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3 Steps to Take Now To Put Yourself First Without Guilt

I know! Yes! It can be done …and you’ll see how it makes sense once I explain myself.

First, when I say “selfish,” I’m talking about the resistance to take care of ourselves FIRST because we feel it’s a selfish move. However, nothing could be further from the truth.

When I look at all the biblical references about money, they all point to the responsible management of it leading to an accumulation of wealth. And at that point, we are charged as God-loving people, to do what is responsible and right.

Now that last phrase means different things in difference cultures, and I want to be TOTALLY respectful of that. But truthfully, the Lord does not expect us to suffer from lack. He intends for us to prosper. Read more

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Can You See the Forest for the Trees? Unlock Your Fortune!

091715_1441_CanYouSeeth1.jpg“I can’t see the forest for the trees!” she yelped at me, “but sometimes I just don’t care, because the forest isn’t that bad.”

“That bad?” Really?

Can you relate? Are you creating a financial forest that you can’t find your way through? Are you tolerating fear and confusion? If so, here are three simple steps to help you see your path more clearly.

  1. Figure out where you’re at right now. Track your spending so you know where you’re spending your money. Do it for a full month. (Dollarbird.co is a great resource for this.)
  2. Divide your expenditures into three categories: Needs, Wants, and Wishes, once you know what you’re spending your money on.. This makes it easy to prioritize in the future.
  3. Create a budget using a simple spreadsheet or using an app like YNAB or Mint.com. I like YNAB because of their philosophies on money management and how easy it is to get out of the month-to-month, paycheck-to-paycheck cycle when you commit yourself. Mint.com is wonderful in that you can see your full, financial picture if you enter all the data. Both go from desktop to mobile.

One of the things I love about YNAB, is that they get you thinking about how you WANT to make your financial goals happen, getting you to discipline yourself for all the right reasons. “Have to” is seldom fun. So change it to, “get to.” Try it out …repeat after me:

“I have to save for a rainy day.” How did that feel? I don’t want to put words in your mouth, but I can bet you don’t feel like running out and saving for anything, haha.

Now say, “I get to save for a rainy day.” How did that feel? A bit better, huh?

PonderWhen we have to do something, for me, the “have to” takes the joy out of it. But when I change one word, the “get to,” again for me, feels empowering, more hopeful, and more of a challenge I want to take on.

Use the “I get to save for…” phrase when taking aim at your goals. A positive, motivated mindset will help keep you on the path towards financial success while still enjoying the journey.

Seeing the forest and the trees is what I want for you. Imagine if you could see your clearly defined path amidst the beauty of the forest? Now you know where you’re going. The safety of the path enables you to enjoy the forest. The fear of making a misstep fades as you remain on the path. And the speed at which you travel is simply a decision you get to make; you can take your time or you can hustle.

Money is much the same way. Once you’ve taken the time to carve your path toward financial independence, fear, anxiety, and confusion fade away, and confidence, commitment, and success soon take their place.

HarMoney™ doesn’t have to be hard. I can help you make it simple.

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

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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

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Kick FEAR to the Curb NOW with 3 Bravery Tips











When I look back on #TBT, sometimes I see pictures of myself when I was very young or in college, and what I see leaves me with mixed feelings.

Have you ever see the look of fear in someone’s eyes? Now picture the look of joy. And now the look of contentment …happiness, if you will. They’re easily recognizable, right?

By the time I was a young adult, fear pretty much ruled my day. I knew it. I could feel it a lot of the time. Finally, at the age of 27, I decided I wasn’t going to let fear rule my life and steal my joy, success, and freedom.

Easier said than done, right? As much as we want to step out of fear, it still keeps its grip on us.

Here are 3 simple tips to help put fear behind you and keep you moving forward.

  1. The first moment you realize you’re afraid, STOP. Take a moment to take breath two deeps breaths and clear your head. Separate yourself from the situation.
  2. Then, ask yourself what is really going on? Looking at the situation as an observer, is there something to truly fear NOW or is this an automated response for you?

