Six Keys To A Wealthy Mind

I’ve often talked about living in HarMoneyTM, and usually wind up with feedback along the lines of, “I’m stuck in this terrible job and can’t ever get ahead. I’ll never achieve true success.” Or, “If it isn’t one thing, it’s another. Just when I think I’ve moved ahead a few steps, something knocks me back even further!” Or, “I’m riddled with pain, suffering, and disease, and I’ll never be able to make anything of myself because of my disability.” I know all of those statements personally and quite intimately, frankly. So I can honestly say, I’ve been there. BUT… to change your course, you have to believe something is different for you. Click here to discover the SIX keys to a wealthy mind.

4 Habits that Undermine a HarMoneyous Mindset

How often do you read something that resonates with you so much, you can see, hear, and feel its application almost immediately? That’s how I felt when I read an article by Emily Roberts, MA, LPC, entitled, 4 Habits That Hurt Your Self-Esteem.

This article makes a lot of sense. However, I couldn’t help but read it through my eyes, those of a money savvy woman.

Emily Roberts makes a case for each of the following four points, and how they can individually, and when added together, create low self-esteem:

  1. Avoiding adult tasks
  2. Uncontrolled clutter
  3. Putting off people
  4. Waiting until the last minute

Do you get how each of these would bring you down? Just reading this list makes me feel a bit sad and deflated.

She states that the emotions behind these negative habits creates guilt and shame, which ultimately denies someone the joy of their success.

Do you deny yourself joy because of habits and self-talk that undermine your intentions?

When you relate this to money matters, are your poor money habits burdening your self-esteem and undermining a life of HarMoneyTM?

Let’s apply Ms. Roberts’ list specifically to financial matters.

  1. Avoiding adult tasks-Avoidance of your money matters only leads to more money matters. Make it a point to handle difficult tasks first thing in the morning. Whether it be having a difficult conversation, paying bills, or recording transactions, each and every time you perform a money task successfully, that imprint is made in your mind and makes it easier to perform the next time. By addressing the task in the first hour of the day, you’ve knocked out the anxiety around the matter and moved ahead making room for self-confidence and pride.
  2. Uncontrolled clutter-Handle the management of your finances promptly. By disallowing a backlog of filing or scanning, you increase your ability to implement your process, know exactly where you are with your money, potentially get the most deductions when you itemize, and move further towards achieving your goals.
  3. Putting off people-Speaking to those who are hiding from conversations around money, all I have to say on this subject is, “Get on the same page. Talk to each other.” The fear you may be feeling will lessen once you come to realize that in most cases, these conversations are more empowering than disempowering when gone about correctly. Putting them off only creates sleepless nights staring at the ceiling wondering “what if…?”
  4. Waiting until the last minute-In any realm of efficiency, waiting until the last minute admittedly creates anxiety, not just for you, but for those relying on you. In the financial world, it can create monetary consequences. Procrastination can be costly.

Stay proactive and ahead of the game, and address things as they come up. Your confidence will build when you see the progress you’re making. The best reward as you build your future is having the peace of mind of knowing you’re doing everything you can to move ahead, including limiting and eliminating bad money habits.

It’s a great feeling to reach your goals and to experience the joy of personal responsibility and financial empowerment.

By eliminating the four habits above and maintaining a HarMoneyousTM mindset, you’ll move toward your goals even more quickly.

Episode #8 – HarMoney is in the Numbers!

It’s all about how you look at them. Are they guides for you? Or are they weapons against you? Change your mindset and start living the HarMoneyousTM life when you harness the power behind the numbers. You can do great things with this information. Click here to find out just how simple it is to monitor on a monthly and quarterly basis.

Living a HarMoneyous Life in the midst of March Madness

The month of March is upon us and what an eventful month already! Things at Money Savvy Woman are moving right along and there’s a lot to share with you!

First of all, my husband and I are entertaining our beloved Lena Voss from Hamburg, Germany. We met her in 2009 when she came to study in the U.S., along with her girlfriend, Anja. Both of these lovely ladies have been emotionally adopted by us, and we’re blessed to have been able to see Lena nearly every year since.

To wrap up the conversation we had last month on setting achievable goals, for Ron and I, seeing “family” is crucial for us. Lena and her parents, and Anja and Nils are family to us. We do what we have to do to make sure that we can afford to see them as often as possible. Last year, we all met in London. This year, Lena is with us for 10 days, and hopefully at the end of the year we will get to see Anja and Nils. Next year, we will give it our best to make it back over to Europe where we can visit on their territory. It’s all planning, prioritizing, and keeping in line with our values. You can do the same.

Budgeting is the key to making all this happen. Even with our guest here, we have jointly budgeted our meals out and our activities. We know that museums and natural sites are free, if not very affordable, and watching DVDs at home or hitting the matinee (like we did Saturday) is a low-cost way to go. Watching the Oscars was a party in itself where we splurged on bowls of ice cream.

Even finding her “items to get in America” is on the money savvy program utilizing the membership warehouse stores, sales, and outlets. We’ve built shopping around visiting friends and giving our best efforts to minimize expenses while seeing them along the way.

This is truly a special time, and having control over my calendar makes it especially doable. Thank God for self-employment; this is a time when it becomes most appreciated.

As for Money Savvy Woman, I’m rolling out Money Savvy University (MSU) the first week of April (yes, it’s finally here!). We’ll focus on taking the bull by the horns and discovering what your money story is. Also with us that first month will be three awesome coaches, all stellar in supporting you in self-fulfillment.

Kim Somers Egelsee is the most positive person I’ve ever met and will give you tools to overcome negativity when it strikes, Terilee Harrison is a master at getting rid of shameful emotions that keep us from reaching our goals, and De ‘Anna Nunez will provide the motivation to get us moving in a healthy way. These experts are part of MSU to give you the support you need to be the best person you can possibly be while working with your money and living your daily life.

I’m so excited to be able to walk you through the process and provide you with the support you need each week and when you need it through the private facebook MSU community page. Your outlook will change. You’ll meet other folks just like yourself. You’ll see you’re not alone and that you can do it!

Enjoy life to the fullest. That’s why we’re here. I’ll see you all in my next video coming out next Monday. Now I’m off to take Lena jeans shopping and visiting a friend in the San Fernando Valley. God bless!