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5+ Ways to Get Money Savvy Now

Money Savviness in the Palm of Your Hand

Money Savviness in the Palm of Your Hand

When I look ahead at my list of projects and tasks, sometimes it feels a bit overwhelming. But today is different. As I look over my shoulder, I can see a 4-year project completed, available, and ready for YOU!

Ask Renee1.jpgThe Money Savvy app is here! Publishing my book was an awesome feat, and I knew I could help a lot of people by sharing my money story and those of others. But this app has been designed and created just for you! My intent was to give you as much support as possible all in the palm of your hand. Going here and there to find sound, financial information can be overwhelming and exhausting. Now it’s all in ONE place!

Here are some of the features and benefits you’ll enjoy when you go to your app store (ios & Android supported) and download this awesome, FREE app.

For starters, you’ll join an exclusive money savvy community. It’s been proven that having support while forming new habits and creating new beliefs around a goal enable success more quickly and permanently. You’ll be able to access me privately and confidentially through the “Ask Renée” feature. No more worrying about everyone seeing your business on Facebook.

Another benefit of the app is that more indepth financial info will be taught and shared exclusively with this community . Starting a conversation about relevant, financial data and topics can be more in the moment when simply reaching for your mobile. So if you’re looking for know-how, you’ll find more of it here.

Other benefits include:

AppBenefitsReceiving the most recent blogs and vlogs directly without having to use Facebook or other portal sames time. Don’t get me wrong. The Money Savvy Woman facebook page will remain as robust as ever, but you’ll be able to connect with us directly through the app. Getting updates about market trends will be in the palm of your hand and easily accessible without distraction.

A financial calculator is included for FREE. You’ll learn how to use it so you can determine the full cost of a purchase or loan over time or expected and/or required returns of your investmnts. They’ll be fun lessons to help ease the learning process and help you make the most of your money.

A jotter is included so you can note that idea or thought that comes to mind without forgetting it.

You’ll know what events are being hosted by Money Savvy Woman and be able to register and check-in easily.

Do you like Instagram? You’ll be able to see where I am and what I’ve been up to with the latest pics posted in the gallery.

Exclusive trainings and deals will be extended to the Money Savvy app community. You won’t want to miss those!…

…and more. Go check it out now!

I’m so very proud that we can offer you such a great tool that’s accessible through your Apple or Android devices. I know I spend most of my time on my mobile as I’m out in the world and not behind a laptop. I think I designed this thing for me just as much as for you. So go now, download it (it’s free), and let’s start the conversation about your money.

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

Money Savvy Woman, Inc. © 2016

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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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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!