, ,

Running on Empty? 3 Tips to Actually Find Calm on the Go











A couple Sundays ago, I sat in church and was bowled over by all the messages I received about God being there for us 24/7. The problem is …we’re not there for God.

Yep …let that sink in.

A lot of what Father Cronin said made complete sense …yes, I was running around like a top spinning endlessly until I fell on my side, immobile. Or if I’m going to be honest, I AM exhausting myself in the name of “supposed to.” Can you relate?

I was reminded of God taking rest on the 7th day. Yet, that seldom happens for me. How about you? Do you always put everything or everyone before yourself?

For some reason, giving Him 2 hours on Sunday morning with a pit stop of prayer each morning and evening was my repertoire. Why do we do that?

Yes, I know things need to change, but “slowing down” isn’t easy for me. How about you?

Which begs the question …slow down for what?? And…why am I talking to you about it now?

Because I know I’m not the only one making these choices. Right?

And the fact remains that choice is what rules the day.
Are you ready to make some different choices?

I am. I admit it. It’s a struggle. But let’s face it …it is what we make it.

As long as we keep the unsatisfactory line-up of priorities as more important than what feeds, nourishes us, and keeps us strong, then we are less than what God intended us to be.

Doubt, fear, shame, guilt, and worry are simply a waste of our time and weapons used against us to keep us from attaining what really soothes and satisfies us. (For the record, we are probably our own worst enemies of wielding these particular weapons against ourselves.)

So why do we sign up for shoulda, coulda, woulda over and over again?

Answer is…

Because we’ve quite simply programmed ourselves. You’ve heard it said, “21 days of consistent behavior will create a habit.” How long, exactly, have you been doing the same things over and over that aren’t delivering joy, satisfaction, and rejuvenation? I’ll bet it’s longer than a habit-forming, 21 days!

I confess!!! For me? Things seriously need to change. I cannot keep burning the candle at both ends and be in any condition to serve anyone, let alone our Lord.

Do you need a respite of calm, a few minutes of true connection with those you love? I do, and I’m ready to do something about it.

Father Cronin urged us all to slow down. Unplug from the chronic commotion and pause. Pause long enough to wait on the Lord. To hear His voice. To gain a little peace by taking our foot off the pedal, so to speak, to stop and smell the roses. Since we’re all constantly on the go, he suggested putting our electronics down and using time spent in the car for the following:

  • Conversation with our friends and family,
  • A place where life lessons can be shared, taught, and discussed with our kids,
  • If alone, a place for stillness and prayer.

He also suggested having a no-electronics zone—like meal times and “outside” time where time is spent in nature …even if you simply lie on the lawn and watch the clouds.

I’m ready for a change, are you?

Let’s do it! Share your ideas below with each other. Let’s gain a little calm while connecting with those we love, including our Lord.

You can do this… I believe in you!

MoneySavvyWoman, Inc. © 2015

, , , , , , ,

The Magic of Your Money Mindset


When working with clients, the first step in designing a financial plan is getting to know them. What is it they want for their lives? For what purpose are they earning money? And most importantly, what are they doing now to get there and why do they feel they need me?

They’ll explain how they have some, if not all, of the pieces to their financial puzzle. But what’s frustrating them is they can’t figure out why they can’t get the puzzle together. After listening to their stories, the culprit usually identifies itself clearly to me, yet remains hidden from them.

The culprit is their mindset. “Having the right mindset is the first and foremost attribute required for every entrepreneur,” says Maryjean Howe in her online article, “Why Mindset Is Important to Every Entrepreneur.”

You may say, “Renée, I’m not an entrepreneur. Why is it so important to me? I just have a job?” THANK YOU for asking! You need to change your point of view, your perspective, on how you look at managing your money. Your money IS your business. It’s the business of YOU. So, start taking it as seriously.

What is mindset and why is it so important to getting what you want, really want with your money? According to Dictionary.com, the definition is:

A fixed mental attitude or disposition that predetermines a person’s responses to and interpretations of situations. An inclination or a habit.

People can be aware or unaware of their mindsets,” according to Carol Dweck, author of Mindset: The New Psychology of Success, “but they can have profound effect on learning achievement, skill acquisition, personal relationships, professional success, and many other dimensions of life.” Mindset is the key to success for our sports icons, business leaders, celebrities and rock stars. They all expect the most of their efforts—so should you.

Why it’s important to be aware of your mindset is because based on what you think, that’s what you get. Simple as that. It’s your perception of yourself. You get what you focus on. You reap what you sow, so to speak. If you learn one thing about money, please remember it starts with your mindset.

Dweck has determined there are two types of mindsets, fixed and growth. One with a fixed mindset believes that their basic abilities, their intelligence, their talents, are just fixed traits, they can’t be improved upon or surpassed. They believe their talents will naturally bring success—without effort.

It’s that last part—without effort—that gets me and I want you to get, too. EFFORT is mandatory! EFFORT is required! You just can’t have a fabulous job and expect your money matters to take you on a magic carpet ride of success without effort! You have to manage your money after successfully earning it.

She goes on to state, “In a growth mindset, people believe that their most basic abilities can be developed through dedication and hard work—brains and talent are just the starting point. This view creates a love of learning and a resilience that is essential for great accomplishment.” 

So why am I telling you all this? Because your mindset is the launching pad to your financial success. I’ve watched every client win, lose, of stay stuck due to their mindsets. A fixed mindset won’t take you where you want to go financially. So here are three tips to getting and keeping your Savvy Money Mindset.

