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Your Money….Is it Working For You Or Against You?


Greetings, everyone! I just had the pleasure of spending eight days at CEO Space International. It was an awesome experience. I went with an open mind hoping to get more clarity around a strategy to launch my new book, “HarMoneyTM: A Step-by-Step Guide to Your Money… Your Rules, Your Way!” which focuses on the mindset around your money habits. But, boy, did I ever come away with so much more. While at CEO Space, I kept getting hit with the same theme over and over, “What message are you putting out there?” And it got me thinking… “What message am I putting out there?” I’ve always held myself out as a comprehensive financial planner, one that is able to “put all your financial puzzle pieces together to give you the most bang for your buck.” And I do it well, very well. But that message never resonates well with those I’m speaking to. And this is why I LOVE CEO Space International, because it was there that I was able to figure it out. It was Greg Reid who gave me the most valuable advice of any I sat with. After he got me to calm down, because that place had me wound up like a top, he told me to “own my space.” I had to think about it for just a second, but I knew almost immediately …communication around money is my gift. It’s on every page of my book. As his mantra of “Own it!” rang through my head, clarity was dialed in and all the negatives faded away. My heels hit the floor in a way they had never before. Now, when my hand hits a door knob, I secretly say to myself, “Own it!” and I’m right where I should be. I started telling the fellow attendees, “I help people get their internal and external conversations in alignment with their goals saving them costly mistakes and marriages from divorce,” well before I ever mentioned I was a CERTIFIED FINANCIAL PLANNERTM Professional-and the results were quite literally astounding. Speaking engagements, clients, and inquiries started pouring in. People started texting me for my book! . So, let’s shift this over to the money conversation. What are you telling yourself about your money?

    ~ We don’t have enough money. ~ Everything takes money. ~ Retirement will never happen for me! ~ We’ll always struggle!

Do any of these sound familiar to you? You can change them very simply by replacing them with a different message, a positive one that will make you FEEL better just saying it, a message that’s in alignment with who you are and where you want to go. Even if you don’t know HOW it will come to be, say it will with all the feelings AS IF it already has. Try one of these on for 30 days, saying it at least every morning and evening, more often as you remember to do so:

~ Money flows to me easily and effortlessly. ~ I have all the money I need when I need it. ~ My retirement is fully funded and I am comfortable living the life I dreamed of.

In wrapping up, Berny Dorhmann was speaking to a little, tiny, 4-year old girl at CEO Space. He asked her, “what do you want for our world and what do you believe in?” Her answer? “Peace, love, and pixie dust!” Somehow, I don’t think her money messages will be tied up in scarcity and lack. If your money messages are bound in negativity, sprinkle a little pixie dust on them so they sparkle fresh and anew with peace and love. If you need some help rewriting them, I’m here for you. We can get you in alignment with your goals, so your actions follow, and the results are winning. That’s what I do. Remember, it’s your money, your rules, your way!

You Want WHAT?


new mindset check list illustration

As I was wrapping up my day my phone pinged. Being ever attached to the thing, I looked. There it was …a request for prayer. My girlfriend’s son had broken some bones, was in terrific pain, and sitting in the Emergency Room waiting for help. She made the usual requests for God to be with her son, to reduce the level of pain, for the doctors to be the medical wizards we need them to be, and for her son to survive the resetting of the bones. But she couldn’t help to include her fears and worries as his mom knowing his birthday was around the corner threatening, if not abolishing the high adventures he had planned, and all the other anxieties accompanied with foreseeing what was yet to come.

Of course, prayers started flying in and around “our” beloved boy in seconds. I put the phone down and continued my litany of prayers for him, others, and myself. It felt safe and comforting to keep God close by while things seemingly flew into chaos. I felt peace and calm.

This morning, I woke up an hour before my alarm—that’s always nice. I was up and ready to rock, so that’s what I did. As I took my first sips of my ritual cappuccino, I picked up my phone to check on you. There was a 4-in-the-morning, adrenaline rich, post from a weary mom—my girlfriend giving us a status update because she couldn’t sleep.

She thanked us for the miracle of prayer and how her son’s pain was almost immediately lessened. She thanked us for the x-rays being successful the first time they were taken (for any of you who’ve broken a bone, you know how excruciating that process can be). She thanked us for the wonderful doctors and the fact that her son was resting peacefully. But the next part made me sit up straight.

She thanked us for the graces granted her son and the gift of this fracture. She believed that he had been saved from something or diverted in the direction he was meant to go instead of continuing down the path he’d been on!