    Once you get your answers,

  3. See yourself doing what it is you need to do in a supportive setting. SEE it in your mind. Run the successful scenario like a film through your head a few times until you own it.

Now you’re ready to go back with courage and strength as you’ve already seen yourself successfully moving through the now, non-existent barrier.

I know this works because I’ve been using this method to control my fear for decades. When I look at #TBT, it gives me cause for celebration ~ that young woman has been healed!

Are you being held back by fear? What do you see in your pictures?

You can do it! I believe in YOU!

Money Savvy Woman, Inc. © 2015

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You’ve Been Disinvited…



Hello, my friend! It’s been a while since I’ve connected with you, so I thought today would be just as good as any to tell you that you’ve been disinvited to my party.

I don’t know about you, but the month of March was a real challenge for me! Let’s see, March headliners were, two bouts of flu, a slip and fall, staffing changes at Money Savvy Woman, three big events, planning, more planning, new projects, and a couple new leadership roles. It was the, “All about ME” Show playing here in beautiful Southern California!

But seriously, when things felt the most daunting, I often found myself feeling sorry for myself. This feeling wasn’t a good one. What would start innocently enough as “belly aching” in the morning, by the end of the day had turned into a full-blown pity party.

In the mornings, I limited myself because I was sick or injured. By the evening, the pity morphed into several things: defeat, anger, impatience, whining, and even more pity! I couldn’t get away from it. Pity was enveloping me and twisting me into someone I didn’t want to become.

Taking a stand against my rotten mood is what needed to happen, and no one else could do that but me. If I was really going to kick ol’ sourpuss to the curb, I knew I had to be honest with myself in my assessments of my thoughts and actions.

What I found was I got what I gave my energy to. I knew if I allowed myself to wallow in negativity, I’d only get more and more of it. So I decided to reassess my time, thoughts, and actions, and make some changes.

Here’s what I did while the tempests blew all around me:

  • Stuck to the morning rituals that get me started on the right foot: time with God, centering prayer, meditation, walking, cappuccino, & cereal. What ritual can you do that gives you comfort, peace, and joy?
  • Gave thanks for everything that: provided relief, made me happy, went well, surpassed my expectations, or enabled me to care for myself while I healed, including hubbies, associates, and friends. Gratitude is the key to finding abundance in less.
  • I didn’t take things so seriously and lightened up enough to even laugh at the ridiculousness of a lot of it. Laughter is a known antidote to pain, stress, weariness, sadness, and conflict.
    What can you laugh away?
  • Each day I spent at least 15 minutes being still. God commands us to, “Be still and know that [He] is God.” On days when I do this, my life seems to flow better.
  • Spent true, quality time with my hubby and friends. It was time to relax a bit in the midst of all the storms, and be present in my life and the lives of those who love and support me.

By the time I let myself go and have a two-hour conversation with my sister, complete with my chocolate chai tea to sip on, my rotten mood was on the mend.

The sound of her voice comforted me. To hear her laugh at life’s craziness, made me laugh too. We shared what was working well and what was frustrating us, and our hopes and excitement for the future. She was interested in helping me sort things out in my head when I became overwhelmed with it all. I knew she cared about me and my world, and I could trust her with it. I felt loved.

And just like that, everything was right with my world again.

Oh, don’t get me wrong …everything was still flying around like the Indy 500. But it seemed like it was simply part of a process. I’d detached from the useless emotions that carried me off my course, and focused on what needed to get done despite whatever was happening.

When I put my focus on what truly mattered, the periphery became out of focus and soft. Distractions weren’t as prevalent, and the things I’d been dwelling on earlier disappeared or became manageable. Better outcomes were the results even though nothing had changed but my mindset. I chose to change how I approached the chaos.

So now you know why you’re disinvited. You didn’t want to come to a pity party anyway. There are so many other wonderful places to take your mindset to.

Choose a calm approach to chaos. You can do this. Simply decide to make the changes you need to give yourself a better attitude and commit to that decision. That’s what I did. And if I can do it, believe me, you can too!

God bless you with peace, joy, and love while you continue on your journey.

You can do it! I believe in YOU!

Money Savvy Woman, Inc. © 2015