3) Take Ownership of where you are now. Whatever happened to get you where you are currently, happened. If you’re happy about it, congratulations! You seriously deserve a round of applause. However, many of you will not be happy with where you’re at. When you ask yourself why, what answers do you get? Is there a reason, excuse, cause, or combination of those that keeps you stuck where you are?

Ok. Enough. Stop blaming everyone else! It’s time to accept whatever the story is, get over it, and get on with it. If someone did something to you that’s caused you pain, accept the facts of the matter, forgive them and move on. If you did something that’s affected you financially, deal with it. As an observer, look at the situation objectively. Decide what worked, what didn’t, and what needed to be done differently. Learn your lesson, forgive yourself, and move on!

No one can do this but you. It’s time to take personal responsibility. Free yourself of the mental junk weighing you down. Get on board with a positive, growth mindset and make the most of your money.

2) There is no short cut. There is no magic pill, magic talent, or magic materialization. We can only reach and achieve our goals by taking the journey to get there. Yes, you can walk, run, drive, sail, train, or fly towards your goals. The choice is yours. And the key to that acceleration is the magic of your mindset.

Having a “can-do,” positive, growth mindset, that seeks out the challenges and takes them on as if they were a game, will help you stay on the path towards success. Life is a lot like a rollercoaster, full of ups and downs. Finding ways to persevere keeps you focused on your goals. Believing that there will never be enough money, you weren’t meant to be wealthy, money is hard, and it will always be a struggle is your fixed mindset rearing its ugly head, suffocating you with limiting beliefs that will undermine and keep you stuck. That’s practically a guarantee.

However, use your Money Savvy Mindset to acknowledge that whatever step you’re currently taking today has you one step closer to your goals than you were yesterday. Make the journey fun. Don’t deny yourself the fun of the adventure.

1) Begin with yourself. Begin NOW.
“In a growth mindset, people believe that their most basic abilities can be developed through dedication and hard work—brains and talent are just the starting point. This view creates a love of learning and a resilience that is essential for great accomplishment,” writes Dweck. I could not agree with her more.

You are in control of your life. You are also in control of your thoughts, words, actions, and all you do. Take it upon yourself to be aware and mindful of what your thoughts are.

  • Start each morning with positive thoughts for the day and your money
  • See the best in every situation.
  • Take each meal and drive time to express and feel gratitude.
  • Be proactive and intentional, aligning your mindset with specific actions.
  • Expect the best from your money.
  • Believe that your efforts will be rewarded.

You know what you need to do, so do it! Stop making excuses, take personal responsibility, and own your mission. Chart a course and stick to it knowing that there are no shortcuts. Guard your mind. Stay focused, positive, and committed to a money savvy mindset. You’ll see what a difference it makes once you do. Let the magic begin!

You can do it! I believe in YOU!

Money Savvy Woman, Inc. © 2015

, , , , , , ,

3 Simple Insights to Save Money & Stop Food Waste Now!

Sitting with girlfriends earlier this week, we all watched, Just Eat It, a documentary addressing the issue of food waste in our world. As a money issue, I can’t help but get my heart pumping over the statistics on the costs of wasting food.

  • 40% of the food produced on the planet is wasted.
  • 25% of what consumers, (that’s us), buy at the store is wasted. (Imagine leaving the grocery store with four bags of food, dropping one in the parking lot, but continuing on home without retrieving it …Yep!)
  • 1 in 6 people in the U.S.A. is dealing with hunger on some level, whether it be providing for themselves or their families.

This was the third time I’ve watched this 75-minute film, and the most powerful. Hearing the words echo in my head …

  • “Each wasted hamburger represents a 90-minute shower …” in water wasted.
  • Truckloads of fruit are tossed into the trash because the seller doesn’t have a market to sell them to.
  • 20-70% of produce grown in the U.S.A. never gets to market, (and is wasted), because of imperfections-blemishes, nicks, and bruises.

It all seems so absurd to me. Does it sound absurd to you too?

Wasting food is something we do voluntarily. It’s a choice. I don’t know about you, but I can’t be a part of it anymore. I’m choosing to be savvier with the food I take home. Would you like to be savvier, too?

If you said, “yes,” …YAY!! This is GREAT news! We can do this together.

From this point forward, I’ll be including money-saving tips on using the odd bits and pieces left in the fridge. Money-saving tips and recipes will be featured, for sure, as well as my thoughts and experiences about the journey.

The Money Savvy Woman community is here to support you in keeping more money in your pockets, food on your table, and mindfully using your money to get what we really want. Please include your comments, experiences, and money-saving, waste-saving tips as we go. We can all learn from each other.

But before I wrap this blog up, I want to give you some meat and potatoes. Here are 3 insights to clarify the definitions of the dates posted on our foods. Stretch your dollars instead of wasting them by putting this new info into play:

  • The “sell-by” date is actually a guide between sellers and producers. It’s intended to convey a point in the product’s life where the purchaser can be certain that the product will last for a reasonable amount of time once purchased. It is not a spoilage alert, nor is it intended for consumers.
  • The “best-by” or “use-by” date is a guide between the producer and the consumer that indicates the end of peak flavor, texture, and freshness. Again, should this date pass, this doesn’t mean that the food item must be tossed.
  • The “expiration” date, again, doesn’t necessarily mean the food is inedible. Here’s a 37-second video to help you gain some clarity on the different types of foods.

I AM truly dedicated to reduce and eliminate waste in my home, and helping you do the same in yours. Watch Just Eat It and gain your own awareness. Once you do, let me know if you’re “in.”

I’m ready to make a difference. Are you?

You can do it! I believe in you!

Money Savvy Woman, Inc. © 2015