You know me… I’ve been studying mindset, expectations, adversity and how we can whip ourselves into shape so happiness can be realized, and she’d done just that. She’d taken this nightmare that’s going to affect her and her kiddo for the next six to eight weeks for sure and turned it into a “gift.”

Wow! What is that?

It’s equanimity, folks. The dictionary defines it as “mental calmness, composure, and evenness of temper, especially in a difficult situation.”

What it isn’t is …spiraling down into a drama-filled vortex of pity, anxiety, and anger.

Why would we want equanimity? Because it’s the key to happiness …or at least regaining happiness in a challenging situation.

I’ve stressed that our choices are what mold us and shape our days. How we choose to handle situations is also what directs our outcomes and results. We can react or respond. The dictionary defines “react” as to “respond with hostility, opposition, or a contrary course of action to [something.]” It also defines “respond” as “to say something in reply.”

Now I don’t know about you, but if I had to choose between reacting or responding, I’d choose the latter. When I hear “react,” I think of allergies, sadness, disappointments, and anger. The act of replying or responding feels more like a conversation, or at least the potential to move forward.

So, why would a money lady be sharing this with you today? Because mindset has everything to do with your financial success. How you react or respond is up to you …the choices you make with your money are always yours. If something happens that sets you back on your heels, what do you do? Do you react by spending on impulse (like dinner out cuz you can’t handle the stress, or buy those shoes cuz you deserve them, or grab those wheels cuz you’ll feel better with a tricked-out ride? Or do you respond with a plan of action that, yes, reroutes your original plan but may actually be a “gift” in disguise?

Remember equanity.
Practicing equanity with your money and your life will deliver more happiness if you let it. Finding a gift of grace in a broken wrist is equanimity. (Thank you for reminding me, girlfriend!) Where can you find your equanimity?

Remember, it’s your money, your rules, your way!

You can do it! I believe in you!

Money Savvy Woman, Inc. © 2015

Waiting for the Other Shoe to Drop?

Courage Fear Switch Shows Afraid Or Bold

Greetings, my friend. And thanks for taking a few moments to read this short, little blog. See, today I don’t have a lot of time—like, do YOU have a lot of time? My point exactly. But I feel compelled to get this off my chest NOW in the few minutes we have.

Lately, my life have become challenging. It isn’t like it was a bed of roses before, yet, today it’s a bit like juggling more than the usual knives and plates. A few chain saws have been thrown in. Has your life seemingly spun out of control, too?

Due to a slip and fall, a couple bouts of bed-riddening flu, and now, a couple “abnormalities,” I’m wondering if I’m ever going to get my sweet, safe, and sane, little life back. What’s going to happen next? Have you ever felt this way? Are you waiting for the other shoe to drop?

Well, I was there too, just a few minutes ago. But I met with one of my coaches, who’s also a spiritual leader. We had a very honest conversation about the challenges being faced. This is what I walked away with:

  • Life isn’t easy …it’s messy. And if you have any doubt, refer back to Jesus praying in the Garden of Gethsemane (Matthew 26:39). It was then that His humanness came fully forward and He begged His Heavenly Father to “take away” what He knew was going to be a lot of shame, suffering, and pain. We, too, can face our fears, pains, and sufferings, and turn them over to God. We’re not in this alone.
  • Christ resigned Himself to fulfilling His purpose here on earth. As difficult as His next steps were, He ultimately gave His life as that was the purpose He was here to fulfill. What is your purpose? What are you here to do now? Are you going to allow fear, distraction, or anything else deny you your ultimate purpose? What if moving through this challenge helps you to identify your purpose? You can’t stop now… neither can I!
  • Christ was rewarded, (as we are), and is seated on the right-hand side of God the Father. Perhaps the reward I’m looking for is more immediate (and humble, as opposed to saving the world), such as, getting a text or email from you saying, “You inspired me to do this …!” What rewards will you reap for moving ahead and through the adversity?
    Write them down now. Look at the “rubies, emeralds, sapphires, and diamonds” you stand to give up if you don’t persevere!

Forget about the other shoe …I am. I’ve got too much to do for YOU, my clients, vendors, and associates. God has given me the mantle of my mission. Do NOT allow yourself to be derailed by a penny on the tracks. Will you?

Here’s what the Bible says about persevering:

  • Hebrews 12:1: Therefore, since we are surrounded by such a great cloud of witnesses, let us throw off everything that hinders and the sin that so easily entangles. And let us run with “perseverance” the race marked out for us. (NIV)
  • James 1:4: Let perseverance
    finish its work so that you may be mature and complete, not lacking anything. (

Trust in the Lord with all your heart and lean not on your own understanding; in all your ways, submit to Him and He will make your paths straight! That’s Proverbs 3:5-6, and a mantra of sorts for me, and so I want you to make it a mantra for YOU.

