU were responsible for making this happen for every child you possibly could?

Imagine using YOUR natural genius, those things YOU love to do, YOUR talents and expertise, YOUR purpose(s) in order to make a difference in someone’s life, young or not so young? It would be “personal development” at its finest.

Financial literacy for kids and adults. It’s our genius, our reason for getting up in the morning ~ quite simply, what we love to do here at Creative Wealth!

If it’s yours, come join us in living a life with passion, and beyond. If it’s something else, we completely support you on your quest to never work another day in your life as well.