Take a moment and think about how often money is the topic of conversation. We think about it, talk about it, fear it, desire it, earn it, spend it, loan it, give it away, steal it, borrow it, and save it. Money makes up a hug part of our lives. So why aren’t we taught practical skills to help us manifest and manage it? Why are so many of us plagued by the thought that we don’t have enough? Get ready to take on a new perspective, learn how to break free of the money pit trap, and enjoy true wealth!!
￼￼Plant a Money Tree...in your mind!
“Plant a seed and it will grow”. “We reap what we sow”. We’ve all heard these phrases and understand the concept behind them. Whatever we hold in our minds is what realizes. If we chronically think to ourselves, “I don’t have enough money. I don’t have enough time. I’m not good enough”, we’re right. The ideas we hold near to us color the energy we send out into the universe and the universe is like a boomerang; whatever we send out, comes right on back to us.
I used to think like this. All. The. Time. I would look at my bank account and see it from a view of scarcity. There wasn’t enough. How would I pay my bills? What if a money-sucking emergency came up? What the hell would I do then? There weren’t enough hours in the day to work another job. My job didn’t pay enough. I wasn’t doing a good enough job managing my money, so after all the bills were paid, there was none left. (Take notice of how many times “enough” came up in this ramble of self talk)
You know what this type of thinking got me? NOTHING. It gave me an ulcer. It gave me sleepless nights. It gave me anger that I couldn’t do the things I really wanted to do with my life. I needed a money makeover but didn’t know where to start. As a psychotherapist, I tend to always start with the mind, because it makes the most sense (no pun intended). I didn’t have control over getting a better paying job, or how many bills I had to pay, or what my hourly wage was, but I did have control over the way I thought about money. I could change my mind and my attitude and save myself needless suffering. That’s exactly what I did.
I started by eliminating the word “enough” from my vocabulary. I’d had ENOUGH of enough. I replaced my thoughts of lack with thoughts of great wealth and good fortune. My self talk took on a whole new dimension. I focused my attention on what I DID have, instead of what I didn’t. I thought about all the things that money already provided for me rather than thinking about all the things I wouldn’t that I couldn’t afford. I held in my mind that my employment situation would change, my pay would increase, and my bills would be paid off. And then I did the most powerful thing...I BELIEVED it with every inch of my soul.
I planted a proverbial money tree in my mind and sat back to watch it grow. Everyday, I set the intention that money is flowing into my life and there is no end. Since adopting this practice, I can see with great clarity just how wealthy I am; not just in dollar signs, but in regards to my health, ideas, relationships, aspirations, and dreams. You are equally as wealthy. You just don’t know it yet, because you’re still thinking there isn’t enough. Change the way you look at things, and the things you look at will change!
Put Your Money to Work by Giving It a Job!
Once I shifted my attitude and beliefs about money, my financial situation changed significantly. I realized then I needed a plan for how to manage my money effectively so I didn’t wind up in stressful financial situations again. I was never taught how to make the money work for me, rather than me working for the money. I researched...and researched... and researched. One of the best sources of financial advice I came across was from Dave Ramsey (www.daveramsey.com). This guy makes a lot of sense and provides practical tools for managing money that are user friendly and easy to understand. He offers some great recommendations on how to put money to work, freeing you from hassle and worry.
There are a few critical steps to follow if you want to keep your wealth once you have it. First, you need a budget. You might be thinking, “how the hell do I make a budget?”. That thought crossed my mind too. For those you who like shortcuts (and who doesn’t?), there’s an awesome App you can download called “You Need A Budget” (YNAB). It is an online software program that makes budgeting simple. It allows you to easily assign a job to every dollar you earn. For example, if you bring home $1,000 a month, you need to divide that money among all your monthly expenses and anything else you want to spend it on. Let’s say you budget $500/month for rent, $200/month for groceries, and $150/month for utilities, you have $150/month left in the bank. Most of us would stop there and squander that $150 on crap like Starbucks coffee and random impulse-buys. To be truly wealthy, you must assign that $150 a job. It could be divided in different ways and go towards car repairs, clothing, eating out, leisure activities, or anything else....but it NEEDS A JOB. Don’t let your money freeload anymore.
Secondly, you need an emergency fund. Dave Ramsey recommends $1,000 in an emergency fund you don’t touch for anything but a REAL emergency, and I tend to agree. “Emergency” doesn’t not mean really, really, really wanting that new big screen TV. An emergency is when you have raw sewage coming through your pipes and you have to pay the plumber to fix it. Knowing the difference between a want and a need is a pivotal skill here. The purpose behind the emergency fund is to protect your budget from disaster that could completely throw your financial plan off track.
Finally, you need to focus on paying off your debt. Our society likes us to believe that everyone is in debt and that’s the way it will always be. Brainwashing us to think that allows us to fall victim to all the marketing gimmicks out there. Being in debt is bullshit, and it doesn’t have to be that way. My advice is to take any money left over from your budget and put it towards paying off your debt as fast as possible. If you want to get ahead, you can’t keep falling behind by getting further into debt or staying in debt indefinitely.
Now that you have the right mindset and useful tools, you are perfectly positioned to experience great wealth in you life...and keep it! With these few small shifts, you will be savoring the success of feeling in control of your financial well-being while having a keen awareness of how your money is working for you. You will no longer be the one crying the blues that there just isn’t enough. You will be the one sharing your success story with others and inspiring them to take on new beliefs about their own wealth!
If you have a wealth success story you’d like to share, I’d love to hear from you! Email me anytime at email@example.com. If you’re interested in receiving additional support and guidance in manifesting your financial wellness, contact me to schedule a FREE ONE HOUR CONSULTATION.