Stop worrying about what might or might not be. Take your focus off your situation and put it on your purpose. God made you perfectly perfect to do what you’re here to do. Don’t let the enemy steal that from you.

Go in peace. Keep the faith!

You can do it! I believe in YOU!

Money Savvy Woman, Inc. © 2015

Wanna Kick Discouragement to the Curb?

Discourage Or Encourage Keys To Motivate Or Deter

Do you ever feel like the carpet is being pulled out from under you just when you think you’re making progress? Or that you wonder what’s going to happen next in a series of mishaps?

You are so not alone!

Things were going pretty good this year. 2015 was off to a great start. My hubby and I were happy. The house was in good shape. We were on a healthy path to releasing unwanted pounds. And all my business plans were falling into place.

But then things changed. I took a spill and really injured myself. Everything I touched, and I mean EVERYTHING (emails, remotes, cell phones, laptops), seemed to not work. And then, as a woman who seldom gets sick, I got the stomach flu!

I found myself asking God, “Why would you let me get all these plans in place if I’m not meant to follow through?” The answer I got was LOUD and clear… I was fighting the demons of distraction and discouragement! God’s intention is for me to do everything He’s put before me.

In Joshua 1, verse 9, we’re told, “Be strong and of a good courage; be not afraid, neither be thou dismayed: for the LORD thy God is with thee whithersoever thou goest.” (KJV).

What is discouragement? According to Google, it means a loss of confidence or enthusiasm; dispiritedness.”
he Bible, however, interprets it differently. The biblical definitions are “to neutralize, make you of no effect, stop you in your tracks, preventing you from accomplishing your task, to break down by confusion and/or fear, and to become disheartened.”

When I think of what my purpose and mission is, and I believe that God has divinely appointed me to serve you by bringing you inspiration, education, and application of money lessons, all of a sudden, I don’t feel like feeling sorry for myself anymore. To be honest, I feel angry—angry that the enemy would try and stop me from fulfilling my purpose and depriving you what you need from me with these distractions.

As I write this, I have a waste basket next to my desk chair in case I get sick again. It’s there in defiance, (as much as necessity). See, I felt like my stomach flu had left me as a slowly started my morning. I did a few things without any symptoms whatsoever—reprogrammed my t.v. remote, cleaned up my kitchen a bit, drank a cup of coffee and held it down. It wasn’t until I thought, “I’ll write the blog for this week,” that my stomach turned, my brow started sweating, and I thought …”oh boy, maybe it isn’t over!”

Now I cannot deny I’m ill and that I need to rest. God knows I slept 12 hours in the last 18, I cannot sleep anymore. But would I rather watch the t.v. and try to block out my queasiness, or write this blog? I’ll take the later, thank you.

It’s my belief that the demons of distraction and discouragement are trying their best to take me off my game. But I’m still going to write this blog! I will not be derailed!

When you face adversity and distractions, ask yourself, “Is this worth giving up my good mood, my effectiveness, and my intentions to do what I set out to do?” I know when my email went crazy, I knew I was in a fight, a spiritual warfare of sorts. I told my assistant, “Just stay with me. I’m not going to lose my patience or my good mood. This email is going to get to you, just let me know when it arrives.” It took seven attempts to get that email to her, but I won. The one email that all our work for the day was hinged upon finally got to her after four hours of working on it. (Mind you, every other email I sent that morning arrived without delay—many of them to the same assistant!)

The enemy is sneaky and cunning. Taking you off your game by distracting you by any means is one way it wins. Discouraging you is another.

If you find yourself staring into the bottom of a wastebasket, like I am right now, ask yourself how you can turn it around? Here are a few ideas to get you back on your game:

  1. PRAY.
  2. Give thanks for what you’ve got going on that IS working.
  3. Take steps to accomplish what you set out to do in the first place.

I’ve found that prayer neutralizes angst. Giving thanks fills your heart with joy and other wonderful feelings. Taking steps towards your intention allows you to take your time and life back from the enemy. Even if you can only do one little thing and have to take a rest, you’ve still moved ahead.

You’ve just turned things around for the better. Eventually the enemy will tire and move on to someone who will fall and allow themselves to be defeated. But that’s not YOU! Congratulations!

When it comes to your money, this is an area the enemy LOVES to hang out in. So do the same things: Pray, give thanks, and move forward. This approach will take the enemy out of play

You can it! I believe in YOU!

Money Savvy Woman, Inc. © 2015